TALANX AG (TLX.DE) Stock Fundamental Analysis
FRA:TLX - Deutsche Boerse Ag - DE000TLX1005 - Common Stock - Currency: EUR
We assign a fundamental rating of 5 out of 10 to TLX. TLX was compared to 32 industry peers in the Insurance industry. TLX has a medium profitability rating, but doesn't score so well on its financial health evaluation. TLX has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year TLX was profitable.
TLX had a positive operating cash flow in the past year.
TLX had positive earnings in each of the past 5 years.
Each year in the past 5 years TLX had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.10%, TLX is in line with its industry, outperforming 50.00% of the companies in the same industry.
With a decent Return On Equity value of 16.95%, TLX is doing good in the industry, outperforming 68.75% of the companies in the same industry.
TLX has a Return On Invested Capital of 2.37%. This is in the better half of the industry: TLX outperforms 75.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TLX is in line with the industry average of 2.19%.
The last Return On Invested Capital (2.37%) for TLX is above the 3 year average (2.01%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
The Profit Margin of TLX (4.36%) is worse than 75.00% of its industry peers.
In the last couple of years the Profit Margin of TLX has grown nicely.
Looking at the Operating Margin, with a value of 11.69%, TLX is in line with its industry, outperforming 46.88% of the companies in the same industry.
TLX's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
TLX has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for TLX has been increased compared to 5 years ago.
The debt/assets ratio for TLX has been reduced compared to a year ago.
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 84.38% of its industry peers.
TLX has a Debt/Equity ratio of 0.72. This is a neutral value indicating TLX is somewhat dependend on debt financing.
TLX has a Debt to Equity ratio of 0.72. This is in the lower half of the industry: TLX underperforms 62.50% 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 | 0.72 | ||
| 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
The Earnings Per Share has grown by an impressive 23.33% over the past year.
Measured over the past years, TLX shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.96% on average per year.
The Revenue has been growing slightly by 7.22% in the past year.
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)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
TLX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.89% yearly.
TLX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.63% yearly.
EPS Next Y11.74%
EPS Next 2Y9.46%
EPS Next 3Y8.39%
EPS Next 5Y2.89%
Revenue Next Year5.66%
Revenue Next 2Y5.86%
Revenue Next 3Y5.93%
Revenue Next 5Y8.63%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
TLX is valuated correctly with a Price/Earnings ratio of 13.70.
TLX's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of TLX to the average of the S&P500 Index (28.18), we can say TLX is valued rather cheaply.
TLX is valuated correctly with a Price/Forward Earnings ratio of 12.20.
TLX's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TLX is more expensive than 62.50% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.81. TLX is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.7 | ||
| Fwd PE | 12.2 |
4.2 Price Multiples
100.00% of the companies in the same industry are more expensive than TLX, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.21 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of TLX may justify a higher PE ratio.
PEG (NY)1.17
PEG (5Y)0.86
EPS Next 2Y9.46%
EPS Next 3Y8.39%
5. Dividend
5.1 Amount
TLX has a Yearly Dividend Yield of 2.68%.
Compared to an average industry Dividend Yield of 4.68, TLX is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.45, TLX has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.68% |
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 Years2
Div Non Decr Years5
5.3 Sustainability
TLX pays out 57.51% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of TLX 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%
FRA:TLX (5/5/2025, 12:16:36 PM)
104.95
+2.45 (+2.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners8.49%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap27.10B
Analysts52.31
Price Target96.54 (-8.01%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.68% |
Yearly Dividend4.4
Dividend Growth(5Y)7.68%
DP57.51%
Div Incr Years2
Div Non Decr Years5
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)9.09%
PT rev (3m)9.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.24%
EPS NY rev (3m)1.18%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.86%
Revenue NY rev (3m)-0.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.7 | ||
| Fwd PE | 12.2 | ||
| P/S | 0.6 | ||
| P/FCF | 3.21 | ||
| P/OCF | 3.21 | ||
| P/B | 2.32 | ||
| P/tB | 2.89 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.66
EY7.3%
EPS(NY)8.6
Fwd EY8.2%
FCF(TTM)32.65
FCFY31.11%
OCF(TTM)32.65
OCFY31.11%
SpS175.7
BVpS45.16
TBVpS36.31
PEG (NY)1.17
PEG (5Y)0.86
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 Year5.66%
Revenue Next 2Y5.86%
Revenue Next 3Y5.93%
Revenue Next 5Y8.63%
EBIT growth 1Y39.2%
EBIT growth 3Y32.8%
EBIT growth 5Y16.79%
EBIT Next Year11.9%
EBIT Next 3YN/A
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%