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Talanx AG (TLX.DE)

EUR112.00 -0.40 (-0.36%)
DE XETRA Financial Services Insurance - Diversified
Address HDI-Platz 1 30659
Hanover, DE
CEO Torsten Leue
Website talanx.com
IPO 2012-10-03
ISIN DE000TLX1005

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Also trades on Deutsche Börse · TLX.DE (EUR) Other OTC · TLLXY (USD) Other OTC · TNXXF (USD) Swiss Exchange · TLX.SW (CHF)
Description

Talanx AG operates internationally, delivering a comprehensive suite of insurance and reinsurance services. Its extensive direct insurance portfolio encompasses life, casualty, liability, and motor coverage, alongside a wide array of property-related policies for risks such as fire, theft, water damage, windstorm, marine activities, and business interruption. The company also offers specialized products, including bancassurance, unit-linked life and annuity plans, long-term and occupational disability coverage, personal accident insurance, and Sharia-compliant retakaful. In the reinsurance sector, Talanx addresses property and casualty, marine and aviation, credit, agriculture, structured risks, and life and health segments, with a strong presence in facultative and natural catastrophe markets. Additionally, it engages in asset management. Founded in Hanover, Germany, in 1996, Talanx AG functions as a subsidiary of HDI Haftpflichtverband der Deutschen Industrie Versicherungsverein auf Gegenseitigkeit.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR112.00 -0.40 (-0.36%)
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Volume Profile
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Liquidity & share structure
Average Volume
134.5K
Beta
0.35
Float Shares
59.20M
Free Float %
22.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.05% -0.28% -10.90% -0.66% -4.52% -5.89% -4.95% +117.17% +199.72% +270.05% +470.27%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
112.00
DCF (Unlevered) 934.56 +734.4%
DCF (Levered) 4,440.05 +3,864.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 50% Bullish
Rating 2026-05 Change
Strong Buy 2 0
Buy 1 0
Hold 2 0
Sell 0 0
Strong Sell 1 0
Quality scores
Altman Z-Score
494.23
Safe zone
Piotroski F-Score
3 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Insurance - Diversified: +15.2%
    +123.9% ★ Q1'26: +10.3% (vs Q1'25)
  • ✓
    EPS growth Insurance - Diversified: +25.3%
    +25.3% Q1'26: +28.2% (vs Q1'25)
  • ✓
    FCF margin FCF growth · Insurance - Diversified: +30.2%
    +11.7% Q1'26: +0.0% (vs Q1'25)
  • ✗
    EBIT margin Insurance - Diversified: +13.5%
    +9.5% Q1'26: +12.2% (vs Q1'25)
  • ✓
    ROIC Insurance - Diversified: +4.2%
    +17.2% ★ Q1'26: +21,623.4% (vs Q1'25)
  • ✓
    Share dilution Insurance - Diversified: +0.0%
    +0.0% Q1'26: +0.0% (vs Q1'25)
  • ✓
    Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×
    1.56× Q1'26: 0.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.36) × ERP
WACC = 76% × Ke + 24% × Kd (4.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 934.56 Current price: 112.00
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2012
actual 		Dec 2013
actual 		Dec 2014
actual 		Dec 2015
actual 		Dec 2016
actual 		Dec 2017
actual 		Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
2 Rev. Ana.
5 EPS Ana. 		Dec 2027
4 Rev. Ana.
5 EPS Ana. 		Dec 2028
4 Rev. Ana.
4 EPS Ana. 		Dec 2029
3 Rev. Ana.
2 EPS Ana. 		Dec 2030
3 Rev. Ana.
2 EPS Ana.
Revenue
26.00B
est: 25.52B (+1.9%)
27.20B
est: 28.41B (-4.3%)
28.40B
est: 29.13B (-2.5%)
30.33B
est: 31.66B (-4.2%)
30.15B
est: 31.77B (-5.1%)
32.31B
est: 32.88B (-1.7%)
33.78B
est: 34.97B (-3.4%)
37.89B
est: 38.45B (-1.5%)
39.14B
est: 41.17B (-4.9%)
43.13B
est: 44.30B (-2.6%)
18.73B
est: 52.54B (-64.4%)
19.23B
est: 49.06B (-60.8%)
25.58B
est: 48.17B (-46.9%)
57.27B
est: 49.74B (+15.1%)
51.60B
51.50B – 51.70B
+3.7% YoY
54.21B
53.37B – 54.90B
+5.1% YoY
55.55B
55.43B – 55.67B
+2.5% YoY
57.40B
56.90B – 57.83B
+3.3% YoY
59.92B
59.39B – 60.37B
+4.4% YoY
EBITDA
2.07B
est: 3.22B (-35.9%)
2.05B
est: 957.50M (+113.6%)
2.16B
est: 871.22M (+148.0%)
2.44B
est: 1.00B (+143.0%)
2.50B
est: 1.21B (+106.6%)
2.01B
est: 1.38B (+45.6%)
2.20B
est: 981.00M (+124.0%)
2.58B
est: 1.11B (+132.9%)
1.84B
est: 1.42B (+29.0%)
2.67B
est: 1.54B (+73.5%)
2.91B
est: 1.60B (+81.9%)
3.22B
est: 6.66B (-51.6%)
5.11B
est: 6.54B (-22.0%)
5.43B
est: 6.76B (-19.7%)
7.01B
6.99B – 7.02B
+3.7% YoY
7.36B
7.25B – 7.46B
+5.1% YoY
7.54B
7.53B – 7.56B
+2.5% YoY
7.80B
7.73B – 7.85B
+3.3% YoY
8.14B
8.07B – 8.20B
+4.4% YoY
EBIT
1.94B
est: 3.10B (-37.6%)
1.92B
est: 1.95B (-1.2%)
2.04B
est: 1.84B (+10.6%)
2.31B
est: 2.05B (+12.8%)
2.40B
est: 2.23B (+8.0%)
1.88B
est: 2.35B (-20.1%)
2.10B
est: 1.95B (+7.8%)
2.50B
est: 2.17B (+15.2%)
1.71B
est: 2.66B (-35.7%)
2.50B
est: 2.88B (-13.2%)
2.82B
est: 2.99B (-5.6%)
3.10B
est: 6.46B (-52.0%)
4.97B
est: 6.35B (-21.8%)
5.43B
est: 6.55B (-17.2%)
6.80B
6.78B – 6.81B
+3.7% YoY
7.14B
7.03B – 7.23B
+5.1% YoY
7.32B
7.30B – 7.33B
+2.5% YoY
7.56B
7.49B – 7.62B
+3.3% YoY
7.89B
7.82B – 7.95B
+4.4% YoY
Net Income
626.00M
est: 685.26M (-8.6%)
732.00M
est: 696.97M (+5.0%)
769.00M
est: 764.67M (+0.6%)
734.00M
est: 833.54M (-11.9%)
903.00M
est: 748.73M (+20.6%)
671.00M
est: 920.28M (-27.1%)
703.00M
est: 723.63M (-2.9%)
923.00M
est: 751.28M (+22.9%)
648.00M
est: 1.01B (-35.9%)
1.01B
est: 1.09B (-7.6%)
706.00M
est: 1.31B (-46.2%)
1.58B
est: 1.84B (-14.3%)
1.98B
est: 1.97B (+0.3%)
2.48B
est: 2.46B (+0.9%)
2.78B
2.71B – 2.90B
+13.2% YoY
2.84B
2.62B – 3.06B
+2.2% YoY
2.76B
2.20B – 3.44B
-2.8% YoY
3.18B
3.14B – 3.21B
+14.9% YoY
3.46B
3.42B – 3.49B
+8.9% YoY
SGA
—
—
est: 80.16M (-100.0%)
—
est: 64.77M (-100.0%)
—
est: 65.04M (-100.0%)
—
est: 86.71M (-100.0%)
—
est: 91.72M (-100.0%)
—
est: 82.92M (-100.0%)
—
est: 133.58M (-100.0%)
—
est: 92.04M (-100.0%)
—
est: 99.60M (-100.0%)
—
est: 103.21M (-100.0%)
—
—
—
—
— – —
—
— – —
—
— – —
—
— – —
—
— – —
EPS
2.86
est: 2.65 (+7.8%)
2.90
est: 2.78 (+4.1%)
3.04
est: 2.93 (+3.7%)
2.90
est: 2.73 (+6.1%)
3.57
est: 3.34 (+6.9%)
2.65
est: 2.65 (+0.1%)
2.78
est: 2.78 (-0.2%)
3.65
est: 3.74 (-2.4%)
2.56
est: 2.61 (-1.8%)
4.00
est: 3.76 (+6.3%)
2.79
est: 4.47 (-37.5%)
6.21
est: 7.17 (-13.4%)
7.66
est: 7.64 (+0.2%)
9.60
est: 9.53 (+0.8%)
10.73
10.49 – 11.21
+12.6% YoY
11.22
10.14 – 11.84
+4.7% YoY
11.69
8.53 – 13.32
+4.1% YoY
12.30
12.15 – 12.42
+5.2% YoY
13.39
13.24 – 13.52
+8.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-15 A- 4/5 5/5 5/5 5/5 1/5 3/5 1/5
2026-05-14 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5
2026-05-13 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5
2026-05-12 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5
2026-05-11 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5
2026-05-08 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5
2026-05-07 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5
2026-05-06 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5
2026-05-05 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5
2026-05-04 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5
2026-04-30 A- 4/5 5/5 5/5 4/5 2/5 3/5 1/5
2026-04-29 A- 4/5 5/5 5/5 4/5 2/5 3/5 1/5
2026-04-28 A- 4/5 5/5 5/5 4/5 2/5 3/5 1/5
2026-04-27 A- 4/5 5/5 5/5 4/5 2/5 3/5 1/5
2026-04-24 A- 4/5 5/5 5/5 4/5 2/5 3/5 1/5
2026-04-23 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-22 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-21 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-20 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-17 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-16 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-15 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
208.37M
OE per share TTM
0.81
Owner's Yield
0.76%
Maintenance CapEx ratio
4.87%
Maint CapEx / Avg PPE
2.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
184.8K
Shares Outstanding
258.23M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Torsten Leue Chairman of the Management Board & Chief Executive Officer 3M male
Jan Martin Wicke Chief Financial Officer & Member of the Management Board 2M —
Wilm Langenbach Member of Management Board 2M —
Clemens Jungsthofel Member of the Board of Management 1M male
Edgar Puls Member of the Board of Management 1M —
Caroline Schlienkamp Member of the Board of Management 1M female
Jens Warkentin Member of the Board of Management 1M male
Simone Auer Chief Risk Officer — female
Bernd Sablowsky Head of Investor Relations and Mergers & Acquisitions — male
Andreas Krosta Head of Group Communications. — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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