TALANX AG (TLX.DE) Stock Fundamental Analysis
FRA:TLX - DE000TLX1005 - Common Stock
116.1 EUR
-1.7 (-1.44%)
We assign a fundamental rating of 5 out of 10 to TLX. TLX was compared to 36 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 decent growth rate and is not valued too expensively.
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.
TLX had positive earnings in each of the past 5 years.
TLX had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 1.27%, TLX perfoms like the industry average, outperforming 58.33% of the companies in the same industry.
Looking at the Return On Equity, with a value of 19.07%, TLX belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
TLX's Return On Invested Capital of 2.55% is amongst the best of the industry. TLX outperforms 80.56% of its industry peers.
The Average Return On Invested Capital over the past 3 years for TLX is in line with the industry average of 2.28%.
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
With a Profit Margin value of 4.59%, TLX is not doing good in the industry: 80.56% of the companies in the same industry are doing better.
TLX's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 11.43%, TLX is in line with its industry, outperforming 44.44% of the companies in the same 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
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.
Looking at the Debt to FCF ratio, with a value of 0.99, TLX belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
A Debt/Equity ratio of 0.66 indicates that TLX is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.66, TLX is not doing good in the industry: 63.89% of the companies in the same industry are doing better.
Even though the debt/equity ratio score it not favorable for TLX, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| 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
The Earnings Per Share has grown by an impressive 22.13% 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.
Looking at the last year, TLX 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
Based on estimates for the next years, TLX will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.64% on average per year.
The Revenue is expected to grow by 5.64% on average over the next years.
EPS Next Y15.25%
EPS Next 2Y11.75%
EPS Next 3Y10.39%
EPS Next 5Y9.64%
Revenue Next Year7.32%
Revenue Next 2Y6.85%
Revenue Next 3Y6.68%
Revenue Next 5Y5.64%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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
With a Price/Earnings ratio of 13.27, TLX is valued correctly.
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 (27.13), we can say TLX is valued rather cheaply.
With a Price/Forward Earnings ratio of 12.08, TLX is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TLX indicates a slightly more expensive valuation: TLX is more expensive than 66.67% of the companies listed in the same industry.
TLX is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.76, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.27 | ||
| Fwd PE | 12.08 |
4.2 Price Multiples
94.44% 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 | 3.78 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TLX's 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.
PEG (NY)0.87
PEG (5Y)0.83
EPS Next 2Y11.75%
EPS Next 3Y10.39%
5. Dividend
5.1 Amount
TLX has a Yearly Dividend Yield of 2.29%.
Compared to an average industry Dividend Yield of 4.47, TLX's dividend is way lower than its industry peers. On top of this 80.56% of the companies listed in the same industry pay a better dividend than TLX!
TLX's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.29% |
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
57.04% of the earnings are spent on dividend by TLX. 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 2Y11.75%
EPS Next 3Y10.39%
FRA:TLX (9/1/2025, 5:35:15 PM)
116.1
-1.7 (-1.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners7.77%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap29.98B
Analysts71.11
Price Target115.43 (-0.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.29% |
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)16.41%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.15%
EPS NY rev (3m)3.15%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.75%
Revenue NY rev (3m)5.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.27 | ||
| Fwd PE | 12.08 | ||
| P/S | 0.61 | ||
| P/FCF | 3.78 | ||
| P/OCF | 3.78 | ||
| P/B | 2.53 | ||
| P/tB | 3.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.75
EY7.54%
EPS(NY)9.61
Fwd EY8.28%
FCF(TTM)30.74
FCFY26.48%
OCF(TTM)30.74
OCFY26.48%
SpS190.53
BVpS45.89
TBVpS37.1
PEG (NY)0.87
PEG (5Y)0.83
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%
ROICexcg growth 3Y34.77%
ROICexcg 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 Y15.25%
EPS Next 2Y11.75%
EPS Next 3Y10.39%
EPS Next 5Y9.64%
Revenue 1Y (TTM)11.48%
Revenue growth 3Y2.14%
Revenue growth 5Y3.92%
Sales Q2Q%17.21%
Revenue Next Year7.32%
Revenue Next 2Y6.85%
Revenue Next 3Y6.68%
Revenue Next 5Y5.64%
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%