(TLX) Talanx - Overview
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: XETRA (Germany) | Market Cap: 26.753m EUR | Total Return: -1.8% in 12m
Life Insurance, Property Insurance, Reinsurance, Asset Management
Total Rating 33
Safety 30
Buy Signal -0.20
Insurance - Diversified
Industry Rotation: +4.0
Industry Rotation: +4.0
Market Cap:
31.1B
Avg Turnover: 13.9M
Avg Turnover: 13.9M
Risk 3d forecast
Volatility22.0%
VaR 5th Pctl3.73%
VaR vs Median2.77%
Reward TTM
Sharpe Ratio-0.16
Rel. Str. IBD29.1
Rel. Str. Peer Group23.3
Character TTM
Beta0.375
Beta Downside0.002
Hurst Exponent0.571
Drawdowns 3y
Max DD18.11%
CAGR/Max DD1.70
CAGR/Mean DD5.71
EPS (Earnings per Share)
EPS CAGR: 27.68%
EPS Trend: 78.8%
EPS Trend: 78.8%
Qual. Beats: 0
Revenue
Rev. CAGR: 10.86%
Rev. Trend: -14.2%
Rev. Trend: -14.2%
Last SUE: 0.48
Qual. Beats: 0
Qual. Beats: 0
Warnings
Choppy
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)
3.0
| Net Income: 2.48b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -0.59 > 1.0 |
| NWC/Revenue: 26.42% < 20% (prev -1.20%; Δ 27.62% < -1%) |
| CFO/TA 0.06 > 3% & CFO 11.95b > Net Income 2.48b |
| Net Debt (3.22b) to EBITDA (5.30b): 0.61 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (258.2m) vs 12m ago 0.24% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 27.97% > 50% (prev 13.78%; Δ 14.19% > 0%) |
| Interest Coverage Ratio: 22.17 > 6 (EBITDA TTM 5.30b / Interest Expense TTM 229.0m) |
Altman Z''
0.93
| A: 0.07 (Total Current Assets 13.82b - Total Current Liabilities 0.0) / Total Assets 193.71b |
| B: 0.06 (Retained Earnings 12.35b / Total Assets 193.71b) |
| C: 0.03 (EBIT TTM 5.08b / Avg Total Assets 187.07b) |
| D: 0.07 (Book Value of Equity 11.78b / Total Liabilities 172.82b) |
| Altman-Z'' Score: 0.93 = BB |
Beneish M
-0.49
| DSRI: 3.33 (Receivables 8.56b/1.22b, Revenue 52.33b/24.87b) |
| GMI: 0.90 (GM 100.0% / 90.32%) |
| AQI: 0.94 (AQ_t 0.92 / AQ_t-1 0.99) |
| SGI: 2.10 (Revenue 52.33b / 24.87b) |
| TATA: -0.05 (NI 2.48b - CFO 11.95b) / TA 193.71b) |
| Beneish M-Score: -0.49 (Cap -4..+1) = D |
What is the price of TLX shares?
As of May 18, 2026, the stock is trading at EUR 105.50 with a total of 125,300 shares traded.
Over the past week, the price has changed by -0.28%, over one month by -7.89%, over three months by +2.69% and over the past year by -1.75%.
Over the past week, the price has changed by -0.28%, over one month by -7.89%, over three months by +2.69% and over the past year by -1.75%.
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 14 May 2026
Market Cap USD = 31.10b (26.75b EUR * 1.1626 EUR.USD)P/E Trailing = 10.7917
P/E Forward = 9.8814
P/S = 0.6007
P/B = 2.0286
P/EG = 32.9287
Revenue TTM = 52.33b EUR
EBIT TTM = 5.08b EUR
EBITDA TTM = 5.30b EUR
Long Term Debt = 7.90b EUR (from longTermDebt, last quarter)
Short Term Debt = 1.73b EUR (from shortTermDebt, last quarter)
Debt = 8.48b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.22b EUR (from netDebt column, last quarter)
Enterprise Value = 29.97b EUR (26.75b + Debt 8.48b - CCE 5.26b)
Interest Coverage Ratio = 22.17 (Ebit TTM 5.08b / Interest Expense TTM 229.0m)
EV/FCF = 3.78x (Enterprise Value 29.97b / FCF TTM 7.92b)
FCF Yield = 26.42% (FCF TTM 7.92b / Enterprise Value 29.97b)
FCF Margin = 15.13% (FCF TTM 7.92b / Revenue TTM 52.33b)
Net Margin = 4.74% (Net Income TTM 2.48b / Revenue TTM 52.33b)
Gross Margin = unknown ((Revenue TTM 52.33b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.15 (Enterprise Value 29.97b / Total Assets 193.71b)
Interest Expense / Debt = 0.66% (Interest Expense 56.0m / Debt 8.48b)
Taxrate = 23.02% (265.0m / 1.15b)
NOPAT = 3.91b (EBIT 5.08b * (1 - 23.02%))
Current Ratio = unknown (Total Current Assets 13.82b / Total Current Liabilities 0.0)
Debt / Equity = 0.63 (Debt 8.48b / totalStockholderEquity, last quarter 13.47b)
Debt / EBITDA = 0.61 (Net Debt 3.22b / EBITDA 5.30b)
Debt / FCF = 0.41 (Net Debt 3.22b / FCF TTM 7.92b)
Total Stockholder Equity = 12.58b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.33% (Net Income 2.48b / Total Assets 193.71b)
RoE = 19.71% (Net Income TTM 2.48b / Total Stockholder Equity 12.58b)
RoCE = 24.79% (EBIT 5.08b / Capital Employed (Equity 12.58b + L.T.Debt 7.90b))
RoIC = 23.66% (NOPAT 3.91b / Invested Capital 16.51b)
WACC = 5.67% (E(26.75b)/V(35.23b) * Re(7.30%) + D(8.48b)/V(35.23b) * Rd(0.66%) * (1-Tc(0.23)))
Discount Rate = 7.30% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares (quarterly) Correlation: 0.0 | 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: 78.78 | EPS CAGR: 27.68% | SUE: N/A | # QB: 0
Revenue Correlation: -14.19 | Revenue CAGR: 10.86% | SUE: 0.48 | # QB: 0
EPS current Year (2026-12-31): EPS=10.70 | Chg30d=+0.12% | Revisions=+33% | GrowthEPS=+11.5% | GrowthRev=+3.6%
EPS next Year (2027-12-31): EPS=11.03 | Chg30d=+0.05% | Revisions=+33% | GrowthEPS=+3.1% | GrowthRev=+5.9%
[Analyst] Revisions Ratio: +33%