TALANX AG (TLX.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:TLX - DE000TLX1005 - Common Stock
112.3 EUR
-1.5 (-1.32%)
TLX gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 47 industry peers in the Insurance industry. TLX has only an average score on both its financial health and profitability. TLX is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year TLX was profitable.
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.
1.2 Ratios
TLX has a Return On Assets (1.27%) which is in line with its industry peers.
TLX has a better Return On Equity (19.07%) than 80.85% of its industry peers.
The Return On Invested Capital of TLX (2.55%) is better than 76.60% of its industry peers.
TLX had an Average Return On Invested Capital over the past 3 years of 1.87%. This is in line with the industry average of 2.63%.
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 Rank | Sector 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%
1.3 Margins
TLX has a Profit Margin of 4.59%. This is in the lower half of the industry: TLX underperforms 76.60% of its industry peers.
In the last couple of years the Profit Margin of TLX has grown nicely.
TLX's Operating Margin of 11.43% is in line compared to the rest of the industry. TLX outperforms 46.81% of its industry peers.
TLX's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
Compared to 1 year ago, TLX has about the same amount of shares outstanding.
TLX has more shares outstanding than it did 5 years ago.
TLX has a better debt/assets ratio than last year.
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.
TLX has a Debt to FCF ratio of 0.99. This is amongst the best in the industry. TLX outperforms 87.23% of its industry peers.
A Debt/Equity ratio of 0.66 indicates that TLX is somewhat dependend on debt financing.
TLX's Debt to Equity ratio of 0.66 is in line compared to the rest of the industry. TLX outperforms 40.43% of its industry peers.
Even though the debt/equity ratio score it not favorable for TLX, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 0.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TLX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.13%, which is quite impressive.
Measured over the past years, TLX shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.96% on average per year.
Looking at the last year, TLX shows a quite strong growth in Revenue. The Revenue has grown by 11.48% in the last year.
Measured over the past years, TLX shows a small growth in Revenue. The Revenue has been growing by 3.92% on average per year.
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 12.23% on average over the next years. This is quite good.
The Revenue is expected to grow by 6.13% on average over the next years.
EPS Next Y22.64%
EPS Next 2Y17.11%
EPS Next 3Y12.97%
EPS Next 5Y12.23%
Revenue Next Year3.93%
Revenue Next 2Y4.6%
Revenue Next 3Y4.97%
Revenue Next 5Y6.13%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.83, which indicates a correct valuation of TLX.
Based on the Price/Earnings ratio, TLX is valued a bit cheaper than 65.96% of the companies in the same industry.
TLX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.60.
TLX is valuated reasonably with a Price/Forward Earnings ratio of 10.64.
TLX's Price/Forward Earnings is on the same level as the industry average.
TLX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.83 | ||
| Fwd PE | 10.64 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TLX is valued cheaper than 89.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.65 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TLX's 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 12.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.57
PEG (5Y)0.8
EPS Next 2Y17.11%
EPS Next 3Y12.97%
5. Dividend
5.1 Amount
TLX has a Yearly Dividend Yield of 2.37%.
Compared to an average industry Dividend Yield of 3.90, TLX is paying slightly less dividend.
TLX's Dividend Yield is comparable with the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
5.2 History
The dividend of TLX is nicely growing with an annual growth rate of 7.68%!
Dividend Growth(5Y)7.68%
Div Incr Years1
Div Non Decr Years6
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 2Y17.11%
EPS Next 3Y12.97%
FRA:TLX (1/2/2026, 7:00:00 PM)
112.3
-1.5 (-1.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners10.89%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap29.00B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts73.33
Price Target127.16 (13.23%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
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)6.55%
PT rev (3m)8.56%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.42%
EPS NY rev (3m)3.78%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-3.16%
Revenue NY rev (3m)-3.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.83 | ||
| Fwd PE | 10.64 | ||
| P/S | 0.59 | ||
| P/FCF | 3.65 | ||
| P/OCF | 3.65 | ||
| P/B | 2.45 | ||
| P/tB | 3.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.75
EY7.79%
EPS(NY)10.56
Fwd EY9.4%
FCF(TTM)30.74
FCFY27.37%
OCF(TTM)30.74
OCFY27.37%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.57
PEG (5Y)0.8
Graham Number95.05
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 2Y17.11%
EPS Next 3Y12.97%
EPS Next 5Y12.23%
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 5Y6.13%
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 4 / 10 and the dividend payout ratio is 57.04%.