TALANX AG (TLX.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:TLX • DE000TLX1005

107.7 EUR
-2.2 (-2%)
Last: Feb 10, 2026, 04:17 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

TLX gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 43 industry peers in the Insurance industry. There are concerns on the financial health of TLX while its profitability can be described as average. A decent growth rate in combination with a cheap valuation! Better keep an eye on TLX.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • TLX had positive earnings in the past year.
  • TLX had a positive operating cash flow in the past year.
  • TLX had positive earnings in each of the past 5 years.
  • TLX had a positive operating cash flow in each of the past 5 years.
TLX.DE Yearly Net Income VS EBIT VS OCF VS FCFTLX.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

1.2 Ratios

  • TLX has a Return On Assets (1.27%) which is comparable to the rest of the industry.
  • TLX has a Return On Equity of 19.07%. This is in the better half of the industry: TLX outperforms 72.09% of its industry peers.
  • The Return On Invested Capital of TLX (2.55%) is better than 69.77% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for TLX is in line with the industry average of 2.92%.
  • The last Return On Invested Capital (2.55%) for TLX is above the 3 year average (1.87%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.27%
ROE 19.07%
ROIC 2.55%
ROA(3y)0.83%
ROA(5y)0.67%
ROE(3y)13.42%
ROE(5y)11.18%
ROIC(3y)1.87%
ROIC(5y)1.45%
TLX.DE Yearly ROA, ROE, ROICTLX.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • With a Profit Margin value of 4.59%, TLX is not doing good in the industry: 79.07% of the companies in the same industry are doing better.
  • TLX's Profit Margin has improved in the last couple of years.
  • TLX has a Operating Margin of 11.43%. This is comparable to the rest of the industry: TLX outperforms 44.19% of its industry peers.
  • TLX's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 11.43%
PM (TTM) 4.59%
GM N/A
OM growth 3Y29.76%
OM growth 5Y12.25%
PM growth 3Y22.43%
PM growth 5Y12.06%
GM growth 3YN/A
GM growth 5YN/A
TLX.DE Yearly Profit, Operating, Gross MarginsTLX.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, TLX has about the same amount of shares outstanding.
  • Compared to 5 years ago, TLX has more shares outstanding
  • Compared to 1 year ago, TLX has an improved debt to assets ratio.
TLX.DE Yearly Shares OutstandingTLX.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
TLX.DE Yearly Total Debt VS Total AssetsTLX.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

2.2 Solvency

  • The Debt to FCF ratio of TLX is 0.99, which is an excellent value as it means it would take TLX, only 0.99 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of TLX (0.99) is better than 86.05% of its industry peers.
  • TLX has a Debt/Equity ratio of 0.66. This is a neutral value indicating TLX is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.66, TLX is not doing good in the industry: 62.79% of the companies in the same industry are doing better.
  • Although TLX does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 0.99
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
TLX.DE Yearly LT Debt VS Equity VS FCFTLX.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TLX.DE Yearly Current Assets VS Current LiabilitesTLX.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 22.13% over the past year.
  • TLX shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.96% yearly.
  • The Revenue has grown by 11.48% in the past year. This is quite good.
  • TLX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.92% yearly.
EPS 1Y (TTM)22.13%
EPS 3Y24.17%
EPS 5Y15.96%
EPS Q2Q%25.96%
Revenue 1Y (TTM)11.48%
Revenue growth 3Y2.14%
Revenue growth 5Y3.92%
Sales Q2Q%17.21%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.86% on average over the next years. This is quite good.
  • Based on estimates for the next years, TLX will show a small growth in Revenue. The Revenue will grow by 4.47% on average per year.
EPS Next Y22.64%
EPS Next 2Y17.09%
EPS Next 3Y12.96%
EPS Next 5Y10.86%
Revenue Next Year3.93%
Revenue Next 2Y4.6%
Revenue Next 3Y4.97%
Revenue Next 5Y4.47%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
TLX.DE Yearly Revenue VS EstimatesTLX.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20B 40B 60B 80B
TLX.DE Yearly EPS VS EstimatesTLX.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5 10 15

More info and screens

Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.31, TLX is valued correctly.
  • TLX's Price/Earnings ratio is a bit cheaper when compared to the industry. TLX is cheaper than 60.47% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of TLX to the average of the S&P500 Index (28.06), we can say TLX is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.21, the valuation of TLX can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of TLX indicates a somewhat cheap valuation: TLX is cheaper than 62.79% of the companies listed in the same industry.
  • TLX is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.86, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.31
Fwd PE 10.21
TLX.DE Price Earnings VS Forward Price EarningsTLX.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • TLX's Price/Free Cash Flow ratio is rather cheap when compared to the industry. TLX is cheaper than 93.02% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.5
EV/EBITDA N/A
TLX.DE Per share dataTLX.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of TLX may justify a higher PE ratio.
  • TLX's earnings are expected to grow with 12.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.54
PEG (5Y)0.77
EPS Next 2Y17.09%
EPS Next 3Y12.96%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • TLX has a Yearly Dividend Yield of 2.48%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.23, TLX is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.80, TLX pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.48%

5.2 History

  • On average, the dividend of TLX grows each year by 7.68%, which is quite nice.
Dividend Growth(5Y)7.68%
Div Incr Years1
Div Non Decr Years6
TLX.DE Yearly Dividends per shareTLX.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

  • TLX pays out 57.04% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • TLX's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP57.04%
EPS Next 2Y17.09%
EPS Next 3Y12.96%
TLX.DE Yearly Income VS Free CF VS DividendTLX.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B
TLX.DE Dividend Payout.TLX.DE Dividend Payout, showing the Payout Ratio.TLX.DE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

TALANX AG

FRA:TLX (2/10/2026, 4:17:08 PM)

107.7

-2.2 (-2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-13
Earnings (Next)02-10
Inst Owners14.14%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap27.81B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts72
Price Target127.16 (18.07%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.48%
Yearly Dividend4.4
Dividend Growth(5Y)7.68%
DP57.04%
Div Incr Years1
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)7.78%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)3.78%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.16%
Valuation
Industry RankSector Rank
PE 12.31
Fwd PE 10.21
P/S 0.57
P/FCF 3.5
P/OCF 3.5
P/B 2.35
P/tB 2.9
EV/EBITDA N/A
EPS(TTM)8.75
EY8.12%
EPS(NY)10.55
Fwd EY9.8%
FCF(TTM)30.74
FCFY28.54%
OCF(TTM)30.74
OCFY28.54%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.54
PEG (5Y)0.77
Graham Number95.05
Profitability
Industry RankSector Rank
ROA 1.27%
ROE 19.07%
ROCE 3.27%
ROIC 2.55%
ROICexc 2.63%
ROICexgc 3.16%
OM 11.43%
PM (TTM) 4.59%
GM N/A
FCFM 16.13%
ROA(3y)0.83%
ROA(5y)0.67%
ROE(3y)13.42%
ROE(5y)11.18%
ROIC(3y)1.87%
ROIC(5y)1.45%
ROICexc(3y)1.92%
ROICexc(5y)1.49%
ROICexgc(3y)2.27%
ROICexgc(5y)1.77%
ROCE(3y)2.39%
ROCE(5y)1.86%
ROICexgc growth 3Y34.77%
ROICexgc growth 5Y15.13%
ROICexc growth 3Y36.84%
ROICexc growth 5Y16.39%
OM growth 3Y29.76%
OM growth 5Y12.25%
PM growth 3Y22.43%
PM growth 5Y12.06%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.28
Health
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 0.99
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 25.22
Cash Conversion N/A
Profit Quality 351.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)580.8%
Profit Quality(5y)727.22%
High Growth Momentum
Growth
EPS 1Y (TTM)22.13%
EPS 3Y24.17%
EPS 5Y15.96%
EPS Q2Q%25.96%
EPS Next Y22.64%
EPS Next 2Y17.09%
EPS Next 3Y12.96%
EPS Next 5Y10.86%
Revenue 1Y (TTM)11.48%
Revenue growth 3Y2.14%
Revenue growth 5Y3.92%
Sales Q2Q%17.21%
Revenue Next Year3.93%
Revenue Next 2Y4.6%
Revenue Next 3Y4.97%
Revenue Next 5Y4.47%
EBIT growth 1Y37.51%
EBIT growth 3Y32.53%
EBIT growth 5Y16.65%
EBIT Next Year19.86%
EBIT Next 3Y10.15%
EBIT Next 5YN/A
FCF growth 1Y22.35%
FCF growth 3Y-5.16%
FCF growth 5Y4.37%
OCF growth 1Y18.76%
OCF growth 3Y-5.69%
OCF growth 5Y3.87%

TALANX AG / TLX.DE FAQ

What is the ChartMill fundamental rating of TALANX AG (TLX.DE) stock?

ChartMill assigns a fundamental rating of 5 / 10 to TLX.DE.


What is the valuation status for TLX stock?

ChartMill assigns a valuation rating of 7 / 10 to TALANX AG (TLX.DE). This can be considered as Undervalued.


Can you provide the profitability details for TALANX AG?

TALANX AG (TLX.DE) has a profitability rating of 6 / 10.


Can you provide the expected EPS growth for TLX stock?

The Earnings per Share (EPS) of TALANX AG (TLX.DE) is expected to grow by 22.64% in the next year.


Is the dividend of TALANX AG sustainable?

The dividend rating of TALANX AG (TLX.DE) is 5 / 10 and the dividend payout ratio is 57.04%.