TALANX AG (TLX.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:TLX - DE000TLX1005 - Common Stock
111.4 EUR
+1 (+0.91%)
TLX gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 46 industry peers in the Insurance industry. There are concerns on the financial health of TLX while its profitability can be described as average. TLX scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
- 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
- Looking at the Return On Assets, with a value of 1.27%, TLX is in line with its industry, outperforming 54.35% of the companies in the same industry.
- 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.
- Looking at the Return On Invested Capital, with a value of 2.55%, TLX is in the better half of the industry, outperforming 73.91% of the companies in the same industry.
- 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 2.71%.
- 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
- With a Profit Margin value of 4.59%, TLX is not doing good in the industry: 80.43% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of TLX has grown nicely.
- Looking at the Operating Margin, with a value of 11.43%, TLX is in line with its industry, outperforming 43.48% of the companies in the same industry.
- 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
- TLX has about the same amout of shares outstanding than it did 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.
- TLX's Debt to FCF ratio of 0.99 is amongst the best of the industry. TLX outperforms 86.96% 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 on the low side compared to the rest of the industry. TLX is outperformed by 63.04% 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.
- TLX shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.96% yearly.
- TLX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.48%.
- 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
- Based on estimates for the next years, TLX will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.86% on average per year.
- TLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.47% yearly.
EPS Next Y22.64%
EPS Next 2Y17.11%
EPS Next 3Y12.97%
EPS Next 5Y10.86%
Revenue Next Year3.93%
Revenue Next 2Y4.6%
Revenue Next 3Y4.97%
Revenue Next 5Y4.47%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 12.73, which 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 65.22% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.47. TLX is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 10.55, which indicates a very decent valuation of TLX.
- 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 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.73 | ||
| Fwd PE | 10.55 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, TLX is valued cheaper than 91.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.62 | ||
| 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.
- TLX's earnings are expected to grow with 12.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.56
PEG (5Y)0.8
EPS Next 2Y17.11%
EPS Next 3Y12.97%
5. Dividend
5.1 Amount
- TLX has a Yearly Dividend Yield of 2.38%.
- TLX's Dividend Yield is slightly below the industry average, which is at 3.93.
- Compared to an average S&P500 Dividend Yield of 1.89, TLX pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
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.
- The dividend of TLX is growing, but earnings are growing more, so the dividend growth is sustainable.
DP57.04%
EPS Next 2Y17.11%
EPS Next 3Y12.97%
FRA:TLX (1/16/2026, 7:00:00 PM)
111.4
+1 (+0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-13 2025-11-13
Earnings (Next)02-10 2026-02-10/amc
Inst Owners14.14%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap28.77B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts72
Price Target127.16 (14.15%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
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)4.76%
PT rev (3m)7.78%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.31%
EPS NY rev (3m)3.78%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.06%
Revenue NY rev (3m)-3.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.73 | ||
| Fwd PE | 10.55 | ||
| P/S | 0.58 | ||
| P/FCF | 3.62 | ||
| P/OCF | 3.62 | ||
| P/B | 2.43 | ||
| P/tB | 3 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.75
EY7.85%
EPS(NY)10.56
Fwd EY9.48%
FCF(TTM)30.74
FCFY27.59%
OCF(TTM)30.74
OCFY27.59%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.56
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 5Y10.86%
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 5Y4.47%
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%.