TALANX AG (TLX.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:TLX - DE000TLX1005 - Common Stock
113.8 EUR
+0.7 (+0.62%)
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 an average financial health and profitability rating. TLX may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year TLX was profitable.
TLX had a positive operating cash flow in the past year.
In the past 5 years TLX has always been profitable.
Each year in the past 5 years TLX had a positive operating cash flow.
1.2 Ratios
TLX has a Return On Assets (1.27%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 19.07%, TLX belongs to the top of the industry, outperforming 80.85% of the companies in the same industry.
TLX has a better Return On Invested Capital (2.55%) 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
Looking at the Profit Margin, with a value of 4.59%, TLX is doing worse than 76.60% of the companies in the same industry.
TLX's Profit Margin has improved in the last couple of years.
TLX has a Operating Margin (11.43%) which is in line with its industry peers.
In the last couple of years the Operating Margin of TLX has grown nicely.
| 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.
The number of shares outstanding for TLX has been increased compared to 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.
The Debt to FCF ratio of TLX (0.99) is better than 87.23% of its industry peers.
A Debt/Equity ratio of 0.66 indicates that TLX is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.66, TLX is in line with its industry, outperforming 40.43% of the companies in the same industry.
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 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.
The Earnings Per Share has been growing by 15.96% on average over the past years. This is quite good.
The Revenue has grown by 11.48% in the past year. This is quite good.
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
Based on estimates for the next years, TLX will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.23% on average per year.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.01 indicates a correct valuation of TLX.
Based on the Price/Earnings ratio, TLX is valued a bit cheaper than 68.09% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.77, TLX is valued rather cheaply.
The Price/Forward Earnings ratio is 10.78, which indicates a very decent valuation of TLX.
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 23.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.01 | ||
| Fwd PE | 10.78 |
4.2 Price Multiples
91.49% of the companies in the same industry are more expensive than TLX, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.7 | ||
| EV/EBITDA | N/A |
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.
TLX has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as TLX's earnings are expected to grow with 12.97% in the coming years.
PEG (NY)0.57
PEG (5Y)0.81
EPS Next 2Y17.11%
EPS Next 3Y12.97%
5. Dividend
5.1 Amount
TLX has a Yearly Dividend Yield of 2.37%. Purely for dividend investing, there may be better candidates out there.
TLX's Dividend Yield is slightly below the industry average, which is at 3.90.
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
57.04% of the earnings are spent on dividend by TLX. 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 (12/30/2025, 2:06:15 PM)
113.8
+0.7 (+0.62%)
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 Cap29.39B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts73.33
Price Target127.16 (11.74%)
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 | 13.01 | ||
| Fwd PE | 10.78 | ||
| P/S | 0.6 | ||
| P/FCF | 3.7 | ||
| P/OCF | 3.7 | ||
| P/B | 2.48 | ||
| P/tB | 3.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.75
EY7.69%
EPS(NY)10.56
Fwd EY9.28%
FCF(TTM)30.74
FCFY27.01%
OCF(TTM)30.74
OCFY27.01%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.57
PEG (5Y)0.81
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 of TALANX AG (TLX.DE) 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.
What is the financial health of TALANX AG (TLX.DE) stock?
The financial health rating of TALANX AG (TLX.DE) is 4 / 10.
What is the expected EPS growth for TALANX AG (TLX.DE) stock?
The Earnings per Share (EPS) of TALANX AG (TLX.DE) is expected to grow by 22.64% in the next year.