TALANX AG (1TLX.MI) Fundamental Analysis & Valuation

BIT:1TLX • DE000TLX1005

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

This 1TLX.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

6

Overall 1TLX gets a fundamental rating of 6 out of 10. We evaluated 1TLX against 46 industry peers in the Insurance industry. 1TLX has only an average score on both its financial health and profitability. 1TLX scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

6

1. 1TLX.MI Profitability Analysis

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.
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

  • 1TLX has a Return On Assets of 1.27%. This is comparable to the rest of the industry: 1TLX outperforms 57.45% of its industry peers.
  • 1TLX's Return On Equity of 19.07% is amongst the best of the industry. 1TLX outperforms 80.85% of its industry peers.
  • With a decent Return On Invested Capital value of 2.55%, 1TLX is doing good in the industry, outperforming 76.60% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for 1TLX is in line with the industry average of 3.09%.
  • 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

  • With a Profit Margin value of 4.59%, 1TLX is not doing good in the industry: 76.60% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of 1TLX has grown nicely.
  • 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 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. 1TLX.MI Health Analysis

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
  • Compared to 1 year ago, 1TLX has an improved debt to assets ratio.
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.
  • The Debt to FCF ratio of 1TLX (0.99) is better than 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 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. 1TLX.MI Growth Analysis

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.
  • 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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.48%.
  • 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

  • Based on estimates for the next years, 1TLX will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.23% on average per year.
  • 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.
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

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7

4. 1TLX.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.69, the valuation of 1TLX can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1TLX indicates a somewhat cheap valuation: 1TLX is cheaper than 65.96% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.83, 1TLX is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.51, the valuation of 1TLX can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as 1TLX.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.95, 1TLX is valued rather cheaply.
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

  • 1TLX's Price/Free Cash Flow ratio is rather cheap when compared to the industry. 1TLX is 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.
  • 1TLX has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as 1TLX's earnings are expected to grow with 12.97% in the coming years.
PEG (NY)0.56
PEG (5Y)0.79
EPS Next 2Y17.11%
EPS Next 3Y12.97%

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

5

5. 1TLX.MI Dividend Analysis

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 4.03.
  • 1TLX's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.37%

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 57.04% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of 1TLX is growing, but earnings are growing more, so the dividend growth is 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

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1TLX.MI Fundamentals: All Metrics, Ratios and Statistics

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.