MSIG Life Insurance Indonesia Tbk PT
MSIG Life Insurance Indonesia Tbk PT operates as a multiline insurance and broker entity within the Indonesian financial sector, generating revenue through insurance premiums and related financial services.
Business. MSIG Life Insurance Indonesia Tbk PT (LIFE.JK) is an insurance company headquartered in Indonesia that operates within the multiline insurance and brokers industry. The firm is primarily listed on the Indonesia Stock Exchange (IDX) under the ticker symbol LIFE.JK. Specific details regarding its operating segments and geographic revenue mix are not available.
At a glance
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The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
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Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
MSIG Life Insurance Indonesia Tbk PT (LIFE.JK) is an insurance company headquartered in Indonesia that operates within the multiline insurance and brokers industry. The firm is primarily listed on the Indonesia Stock Exchange (IDX) under the ticker symbol LIFE.JK. Specific details regarding its operating segments and geographic revenue mix are not available.
The company maintains a conservative capital structure with total equity of IDR 8.7 trillion and total liabilities of IDR 7.2 trillion, resulting in a debt-to-equity ratio of 0.0. Long-term debt is minimal at IDR 15.5 billion, indicating negligible leverage. However, liquidity risk is assessed as medium, with a key flag noting that net cash is negative after subtracting total debt. The balance sheet shows total assets of IDR 15.9 trillion, providing a substantial asset base relative to liabilities.
Profitability metrics indicate modest returns, with a return on equity (ROE) of 2.37% and a return on assets (ROA) of 1.3%. The company reported net income of IDR 206.2 billion, matching its operating income. The price-to-earnings ratio stands at 59.82, while the price-to-book ratio is 1.42, suggesting the market values the company at a premium to its book value despite the low ROE. The EV/EBITDA ratio is approximately 59.9, consistent with the high P/E multiple.
Segment and geographic data are not explicitly detailed in the provided financial snapshot, but the company's activity is defined as Multiline Insurance & Brokers. As an Indonesian-listed entity (LIFE.JK), its primary revenue exposure is to the domestic Indonesian insurance market. The lack of specific segment breakdown limits the ability to assess revenue concentration risks across different product lines or regions.
Growth trajectory analysis is constrained by the absence of historical period data in the input. The current financial snapshot provides a single-period view of operating income and net income, both at IDR 206.2 billion. Without multi-year revenue or net income trends, it is not possible to determine the direction or magnitude of recent growth. The free cash flow is negative at IDR -149.3 billion, driven by operating cash flow of IDR 515.8 billion and capital expenditures of IDR -41.4 billion, indicating cash outflows exceed inflows in the current period.
Risk assessment highlights medium liquidity risk and low dilution risk. The key flag regarding negative net cash after debt subtraction suggests potential short-term liquidity pressures despite the strong equity base. The dilution risk is low, supported by the fact that basic and diluted shares outstanding are identical at 2.1 billion shares, indicating no significant convertible securities or options currently impacting share count.
Recent observations include ESG metrics from market data, showing an overall ESG score of 37.80 with a grade of C. The governance pillar scores highest at 45.20, while the environment pillar is lowest at 24.70. The ESG controversies score is 100, indicating no significant controversies. No specific filing, news, or transcript observations are provided in the input data to detail recent corporate events or management signals.
- The company exhibits a debt-free balance sheet with a debt-to-equity ratio of 0.0, but faces medium liquidity risk due to negative net cash.
- Profitability is modest with an ROE of 2.37% and ROA of 1.3%, trading at a high P/E of 59.82 and P/B of 1.42.
- Free cash flow is negative at IDR -149.3 billion, reflecting cash outflows exceeding operating inflows in the current period.
- Dilution risk is low, with no difference between basic and diluted shares outstanding (2.1 billion shares).
- ESG performance is rated C with a score of 37.80, characterized by strong governance (45.20) but weak environmental scores (24.70).
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation FY
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- Director, CEO and Secretary · Class B Common Stock → Class A Common StockAcquired 55 848conversion · 2026-05-15
- Director, President · Class B Common Stock → Class A Common StockAcquired 69 534conversion · 2026-05-15
- 10% owner · Series D-1 Preferred Stock → Class A Common StockDisposed 2 289 371conversion · 2026-01-30
- 10% owner · Series B Preferred Stock → Class A Common StockDisposed 1 124 709conversion · 2026-01-30
- 10% owner · Series B Preferred Stock → Class A Common StockDisposed 47 400conversion · 2026-01-30
- 10% owner · Series B Preferred Stock → Class A Common StockDisposed 17 025conversion · 2026-01-30
- 10% owner · Series B Preferred Stock → Class A Common StockDisposed 172 989conversion · 2026-01-30
- 10% owner · Series C Preferred Stock → Class A Common StockDisposed 180 988conversion · 2026-01-30
- 10% owner · Series C Preferred Stock → Class A Common StockDisposed 7 627conversion · 2026-01-30
- 10% owner · Series C Preferred Stock → Class A Common StockDisposed 2 739conversion · 2026-01-30
- 10% owner · Series C Preferred Stock → Class A Common StockDisposed 27 837conversion · 2026-01-30
- 10% owner · Series C Preferred Stock → Class A Common StockDisposed 1 917 944conversion · 2026-01-30
- 10% owner · Series D Preferred Stock → Class A Common StockDisposed 56 275conversion · 2026-01-30
- 10% owner · Series D Preferred Stock → Class A Common StockDisposed 2 058conversion · 2026-01-30
- 10% owner · Series D Preferred Stock → Class A Common StockDisposed 878conversion · 2026-01-30
- 10% owner · Series D Preferred Stock → Class A Common StockDisposed 12 274conversion · 2026-01-30
- 10% owner · Series D Preferred Stock → Class A Common StockDisposed 214 464conversion · 2026-01-30
- 10% owner · Class B Common Stock → Class A Common StockAcquired 8 027 281grant · 2026-01-30
- 10% owner · Series A-2 Preferred Stock → Class A Common StockDisposed 11 881conversion · 2026-01-30
- 10% owner · Class B Common Stock → Class A Common StockAcquired 337 996grant · 2026-01-30
- 10% owner · Class B Common Stock → Class A Common StockAcquired 121 541grant · 2026-01-30
- 10% owner · Class B Common Stock → Class A Common StockAcquired 1 238 282grant · 2026-01-30
- 10% owner · Class B Common Stock → Class A Common StockAcquired 2 132 408grant · 2026-01-30
- 10% owner · Class B Common Stock → Class A Common StockAcquired 142 616grant · 2026-01-30
- 10% owner · Series A-2 Preferred Stock → Class A Common StockDisposed 1 897 656conversion · 2026-01-30
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
- Ev To Operating Incomeenterprise_value / operating_income
- Ev To Operating Cash Flowenterprise_value / operating_cash_flow
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Enterprise Valuemarket_cap - net_cash
- Cash Conversion Ratiooperating_cash_flow / net_income
- Market Capmarket_price * shares_outstanding_diluted
- MSIG Life Insurance Indonesia Tbk PT Market data — financials · 2026-07-06
- MSIG Life Insurance Indonesia Tbk PT Market data — ESG · 2026-07-06
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,01 %$0M
- Investment Managers · as of 2026-03-310,00 %$15M
- Investment Managers · as of 2026-03-310,00 %$5M
- Investment Managers · as of 2026-03-310,00 %$6M
- Investment Managers · as of 2026-03-310,00 %$1M
- Brokerage Firms · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Brokerage Firms · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
Insider activity
- Director, CEO and Secretary · Class A Common StockOther 900 000 · 2026-07-08
- Director, President · Class A Common StockOther 900 000 · 2026-07-08
- Chief Accounting Officer · Class A Common StockSold 5 324 @ $22,00$117K · 2026-05-15
- Director, President · Class A Common StockSold 39 495 @ $21,99$868K · 2026-05-15
- Director, President · Class A Common StockSold 6 854 @ $22,77$156K · 2026-05-15
- Director, President · Class A Common StockOther 69 534 · 2026-05-15
- Director, CEO and Secretary · Class A Common StockSold 54 890 @ $22,00$1,2M · 2026-05-15
- Director, CEO and Secretary · Class A Common StockSold 5 145 @ $22,78$117K · 2026-05-15
- Director, CEO and Secretary · Class A Common StockOther 55 848 · 2026-05-15
- Chief Financial Officer · Class A Common StockSold 62 955 @ $21,97$1,4M · 2026-05-15
- Chief Financial Officer · Class A Common StockSold 17 631 @ $22,72$401K · 2026-05-15
- Chief Accounting Officer · Class A Common StockSold 499 @ $22,66$11K · 2026-05-15
- Chief Financial Officer · Class A Common StockOther 80 287 · 2026-04-28
- Chief Accounting Officer · Class A Common StockOther 56 769 · 2026-04-28
- 10% owner · Class A Common StockOther 6 780 975 · 2026-01-30
- 10% owner · Class A Common StockOther 324 338 · 2026-01-30
- 10% owner · Class A Common StockOther 38 573 · 2026-01-30
- 10% owner · Class A Common StockOther 8 027 281 · 2026-01-30
- 10% owner · Class A Common StockOther 337 996 · 2026-01-30
- 10% owner · Class A Common StockOther 121 541 · 2026-01-30
- 10% owner · Class A Common StockOther 1 238 282 · 2026-01-30
- 10% owner · Class A Common StockOther 2 132 408 · 2026-01-30
- 10% owner · Class A Common StockOther 142 616 · 2026-01-30
- 10% owner · Class A Common StockOther 8 027 281 · 2026-01-30
- 10% owner · Class A Common StockOther 337 996 · 2026-01-30
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Revenue (YoY) (2025-12-31 vs 2024-12-31): 52.0%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 43.5%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 77.5%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 30.2%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 36.8%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): 159.7%Derived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): 92.1%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): -5.62xDerived (calculated)
- Current ratio (FY 2025-12-31): 2.17xDerived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 45.7%Derived (calculated)
- Return on assets (FY 2025-12-31): 13.8%Derived (calculated)
- Return on equity (FY 2025-12-31): -295.0%Derived (calculated)
- Net margin (FY 2025-12-31): 18.4%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 41.3%Derived (calculated)
- Cost of revenue (YoY) (2025-12-31 vs 2024-12-31): 3.2%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): 432.1%Derived (calculated)
- Operating income (YoY) (2025-12-31 vs 2024-12-31): 49.6%Derived (calculated)
- Revenue (annual): USD 387.61MSEC XBRL filing
- Pre-tax income (annual): USD 75.74MSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 4SEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 1SEC XBRL filing
- Total liabilities (annual): USD 135.46MSEC XBRL filing
- Current assets (annual): USD 245.8MSEC XBRL filing
- Cash & equivalents (annual): USD 91.09MSEC XBRL filing