msg life ag

msg life ag

MSGL · HM · Technology / Software - Application

3.68EUR+0.04 (+1.10%)

Price History

Full chart

Market Stats

Previous Close3.64
Open3.62
Day Range3.62 – 3.68
52-Week Range3.40 – 3.96
Volume293
Market Cap157.51M
P/E (TTM)12.27
Forward P/E0.00
EPS0.30
Dividend Yield1.09%
Beta0.02
50-Day Avg3.66
200-Day Avg3.76

About

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,ask:it and msg.claim:it; msg.Billing, a software for payment transactions; msg.BusinessPartner for administration of business data; msg.Commission for commission management; msg.Data Services that provides optimised data for analysis and controlling tasks as well as for legal reporting; Docg, a document generation system; msg.GDPR; msg.Cura, a care solution for case management; msg.Health Factory, a component-based integrated system for private health insurers; msg.Ilis, a software that optimizes financial reporting; msg.Insurance Suite, an end-to-end integrated solution platform for fully digitised insurance operations; msg.Life Factory and msg.Life Group, a policy administration system; msg.Marsy-Pension, a policy management system; msg.Migration Archive to archive historical contract and peripheral system data; msg.Migration Factory, a portfolio migration solution; and msg.Migration System for data migration. It also provides msg.Office, a digital inbox solution for transaction control; msg.P&C Factory, a component-based solution; msg.Pension to automate time-value account and company pension management processes; msg.Pension Data, which provides data for the digital pension overview; msg.PMQ, a modelling and calculation tool; and Product Machine, a platform to streamline the creation, personalization, and distribution of insurance products. In addition, the company offers msg.RAN, Msg.Sales, msg.Tax Data (Health) and (Life); msg.Zulagenverwaltung; msg.Underwriting; UAP.Reinsurance; ZABAS Accident Insurance; ZABAS Detection; ZABAS Engage; ZABAS Private Cost Reimbursement; and ZABAS Settlement solutions. The company was founded in 1980 and is headquartered in Leinfelden-Echterdingen, Germany. msg life ag is a subsidiary of msg systems ag.

Company Details

  • SectorTechnology
  • IndustrySoftware - Application
  • CEOMr. Milenko Radic
  • Employees925
  • HeadquartersHumboldtstrasse 35, Leinfelden-Echterdingen, Germany, 70771, Germany
  • Websitehttps://msg-insurance-suite.com

Leadership

  • Mr. Milenko RadicMember of the Management Board
  • Dr. Wolf WiedmannMember of the Management Board
  • Ms. Marion SchenkerMember of Management Board
  • Mr. Jan VatterMember of Management Board

Financials

Income Statement

Currency: EUR2014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-31
Total Revenue104.34M108.13M121.31M129.48M134.15M156.45M187.47M193.81M182.91M179.16M
Growth (%)-+3.64%+12.18%+6.74%+3.61%+16.62%+19.83%+3.38%-5.63%-2.05%
Cost of Revenue83.40M86.62M83.87M90.52M17.21M40.49M51.28M53.04M40.76M-7.28M
Gross Profit20.94M21.52M37.43M38.96M116.94M115.96M136.19M140.77M142.15M186.44M
Gross Margin20.07%19.90%30.86%30.09%87.17%74.12%72.64%72.63%77.72%104.06%
Operating Expense16.62M15.76M28.14M29.82M112.32M115.34M125.30M125.66M130.66M174.15M
Operating Income4.33M5.76M9.29M9.14M4.62M618.48K10.89M15.11M11.48M12.29M
Operating Margin4.15%5.32%7.66%7.06%3.44%0.40%5.81%7.80%6.28%6.86%
EBITDA---11.42M6.92M3.79M14.84M17.87M14.51M17.07M
EBITDA Margin---8.82%5.16%2.42%7.92%9.22%7.93%9.53%
Net Income-860.87K4.72M6.48M7.67M2.14M-1.40M8.30M12.14M9.14M11.88M
Net Income Margin-0.83%4.36%5.34%5.92%1.60%-0.90%4.43%6.26%5.00%6.63%
Interest Expense00001.05M953.14K867.03K850.78K494.83K172.95K
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.78%0.61%0.46%0.44%0.27%0.10%

Balance Sheet

Currency: EUR2014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-31
Total Assets79.29M81.59M88.72M103.58M75.50M74.61M82.31M99.50M111.29M120.52M
Total Liabilities39.07M36.14M36.56M41.76M37.31M37.41M38.72M41.92M42.96M42.97M
Total Equity40.23M45.45M52.16M61.82M38.19M37.19M43.59M57.58M68.34M77.56M
Cash21.73M21.79M15.74M23.14M28.23M13.45M22.90M17.85M6.87M15.63M

Cash Flow

Currency: EUR2014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-31
Operating Cash Flow11.97M2.53M1.04M1.94M8.96M-12.80M18.98M7.40M-2.17M12.02M
Investing Cash Flow8.89M478.53K-5.16M-2.38M-4.86M-2.37M-9.16M-13.01M--
Financing Cash Flow-14.27M-3.97M2084.69M384.54K139.59K113.41K-59.98K--
Capital Expenditure1.62M982.52K1.45M2.19M2.70M2.81M3.46M1.57M2.12M2.12M
Free Cash Flow----163.83K6.47M-15.60M15.57M6.04M-4.29M9.90M
Dividends Paid---------1.71M
FCF to OCF----8.45%72.17%121.89%82.02%81.72%197.64%82.36%
Dividend Paid to FCF---------17.30%

Earnings

Report DateMay 28, 2015
EPS Estimate-
EPS Actual0.03
Surprise-
TimingPre-market

Key Statistics & Ratios

Market Cap157.51M
Enterprise Value114.00M
Trailing P/E12.27
Forward P/E0.00
Price / Sales0.87
Price / Book1.92
EPS0.30
Book Value1.81
Revenue (TTM)180.23M
Gross Profit (TTM)36.91M
EBITDA15.49M
Profit Margin6.59%
Operating Margin14.60%
Return on Equity16.29%
Return on Assets7.20%
Shares Outstanding42.80M
Shares Float9.72M
Beta0.02
Dividend Yield1.09%
Dividend Rate0.04
Payout Ratio0.00%

Dividends

20261×
0.04Jul 16, 2026
20251×
0.04Jul 17, 2025
20241×
0.04Jul 5, 2024
20231×
0.04Jul 5, 2023