TALANX AG (TLX.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:TLX - DE000TLX1005 - Common Stock
109.2 EUR
+0.8 (+0.74%)
We assign a fundamental rating of 5 out of 10 to TLX. TLX was compared to 47 industry peers in the Insurance industry. TLX has only an average score on both its financial health and profitability. TLX has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
TLX had positive earnings in the past year.
In the past year TLX had a positive cash flow from operations.
In the past 5 years TLX has always been profitable.
In the past 5 years TLX always reported a positive cash flow from operatings.
1.2 Ratios
TLX has a Return On Assets of 1.27%. This is in the better half of the industry: TLX outperforms 68.09% of its industry peers.
Looking at the Return On Equity, with a value of 19.07%, TLX belongs to the top of the industry, outperforming 87.23% of the companies in the same industry.
With an excellent Return On Invested Capital value of 2.55%, TLX belongs to the best of the industry, outperforming 80.85% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for TLX is in line with the industry average of 2.11%.
The 3 year average ROIC (1.87%) for TLX is below the current ROIC(2.55%), indicating increased profibility in the last year.
| 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
The Profit Margin of TLX (4.59%) is worse than 72.34% 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 in line with 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
The number of shares outstanding for TLX remains at a similar level compared to 1 year ago.
Compared to 5 years ago, TLX has more shares outstanding
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 93.62% of its industry peers.
A Debt/Equity ratio of 0.66 indicates that TLX is somewhat dependend on debt financing.
The Debt to Equity ratio of TLX (0.66) is comparable to the rest of the 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
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.
The Revenue has grown by 11.48% in the past year. This is quite good.
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 12.23% on average per year.
The Revenue is expected to grow by 6.13% on average over the next years.
EPS Next Y18.59%
EPS Next 2Y12.77%
EPS Next 3Y10.91%
EPS Next 5Y12.23%
Revenue Next Year7.32%
Revenue Next 2Y6.85%
Revenue Next 3Y6.68%
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 12.48 indicates a correct valuation of TLX.
Compared to the rest of the industry, the Price/Earnings ratio of TLX indicates a somewhat cheap valuation: TLX is cheaper than 68.09% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of TLX to the average of the S&P500 Index (25.65), we can say TLX is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.15, the valuation of TLX can be described as reasonable.
TLX's Price/Forward Earnings ratio is in line with the industry average.
TLX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.48 | ||
| Fwd PE | 11.15 |
4.2 Price Multiples
93.62% 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 | 3.55 | ||
| 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.
The decent profitability rating of TLX may justify a higher PE ratio.
PEG (NY)0.67
PEG (5Y)0.78
EPS Next 2Y12.77%
EPS Next 3Y10.91%
5. Dividend
5.1 Amount
TLX has a Yearly Dividend Yield of 2.48%.
Compared to an average industry Dividend Yield of 4.53, TLX's dividend is way lower than its industry peers. On top of this 80.85% of the companies listed in the same industry pay a better dividend than TLX!
Compared to an average S&P500 Dividend Yield of 2.41, TLX has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector 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
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 2Y12.77%
EPS Next 3Y10.91%
FRA:TLX (11/24/2025, 7:00:00 PM)
109.2
+0.8 (+0.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners10.58%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap28.20B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts71.11
Price Target119.34 (9.29%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)1.15%
PT rev (3m)3.39%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.35%
EPS NY rev (3m)2.89%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.48 | ||
| Fwd PE | 11.15 | ||
| P/S | 0.57 | ||
| P/FCF | 3.55 | ||
| P/OCF | 3.55 | ||
| P/B | 2.38 | ||
| P/tB | 2.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.75
EY8.01%
EPS(NY)9.79
Fwd EY8.97%
FCF(TTM)30.74
FCFY28.15%
OCF(TTM)30.74
OCFY28.15%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.67
PEG (5Y)0.78
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 Y18.59%
EPS Next 2Y12.77%
EPS Next 3Y10.91%
EPS Next 5Y12.23%
Revenue 1Y (TTM)11.48%
Revenue growth 3Y2.14%
Revenue growth 5Y3.92%
Sales Q2Q%17.21%
Revenue Next Year7.32%
Revenue Next 2Y6.85%
Revenue Next 3Y6.68%
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 6 / 10 to TALANX AG (TLX.DE). This can be considered as Fairly Valued.
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 18.59% in the next year.