Talanx AG (TLX.DE) stock analysis

In our weekly check, Talanx AG is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 15 pass, warnings: 3, red flags: 6.

About Talanx AG

Talanx AG is a Financial Services company (Insurance - Diversified) based in Germany, listed on XETRA as TLX.DE.

What our checks show for TLX.DE

Red flags

• Profits not backed by cash
• Analysts expect revenue to shrink about 8.5% a year.
• The net margin is only 3.8%: little room if costs rise.
• Recovering from its deepest fall took about 3.1 years.
• Return on capital (ROCE) is only 2.6%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• Free cash flow is only 0% of revenue.
• The stock has fallen as much as 54% from a peak. Would you have held through that?
• Thinly traded (about 124 thousand shares a day): buying and selling can move the price.

Strengths

• The net margin rose by 1.4 points over 5 years, to 3.8%.
• The gross margin is 85.5% and has risen by 7.3 points: pricing power is holding.
• Revenue grew 54.2% a year over the last 3 years.
• Earnings per share grew 53.5% a year over the last 3 years.
• Net profit grew 54.5% a year over the last 3 years.
• The price is 12.4 times earnings (P/E), reasonable for its growth.

Next earnings report: 2026-11-12

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ACGL · HIG · SLHN.SW · SAMPO.HE · AIG

Questions

What grade does Talanx AG (TLX.DE) have?

In our weekly check, Talanx AG is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 15 pass, warnings: 3, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of TLX.DE stock?

This week's biggest flags for Talanx AG: Profits not backed by cash, Weak revenue forecast, Thin margins. In total 9 of 24 checks show a warning or a red flag.

What does Talanx AG do?

Talanx AG is a Financial Services company (Insurance - Diversified) based in Germany, listed on XETRA as TLX.DE.

When does Talanx AG report earnings next?

The next earnings report is expected on 2026-11-12. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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