Msg Life Ag

Msg Life Ag

MSGL.HM
Msg Life AgDE flagHamburg Stock Exchange
3.90
EUR
-0.02
- -
166.93MMarket Cap
Msg Life Ag
MSGL.HM
(Hamburg Stock Exchange)

Recent

price

3.90

P/E

ratio

- -

div

yld

- -

ROIC.AI

2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
TTM
FRC
3.02
2.66
2.84
3.31
3.34
3.21
2.55
2.64
2.97
2.67
3.13
3.66
4.38
4.53
4.27
4.19
2.97
Revenue per Share
0.21
0.04
0.16
-0.05
-0.59
-0.13
-0.02
0.12
0.16
0.16
0.05
-0.03
0.19
0.28
0.21
0.28
0.16
Basic EPS, GAAP
0.07
0.09
-0.02
-0.26
-0.08
-0.07
0.25
0.04
-0.01
- -
0.15
-0.36
0.36
0.14
-0.1
0.23
-0.02
Free Cash Flow per Basic Share
- -
0.08
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.04
- -
Dividend per Share
0.79
1.38
1.03
0.99
0.34
0.2
0.15
0.29
1.05
0.26
0.31
0.28
0.47
0.76
0.97
1.21
1.05
Book Value per Share
0.99
1.04
0.88
0.77
0.29
0.22
0.35
0.51
0.68
0.75
0.83
0.82
0.99
1.32
1.58
1.8
0.68
Tangible Book Value per Share
21
26
41
41
41
41
41
41
41
43
43
43
43
43
43
43
41
Basic Weighted Avg Shares
64
68
116
135
137
131
104
108
121
114
134
157
187
194
183
179
121
Sales/Revenue/Turnover
10.5
2.35
2.34
0.53
-11.38
-4.56
0.03
4.73
7.66
7.54
3.44
0.51
5.81
7.8
6.28
6.86
7.66
Operating Margin (%)
1
1
5
5
10
5
5
2
2
2
2
3
3
3
3
2
2
Depreciation Expense
5
1
6
-2
-24
-5
-1
5
6
7
2
-1
8
12
9
12
6
Net Income, GAAP
32.41
37.13
- -
- -
- -
- -
114.32
28.67
33.61
17.62
40.3
8,324.03
20.73
14.61
20.45
19.5
33.6
Effective Tax Rate (%)
7.1
1.38
5.46
-1.62
-17.72
-4.04
-0.83
4.36
5.34
6.15
1.6
-0.89
4.43
6.27
4.99
6.63
5.34
Profit Margin (%)
20
27
29
25
14
22
26
28
37
53
55
52
68
81
87
96
37
Working Capital
- -
- -
- -
- -
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
27
69
76
76
49
43
40
45
52
35
38
37
44
58
68
78
52
Total Equity
17.96
2.06
- -
- -
- -
- -
-0.01
8.81
16.06
28.5
10.51
-168.21
20.46
25.1
14.24
13.12
16.06
Return on Invested Capital (%)
33.99
4.76
- -
- -
- -
- -
-10.2
54.8
24.28
28.03
22.42
-628.02
55.65
48.82
25.73
25.76
24.29
Return on Capital (%)
31.14
3.6
16.36
-5.29
-88.81
-48.22
-12.21
52.82
23.64
25.84
17.35
-11.03
51.4
46.06
24.67
25.46
23.64
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Jun'16
Sep'16
Dec'16
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
41
41
41
Market Capitalization
95
84
117

Working Capital

FRC

in mil. unless spec.
Jun'16
Sep'16
Dec'16
Total Current Assets
54
57
58
Cash, Cash Equivalents & STI
22
23
20
Accounts Receivable, Net
28
31
34
Inventories
- -
- -
- -
Total Current Liabilities
25
26
22
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.71%
15.77%
13.49%
Free Cash Flow
-1,536.3%
-220.77%
-330.63%
Net Income, GAAP
-156.2%
-161.31%
30.12%
Sales/Revenue/Turnover
3.91%
6.43%
-2.05%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
194
2022
- -
- -
- -
- -
183
2023
- -
- -
- -
- -
179

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
0.28
2022
- -
- -
- -
- -
0.21
2023
- -
- -
- -
- -
0.28

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
- -
2022
- -
- -
- -
- -
- -
2023
- -
- -
- -
- -
0.04
Business
msg life ag (MSGL.HM) develops and markets software solutions, provides consulting services, and offers cloud-based platforms primarily for life insurance companies and pension fund institutions in Europe and the United States. Its core products include msg.Life Factory, a modern policy administration system for life insurance and pension products featuring flexible processes, actuarial models, and cloud/SaaS deployment options; msg.Insurance Suite, a comprehensive platform integrating policy administration, group life management, pension settlement via msg.Ran, tax reporting with msg.Tax Connect, allowance management through msg.Zulagenverwaltung, billing solutions, transaction control and document management with msg.Office, and audit-proof data management using msg.Ilis; migration tools such as msg.Migration Analyze, msg.Migration System, msg.Migration Archive, and msg.Migration Factory; as well as digital consulting, implementation services, and full IT operations under SaaS/cloud models with providers like AWS, Azure, Google, and IBM. The company targets insurers in life, health, and group segments, with a leading market position among German-speaking life insurers, and operates through subsidiaries in Germany (Leinfelden-Echterdingen headquarters, Ismaning, Hamburg, Cologne), Austria (Vienna), Switzerland (Zurich), Netherlands (Almere), Slovakia (Bratislava, Košice, Žilina), Portugal (Oporto), Spain (Madrid), and the USA (New York, Denver, Boca Raton). Founded in 1980 as a subsidiary of msg systems ag (now under msg group GmbH with 77.30% ownership), msg life ag employs over 1,200 people and co-brands solutions like msg.Insurance Suite with msg nexinsure ag under the msg insur:it initiative. In 2024, msg life ag restructured by relocating subsidiaries msg life central europe gmbh and msg life global gmbh headquarters to Ismaning, Munich, dissolving unified management responsibilities with msg nexinsure ag effective January 1, 2025 to focus on specialized segments while continuing collaboration on msg.Insurance Suite, and establishing msg health ag for digital health solutions within the msg Group. AXA Konzern AG adopted msg.Life Factory as its first German cloud-native insurance platform on AWS, enhancing flexibility and scalability; ISG positioned msg life as a "Leader" in life and pension platform solutions per its 2024 Provider Lens report; and the TRAIL.X project with Ludwig Maximilian University of Munich advanced AI-driven actuarial function transfers for migrations using explainable AI and large language models, funded through 2026. The company settled a major project termination with a customer via a 19.0 million euro credit note covered by msg systems ag indemnity, contributing to net profit of 10.5 million euros; enhanced its ISO/IEC 27001-certified ISMS for DORA compliance; and maintained profit transfer agreements yielding 20.3 million euros from msg life central europe gmbh. These developments supported revenue growth to 87.1 million euros and equity of 76.7 million euros as of December 31, 2024.