Talanx AG (TLX) AI Stock Analysis

• Market Cap: €28.33B
• Dividend Yield: 2.46%
• Average Volume (3M): 99.35K
• Price to Earnings (P/E): 14.1
• Beta (1Y): 0.89
• Revenue Growth: 7.42%
• EPS Growth: 15.61%
• Country: DE
• Employees: 29,357
• Sector: Financial
• Sector Strength: 73
• Industry: Insurance - Diversified
• EPS (TTM): 2.34
• Shares Outstanding: 258,229,000
• 10 Day Avg. Volume: 83,878
• 30 Day Avg. Volume: 99,348
• PEG Ratio: 9.18
• Price to Book (P/B): 2.35
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: 8.50% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 76 Outperform
• Price Target: €130.00 ▲(17.54%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 from its diverse portfolio of insurance products across its retail, industrial, and reinsurance segments. The retail segment focuses on standard insurance products for individuals and small businesses, while the industrial insurance segment offers specialized coverage for larger corporate clients. The reinsurance segment, operated through its subsidiary Hannover Re, is a significant contributor to the company's income, providing reinsurance solutions globally. Additionally, Talanx invests the collected premiums in various financial markets, generating investment income that contributes to its overall earnings. Strategic partnerships with financial institutions and other insurance providers further enhance its revenue streams by expanding its market reach and product offerings.

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	38.63B	25.58B	44.98B	48.99B	43.13B	39.14B
Gross Profit	36.22B	27.60B	49.06B	48.99B	43.13B	39.14B
EBITDA	3.08B	5.11B	3.32B	3.04B	2.55B	1.67B
Net Income	2.01B	1.98B	1.58B	2.46B	1.73B	1.20B
Balance Sheet
Total Assets	180.50B	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	8.90B	9.11B	9.53B	7.65B	6.19B
Total Liabilities	161.20B	161.92B	152.55B	180.54B	179.58B	163.91B
Stockholders Equity	12.30B	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: 110.60
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 Positive. The current price of 110.6 is above the 20-day moving average (MA) of 109.64, below the 50-day MA of 110.81, and above the 200-day MA of 89.48, indicating a neutral trend. The MACD of 0.29 indicates Negative momentum. The RSI at 51.82 is Neutral, neither overbought nor oversold. The STOCH value of 57.82 is Neutral, 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	€28.33B	14.10	17.10%	2.46%	7.42%	15.61%
Sector *	67 Neutral	$16.64B	11.61	9.79%	3.78%	11.89%	-8.13%
0M6S	―	€130.59B	13.32	16.56%	4.53%	―	―
0M9A	―	€31.64B	14.10	19.63%	3.42%	―	―
0KFE	―	€73.27B	13.19	18.25%	3.03%	―	―
0GJN	―	€1.29B	37.91	0.69%	4.72%	―	―
NBG6	65 Neutral	€589.82M	―	-8.82%	0.28%	3.71%	-288.17%