TALANX AG (1TLX.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1TLX - DE000TLX1005 - Common Stock
111 EUR
-7.8 (-6.57%)
1TLX gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 49 industry peers in the Insurance industry. 1TLX has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on 1TLX.
1. Profitability
1.1 Basic Checks
In the past year 1TLX was profitable.
1TLX had a positive operating cash flow in the past year.
In the past 5 years 1TLX has always been profitable.
In the past 5 years 1TLX always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 1.27%, 1TLX perfoms like the industry average, outperforming 57.45% of the companies in the same industry.
With an excellent Return On Equity value of 19.07%, 1TLX belongs to the best of the industry, outperforming 80.85% of the companies in the same industry.
1TLX has a Return On Invested Capital of 2.55%. This is in the better half of the industry: 1TLX outperforms 76.60% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 1TLX is in line with the industry average of 2.69%.
The last Return On Invested Capital (2.55%) for 1TLX 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
1TLX has a worse Profit Margin (4.59%) than 76.60% of its industry peers.
1TLX's Profit Margin has improved in the last couple of years.
1TLX 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 1TLX 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
Compared to 1 year ago, 1TLX has about the same amount of shares outstanding.
The number of shares outstanding for 1TLX has been increased compared to 5 years ago.
1TLX has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of 1TLX is 0.99, which is an excellent value as it means it would take 1TLX, only 0.99 years of fcf income to pay off all of its debts.
1TLX's Debt to FCF ratio of 0.99 is amongst the best of the industry. 1TLX outperforms 87.23% of its industry peers.
A Debt/Equity ratio of 0.66 indicates that 1TLX is somewhat dependend on debt financing.
The Debt to Equity ratio of 1TLX (0.66) is comparable to the rest of the industry.
Although 1TLX 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
1TLX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.13%, which is quite impressive.
1TLX shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.96% yearly.
1TLX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.48%.
Measured over the past years, 1TLX shows a small growth in Revenue. The Revenue has been growing by 3.92% on average per year.
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
1TLX is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.23% yearly.
The Revenue is expected to grow by 6.13% on average over the next years.
EPS Next Y22.64%
EPS Next 2Y17.11%
EPS Next 3Y12.97%
EPS Next 5Y12.23%
Revenue Next Year3.93%
Revenue Next 2Y4.6%
Revenue Next 3Y4.97%
Revenue Next 5Y6.13%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.69, 1TLX is valued correctly.
1TLX's Price/Earnings ratio is a bit cheaper when compared to the industry. 1TLX is cheaper than 65.96% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.19. 1TLX is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.51, which indicates a very decent valuation of 1TLX.
1TLX's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.88, 1TLX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.69 | ||
| Fwd PE | 10.51 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1TLX indicates a rather cheap valuation: 1TLX is cheaper than 93.62% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.61 | ||
| 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.
1TLX has a very decent profitability rating, which may justify a higher PE ratio.
1TLX'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)0.79
EPS Next 2Y17.11%
EPS Next 3Y12.97%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.37%, 1TLX has a reasonable but not impressive dividend return.
1TLX's Dividend Yield is slightly below the industry average, which is at 4.02.
1TLX's Dividend Yield is a higher than the S&P500 average which is at 1.90.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
5.2 History
The dividend of 1TLX is nicely growing with an annual growth rate of 7.68%!
Dividend Growth(5Y)7.68%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
1TLX pays out 57.04% of its income as dividend. This is a bit on the high side, but may be sustainable.
1TLX's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP57.04%
EPS Next 2Y17.11%
EPS Next 3Y12.97%
BIT:1TLX (12/22/2025, 7:00:00 PM)
111
-7.8 (-6.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners14.14%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap28.66B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts73.33
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
Yearly Dividend4.4
Dividend Growth(5Y)7.68%
DP57.04%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)9.75%
EPS NY rev (3m)9.75%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-3.89%
Revenue NY rev (3m)-3.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.69 | ||
| Fwd PE | 10.51 | ||
| P/S | 0.58 | ||
| P/FCF | 3.61 | ||
| P/OCF | 3.61 | ||
| P/B | 2.42 | ||
| P/tB | 2.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.75
EY7.88%
EPS(NY)10.56
Fwd EY9.51%
FCF(TTM)30.74
FCFY27.69%
OCF(TTM)30.74
OCFY27.69%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.56
PEG (5Y)0.79
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 5Y12.23%
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 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 / 1TLX.MI FAQ
What is the ChartMill fundamental rating of TALANX AG (1TLX.MI) stock?
ChartMill assigns a fundamental rating of 4 / 10 to 1TLX.MI.
Can you provide the valuation status for TALANX AG?
ChartMill assigns a valuation rating of 4 / 10 to TALANX AG (1TLX.MI). This can be considered as Fairly Valued.
How profitable is TALANX AG (1TLX.MI) stock?
TALANX AG (1TLX.MI) has a profitability rating of 5 / 10.
What is the valuation of TALANX AG based on its PE and PB ratios?
The Price/Earnings (PE) ratio for TALANX AG (1TLX.MI) is 12.69 and the Price/Book (PB) ratio is 2.42.
What is the financial health of TALANX AG (1TLX.MI) stock?
The financial health rating of TALANX AG (1TLX.MI) is 3 / 10.