TALANX AG (TLX.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:TLX - DE000TLX1005 - Common Stock
107.9 EUR
-1.7 (-1.55%)
We assign a fundamental rating of 5 out of 10 to TLX. TLX was compared to 48 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
In the past year TLX was profitable.
In the past year TLX had a positive cash flow from operations.
TLX had positive earnings in each of the past 5 years.
In the past 5 years TLX always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.27%, TLX is in line with its industry, outperforming 58.33% of the companies in the same industry.
The Return On Equity of TLX (19.07%) is better than 83.33% of its industry peers.
The Return On Invested Capital of TLX (2.55%) is better than 75.00% 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 2.58%.
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
Looking at the Profit Margin, with a value of 4.59%, TLX is doing worse than 81.25% of the companies in the same industry.
In the last couple of years the Profit Margin of TLX has grown nicely.
With a Operating Margin value of 11.43%, TLX perfoms like the industry average, outperforming 41.67% of the companies in the same industry.
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.
The number of shares outstanding for TLX has been increased compared to 5 years ago.
Compared to 1 year ago, TLX has an improved debt to assets ratio.
2.2 Solvency
TLX has a debt to FCF ratio of 0.99. This is a very positive value and a sign of high solvency as it would only need 0.99 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.99, TLX belongs to the best of the industry, outperforming 89.58% of the companies in the same industry.
TLX has a Debt/Equity ratio of 0.66. This is a neutral value indicating TLX is somewhat dependend on debt financing.
TLX has a Debt to Equity ratio (0.66) which 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
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.
TLX shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.96% yearly.
Looking at the last year, TLX shows a quite strong growth in Revenue. The Revenue has grown by 11.48% in the last year.
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 12.23% on average over the next years. This is quite good.
TLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.13% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
TLX is valuated correctly with a Price/Earnings ratio of 12.33.
Based on the Price/Earnings ratio, TLX is valued a bit cheaper than 64.58% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.46. TLX is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 11.02, which indicates a very decent valuation of TLX.
TLX's Price/Forward Earnings is on the same level as the industry average.
TLX is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.33 | ||
| Fwd PE | 11.02 |
4.2 Price Multiples
93.75% 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 | 3.51 | ||
| 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.
TLX has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.66
PEG (5Y)0.77
EPS Next 2Y12.77%
EPS Next 3Y10.91%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.42%, TLX has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.47, TLX is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.32, TLX has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.42% |
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
TLX pays out 57.04% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of TLX is growing, but earnings are growing more, so the dividend growth is sustainable.
DP57.04%
EPS Next 2Y12.77%
EPS Next 3Y10.91%
FRA:TLX (12/5/2025, 7:00:00 PM)
107.9
-1.7 (-1.55%)
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 Cap27.86B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts71.11
Price Target119.34 (10.6%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.42% |
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 | 12.33 | ||
| Fwd PE | 11.02 | ||
| P/S | 0.57 | ||
| P/FCF | 3.51 | ||
| P/OCF | 3.51 | ||
| P/B | 2.35 | ||
| P/tB | 2.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.75
EY8.11%
EPS(NY)9.79
Fwd EY9.07%
FCF(TTM)30.74
FCFY28.49%
OCF(TTM)30.74
OCFY28.49%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.66
PEG (5Y)0.77
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.