(TLX) Talanx - Ratings and Ratios
Insurance, Reinsurance, Life, Casualty, Liability, Property
TLX EPS (Earnings per Share)
TLX Revenue
Description: TLX Talanx
Talanx AG is a global insurance and reinsurance provider offering a diverse range of products, including life, casualty, liability, and property insurance, as well as bancassurance, unit-linked life insurance, and annuity products. The companys extensive portfolio also includes coverage for emerging risks such as cyber and digital risks, and parametric solutions.
From a financial perspective, Talanx AG has demonstrated a strong return on equity (RoE) of 17.32%, indicating effective utilization of shareholder capital. The companys price-to-earnings (P/E) ratio of 14.33 and forward P/E of 13.26 suggest a relatively stable earnings outlook. With a market capitalization of approximately 28.85 billion EUR, Talanx AG is a significant player in the European insurance industry.
To further evaluate Talanx AGs performance, additional key performance indicators (KPIs) such as the combined ratio, loss ratio, and expense ratio could be examined. A combined ratio below 100% would indicate profitable underwriting, while a low loss ratio would suggest effective risk management. The companys dividend yield and payout ratio could also be analyzed to assess its ability to generate returns for shareholders.
From a growth perspective, Talanx AGs expansion into emerging markets and its development of innovative insurance products, such as cyber and digital risk coverage, could be seen as positive drivers. The companys asset management business and facultative and nat cat reinsurance operations also contribute to its diversified revenue streams. A review of Talanx AGs revenue growth rate, gross written premium growth, and new business margins could provide further insights into its growth prospects.
TLX Stock Overview
| Market Cap in USD | 35,854m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception |
TLX Stock Ratings
| Growth Rating | 98.0% |
| Fundamental | 54.8% |
| Dividend Rating | 77.4% |
| Return 12m vs S&P 500 | 33.7% |
| Analyst Rating | - |
TLX Dividends
| Dividend Yield 12m | 2.65% |
| Yield on Cost 5y | 10.47% |
| Annual Growth 5y | 9.39% |
| Payout Consistency | 99.6% |
| Payout Ratio | 30.9% |
TLX Growth Ratios
| Growth Correlation 3m | 74.4% |
| Growth Correlation 12m | 95.9% |
| Growth Correlation 5y | 97.5% |
| CAGR 5y | 35.04% |
| CAGR/Max DD 5y | 1.64 |
| Sharpe Ratio 12m | 0.41 |
| Alpha | 41.59 |
| Beta | 0.629 |
| Volatility | 20.07% |
| Current Volume | 88.2k |
| Average Volume 20d | 78.4k |
| Stop Loss | 114.2 (-3.1%) |
| Signal | -0.14 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (2.26b TTM) > 0 and > 6% of Revenue (6% = 1.68b TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA 0.37pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1.07% (prev 7.77%; Δ -8.84pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.05 (>3.0%) and CFO 8.43b > Net Income 2.26b (YES >=105%, WARN >=100%) |
| Net Debt (2.53b) to EBITDA (1.24b) ratio: 2.05 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.80 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (258.2m) change vs 12m ago 0.0% (target <= -2.0% for YES) |
| Gross Margin -30.63% (prev 95.40%; Δ -126.0pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 15.90% (prev 30.06%; Δ -14.16pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 3.90 (EBITDA TTM 1.24b / Interest Expense TTM 330.0m) >= 6 (WARN >= 3) |
Altman Z'' 0.31
| (A) -0.00 = (Total Current Assets 1.22b - Total Current Liabilities 1.52b) / Total Assets 177.29b |
| (B) 0.06 = Retained Earnings (Balance) 10.97b / Total Assets 177.29b |
| (C) 0.01 = EBIT TTM 1.29b / Avg Total Assets 175.63b |
| (D) 0.06 = Book Value of Equity 10.17b / Total Liabilities 159.04b |
| Total Rating: 0.31 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 54.76
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield -10.39% = -5.0 |
| 3. FCF Margin 30.19% = 7.50 |
| 4. Debt/Equity 0.69 = 2.27 |
| 5. Debt/Ebitda 6.58 = -2.50 |
| 6. ROIC - WACC -1.10% = -1.38 |
| 7. RoE 19.15% = 1.60 |
| 8. Rev. Trend -26.62% = -1.33 |
| 9. Rev. CAGR 6.89% = 0.86 |
| 10. EPS Trend 9.76% = 0.24 |
| 11. EPS CAGR 26.32% = 2.50 |
What is the price of TLX shares?
Over the past week, the price has changed by -2.32%, over one month by +2.08%, over three months by +2.88% and over the past year by +56.41%.
Is Talanx a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TLX is around 151.56 EUR . This means that TLX is currently undervalued and has a potential upside of +28.66% (Margin of Safety).
Is TLX a buy, sell or hold?
What are the forecasts/targets for the TLX price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 104.4 | -11.4% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 166.4 | 41.3% |
TLX Fundamental Data Overview
Market Cap EUR = 30.78b (30.78b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 120.02b EUR (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.6073
P/E Forward = 14.43
P/S = 0.6799
P/B = 2.6169
P/EG = 1.5195
Beta = 0.656
Revenue TTM = 27.93b EUR
EBIT TTM = 1.29b EUR
EBITDA TTM = 1.24b EUR
Long Term Debt = 7.84b EUR (from longTermDebt, last quarter)
Short Term Debt = 293.0m EUR (from shortTermDebt, last fiscal year)
Debt = 8.13b EUR (Calculated: Short Term 293.0m + Long Term 7.84b)
Net Debt = 2.53b EUR (from netDebt column, last quarter)
Enterprise Value = -81.11b EUR (30.78b + Debt 8.13b - CCE 120.02b)
Interest Coverage Ratio = 3.90 (Ebit TTM 1.29b / Interest Expense TTM 330.0m)
FCF Yield = -10.39% (FCF TTM 8.43b / Enterprise Value -81.11b)
FCF Margin = 30.19% (FCF TTM 8.43b / Revenue TTM 27.93b)
Net Margin = 8.09% (Net Income TTM 2.26b / Revenue TTM 27.93b)
Gross Margin = -30.63% ((Revenue TTM 27.93b - Cost of Revenue TTM 36.49b) / Revenue TTM)
Tobins Q-Ratio = -7.98 (set to none) (Enterprise Value -81.11b / Book Value Of Equity 10.17b)
Interest Expense / Debt = 1.41% (Interest Expense 115.0m / Debt 8.13b)
Taxrate = 29.91% (from yearly Income Tax Expense: 1.40b / 4.69b)
NOPAT = 902.8m (EBIT 1.29b * (1 - 29.91%))
Current Ratio = 0.80 (Total Current Assets 1.22b / Total Current Liabilities 1.52b)
Debt / Equity = 0.69 (Debt 8.13b / last Quarter total Stockholder Equity 11.85b)
Debt / EBITDA = 6.58 (Net Debt 2.53b / EBITDA 1.24b)
Debt / FCF = 0.96 (Debt 8.13b / FCF TTM 8.43b)
Total Stockholder Equity = 11.80b (last 4 quarters mean)
RoA = 1.27% (Net Income 2.26b, Total Assets 177.29b )
RoE = 19.15% (Net Income TTM 2.26b / Total Stockholder Equity 11.80b)
RoCE = 6.56% (Ebit 1.29b / (Equity 11.80b + L.T.Debt 7.84b))
RoIC = 5.69% (NOPAT 902.8m / Invested Capital 15.85b)
WACC = 6.80% (E(30.78b)/V(38.91b) * Re(8.33%)) + (D(8.13b)/V(38.91b) * Rd(1.41%) * (1-Tc(0.30)))
Shares Correlation 5-Years: 82.10 | Cagr: 0.53%
Discount Rate = 8.33% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.85% ; FCFE base≈8.11b ; Y1≈7.90b ; Y5≈7.95b
Fair Price DCF = 518.6 (DCF Value 133.92b / Shares Outstanding 258.2m; 5y FCF grow -3.72% → 3.0% )
Revenue Correlation: -26.62 | Revenue CAGR: 6.89%
Rev Growth-of-Growth: -37.10
EPS Correlation: 9.76 | EPS CAGR: 26.32%
EPS Growth-of-Growth: 37.04