TALANX AG (TLX.DE) Stock Fundamental Analysis

FRA:TLX • DE000TLX1005

104 EUR
-1.5 (-1.42%)
Last: Feb 12, 2026, 05:36 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

TLX gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 43 industry peers in the Insurance industry. While TLX is still in line with the averages on profitability rating, there are concerns on its financial health. TLX is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • TLX had positive earnings in the past year.
  • TLX had a positive operating cash flow in the past year.
  • In the past 5 years TLX has always been profitable.
  • Each year in the past 5 years TLX had a positive operating cash flow.
TLX.DE Yearly Net Income VS EBIT VS OCF VS FCFTLX.DE 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

  • TLX has a Return On Assets (1.27%) which is comparable to the rest of the industry.
  • With a decent Return On Equity value of 19.07%, TLX is doing good in the industry, outperforming 72.09% of the companies in the same industry.
  • The Return On Invested Capital of TLX (2.55%) is better than 69.77% of its industry peers.
  • TLX had an Average Return On Invested Capital over the past 3 years of 1.87%. This is in line with the industry average of 2.92%.
  • The 3 year average ROIC (1.87%) for TLX is below the current ROIC(2.55%), indicating increased profibility in the last year.
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%
TLX.DE Yearly ROA, ROE, ROICTLX.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • TLX has a worse Profit Margin (4.59%) than 79.07% of its industry peers.
  • TLX's Profit Margin has improved in the last couple of years.
  • With a Operating Margin value of 11.43%, TLX perfoms like the industry average, outperforming 44.19% of the companies in the same industry.
  • TLX'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
TLX.DE Yearly Profit, Operating, Gross MarginsTLX.DE 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

3

2. Health

2.1 Basic Checks

  • The number of shares outstanding for TLX remains at a similar level compared to 1 year ago.
  • TLX has more shares outstanding than it did 5 years ago.
  • TLX has a better debt/assets ratio than last year.
TLX.DE Yearly Shares OutstandingTLX.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
TLX.DE Yearly Total Debt VS Total AssetsTLX.DE 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

  • TLX 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, TLX belongs to the best of the industry, outperforming 86.05% of the companies in the same industry.
  • TLX has a Debt/Equity ratio of 0.66. This is a neutral value indicating TLX is somewhat dependend on debt financing.
  • The Debt to Equity ratio of TLX (0.66) is worse than 62.79% of its industry peers.
  • Although TLX 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
TLX.DE Yearly LT Debt VS Equity VS FCFTLX.DE 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
TLX.DE Yearly Current Assets VS Current LiabilitesTLX.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

More info and screens

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

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 22.13% over the past year.
  • The Earnings Per Share has been growing by 15.96% on average over the past years. This is quite good.
  • TLX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.48%.
  • TLX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.92% yearly.
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

  • TLX is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.86% yearly.
  • TLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.47% yearly.
EPS Next Y22.64%
EPS Next 2Y17.09%
EPS Next 3Y12.96%
EPS Next 5Y10.86%
Revenue Next Year3.93%
Revenue Next 2Y4.6%
Revenue Next 3Y4.97%
Revenue Next 5Y4.47%

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 stable: in the next years the growth will be about the same than in the last years.
TLX.DE Yearly Revenue VS EstimatesTLX.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20B 40B 60B 80B
TLX.DE Yearly EPS VS EstimatesTLX.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5 10 15

More info and screens

Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.89, which indicates a very decent valuation of TLX.
  • Based on the Price/Earnings ratio, TLX is valued a bit cheaper than the industry average as 60.47% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 28.18. TLX is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 9.85 indicates a reasonable valuation of TLX.
  • TLX's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. TLX is cheaper than 69.77% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, TLX is valued rather cheaply.
Industry RankSector Rank
PE 11.89
Fwd PE 9.85
TLX.DE Price Earnings VS Forward Price EarningsTLX.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • TLX's Price/Free Cash Flow ratio is rather cheap when compared to the industry. TLX is cheaper than 93.02% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.38
EV/EBITDA N/A
TLX.DE Per share dataTLX.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

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.
  • TLX has a very decent profitability rating, which may justify a higher PE ratio.
  • TLX's earnings are expected to grow with 12.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)0.74
EPS Next 2Y17.09%
EPS Next 3Y12.96%

More info and screens

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

5

5. Dividend

5.1 Amount

  • TLX has a Yearly Dividend Yield of 2.48%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.23, TLX is paying slightly less dividend.
  • TLX's Dividend Yield is a higher than the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.48%

5.2 History

  • On average, the dividend of TLX grows each year by 7.68%, which is quite nice.
Dividend Growth(5Y)7.68%
Div Incr Years1
Div Non Decr Years6
TLX.DE Yearly Dividends per shareTLX.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

  • TLX pays out 57.04% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • TLX's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP57.04%
EPS Next 2Y17.09%
EPS Next 3Y12.96%
TLX.DE Yearly Income VS Free CF VS DividendTLX.DE 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
TLX.DE Dividend Payout.TLX.DE Dividend Payout, showing the Payout Ratio.TLX.DE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

TALANX AG

FRA:TLX (2/12/2026, 5:36:15 PM)

104

-1.5 (-1.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-13
Earnings (Next)02-10
Inst Owners14.14%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap26.86B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts72
Price Target127.16 (22.27%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.48%
Yearly Dividend4.4
Dividend Growth(5Y)7.68%
DP57.04%
Div Incr Years1
Div Non Decr Years6
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)0%
PT rev (3m)7.78%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)3.78%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.16%
Valuation
Industry RankSector Rank
PE 11.89
Fwd PE 9.85
P/S 0.55
P/FCF 3.38
P/OCF 3.38
P/B 2.27
P/tB 2.8
EV/EBITDA N/A
EPS(TTM)8.75
EY8.41%
EPS(NY)10.55
Fwd EY10.15%
FCF(TTM)30.74
FCFY29.56%
OCF(TTM)30.74
OCFY29.56%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.52
PEG (5Y)0.74
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 2Y17.09%
EPS Next 3Y12.96%
EPS Next 5Y10.86%
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 5Y4.47%
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 / TLX.DE FAQ

What is the ChartMill fundamental rating of TALANX AG (TLX.DE) stock?

ChartMill assigns a fundamental rating of 5 / 10 to TLX.DE.


What is the valuation status for TLX stock?

ChartMill assigns a valuation rating of 7 / 10 to TALANX AG (TLX.DE). This can be considered as Undervalued.


Can you provide the profitability details for TALANX AG?

TALANX AG (TLX.DE) has a profitability rating of 6 / 10.


Can you provide the expected EPS growth for TLX stock?

The Earnings per Share (EPS) of TALANX AG (TLX.DE) is expected to grow by 22.64% in the next year.


Is the dividend of TALANX AG sustainable?

The dividend rating of TALANX AG (TLX.DE) is 5 / 10 and the dividend payout ratio is 57.04%.