msg life ag Logo

msg life ag

MSGL.HM

(1.5)
Stock Price

3,20 EUR

9.88% ROA

16.29% ROE

11.31x PER

Market Cap.

134.399.850,00 EUR

-3.13% DER

1.27% Yield

6.63% NPM

msg life ag Stock Analysis

msg life ag Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

msg life ag Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (0%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 ROE

The stock's ROE falls within an average range (14.52%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (8.26%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.89x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

5 Assets Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

6 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

7 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

8 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

9 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

10 Dividend

The company has not distributed any dividends in the past three years, which may raise concerns for investors looking for regular income from their investments.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (-64) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

msg life ag Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

msg life ag Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

msg life ag Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

msg life ag Revenue
Year Revenue Growth
2005 51.125.250
2006 56.879.350 10.12%
2007 61.309.220 7.23%
2008 63.625.758 3.64%
2009 68.961.823 7.74%
2010 116.235.860 40.67%
2011 135.191.887 14.02%
2012 136.680.000 1.09%
2013 131.316.000 -4.08%
2014 104.339.000 -25.86%
2015 108.135.000 3.51%
2016 121.305.000 10.86%
2017 129.476.000 6.31%
2018 134.153.000 3.49%
2019 156.446.000 14.25%
2020 187.470.000 16.55%
2021 193.808.000 3.27%
2022 182.905.000 -5.96%
2023 179.159.000 -2.09%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

msg life ag Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 12.447.000 100%
2014 9.850.000 -26.37%
2015 8.886.000 -10.85%
2016 11.878.000 25.19%
2017 15.291.000 22.32%
2018 9.804.000 -55.97%
2019 9.397.000 -4.33%
2020 8.934.000 -5.18%
2021 11.195.000 20.2%
2022 11.078.000 -1.06%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

msg life ag General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 3.770.000 100%
2013 3.791.000 0.55%
2014 2.750.000 -37.85%
2015 2.445.000 -12.47%
2016 2.189.000 -11.69%
2017 2.114.000 -3.55%
2018 2.485.000 14.93%
2019 2.787.000 10.84%
2020 3.387.000 17.71%
2021 2.708.000 -25.07%
2022 3.407.000 20.52%
2023 3.038.000 -12.15%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

msg life ag EBITDA
Year EBITDA Growth
2005 2.574.310
2006 -3.553.000 172.45%
2007 6.810.206 152.17%
2008 8.226.023 17.21%
2009 3.466.234 -137.32%
2010 10.972.684 68.41%
2011 5.348.913 -105.14%
2012 -9.053.897 159.08%
2013 -1.619.104 -459.19%
2014 11.518.776 114.06%
2015 7.529.152 -52.99%
2016 11.540.000 34.76%
2017 10.162.942 -13.55%
2018 6.051.854 -67.93%
2019 2.567.835 -135.68%
2020 13.542.332 81.04%
2021 17.212.372 21.32%
2022 14.000.371 -22.94%
2023 17.073.906 18%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

msg life ag Gross Profit
Year Gross Profit Growth
2005 51.376.560
2006 60.000.580 14.37%
2007 59.554.499 -0.75%
2008 61.600.913 3.32%
2009 64.824.219 4.97%
2010 100.981.514 35.81%
2011 116.029.230 12.97%
2012 33.431.564 -247.06%
2013 29.332.435 -13.97%
2014 30.028.340 2.32%
2015 31.944.000 6%
2016 37.431.000 14.66%
2017 38.956.000 3.91%
2018 116.939.688 66.69%
2019 115.956.469 -0.85%
2020 136.186.855 14.85%
2021 140.766.853 3.25%
2022 142.145.540 0.97%
2023 186.438.016 23.76%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

msg life ag Net Profit
Year Net Profit Growth
2005 -2.102.670
2006 -1.967.460 -6.87%
2007 5.278.336 137.27%
2008 4.547.834 -16.06%
2009 942.082 -382.74%
2010 6.345.899 85.15%
2011 -1.310.227 584.34%
2012 -24.216.041 94.59%
2013 -5.906.614 -309.98%
2014 -860.865 -586.13%
2015 4.681.864 118.39%
2016 6.481.893 27.77%
2017 7.666.011 15.45%
2018 2.140.348 -258.17%
2019 -1.399.895 252.89%
2020 8.304.274 116.86%
2021 12.151.595 31.66%
2022 9.130.986 -33.08%
2023 11.881.090 23.15%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

msg life ag Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 -1 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

msg life ag Free Cashflow
Year Free Cashflow Growth
2005 -20.849.660
2006 -1.330.930 -1466.55%
2007 2.414.759 155.12%
2008 1.519.901 -58.88%
2009 2.396.548 36.58%
2010 -1.021.115 334.7%
2011 -10.621.877 90.39%
2012 -3.203.832 -231.54%
2013 -2.120.132 -51.11%
2014 10.346.992 120.49%
2015 1.542.791 -570.67%
2016 -1.389.901 211%
2017 -163.831 -748.37%
2018 6.467.276 102.53%
2019 -15.600.831 141.45%
2020 15.567.941 200.21%
2021 6.043.408 -157.6%
2022 -4.291.486 240.82%
2023 9.897.570 143.36%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

msg life ag Operating Cashflow
Year Operating Cashflow Growth
2005 -20.849.660
2006 -1.330.930 -1466.55%
2007 2.918.984 145.6%
2008 2.153.021 -35.58%
2009 3.792.460 43.23%
2010 1.875.244 -102.24%
2011 -7.315.430 125.63%
2012 -1.457.967 -401.76%
2013 -267.215 -445.62%
2014 11.970.306 102.23%
2015 2.525.308 -374.01%
2016 -992.228 354.51%
2017 1.818.207 154.57%
2018 8.960.742 79.71%
2019 -12.798.810 170.01%
2020 18.980.275 167.43%
2021 7.395.275 -156.65%
2022 -2.171.363 440.58%
2023 12.017.204 118.07%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

msg life ag Capital Expenditure
Year Capital Expenditure Growth
2005 0
2006 0 0%
2007 504.225 100%
2008 633.120 20.36%
2009 1.395.912 54.64%
2010 2.896.359 51.8%
2011 3.306.447 12.4%
2012 1.745.865 -89.39%
2013 1.852.917 5.78%
2014 1.623.314 -14.14%
2015 982.517 -65.22%
2016 397.673 -147.07%
2017 1.982.038 79.94%
2018 2.493.466 20.51%
2019 2.802.021 11.01%
2020 3.412.334 17.89%
2021 1.351.867 -152.42%
2022 2.120.123 36.24%
2023 2.119.634 -0.02%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

msg life ag Equity
Year Equity Growth
2005 4.350.490
2006 17.752.200 75.49%
2007 22.912.432 22.52%
2008 26.631.104 13.96%
2009 69.051.377 61.43%
2010 75.581.513 8.64%
2011 76.307.436 0.95%
2012 49.951.836 -52.76%
2013 42.757.506 -16.83%
2014 40.226.864 -6.29%
2015 46.229.586 12.98%
2016 52.159.629 11.37%
2017 61.819.343 15.63%
2018 38.192.893 -61.86%
2019 37.192.165 -2.69%
2020 43.586.163 14.67%
2021 57.582.348 24.31%
2022 68.335.475 15.74%
2023 77.556.260 11.89%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

msg life ag Assets
Year Assets Growth
2005 25.120.120
2006 37.806.480 33.56%
2007 40.809.334 7.36%
2008 44.340.619 7.96%
2009 108.579.875 59.16%
2010 112.180.475 3.21%
2011 129.988.340 13.7%
2012 105.951.845 -22.69%
2013 102.258.001 -3.61%
2014 79.292.403 -28.96%
2015 81.399.577 2.59%
2016 88.717.891 8.25%
2017 103.578.531 14.35%
2018 75.500.983 -37.19%
2019 74.605.412 -1.2%
2020 82.309.861 9.36%
2021 99.498.545 17.28%
2022 111.290.682 10.6%
2023 120.522.808 7.66%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

msg life ag Liabilities
Year Liabilities Growth
2005 20.769.630
2006 20.054.280 -3.57%
2007 17.896.902 -12.05%
2008 17.709.515 -1.06%
2009 39.528.498 55.2%
2010 36.598.962 -8%
2011 53.680.904 31.82%
2012 56.000.009 4.14%
2013 59.500.495 5.88%
2014 39.065.539 -52.31%
2015 35.169.991 -11.08%
2016 36.558.262 3.8%
2017 41.759.188 12.45%
2018 37.308.090 -11.93%
2019 37.413.247 0.28%
2020 38.723.698 3.38%
2021 41.916.197 7.62%
2022 42.955.207 2.42%
2023 42.966.548 0.03%

msg life ag Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.19
Net Income per Share
0.28
Price to Earning Ratio
11.31x
Price To Sales Ratio
0.75x
POCF Ratio
11.18
PFCF Ratio
13.58
Price to Book Ratio
1.73
EV to Sales
0.66
EV Over EBITDA
6.96
EV to Operating CashFlow
9.88
EV to FreeCashFlow
12
Earnings Yield
0.09
FreeCashFlow Yield
0.07
Market Cap
0,13 Bil.
Enterprise Value
0,12 Bil.
Graham Number
3.36
Graham NetNet
0.98

Income Statement Metrics

Net Income per Share
0.28
Income Quality
1.01
ROE
0.16
Return On Assets
0.1
Return On Capital Employed
0.14
Net Income per EBT
0.8
EBT Per Ebit
1.12
Ebit per Revenue
0.07
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.02
Research & Developement to Revenue
0.08
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.04
Operating Profit Margin
0.07
Pretax Profit Margin
0.08
Net Profit Margin
0.07

Dividends

Dividend Yield
0.01
Dividend Yield %
1.27
Payout Ratio
0.14
Dividend Per Share
0.04

Operating Metrics

Operating Cashflow per Share
0.28
Free CashFlow per Share
0.23
Capex to Operating CashFlow
0.18
Capex to Revenue
0.01
Capex to Depreciation
0.99
Return on Invested Capital
0.14
Return on Tangible Assets
0.1
Days Sales Outstanding
79.97
Days Payables Outstanding
-159.57
Days of Inventory on Hand
-1457.6
Receivables Turnover
4.56
Payables Turnover
-2.29
Inventory Turnover
-0.25
Capex per Share
0.05

Balance Sheet

Cash per Share
0,96
Book Value per Share
1,81
Tangible Book Value per Share
1.8
Shareholders Equity per Share
1.81
Interest Debt per Share
-0.05
Debt to Equity
-0.03
Debt to Assets
-0.02
Net Debt to EBITDA
-0.92
Current Ratio
7.37
Tangible Asset Value
0,08 Bil.
Net Current Asset Value
0,07 Bil.
Invested Capital
100211078
Working Capital
0,10 Bil.
Intangibles to Total Assets
0
Average Receivables
0,04 Bil.
Average Payables
0,00 Bil.
Average Inventory
25428672
Debt to Market Cap
-0.02

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

msg life ag Dividends
Year Dividends Growth
2023 0
2024 0 0%

msg life ag Profile

About msg life ag

msg life ag provides software, advice, and cloud solutions for life insurance companies and pension fund institutions in Europe and the United States. The company offers msg.Insurance Suite for digitized insurance business; msg.Health Factory that covers life cycle of a health insurance contract; msg.ILIS, an insurance liability information system; msg.Life Group for collective business; msg.Life Factory for life insurance companies; msg.Pension, a web-based service portal; msg.Pension Data for digital pension overview; msg.Marsy-Pension for company pension commitments; msg.RAN, a pension settlement and documentation system; msg.Tax Connect, a software to optimize tax communication procedure; msg.Zulagenverwaltung for automated management of allowances process; msg.ZVK Factory, a policy administration system for supplementary pension fund; and msg.Tax Data for automated management of tax exemption orders and non-assessment certificates. It also provides msg.P&C Factory, a policy administration system for life insurance companies; msg.Billing for collection and settlement process; msg.Business Partner, a software for management of natural and legal persons; msg.Commission that controls and manages the sales structure; msg.Office, a digitized transaction control and document management solution; and msg.PMQ, a product management system. In addition, the company offers msg.Migration Archive, a software for archiving historical contract and peripheral system data; msg.Migration System for migration of data from source system to target system; msg.Migration Factory; msg.Sales platform for digital quotation and application processing; and msg.Online Insure, a customer self-service portal. Further, it offers the Unified Administration Platform; Unified Product Platform for Health; UAP.Reinsurance system; and Unified Distribution Platform. The company was founded in 1980 and is headquartered in Leinfelden-Echterdingen, Germany. msg life ag is a subsidiary of msg systems ag.

CEO
Dr. Andrea van Aubel
Employee
925
Address
Humboldtstrasse 35
Leinfelden-Echterdingen, 70771

msg life ag Executives & BODs

msg life ag Executives & BODs
# Name Age
1 Ms. Marion Schenker
Member of Management Board
70
2 Dr. Wolf Wiedmann
Member of the Management Board
70
3 Mr. Robert Hess
Member of the Management Board
70
4 Dr. Andrea van Aubel
Chief Executive Officer & Chairman of the Management Board
70
5 Mr. Milenko Radic
Member of the Management Board
70

msg life ag Competitors