TALANX AG (TLX.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:TLX • DE000TLX1005
106.5 EUR
+1.4 (+1.33%)
Last: Jan 30, 2026, 07:00 PM
We assign a fundamental rating of 5 out of 10 to TLX. TLX was compared to 48 industry peers in the Insurance industry. While TLX is still in line with the averages on profitability rating, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on TLX.
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.
- Each year in the past 5 years TLX has been profitable.
- TLX had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of TLX (1.27%) is comparable to the rest of the industry.
- TLX has a Return On Equity of 19.07%. This is in the better half of the industry: TLX outperforms 72.92% of its industry peers.
- TLX has a Return On Invested Capital of 2.55%. This is in the better half of the industry: TLX outperforms 70.83% 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 2.74%.
- 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
- TLX has a worse Profit Margin (4.59%) than 79.17% of its industry peers.
- TLX's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 11.43%, TLX is in line with its industry, outperforming 45.83% 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
- 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 87.50% 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 worse than 60.42% 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
- The Earnings Per Share has grown by an impressive 22.13% over the past year.
- 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.
- The Revenue is expected to grow by 4.47% on average over the next years.
EPS Next Y22.64%
EPS Next 2Y17.09%
EPS Next 3Y12.96%
EPS Next 5Y10.86%
Revenue Next Year3.93%
Revenue Next 2Y4.6%
Revenue Next 3Y4.97%
Revenue Next 5Y4.47%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 12.17, which indicates a correct valuation of TLX.
- TLX's Price/Earnings ratio is a bit cheaper when compared to the industry. TLX is cheaper than 66.67% of the companies in the same industry.
- When comparing the Price/Earnings ratio of TLX to the average of the S&P500 Index (28.30), we can say TLX is valued rather cheaply.
- With a Price/Forward Earnings ratio of 10.09, the valuation of TLX can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of TLX indicates a somewhat cheap valuation: TLX is cheaper than 62.50% of the companies listed in the same industry.
- TLX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.17 | ||
| Fwd PE | 10.09 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of TLX indicates a rather cheap valuation: TLX is cheaper than 91.67% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.46 | ||
| 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.
- 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)0.76
EPS Next 2Y17.09%
EPS Next 3Y12.96%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.56%, TLX has a reasonable but not impressive dividend return.
- TLX's Dividend Yield is slightly below the industry average, which is at 4.17.
- TLX's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.56% |
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
- 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 2Y17.09%
EPS Next 3Y12.96%
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%.