Talanx AG (TLX) AI Stock Analysis

• Market Cap: €28.07B
• Dividend Yield: 2.16%
• Average Volume (3M): 129.89K
• Price to Earnings (P/E): 14.0
• Beta (1Y): 0.92
• Revenue Growth: 7.42%
• EPS Growth: 15.61%
• Country: DE
• Employees: 29,357
• Sector: Financial
• Sector Strength: 79
• Industry: Insurance - Diversified
• EPS (TTM): 2.34
• Shares Outstanding: 258,229,000
• 10 Day Avg. Volume: 119,321
• 30 Day Avg. Volume: 129,893
• PEG Ratio: 0.05
• Price to Book (P/B): 1.10
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 1.75
• 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: €120.00
• Price Target Upside: 10.40% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 76 Outperform
• Price Target: €130.00 ▲(19.60%Upside)

Talanx AG shows solid financial performance with strong profitability and stable balance sheet, complemented by positive technical indicators suggesting strong market momentum. Valuation metrics are reasonable, providing a balanced investment case. Attention is needed on revenue and cash flow trends for future financial sustainability.

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 the collection of insurance premiums and investment income. The company's revenue streams are diversified across its business segments. In the Retail Germany and Retail International segments, Talanx earns money by offering life and non-life insurance products to individual and small business clients. Premiums collected from these products are a major source of income. The Industrial Lines segment focuses on providing tailored insurance solutions to large corporations, including coverage for complex risks, which also contributes significantly to the company's earnings through premium income. Additionally, Talanx's Reinsurance segment provides reinsurance solutions, allowing the company to earn reinsurance premiums from other insurance companies seeking to mitigate their risk exposure. Investment income is another crucial revenue stream, as Talanx invests the premiums collected in various financial instruments to generate returns. The company's earnings are further supported by strategic partnerships and a strong presence in multiple international markets, which help diversify its risk and enhance its revenue potential.

Talanx AG Financial Statement Overview

Summary

Talanx AG demonstrates strong profitability with robust balance sheet metrics. The income statement shows stable gross profit margins and a positive net profit margin trend. However, attention is needed on revenue decrease and fluctuations in investing cash flow.

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	65.72B	25.58B	44.98B	48.99B	43.13B	39.14B
Gross Profit	63.31B	25.58B	49.06B	48.99B	43.13B	39.14B
EBITDA	-29.00M	5.11B	3.32B	3.04B	2.55B	1.67B
Net Income	1.89B	1.98B	1.58B	2.46B	1.73B	1.20B
Balance Sheet
Total Assets	178.90B	180.42B	168.53B	193.13B	197.52B	181.04B
Cash, Cash Equivalents and Short-Term Investments	0.00	123.34B	5.10B	95.53B	106.21B	97.74B
Total Debt	0.00	8.79B	9.11B	9.53B	7.65B	6.19B
Total Liabilities	160.60B	161.92B	152.55B	180.54B	179.58B	163.91B
Stockholders Equity	11.40B	11.66B	10.45B	7.46B	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	-7.00B	-10.06B	-5.22B
Financing Cash Flow	0.00	-1.58B	-1.49B	565.00M	428.00M	-1.03B

Talanx AG Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 108.70
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 108.7 is below the 20-day moving average (MA) of 111.86, above the 50-day MA of 106.95, and above the 200-day MA of 86.74, indicating a neutral trend. The MACD of -0.03 indicates Positive momentum. The RSI at 45.91 is Neutral, neither overbought nor oversold. The STOCH value of 19.74 is Positive, 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	76 Outperform	€28.07B	13.97	17.10%	2.16%	7.42%	15.61%
Sector *	67 Neutral	$16.51B	11.23	9.71%	3.96%	11.61%	-10.70%
0M6S		€130.67B	13.34	16.56%	4.52%	―	―
0M9A		€32.10B	14.32	19.63%	2.62%	―	―
0KFE		€72.04B	13.06	18.25%	3.10%	―	―
0GJN		€1.27B	37.74	0.69%	4.13%	―	―
NBG6	65 Neutral	€578.30M	―	-8.82%	0.24%	3.71%	-288.17%