(TLX) Talanx - Overview
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: XETRA (Germany) | Market Cap: 27.243m EUR | Total Return: -1.1% in 12m
Life Insurance, Property Insurance, Reinsurance, Asset Management
Total Rating 48
Safety 85
Buy Signal -0.31
Insurance - Diversified
Industry Rotation: +1.2
Industry Rotation: +1.2
Market Cap:
31.7B
Avg Turnover: 13.9M
Avg Turnover: 13.9M
Risk 3d forecast
Volatility21.5%
VaR 5th Pctl3.65%
VaR vs Median2.90%
Reward TTM
Sharpe Ratio-0.14
Rel. Str. IBD31.6
Rel. Str. Peer Group23.3
Character TTM
Beta0.371
Beta Downside0.002
Hurst Exponent0.542
Drawdowns 3y
Max DD18.11%
CAGR/Max DD1.74
CAGR/Mean DD5.83
EPS (Earnings per Share)
EPS CAGR: 18.43%
EPS Trend: 92.7%
EPS Trend: 92.7%
Qual. Beats: 0
Revenue
Rev. CAGR: 21.90%
Rev. Trend: 41.8%
Rev. Trend: 41.8%
Last SUE: 0.03
Qual. Beats: 0
Qual. Beats: 0
Warnings
Choppy Below Avwap Earnings
Tailwinds
No distinct edge detected
Description: TLX Talanx
Talanx AG is a Germany-based global provider of insurance and reinsurance services, operating across primary insurance, industrial lines, and asset management. Founded in 1903 and headquartered in Hanover, the company maintains a diverse portfolio that includes life, casualty, property, and specialty products such as cyber and space insurance. Its business model is characterized by a strong bancassurance presence and a multi-brand strategy, serving retail and corporate clients across Europe, the Americas, Asia, and Africa.
As a multi-line insurer, Talanx benefits from diversified revenue streams that balance stable primary insurance premiums with the higher-volatility, higher-margin nature of global reinsurance. The group operates under a decentralized structure, allowing its various subsidiaries to maintain local market expertise while leveraging the capital strength of the parent organization. For a deeper look into the companys valuation metrics, consider reviewing the latest data on ValueRay.
- Hannover Re majority stake performance dictates group dividend and net income growth
- Primary insurance margin expansion in Latin American markets scales international revenue
- Natural catastrophe loss frequency impacts property and casualty underwriting profitability
- Rising interest rates improve investment income yields for life insurance portfolios
- Integration of high-growth specialty insurance lines diversifies corporate risk exposure
Piotroski VR‑10 (Strict)
5.0
| Net Income: 2.65b TTM > 0 and > 6% of Revenue |
| FCF/TA: 43.10 > 0.02 and ΔFCF/TA 4.31k > 1.0 |
| NWC/Revenue: 0.02% < 20% (prev -1.22%; Δ 1.24% < -1%) |
| CFO/TA 65.06 > 3% & CFO 11.95b > Net Income 2.65b |
| Net Debt (3.22b) to EBITDA (5.64b): 0.57 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (258.2m) vs 12m ago 0.00% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 59.28% > 50% (prev 13.58%; Δ 45.70% > 0%) |
| Interest Coverage Ratio: 22.82 > 6 (EBITDA TTM 5.64b / Interest Expense TTM 237.0m) |
Altman Z''
10.00
| A: 0.05 (Total Current Assets 8.50m - Total Current Liabilities 0.0) / Total Assets 183.7m |
| B: 67.22 (Retained Earnings 12.35b / Total Assets 183.7m) |
| C: 0.06 (EBIT TTM 5.41b / Avg Total Assets 90.34b) |
| D: 72.96 (Book Value of Equity 11.78b / Total Liabilities 161.5m) |
| Altman-Z'' Score: 296.5 = AAA |
Beneish M
-4.00
| DSRI: 0.00 (Receivables 8.50m/1.22b, Revenue 53.56b/24.51b) |
| GMI: 0.90 (GM 100.0% / 90.18%) |
| AQI: -3.87 (AQ_t -3.83 / AQ_t-1 0.99) |
| SGI: 2.19 (Revenue 53.56b / 24.51b) |
| TATA: -50.64 (NI 2.65b - CFO 11.95b) / TA 183.7m) |
| Beneish M-Score: -58.09 (Cap -4..+1) = AAA |
What is the price of TLX shares?
As of May 22, 2026, the stock is trading at EUR 109.30 with a total of 87,854 shares traded.
Over the past week, the price has changed by +5.50%, over one month by -4.57%, over three months by +3.94% and over the past year by -1.06%.
Over the past week, the price has changed by +5.50%, over one month by -4.57%, over three months by +3.94% and over the past year by -1.06%.
Is TLX a buy, sell or hold?
Talanx has no consensus analysts rating.
What are the forecasts/targets for the TLX price?
| Analysts Target Price | - | - |
Talanx (TLX) - Fundamental Data Overview
as of 19 May 2026
Market Cap USD = 31.67b (27.24b EUR * 1.1625 EUR.USD)P/E Trailing = 10.2927
P/E Forward = 9.8814
P/S = 0.5998
P/B = 2.0286
P/EG = 32.9287
Revenue TTM = 53.56b EUR
EBIT TTM = 5.41b EUR
EBITDA TTM = 5.64b EUR
Long Term Debt = 7.90b EUR (from longTermDebt, last fiscal year)
Short Term Debt = 1.73b EUR (from shortTermDebt, last fiscal year)
Debt = 8.48b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 3.22b EUR (from netDebt column, last fiscal year)
Enterprise Value = 30.46b EUR (27.24b + Debt 8.48b - CCE 5.26b)
Interest Coverage Ratio = 22.82 (Ebit TTM 5.41b / Interest Expense TTM 237.0m)
EV/FCF = 3.85x (Enterprise Value 30.46b / FCF TTM 7.92b)
FCF Yield = 26.00% (FCF TTM 7.92b / Enterprise Value 30.46b)
FCF Margin = 14.78% (FCF TTM 7.92b / Revenue TTM 53.56b)
Net Margin = 4.95% (Net Income TTM 2.65b / Revenue TTM 53.56b)
Gross Margin = unknown ((Revenue TTM 53.56b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 165.8 (set to none) (Enterprise Value 30.46b / Total Assets 183.7m)
Interest Expense / Debt = 0.73% (Interest Expense 62.0m / Debt 8.48b)
Taxrate = 25.64% (398.0m / 1.55b)
NOPAT = 4.02b (EBIT 5.41b * (1 - 25.64%))
Current Ratio = unknown (Total Current Assets 8.50m / Total Current Liabilities 0.0)
Debt / Equity = 592.7 (Debt 8.48b / totalStockholderEquity, last quarter 14.3m)
Debt / EBITDA = 0.57 (Net Debt 3.22b / EBITDA 5.64b)
Debt / FCF = 0.41 (Net Debt 3.22b / FCF TTM 7.92b)
Total Stockholder Equity = 9.51b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.93% (Net Income 2.65b / Total Assets 183.7m)
RoE = 27.86% (Net Income TTM 2.65b / Total Stockholder Equity 9.51b)
RoCE = 31.07% (EBIT 5.41b / Capital Employed (Equity 9.51b + L.T.Debt 7.90b))
RoIC = 22.44% (NOPAT 4.02b / Invested Capital 17.92b)
WACC = 5.69% (E(27.24b)/V(35.72b) * Re(7.29%) + D(8.48b)/V(35.72b) * Rd(0.73%) * (1-Tc(0.26)))
Discount Rate = 7.29% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares (quarterly) Correlation: 14.91 | Cagr: 0.0%
[DCF] Terminal Value 86.07% ; FCFF base≈8.12b ; Y1≈7.91b ; Y5≈7.96b
[DCF] Fair Price = 906.0 (EV 237.17b - Net Debt 3.22b = Equity 233.95b / Shares 258.2m; r=6.0% [WACC]; 5y FCF grow -3.72% → 3.0% )
EPS Correlation: 92.73 | EPS CAGR: 18.43% | SUE: N/A | # QB: 0
Revenue Correlation: 41.80 | Revenue CAGR: 21.90% | SUE: 0.03 | # QB: 0
EPS current Year (2026-12-31): EPS=10.73 | Chg30d=+0.37% | Revisions=+33% | GrowthEPS=+11.8% | GrowthRev=+5.7%
EPS next Year (2027-12-31): EPS=11.04 | Chg30d=+0.12% | Revisions=+33% | GrowthEPS=+2.9% | GrowthRev=+3.7%
[Analyst] Revisions Ratio: +33%