Talanx AG (TLX) AI Stock Analysis

• Market Cap: €29.53B
• Dividend Yield: 2.37%
• Average Volume (3M): 98.76K
• Price to Earnings (P/E): 11.9
• Beta (1Y): 0.93
• Revenue Growth: 3.70%
• EPS Growth: 24.02%
• Country: DE
• Employees: 29,357
• Sector: General
• Sector Strength: N/A
• Industry: Insurance - Diversified
• EPS (TTM): 2.00
• Shares Outstanding: 258,229,000
• 10 Day Avg. Volume: 108,935
• 30 Day Avg. Volume: 98,760
• PEG Ratio: 0.47
• Price to Book (P/B): 2.18
• Price to Sales (P/S): 0.51
• P/FCF Ratio: 3.71
• 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: €134.00
• Price Target Upside: 17.13% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): 10.67
• Revenue Forecast (FY): €50.97B

• Rating: 74 Outperform
• Price Target: €128.00 ▲(11.89% Upside)
• Action: Upgraded Date: 03/20/26
• Date: Action: Upgraded 03/20/26

The score is driven primarily by strong financial performance (improving earnings/returns, declining leverage, and robust cash generation). Valuation is supportive with a moderate P/E and a ~2.5% dividend yield. Technicals are only moderately positive, with the price still below longer-term moving averages and an elevated Stochastic suggesting momentum may be somewhat stretched.

Positive Factors

Strengthening balance sheet / lower leverage

A materially lower debt-to-equity ratio and rising equity improve capital resilience and regulatory headroom, reducing financing risk and increasing ability to absorb underwriting losses or support growth. This durable improvement enhances financial flexibility and long-term solvency metrics.

Negative Factors

Revenue volatility

Significant swings and a sharp 2025 step-up in reported revenue make future top-line predictability harder, complicating pricing, reserve-setting and capital planning. Persistent volatility can undermine sustainable underwriting strategies and forecasts over the medium term.

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 householde...

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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 householde...

How the Company Makes Money

Talanx makes money primarily through (1) insurance underwriting, (2) reinsurance underwriting, and (3) investment income on assets backing insurance liabilities and equity. 1) Primary insurance underwriting (premiums minus claims and expenses) - ...

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Talanx makes money primarily through (1) insurance underwriting, (2) reinsurance underwriting, and (3) investment income on assets backing insurance liabilities and equity. 1) Primary insurance underwriting (premiums minus claims and expenses) - ...

Talanx AG Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	23.20B	57.27B	25.58B	19.23B	18.73B	43.13B
Gross Profit	23.20B	57.27B	27.40B	20.35B	19.66B	33.69B
EBITDA	5.17B	5.42B	5.11B	3.22B	2.91B	2.67B
Net Income	2.26B	2.48B	1.98B	1.58B	706.00M	1.01B
Balance Sheet
Total Assets	177.29B	193.71B	180.42B	168.53B	193.13B	197.52B
Cash, Cash Equivalents and Short-Term Investments	120.02B	5.26B	123.34B	5.10B	95.53B	106.21B
Total Debt	7.84B	8.48B	8.90B	9.11B	9.78B	7.73B
Total Liabilities	159.04B	172.82B	161.92B	151.73B	180.54B	179.58B
Stockholders Equity	11.85B	13.47B	11.66B	10.45B	8.64B	10.78B
Cash Flow
Free Cash Flow	0.00	7.92B	8.43B	7.63B	5.77B	8.38B
Operating Cash Flow	0.00	8.37B	8.43B	8.10B	5.97B	10.05B
Investing Cash Flow	0.00	-5.76B	-6.79B	-5.03B	-6.86B	-10.06B
Financing Cash Flow	0.00	-2.02B	-1.58B	-1.49B	521.00M	428.00M

Talanx AG Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 114.40
• 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 114.4 is above the 20-day moving average (MA) of 107.66, above the 50-day MA of 106.87, and above the 200-day MA of 110.65, indicating a bullish trend. The MACD of 1.81 indicates Negative momentum. The RSI at 66.52 is Neutral, neither overbought nor oversold. The STOCH value of 93.54 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
TLX	74 Outperform	€29.53B	11.85	19.71%	2.37%	3.70%	24.02%
HNR1	74 Outperform	€32.89B	12.16	21.53%	3.37%	2.57%	9.75%
MUV2	74 Outperform	€71.78B	11.92	18.94%	3.56%	0.48%	11.17%
ALV	71 Outperform	€142.88B	13.65	17.77%	3.94%	25.33%	12.54%
NBG6	65 Neutral	€1.38B	3.11	-0.98%	0.12%	-1.28%	-153.13%
Sector *	55 Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
WUW	50 Neutral	€1.38B	11.26	2.43%	4.49%	4.19%	-75.44%