TALANX AG (TLX.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:TLX - DE000TLX1005 - Common Stock
113.7 EUR
0 (0%)
TLX gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 45 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. TLX is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
TLX had positive earnings in the past year.
TLX had a positive operating cash flow in the past year.
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
TLX has a Return On Assets (1.27%) which is in line with its industry peers.
The Return On Equity of TLX (19.07%) is better than 77.78% of its industry peers.
TLX has a better Return On Invested Capital (2.55%) than 75.56% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TLX is in line with the industry average of 2.72%.
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 77.78% of its industry peers.
In the last couple of years the Profit Margin of TLX has grown nicely.
TLX has a Operating Margin (11.43%) which is comparable to the rest of the 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.
Compared to 5 years ago, TLX has more shares outstanding
Compared to 1 year ago, TLX has an improved debt to assets ratio.
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.
With an excellent Debt to FCF ratio value of 0.99, TLX belongs to the best of the industry, outperforming 86.67% of the companies in the same industry.
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 60.00% 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 | 0.66 | ||
| 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.
Measured over the past years, TLX shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.96% on average per year.
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
TLX is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.23% yearly.
TLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.13% yearly.
EPS Next Y22.26%
EPS Next 2Y16.78%
EPS Next 3Y12.78%
EPS Next 5Y12.23%
Revenue Next Year6.12%
Revenue Next 2Y5.91%
Revenue Next 3Y6.02%
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
A Price/Earnings ratio of 12.99 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 68.89% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.59, TLX is valued rather cheaply.
The Price/Forward Earnings ratio is 10.83, which indicates a very decent valuation of TLX.
TLX's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.03, TLX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.99 | ||
| Fwd PE | 10.83 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TLX is valued cheaper than 91.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.7 | ||
| 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 12.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.58
PEG (5Y)0.81
EPS Next 2Y16.78%
EPS Next 3Y12.78%
5. Dividend
5.1 Amount
TLX has a Yearly Dividend Yield of 2.40%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.95, TLX is paying slightly less dividend.
TLX's Dividend Yield is a higher than the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
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
57.04% 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 2Y16.78%
EPS Next 3Y12.78%
FRA:TLX (12/23/2025, 7:00:00 PM)
113.7
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners10.89%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap29.36B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts73.33
Price Target121.38 (6.75%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
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)2.88%
PT rev (3m)3.63%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.1%
EPS NY rev (3m)6.08%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.12%
Revenue NY rev (3m)-1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.99 | ||
| Fwd PE | 10.83 | ||
| P/S | 0.6 | ||
| P/FCF | 3.7 | ||
| P/OCF | 3.7 | ||
| P/B | 2.48 | ||
| P/tB | 3.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.75
EY7.7%
EPS(NY)10.5
Fwd EY9.23%
FCF(TTM)30.74
FCFY27.04%
OCF(TTM)30.74
OCFY27.04%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.58
PEG (5Y)0.81
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 Y22.26%
EPS Next 2Y16.78%
EPS Next 3Y12.78%
EPS Next 5Y12.23%
Revenue 1Y (TTM)11.48%
Revenue growth 3Y2.14%
Revenue growth 5Y3.92%
Sales Q2Q%17.21%
Revenue Next Year6.12%
Revenue Next 2Y5.91%
Revenue Next 3Y6.02%
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 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.
What is the financial health of TALANX AG (TLX.DE) stock?
The financial health rating of TALANX AG (TLX.DE) is 3 / 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 22.26% in the next year.