Talanx AG (TLX) AI Stock Analysis

• Market Cap: €29.12B
• Dividend Yield: 2.39%
• Average Volume (3M): 98.76K
• Price to Earnings (P/E): 12.4
• Beta (1Y): 0.96
• Revenue Growth: 3.70%
• EPS Growth: 24.02%
• Country: DE
• Employees: 29,357
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 2.29
• Shares Outstanding: 258,229,000
• 10 Day Avg. Volume: 108,935
• 30 Day Avg. Volume: 98,760
• PEG Ratio: 0.46
• Price to Book (P/B): 1.82
• Price to Sales (P/S): 0.83
• P/FCF Ratio: 2.52
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €143.00
• Price Target Upside: 26.77% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: €120.00 ▲(6.38% Upside)

Talanx AG's overall score is driven by its solid financial performance and reasonable valuation. However, technical indicators suggest weak momentum, which impacts the overall attractiveness of the stock.

Positive Factors

Strong Profitability

The company's strong profitability and stable balance sheet indicate effective financial management and resilience, supporting long-term growth.

Robust Balance Sheet

A strong balance sheet with manageable debt enhances financial stability and provides a cushion against economic fluctuations, ensuring durability.

Effective Cost Management

Effective cost management leading to improved net profit margins supports sustainable profitability and competitive positioning in the market.

Negative Factors

Revenue Decrease

A decrease in revenue could signal challenges in market demand or competitive pressures, potentially impacting long-term growth if not addressed.

Fluctuating Cash Flow

Inconsistent cash flow from investing activities may affect liquidity and the ability to fund future investments, posing a risk to financial stability.

Lack of Revenue Growth

Stagnant or declining revenue growth can hinder the company's ability to expand and compete effectively, affecting long-term strategic objectives.

Talanx AG Business Overview & Revenue Model

Company Description

Talanx AG provides insurance and reinsurance products and services worldwide. The company offers life, casualty, liability, motor, aviation, legal protection, fire, burglary and theft, water damage, plate glass, windstorm, comprehensive householders, comprehensive home-owners, hail, livestock, engineering, omnium, marine, business interruption, travel assistance, aviation and space liability, financial lines, and other property insurance, as well as coverage for fire and fire loss of profits insurance. It also provides bancassurance products; unit linked life insurance, annuity and risk insurance, and long term and occupational disability insurance products; personal accident insurance; and Sharia-compliant retakaful reinsurance products. The company offers property and casualty, marine and aviation, credit/surety, agriculture, structured, and life and health reinsurance, as well as engages in the facultative and nat cat, and asset management businesses. The company was founded in 1996 and is based in Hanover, Germany. Talanx AG operates as a subsidiary of HDI Haftpflichtverband der Deutschen Industrie Versicherungsverein auf Gegenseitigkeit.

How the Company Makes Money

Talanx AG generates revenue through multiple streams, primarily from underwriting insurance premiums across its various segments. In property and casualty insurance, the company collects premiums from policyholders and pays out claims based on risk assessments and actuarial evaluations. Additionally, the life insurance segment contributes to revenue through premiums collected on life policies and investment income generated from the management of these funds. Reinsurance operations provide further revenue, where Talanx takes on risk from other insurers and earns premiums in return. The company also benefits from investment income derived from its substantial asset portfolio, which includes investments in equities, bonds, and real estate. Strategic partnerships with other financial institutions and a focus on expanding its presence in emerging markets further enhance Talanx's revenue potential.

Talanx AG Financial Statement Overview

Summary

Talanx AG shows strong profitability with a stable balance sheet and positive cash flow. However, revenue decline and cash flow fluctuations from investing activities warrant attention.

Income Statement

Talanx AG demonstrates a stable income profile with strong gross profit margins, consistently maintaining profitability over the years. The net profit margin shows an upward trend, indicating effective cost management. However, the recent decrease in revenue could be concerning if it continues.

Balance Sheet

The balance sheet is robust, with a strong equity position and manageable debt levels, as reflected in a favorable debt-to-equity ratio. The company has maintained a healthy equity ratio, showcasing financial stability. These factors provide a good cushion against potential financial fluctuations.

Cash Flow

Cash flow performance is solid, with consistent positive free cash flow and a supportive operating cash flow to net income ratio. Nonetheless, there are fluctuations in cash flow from investing activities which could impact future liquidity. Monitoring these trends will be crucial.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	23.20B	25.58B	19.23B	18.73B	43.13B	39.14B
Gross Profit	23.20B	27.40B	20.35B	19.66B	33.69B	29.98B
EBITDA	5.17B	5.11B	3.22B	2.91B	2.67B	1.84B
Net Income	2.26B	1.98B	1.58B	706.00M	1.01B	648.00M
Balance Sheet
Total Assets	177.29B	180.42B	168.53B	193.13B	197.52B	181.04B
Cash, Cash Equivalents and Short-Term Investments	120.02B	123.34B	5.10B	95.53B	106.21B	97.74B
Total Debt	7.84B	8.90B	9.11B	9.78B	7.73B	6.19B
Total Liabilities	159.04B	161.92B	151.73B	180.54B	179.58B	163.91B
Stockholders Equity	11.85B	11.66B	10.45B	8.64B	10.78B	10.39B
Cash Flow
Free Cash Flow	0.00	8.43B	7.63B	5.77B	8.38B	5.87B
Operating Cash Flow	0.00	8.43B	8.10B	5.97B	10.05B	6.32B
Investing Cash Flow	0.00	-6.79B	-5.03B	-6.86B	-10.06B	-5.01B
Financing Cash Flow	0.00	-1.58B	-1.49B	521.00M	428.00M	-1.03B

Talanx AG Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 112.80
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:TLX, the sentiment is Positive. The current price of 112.8 is above the 20-day moving average (MA) of 110.62, above the 50-day MA of 109.40, and above the 200-day MA of 108.53, indicating a bullish trend. The MACD of 0.64 indicates Negative momentum. The RSI at 59.26 is Neutral, neither overbought nor oversold. The STOCH value of 94.20 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:TLX.

Talanx AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HNR1	74 Outperform	€31.74B	12.85	21.34%	3.42%	2.57%	9.75%
MUV2	71 Outperform	€72.61B	11.80	19.40%	3.60%	0.48%	11.17%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TLX	67 Neutral	€29.12B	12.40	19.49%	2.39%	3.70%	24.02%
ALV	67 Neutral	€147.50B	15.21	―	3.95%	25.33%	12.54%
NBG6	65 Neutral	€1.38B	-165.06	-0.95%	0.12%	-1.28%	-153.13%
WUW	64 Neutral	€1.33B	39.12	―	4.58%	4.19%	-75.44%