Talanx AG (TLX) AI Stock Analysis

• Market Cap: €27.53B
• Dividend Yield: 2.56%
• Average Volume (3M): 98.76K
• Price to Earnings (P/E): 12.2
• Beta (1Y): 0.96
• Revenue Growth: 6.51%
• EPS Growth: 22.56%
• Country: DE
• Employees: 29,357
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 2.98
• 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: €138.00
• Price Target Upside: 30.68% 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 ▲(13.64% 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.

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 primarily through its insurance operations, which include premiums collected from policyholders in both life and non-life insurance segments. The company earns money by underwriting insurance policies, where it collects premiums and pays out claims as necessary. Key revenue streams include property and casualty insurance premiums, life insurance premiums, and reinsurance agreements. Additionally, Talanx invests the funds received from premiums in various financial instruments, generating investment income. Significant partnerships with other financial institutions and brokers enhance its market reach and contribute to its earnings. The company's diversified portfolio and its ability to effectively manage risks also play a crucial role in ensuring sustainable profitability.

Talanx AG Financial Statement Overview

Summary

Talanx AG shows strong profitability and a stable balance sheet, with a robust equity position and manageable debt levels. However, fluctuations in cash flow from investing activities and a recent decrease in revenue require 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	24.42B	25.58B	44.98B	18.73B	43.73B	39.34B
Gross Profit	24.42B	27.60B	49.06B	19.84B	43.73B	30.15B
EBITDA	5.12B	5.11B	3.22B	3.04B	2.55B	1.61B
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	7.65B	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: Negative
• Last Price: 105.60
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:TLX, the sentiment is Negative. The current price of 105.6 is below the 20-day moving average (MA) of 107.86, below the 50-day MA of 110.43, and above the 200-day MA of 104.51, indicating a neutral trend. The MACD of -1.56 indicates Positive momentum. The RSI at 38.01 is Neutral, neither overbought nor oversold. The STOCH value of 56.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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	€29.93B	12.06	22.81%	3.62%	7.50%	22.49%
MUV2	71 Outperform	€70.16B	13.89	16.65%	3.75%	2.36%	-11.93%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TLX	67 Neutral	€27.53B	12.18	19.75%	2.56%	6.51%	22.56%
ALV	67 Neutral	€136.02B	13.82	―	4.38%	25.33%	12.54%
NBG6	65 Neutral	€1.38B	-165.06	-0.95%	0.12%	-1.28%	-153.13%
WUW	64 Neutral	€1.32B	38.68	―	4.67%	4.19%	-75.44%