TALANX AG (TLX.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:TLX - DE000TLX1005 - Common Stock
113.7 EUR
0 (0%)
TLX gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 45 industry peers in the Insurance industry. TLX has a medium profitability rating, but doesn't score so well on its financial health evaluation. A decent growth rate in combination with a cheap valuation! Better keep an eye on TLX.
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.
Each year in the past 5 years TLX has been profitable.
Each year in the past 5 years TLX had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 1.27%, TLX perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
With a decent Return On Equity value of 19.07%, TLX is doing good in the industry, outperforming 77.78% of the companies in the same industry.
With a decent Return On Invested Capital value of 2.55%, TLX is doing good in the industry, outperforming 75.56% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for TLX is in line with the industry average of 2.72%.
The last Return On Invested Capital (2.55%) for TLX is above the 3 year average (1.87%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
The Profit Margin of TLX (4.59%) is worse than 77.78% of its industry peers.
TLX's Profit Margin has improved in the last couple of years.
TLX 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 TLX has grown nicely.
| Industry Rank | Sector 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
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.
Compared to 1 year ago, TLX has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of TLX is 0.99, which is an excellent value as it means it would take TLX, only 0.99 years of fcf income to pay off all of its debts.
TLX has a better Debt to FCF ratio (0.99) than 86.67% of its industry peers.
A Debt/Equity ratio of 0.66 indicates that TLX is somewhat dependend on debt financing.
TLX's Debt to Equity ratio of 0.66 is on the low side compared to the rest of the industry. TLX is outperformed by 60.00% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| 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
TLX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.13%, which is quite impressive.
TLX shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.96% yearly.
The Revenue has grown by 11.48% in the past year. This is quite good.
Measured over the past years, TLX shows a small growth in Revenue. The Revenue has been growing by 3.92% on average per year.
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.
Based on estimates for the next years, TLX will show a small growth in Revenue. The Revenue will grow by 6.13% on average per year.
EPS Next Y22.26%
EPS Next 2Y16.78%
EPS Next 3Y12.78%
EPS Next 5Y12.23%
Revenue Next Year6.12%
Revenue Next 2Y5.91%
Revenue Next 3Y6.02%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.99 indicates a correct valuation of TLX.
TLX's Price/Earnings ratio is a bit cheaper when compared to the industry. TLX is cheaper than 68.89% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.57. TLX is valued rather cheaply when compared to this.
TLX is valuated reasonably with a Price/Forward Earnings ratio of 10.83.
TLX's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of TLX to the average of the S&P500 Index (24.04), we can say TLX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.99 | ||
| Fwd PE | 10.83 |
4.2 Price Multiples
TLX's Price/Free Cash Flow ratio is rather cheap when compared to the industry. TLX is cheaper than 91.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.7 | ||
| EV/EBITDA | N/A |
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.
The decent profitability rating of TLX may justify a higher PE ratio.
TLX's earnings are expected to grow with 12.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.58
PEG (5Y)0.81
EPS Next 2Y16.78%
EPS Next 3Y12.78%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.40%, TLX has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.95, TLX is paying slightly less dividend.
TLX's Dividend Yield is a higher than the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
5.2 History
The dividend of TLX is nicely growing with an annual growth rate of 7.68%!
Dividend Growth(5Y)7.68%
Div Incr Years1
Div Non Decr Years6
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 2Y16.78%
EPS Next 3Y12.78%
FRA:TLX (12/23/2025, 7:00:00 PM)
113.7
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners10.89%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap29.36B
Revenue(TTM)49.20B
Net Income(TTM)2.26B
Analysts73.33
Price Target121.38 (6.75%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
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)2.88%
PT rev (3m)3.63%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.1%
EPS NY rev (3m)6.08%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.12%
Revenue NY rev (3m)-1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.99 | ||
| Fwd PE | 10.83 | ||
| P/S | 0.6 | ||
| P/FCF | 3.7 | ||
| P/OCF | 3.7 | ||
| P/B | 2.48 | ||
| P/tB | 3.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.75
EY7.7%
EPS(NY)10.5
Fwd EY9.23%
FCF(TTM)30.74
FCFY27.04%
OCF(TTM)30.74
OCFY27.04%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.58
PEG (5Y)0.81
Graham Number95.05
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 Y22.26%
EPS Next 2Y16.78%
EPS Next 3Y12.78%
EPS Next 5Y12.23%
Revenue 1Y (TTM)11.48%
Revenue growth 3Y2.14%
Revenue growth 5Y3.92%
Sales Q2Q%17.21%
Revenue Next Year6.12%
Revenue Next 2Y5.91%
Revenue Next 3Y6.02%
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 / 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 of TALANX AG (TLX.DE) 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.
What is the financial health of TALANX AG (TLX.DE) stock?
The financial health rating of TALANX AG (TLX.DE) is 3 / 10.
What is the expected EPS growth for TALANX AG (TLX.DE) stock?
The Earnings per Share (EPS) of TALANX AG (TLX.DE) is expected to grow by 22.26% in the next year.