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TALANX AG (1TLX.MI) Stock Fundamental Analysis

BIT:1TLX - Euronext Milan - DE000TLX1005 - Common Stock - Currency: EUR

118.8  +8.5 (+7.71%)

Fundamental Rating

4

1TLX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

1TLX had positive earnings in the past year.
1TLX had a positive operating cash flow in the past year.
In the past 5 years 1TLX has always been profitable.
1TLX had a positive operating cash flow in each of the past 5 years.
1TLX.MI Yearly Net Income VS EBIT VS OCF VS FCF1TLX.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

1.2 Ratios

1TLX has a Return On Assets of 1.10%. This is comparable to the rest of the industry: 1TLX outperforms 47.37% of its industry peers.
With a decent Return On Equity value of 16.95%, 1TLX is doing good in the industry, outperforming 76.32% of the companies in the same industry.
The Return On Invested Capital of 1TLX (2.37%) is better than 76.32% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for 1TLX is in line with the industry average of 2.19%.
The 3 year average ROIC (2.01%) for 1TLX is below the current ROIC(2.37%), indicating increased profibility in the last year.
Industry RankSector 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%
1TLX.MI Yearly ROA, ROE, ROIC1TLX.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

1TLX has a worse Profit Margin (4.36%) than 76.32% of its industry peers.
In the last couple of years the Profit Margin of 1TLX has grown nicely.
1TLX has a Operating Margin (11.69%) which is in line with its industry peers.
In the last couple of years the Operating Margin of 1TLX has grown nicely.
Industry RankSector 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
1TLX.MI Yearly Profit, Operating, Gross Margins1TLX.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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3

2. Health

2.1 Basic Checks

The number of shares outstanding for 1TLX remains at a similar level compared to 1 year ago.
Compared to 5 years ago, 1TLX has more shares outstanding
1TLX has a better debt/assets ratio than last year.
1TLX.MI Yearly Shares Outstanding1TLX.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
1TLX.MI Yearly Total Debt VS Total Assets1TLX.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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.
1TLX has a better Debt to FCF ratio (0.99) than 84.21% of its industry peers.
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: 63.16% of the companies in the same industry are doing better.
Even though the debt/equity ratio score it not favorable for 1TLX, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 0.99
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
1TLX.MI Yearly LT Debt VS Equity VS FCF1TLX.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1TLX.MI Yearly Current Assets VS Current Liabilites1TLX.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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4

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.
Measured over the past years, 1TLX shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.96% on average per year.
1TLX shows a small growth in Revenue. In the last year, the Revenue has grown by 7.22%.
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

1TLX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.89% yearly.
1TLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.38% 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 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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
1TLX.MI Yearly Revenue VS Estimates1TLX.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B
1TLX.MI Yearly EPS VS Estimates1TLX.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6 8 10

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 15.51 indicates a correct valuation of 1TLX.
The rest of the industry has a similar Price/Earnings ratio as 1TLX.
1TLX's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.87.
The Price/Forward Earnings ratio is 13.81, which indicates a correct valuation of 1TLX.
1TLX's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 1TLX is more expensive than 68.42% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of 1TLX to the average of the S&P500 Index (35.34), we can say 1TLX is valued rather cheaply.
Industry RankSector Rank
PE 15.51
Fwd PE 13.81
1TLX.MI Price Earnings VS Forward Price Earnings1TLX.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 92.11% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.64
EV/EBITDA N/A
1TLX.MI Per share data1TLX.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

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)1.32
PEG (5Y)0.97
EPS Next 2Y9.46%
EPS Next 3Y8.39%

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3

5. Dividend

5.1 Amount

1TLX has a Yearly Dividend Yield of 2.34%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.28, 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 2.39.
Industry RankSector Rank
Dividend Yield 2.34%

5.2 History

On average, the dividend of 1TLX grows each year by 7.68%, which is quite nice.
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%
1TLX.MI Yearly Income VS Free CF VS Dividend1TLX.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B
1TLX.MI Dividend Payout.1TLX.MI Dividend Payout, showing the Payout Ratio.1TLX.MI Dividend Payout.PayoutRetained Earnings

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TALANX AG

BIT:1TLX (8/5/2025, 7:00:00 PM)

118.8

+8.5 (+7.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-15 2025-05-15
Earnings (Next)08-14 2025-08-14
Inst Owners8.49%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap30.68B
Analysts52.31
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.34%
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 RankSector Rank
PE 15.51
Fwd PE 13.81
P/S 0.68
P/FCF 3.64
P/OCF 3.64
P/B 2.63
P/tB 3.27
EV/EBITDA N/A
EPS(TTM)7.66
EY6.45%
EPS(NY)8.6
Fwd EY7.24%
FCF(TTM)32.65
FCFY27.48%
OCF(TTM)32.65
OCFY27.48%
SpS175.7
BVpS45.16
TBVpS36.31
PEG (NY)1.32
PEG (5Y)0.97
Profitability
Industry RankSector 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 RankSector 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 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%