Stock · TLX.DE · Financial Services
Germany · Large Cap · Revenue 12 mo. €68.7B
Price as of 11/06/2026
Talanx AG provides insurance and reinsurance products and services worldwide.
Talanx AG provides insurance and reinsurance products and services worldwide. The company offers life, casualty, third-party liability, space insurance, legal protection, fire, burglary and theft, tap water, plate glass, storm damage, comprehensive householders, comprehensive homeowners, hail, livestock, engineering, omnium, marine, business interruption, travel assistance, aviation and space liability, credit and surety, extended coverage, fire and fire business interruption insurance products, other property, and other non-life products. It also provides bancassurance activities; motor, life and property, fire, casualty, health, personal accident, and specialty insurance products, unit-linked life, annuity, term life, occupation disability; aviation and agricultural business; coverage for cyber and digital risks; parametric solutions; and structured reinsurance, as well as facultative and nat cat business; and asset management businesses. In addition, the company offers insurance cover, as well as customized products; and financial services. It has operations in Germany, the United Kingdom, Türkiye, Central and Eastern Europe, Rest of Europe, the United States, Rest of North America, Latin America, Asia, Australia, and Africa. The company was founded in 1903 and is based in Hanover, Germany. Talanx AG is a subsidiary of HDI Haftpflichtverband der Deutschen Industrie V.a.G.
Original text from the data provider
Summary
67.7 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €13.3B, market value €33.2B (P/B 2.5). At a 9% discount rate, the premium over book value only pays off with a lasting 22.4% return on equity.
Required return on equity per year
22.4%
no perpetual growth
Price to book 2.49×, above its usual range.
Middle half of 20 quarters: 1.23× to 1.99×, median 1.65×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q1 → Q2 2026
1 more unchanged: Shares outstanding
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 18.41% | 12.46% | Rank 78 |
| Return on capital (Greenblatt)does not count towards the rank | – | 59.04% | |
| EBIT margin | 8.86% | 23.06% | Rank 11 |
| FCF margin | 13.83% | 19.82% | Rank 35 |
| Gross margin | 100.00% | 65.53% | Rank 93 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 123.92% | 7.39% | Rank 95 |
| Earnings growth, 3 years per year | 50.98% | 15.20% | Rank 91 |
| Earnings growth, 5 years per year | 30.22% | 15.17% | Rank 82 |
| Sustainable growth (ROE × retained earnings) | 0.79% | 1.25% | Rank 37 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 7.39% | 6.47% | Rank 64 |
| FCF yield | 23.85% | 7.16% | Rank 89 |
| EV/saleslower is better | 0.64 | 2.82 | Rank 81 |
| EV/EBITlower is better | 7.18 | 14.24 | Rank 83 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 13.06% | 7.80% | Rank 58 |
| Share price, 6 months | 23.26% | 8.71% | Rank 89 |
| Share price, 3 months | 16.63% | 0.45% | Rank 92 |
| Distance from 52-week high | −3.56% | −10.68% | Rank 83 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | −0.07% | 1.23% | Rank 72 |
| Change in share countlower is better | 0.00% | −0.60% | Rank 37 |
| Dividend streak in years | 13 | 5 | Rank 79 |
| Price reaction to results, market-adjusted | 0.71% | 0.00% | Rank 60 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 6.95% | 9.21% | Rank 38 |
| Net debt/EBITDAlower is better | 0.59 | 0.12 | Rank 43 |
| Debt to equitylower is better | 0.63 | 0.90 | Rank 62 |
| Volatility, 1 yearlower is better | 21.79% | 25.95% | Rank 75 |
Ten years in figures
| Year | Revenue, €B | Net income | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 30.1 | €903.0M | 10.0% | 253M |
| 2017 | 32.3 | €671.0M | 7.6% | 253M |
| 2018 | 33.8 | €703.0M | 8.1% | 253M |
| 2019 | 37.9 | €923.0M | 9.1% | 253M |
| 2020 | 39.1 | €648.0M | 6.2% | 253M |
| 2021 | 43.1 | €1.0B | 9.4% | 253M |
| 2022 | 18.7 | €706.0M | 8.2% | 253M |
| 2023 | 19.2 | €1.6B | 15.1% | 255M |
| 2024 | 25.6 | €2.0B | 17.0% | 258M |
| 2025 | 57.3 | €2.5B | 18.4% | 258M |
4 of 7 StockScorer Score rules met · How the score is built
Talanx AG mainly meets criteria in the Growth category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Talanx AG. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
4 of 7 rules met
6 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Talanx AG.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 13.5 | 15.2 |
| P/B ratio | 2.5 | 1.8 |
| Return on equity (ROE) | 18.4% | 12.5% |
| Equity ratio | 7.0% | 9.2% |
| Debt-to-equity (D/E) | 0.63 | 0.90 |
| Dividend yield | 2.8% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| TLX.DE | Talanx AGthis page | |
| HIG | Hartford Financial Services Group | Low5.5 |
| SLF.TO | Sun Life Financial Inc. | locked |
| ACGL | Arch Capital Group Ltd. | Low5.5 |
| AIG | American International Group Inc | locked |
| SLHN.SW | Swiss Life Holding AG | locked |
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