TALANX AG (TLX.DE) Stock Fundamental Analysis
FRA:TLX - Deutsche Boerse Ag - DE000TLX1005 - Common Stock - Currency: EUR
We assign a fundamental rating of 5 out of 10 to TLX. TLX was compared to 38 industry peers in the Insurance industry. TLX has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
Each year in the past 5 years TLX has 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 1.10%. This is comparable to the rest of the industry: TLX outperforms 47.37% of its industry peers.
TLX's Return On Equity of 16.95% is fine compared to the rest of the industry. TLX outperforms 73.68% of its industry peers.
With a decent Return On Invested Capital value of 2.35%, TLX is doing good in the industry, outperforming 76.32% 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 2.06%.
The 3 year average ROIC (1.87%) for TLX is below the current ROIC(2.35%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 16.95% | ||
| ROIC | 2.35% |
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 4.36%, TLX is not doing good in the industry: 78.95% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of TLX has grown nicely.
With a Operating Margin value of 11.62%, TLX perfoms like the industry average, outperforming 44.74% 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 | 11.62% | ||
| PM (TTM) | 4.36% | ||
| 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
Compared to 1 year ago, TLX has about the same amount of shares outstanding.
TLX has more shares outstanding than it did 5 years ago.
The debt/assets ratio for TLX has been reduced compared to a year ago.
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 86.84% of its industry peers.
A Debt/Equity ratio of 0.72 indicates that TLX is somewhat dependend on debt financing.
TLX has a worse Debt to Equity ratio (0.72) than 65.79% of its industry peers.
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 | 0.72 | ||
| 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 23.33% 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 been growing slightly by 7.22% in the past year.
The Revenue has been growing slightly by 3.92% on average over the past years.
EPS 1Y (TTM)23.33%
EPS 3Y24.17%
EPS 5Y15.96%
EPS Q2Q%16.63%
Revenue 1Y (TTM)7.22%
Revenue growth 3Y2.14%
Revenue growth 5Y3.92%
Sales Q2Q%5.54%
3.2 Future
The Earnings Per Share is expected to grow by 2.89% on average over the next years.
TLX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.63% yearly.
EPS Next Y11.74%
EPS Next 2Y9.46%
EPS Next 3Y8.39%
EPS Next 5Y2.89%
Revenue Next Year1.83%
Revenue Next 2Y3.75%
Revenue Next 3Y4.38%
Revenue Next 5Y8.63%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
Based on the Price/Earnings ratio of 14.52, the valuation of TLX can be described as correct.
TLX's Price/Earnings ratio is in line with the industry average.
TLX's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.30.
Based on the Price/Forward Earnings ratio of 12.93, the valuation of TLX can be described as correct.
Based on the Price/Forward Earnings ratio, TLX is valued a bit more expensive than 68.42% of the companies in the same industry.
TLX's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.76.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.52 | ||
| Fwd PE | 12.93 |
4.2 Price Multiples
94.74% 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 | 3.41 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TLX's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
TLX has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.24
PEG (5Y)0.91
EPS Next 2Y9.46%
EPS Next 3Y8.39%
5. Dividend
5.1 Amount
TLX has a Yearly Dividend Yield of 2.49%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.49, TLX pays less dividend than the industry average, which is at 4.58. 81.58% of the companies listed in the same industry pay a better dividend than TLX!
TLX's Dividend Yield is comparable with the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.49% |
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
57.51% 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 the earnings are growing slower. This means the dividend growth is not sustainable.
DP57.51%
EPS Next 2Y9.46%
EPS Next 3Y8.39%
FRA:TLX (7/11/2025, 7:00:00 PM)
111.2
+0.8 (+0.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners7.77%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap28.72B
Analysts71.11
Price Target112.2 (0.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.49% |
Yearly Dividend4.4
Dividend Growth(5Y)7.68%
DP57.51%
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)13.15%
PT rev (3m)17.11%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.24%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.52 | ||
| Fwd PE | 12.93 | ||
| P/S | 0.63 | ||
| P/FCF | 3.41 | ||
| P/OCF | 3.41 | ||
| P/B | 2.46 | ||
| P/tB | 3.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.66
EY6.89%
EPS(NY)8.6
Fwd EY7.74%
FCF(TTM)32.65
FCFY29.36%
OCF(TTM)32.65
OCFY29.36%
SpS175.7
BVpS45.16
TBVpS36.31
PEG (NY)1.24
PEG (5Y)0.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 16.95% | ||
| ROCE | 3.01% | ||
| ROIC | 2.35% | ||
| ROICexc | 2.42% | ||
| ROICexgc | 2.89% | ||
| OM | 11.62% | ||
| PM (TTM) | 4.36% | ||
| GM | N/A | ||
| FCFM | 18.58% |
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%
ROICexcg growth 3Y34.77%
ROICexcg 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 Turnover0.25
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 0.99 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 23.01 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 426.4% | ||
| 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)23.33%
EPS 3Y24.17%
EPS 5Y15.96%
EPS Q2Q%16.63%
EPS Next Y11.74%
EPS Next 2Y9.46%
EPS Next 3Y8.39%
EPS Next 5Y2.89%
Revenue 1Y (TTM)7.22%
Revenue growth 3Y2.14%
Revenue growth 5Y3.92%
Sales Q2Q%5.54%
Revenue Next Year1.83%
Revenue Next 2Y3.75%
Revenue Next 3Y4.38%
Revenue Next 5Y8.63%
EBIT growth 1Y38.39%
EBIT growth 3Y32.53%
EBIT growth 5Y16.65%
EBIT Next Year19.86%
EBIT Next 3Y10.15%
EBIT Next 5YN/A
FCF growth 1Y4.14%
FCF growth 3Y-5.16%
FCF growth 5Y4.37%
OCF growth 1Y4.14%
OCF growth 3Y-5.69%
OCF growth 5Y3.87%