TALANX AG (1TLX.MI) Stock Fundamental Analysis
BIT:1TLX - Euronext Milan - DE000TLX1005 - Common Stock - Currency: EUR
Overall 1TLX gets a fundamental rating of 4 out of 10. We evaluated 1TLX against 38 industry peers in the Insurance industry. 1TLX has a medium profitability rating, but doesn't score so well on its financial health evaluation. 1TLX has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year 1TLX was profitable.
In the past year 1TLX had a positive cash flow from operations.
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
1TLX has a Return On Assets (1.10%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 16.95%, 1TLX is in the better half of the industry, outperforming 68.42% of the companies in the same industry.
1TLX's Return On Invested Capital of 2.37% is fine compared to the rest of the industry. 1TLX outperforms 73.68% 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 2.20%.
The 3 year average ROIC (2.01%) for 1TLX is below the current ROIC(2.37%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 16.95% | ||
| ROIC | 2.37% |
ROA(3y)0.83%
ROA(5y)0.67%
ROE(3y)13.42%
ROE(5y)11.18%
ROIC(3y)2.01%
ROIC(5y)1.54%
1.3 Margins
1TLX has a Profit Margin of 4.36%. This is in the lower half of the industry: 1TLX underperforms 76.32% of its industry peers.
In the last couple of years the Profit Margin of 1TLX has grown nicely.
The Operating Margin of 1TLX (11.69%) 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 | 11.69% | ||
| PM (TTM) | 4.36% | ||
| GM | N/A |
OM growth 3Y30.02%
OM growth 5Y12.39%
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.
Compared to 1 year ago, 1TLX has an improved debt to assets ratio.
2.2 Solvency
1TLX 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.
With an excellent Debt to FCF ratio value of 0.99, 1TLX belongs to the best of the industry, outperforming 84.21% of the companies in the same industry.
A Debt/Equity ratio of 0.72 indicates that 1TLX is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.72, 1TLX is not doing good in the industry: 68.42% of the companies in the same industry are doing better.
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 | 0.72 | ||
| 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
1TLX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.33%, 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.
Looking at the last year, 1TLX shows a small growth in Revenue. The Revenue has grown by 7.22% in the last year.
1TLX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.92% yearly.
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
Based on estimates for the next years, 1TLX will show a small growth in Earnings Per Share. The EPS will grow by 2.89% on average per year.
Based on estimates for the next years, 1TLX will show a small growth in Revenue. The Revenue will grow by 4.38% on average per year.
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 5Y4.38%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.66, 1TLX is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of 1TLX is on the same level as its industry peers.
1TLX's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.85.
The Price/Forward Earnings ratio is 12.16, which indicates a correct valuation of 1TLX.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1TLX indicates a slightly more expensive valuation: 1TLX is more expensive than 63.16% of the companies listed in the same industry.
1TLX's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.66 | ||
| Fwd PE | 12.16 |
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 97.37% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.2 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
1TLX's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
1TLX has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.16
PEG (5Y)0.86
EPS Next 2Y9.46%
EPS Next 3Y8.39%
5. Dividend
5.1 Amount
1TLX has a Yearly Dividend Yield of 2.57%.
Compared to an average industry Dividend Yield of 4.53, 1TLX's dividend is way lower than its industry peers. On top of this 81.58% of the companies listed in the same industry pay a better dividend than 1TLX!
1TLX's Dividend Yield is comparable with the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.57% |
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 57.51% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of 1TLX 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%
BIT:1TLX (5/12/2025, 7:00:00 PM)
104.6
-3 (-2.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners8.49%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap27.01B
Analysts52.31
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.57% |
Yearly Dividend4.4
Dividend Growth(5Y)7.68%
DP57.51%
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)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.66 | ||
| Fwd PE | 12.16 | ||
| P/S | 0.6 | ||
| P/FCF | 3.2 | ||
| P/OCF | 3.2 | ||
| P/B | 2.32 | ||
| P/tB | 2.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.66
EY7.32%
EPS(NY)8.6
Fwd EY8.22%
FCF(TTM)32.65
FCFY31.21%
OCF(TTM)32.65
OCFY31.21%
SpS175.7
BVpS45.16
TBVpS36.31
PEG (NY)1.16
PEG (5Y)0.86
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 16.95% | ||
| ROCE | 3.03% | ||
| ROIC | 2.37% | ||
| ROICexc | 2.44% | ||
| ROICexgc | 2.91% | ||
| OM | 11.69% | ||
| 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)2.01%
ROIC(5y)1.54%
ROICexc(3y)2.07%
ROICexc(5y)1.58%
ROICexgc(3y)2.43%
ROICexgc(5y)1.88%
ROCE(3y)2.57%
ROCE(5y)1.96%
ROICexcg growth 3Y35.04%
ROICexcg growth 5Y15.27%
ROICexc growth 3Y37.11%
ROICexc growth 5Y16.53%
OM growth 3Y30.02%
OM growth 5Y12.39%
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 | 23.15 | ||
| 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 5Y4.38%
EBIT growth 1Y39.2%
EBIT growth 3Y32.8%
EBIT growth 5Y16.79%
EBIT Next Year11.9%
EBIT Next 3YN/A
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%