TALANX AG (TLX.DE) Stock Fundamental Analysis

FRA:TLX • DE000TLX1005

107.4 EUR
0 (0%)
Last: Feb 25, 2026, 10:48 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Overall TLX gets a fundamental rating of 5 out of 10. We evaluated TLX against 46 industry peers in the Insurance industry. TLX has a medium profitability rating, but doesn't score so well on its financial health evaluation. TLX may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

6

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.
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 in line with its industry peers.
  • With a decent Return On Equity value of 19.07%, TLX is doing good in the industry, outperforming 73.91% of the companies in the same industry.
  • TLX has a better Return On Invested Capital (2.55%) than 71.74% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for TLX is in line with the industry average of 2.84%.
  • The 3 year average ROIC (1.87%) for TLX is below the current ROIC(2.55%), indicating increased profibility in the last year.
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

  • TLX's Profit Margin of 4.59% is on the low side compared to the rest of the industry. TLX is outperformed by 78.26% of its industry peers.
  • TLX's Profit Margin has improved in the last couple of years.
  • TLX has a Operating Margin (11.43%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of TLX has grown nicely.
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.
  • 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.
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.
  • TLX has a better Debt to FCF ratio (0.99) than 86.96% 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: 63.04% 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

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

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 22.13% over the past year.
  • The Earnings Per Share has been growing by 15.96% on average over the past years. This is quite good.
  • Looking at the last year, TLX shows a quite strong growth in Revenue. The Revenue has grown by 11.48% in the last year.
  • The Revenue has been growing slightly by 3.92% on average over the past years.
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 10.63% on average per year.
  • Based on estimates for the next years, TLX will show a small growth in Revenue. The Revenue will grow by 5.56% on average per year.
EPS Next Y22.64%
EPS Next 2Y17.09%
EPS Next 3Y12.96%
EPS Next 5Y10.63%
Revenue Next Year3.93%
Revenue Next 2Y4.6%
Revenue Next 3Y4.97%
Revenue Next 5Y5.56%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better 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

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.27 indicates a correct valuation of TLX.
  • Based on the Price/Earnings ratio, TLX is valued a bit cheaper than 63.04% of the companies in the same industry.
  • TLX is valuated cheaply when we compare the Price/Earnings ratio to 26.98, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 10.18 indicates a reasonable valuation of TLX.
  • Based on the Price/Forward Earnings ratio, TLX is valued a bit cheaper than the industry average as 65.22% of the companies are valued more expensively.
  • TLX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.01.
Industry RankSector Rank
PE 12.27
Fwd PE 10.18
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

  • 93.48% of the companies in the same industry are more expensive than TLX, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.49
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 2.60%.
  • TLX's Dividend Yield is slightly below the industry average, which is at 4.18.
  • TLX's Dividend Yield is a higher than the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.6%

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
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 (2/25/2026, 10:48:05 AM)

107.4

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-10
Earnings (Next)05-13
Inst Owners14.14%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap27.73B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts72.73
Price Target127.16 (18.4%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.6%
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)3.42%
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 12.27
Fwd PE 10.18
P/S 0.56
P/FCF 3.49
P/OCF 3.49
P/B 2.34
P/tB 2.89
EV/EBITDA N/A
EPS(TTM)8.75
EY8.15%
EPS(NY)10.55
Fwd EY9.83%
FCF(TTM)30.74
FCFY28.62%
OCF(TTM)30.74
OCFY28.62%
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 5Y10.63%
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 5Y5.56%
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%.