TALANX AG (1TLX.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:1TLX • DE000TLX1005

111 EUR
-7.8 (-6.57%)
Last: Dec 22, 2025, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

6

Taking everything into account, 1TLX scores 6 out of 10 in our fundamental rating. 1TLX was compared to 43 industry peers in the Insurance industry. 1TLX has only an average score on both its financial health and profitability. 1TLX may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

6

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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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.
  • 1TLX has a better Return On Equity (19.07%) than 80.85% of its industry peers.
  • The Return On Invested Capital of 1TLX (2.55%) is better than 76.60% 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 2.92%.
  • 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 RankSector 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%
1TLX.MI Yearly ROA, ROE, ROIC1TLX.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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.
  • With a Operating Margin value of 11.43%, 1TLX perfoms like the industry average, outperforming 48.94% of the companies in the same industry.
  • 1TLX's Operating Margin has improved in the last couple of years.
Industry RankSector 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
1TLX.MI Yearly Profit, Operating, Gross Margins1TLX.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • 1TLX has about the same amout of shares outstanding than it did 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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.
  • Looking at the Debt to FCF ratio, with a value of 0.99, 1TLX belongs to the top of the industry, outperforming 87.23% of the companies in the same industry.
  • 1TLX has a Debt/Equity ratio of 0.66. This is a neutral value indicating 1TLX is somewhat dependend on debt financing.
  • 1TLX has a Debt to Equity ratio (0.66) which is in line with its industry peers.
  • 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 0.66
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 22.13% over the past year.
  • 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.
  • Looking at the last year, 1TLX shows a quite strong growth in Revenue. The Revenue has grown by 11.48% in the last year.
  • 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

  • The Earnings Per Share is expected to grow by 12.23% on average over the next years. This is quite good.
  • 1TLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.13% yearly.
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
1TLX.MI Yearly Revenue VS Estimates1TLX.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 20B 40B 60B 80B
1TLX.MI Yearly EPS VS Estimates1TLX.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 5 10 15

More info and screens

Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.69 indicates a correct valuation of 1TLX.
  • Based on the Price/Earnings ratio, 1TLX is valued a bit cheaper than 65.96% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of 1TLX to the average of the S&P500 Index (27.93), we can say 1TLX is valued rather cheaply.
  • 1TLX is valuated reasonably with a Price/Forward Earnings ratio of 10.51.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1TLX is on the same level as its industry peers.
  • 1TLX is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.77, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.69
Fwd PE 10.51
1TLX.MI Price Earnings VS Forward Price Earnings1TLX.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, 1TLX is valued cheaper than 93.62% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.61
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of 1TLX 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%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • 1TLX has a Yearly Dividend Yield of 2.37%. Purely for dividend investing, there may be better candidates out there.
  • 1TLX's Dividend Yield is slightly below the industry average, which is at 4.23.
  • 1TLX's Dividend Yield is a higher than the S&P500 average which is at 1.81.
Industry RankSector 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

  • 57.04% of the earnings are spent on dividend by 1TLX. 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%
1TLX.MI Yearly Income VS Free CF VS Dividend1TLX.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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

More info and screens

Find the best dividend stocksShow peers with best dividend

TALANX AG

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)11-13
Earnings (Next)03-18
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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.