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How does LIFE.JK make money? Does LIFE.JK have pricing power? What's the Earnings Whisper? Will LIFE.JK profit more as the business scales? What is LIFE.JK's management track record? Is LIFE.JK's current price justified?

PT MSIG Life Insurance Indonesia Tbk

IDR 12725 +$4875.00 (+62.10%)

JKT · 07 Sep 2026 00:54 UTC

Previous Close

IDR 11550

Day Range

IDR 12725 - IDR 12725

Year Range

IDR 5500IDR 17100

Market Cap

26.72T

AVG Volume

14.56K

Trailing/Forward PE

95.86/-

PEG ratio

-10.24

Dividend Yield

0.75%

Next Earnings Date

Primary Exchange

Indonesia Stock Exchange

Revenue (IDR)

LIFE.JK Revenue (IDR) by year
Period	Revenue (IDR)
2025	3.08T
2024	3.72T
2023	3.46T
2022	3.41T
2021	4.04T
2020	4.35T
2019	4.45T
2018	4.96T
2017	5.23T
2016	7.34T

Net Income (IDR)

LIFE.JK Net Income (IDR) by year
Period	Net Income (IDR)
2025	206.23B
2024	351.46B
2023	126.49B
2022	367.77B
2021	73.82B
2020	330.94B
2019	286.68B
2018	342.54B
2017	455.63B
2016	349.45B

Operating Income (IDR)

LIFE.JK Operating Income (IDR) by year
Period	Operating Income (IDR)
2025	242.43B
2024	403.85B
2023	199.11B
2022	428.66B
2021	139.22B
2020	404.48B
2019	350.77B
2018	299.25B
2017	521.22B
2016	434.63B

EBITDA (IDR)

LIFE.JK EBITDA (IDR) by year
Period	EBITDA (IDR)
2025	261.46B
2024	427.98B
2023	236.29B
2022	463.77B
2021	178B
2020	451.94B
2019	384.2B
2018	4.61T
2017	6.52T
2016	4.64T

Cash Flows (IDR)

LIFE.JK Cash Flows (IDR) by year
Period	Cash Flows (IDR)
2025	900.82B
2024	-62.69B
2023	-378.77B
2022	-87.79B
2021	92.11B
2020	359.99B
2019	312.38B
2018	349.07B
2017	0
2016	0

EPS (IDR)

LIFE.JK EPS (IDR) by year
Period	EPS (IDR)
2025	98.2
2024	167.36
2023	60.23
2022	175.13
2021	35.5
2020	157.03
2019	136.52
2018	163.12
2017	216.96
2016	166.4

Expenses (IDR)

LIFE.JK Expenses (IDR) by year
Period	Expenses (IDR)
2025	47.52B
2024	271.12B
2023	202.09B
2022	162.79B
2021	154.51B
2020	134.26B
2019	113.15B
2018	282.61B
2017	298.24B
2016	585.99B

Cash & Debt (IDR)

LIFE.JK Cash & Debt (IDR) by year
Period	Cash & Debt (IDR)
2025	9.61T
2024	8.52T
2023	7.46T
2022	7.54T
2021	7.39T
2020	6.98T
2019	7.43T
2018	7.99T
2017	981B
2016	396.62B

Debt ratios

LIFE.JK Debt ratios by year
Period	Debt ratios
2025	-6.91
2024	-6.52
2023	-5.6
2022	-5.1
2021	-1.31
2020	-0.58
2019	-0.46

Margins

LIFE.JK Margins by year
Period	Margins
2025	83.21%
2024	78.9%
2023	78.52%
2022	86.12%
2021	90.29%
2020	93.18%
2019	92.84%
2018	97.89%
2017	100%
2016	100%

Return on Capital

LIFE.JK Return on Capital by year
Period	Return on Capital
2025	2.42%
2024	4.59%
2023	1.69%
2022	4.79%
2021	0.98%
2020	4.11%
2019	3.69%
2018	4.75%
2017	5.24%
2016	4.39%

Shares Outstanding

LIFE.JK Shares Outstanding by year
Period	Shares Outstanding
2025	2.1B
2024	2.1B
2023	2.1B
2022	2.1B
2021	2.1B
2020	2.1B
2019	2.1B
2018	2.1B
2017	2.1B
2016	2.1B

Dividends (IDR)

LIFE.JK Dividends (IDR) by year
Period	Dividends (IDR)
2026	96
2025	160
2024	38
2023	177
2022	34
2021	243
2020	74

Book Value Per Share (IDR)

LIFE.JK Book Value Per Share (IDR) by year
Period	Book Value Per Share (IDR)
2025	4052.57
2024	3645.32
2023	3567.4
2022	3659.32
2021	3603.63
2020	3832.06
2019	3697.94
2018	3431.67
2017	4139.47
2016	3792.8

Total Assets (IDR)

LIFE.JK Total Assets (IDR) by year
Period	Total Assets (IDR)
2025	15.87T
2024	14.59T
2023	14.92T
2022	15.54T
2021	16.34T
2020	15.85T
2019	16.23T
2018	15.55T
2017	16.77T
2016	16.23T

PE Ratio

LIFE.JK PE Ratio by year
Period	PE Ratio
Sep 26	99.66
Sep 26	99.66
Aug 26	66.18
Aug 26	44.45
Aug 26	45.82
Aug 26	46.01
Jul 26	45.42
Jul 26	43.66
Jul 26	45.62
Jul 26	46.01
Jul 26	45.62
Jun 26	60.84
Jun 26	61.1
Jun 26	58.04
Jun 26	58.81
May 26	61.1
May 26	59.06
May 26	69.5
May 26	72.3
Apr 26	74.59
Apr 26	73.32
Apr 26	76.88
Apr 26	73.83
Apr 26	70.77
Mar 26	47.86
Mar 26	48.75
Mar 26	49.81
Mar 26	50.52
Feb 26	53.73
Feb 26	54.44
Feb 26	56.22
Feb 26	54.62
Jan 26	54.79
Jan 26	58.53
Jan 26	61.55
Jan 26	69.74
Jan 26	55.86
Dec 25	52.74
Dec 25	53.25
Dec 25	55.3
Dec 25	56.33
Nov 25	58.03
Nov 25	62.98
Nov 25	59.57
Nov 25	57.69
Oct 25	58.89
Oct 25	64.18
Oct 25	67.76
Oct 25	74.25
Oct 25	63.15
Sep 25	78.86
Sep 25	99.9
Sep 25	126.63
Sep 25	129.67
Aug 25	129.67
Aug 25	129.67
Aug 25	90.05
Aug 25	55.16
Aug 25	62.75
Jul 25	52.13
Jul 25	50.43
Jul 25	49.29
Jul 25	51.18
Jun 25	38.84
Jun 25	37.64
Jun 25	37.64
Jun 25	36.3
May 25	37.34
May 25	37.05
May 25	37.64
May 25	37.64
May 25	38.24
Apr 25	39.44
Apr 25	37.64
Apr 25	38.09
Mar 25	62.99
Mar 25	53.11
Mar 25	56.56
Mar 25	56.79
Feb 25	66.67
Feb 25	56.56
Feb 25	55.41
Feb 25	57.71
Jan 25	57.48
Jan 25	56.56
Jan 25	59.78
Jan 25	64.37
Jan 25	66.67
Dec 24	119.92
Dec 24	126.51
Dec 24	117.72
Dec 24	125.63
Nov 24	128.27
Nov 24	131.78
Nov 24	136.17
Nov 24	137.93
Nov 24	150.67
Oct 24	124.75
Oct 24	140.13
Oct 24	148.03

Free Cash Flow Yield

LIFE.JK Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	3.58%
Sep 26	3.58%
Aug 26	5.4%
Aug 26	8.04%
Aug 26	7.8%
Aug 26	7.76%
Jul 26	7.86%
Jul 26	8.18%
Jul 26	7.83%
Jul 26	7.76%
Jul 26	7.83%
Jun 26	7.18%
Jun 26	7.15%
Jun 26	7.53%
Jun 26	7.43%
May 26	7.15%
May 26	7.4%
May 26	6.29%
May 26	6.04%
Apr 26	5.86%
Apr 26	5.96%
Apr 26	5.68%
Apr 26	5.92%
Apr 26	6.17%
Mar 26	3.27%
Mar 26	3.21%
Mar 26	3.14%
Mar 26	3.1%
Feb 26	2.91%
Feb 26	2.87%
Feb 26	2.78%
Feb 26	2.86%
Jan 26	2.86%
Jan 26	2.67%
Jan 26	2.54%
Jan 26	2.24%
Jan 26	2.8%
Dec 25	1.8%
Dec 25	1.79%
Dec 25	1.72%
Dec 25	1.69%
Nov 25	1.64%
Nov 25	1.51%
Nov 25	1.6%
Nov 25	1.65%
Oct 25	1.62%
Oct 25	1.48%
Oct 25	1.4%
Oct 25	1.28%
Oct 25	1.51%
Sep 25	0.43%
Sep 25	0.34%
Sep 25	0.27%
Sep 25	0.26%
Aug 25	0.26%
Aug 25	0.26%
Aug 25	0.37%
Aug 25	0.61%
Aug 25	0.54%
Jul 25	0.64%
Jul 25	0.67%
Jul 25	0.68%
Jul 25	0.66%
Jun 25	-0.46%
Jun 25	-0.47%
Jun 25	-0.47%
Jun 25	-0.49%
May 25	-0.48%
May 25	-0.48%
May 25	-0.47%
May 25	-0.47%
May 25	-0.47%
Apr 25	-0.45%
Apr 25	-0.47%
Apr 25	-0.47%
Mar 25	-0.14%
Mar 25	-0.17%
Mar 25	-0.16%
Mar 25	-0.16%
Feb 25	-0.13%
Feb 25	-0.16%
Feb 25	-0.16%
Feb 25	-0.15%
Jan 25	-0.16%
Jan 25	-0.16%
Jan 25	-0.15%
Jan 25	-0.14%
Jan 25	-0.13%
Dec 24	-1.64%
Dec 24	-1.56%
Dec 24	-1.67%
Dec 24	-1.57%
Nov 24	-1.54%
Nov 24	-1.49%
Nov 24	-1.45%
Nov 24	-1.43%
Nov 24	-1.31%
Oct 24	-1.58%
Oct 24	-1.41%
Oct 24	-1.33%

Price to Sales

LIFE.JK Price to Sales by year
Period	Price to Sales
Sep 26	9.37
Sep 26	9.37
Aug 26	6.22
Aug 26	4.18
Aug 26	4.31
Aug 26	4.33
Jul 26	4.27
Jul 26	4.1
Jul 26	4.29
Jul 26	4.33
Jul 26	4.29
Jun 26	4.07
Jun 26	4.09
Jun 26	3.88
Jun 26	3.94
May 26	4.09
May 26	3.95
May 26	4.65
May 26	4.84
Apr 26	4.99
Apr 26	4.91
Apr 26	5.14
Apr 26	4.94
Apr 26	4.74
Mar 26	4.48
Mar 26	4.56
Mar 26	4.66
Mar 26	4.73
Feb 26	5.03
Feb 26	5.1
Feb 26	5.26
Feb 26	5.11
Jan 26	5.13
Jan 26	5.48
Jan 26	5.76
Jan 26	6.53
Jan 26	5.23
Dec 25	4.77
Dec 25	4.82
Dec 25	5
Dec 25	5.1
Nov 25	5.25
Nov 25	5.7
Nov 25	5.39
Nov 25	5.22
Oct 25	5.33
Oct 25	5.81
Oct 25	6.13
Oct 25	6.72
Oct 25	5.71
Sep 25	6.31
Sep 25	7.99
Sep 25	10.12
Sep 25	10.37
Aug 25	10.37
Aug 25	10.37
Aug 25	7.2
Aug 25	4.41
Aug 25	5.02
Jul 25	4.17
Jul 25	4.03
Jul 25	3.94
Jul 25	4.09
Jun 25	3.67
Jun 25	3.55
Jun 25	3.55
Jun 25	3.43
May 25	3.52
May 25	3.5
May 25	3.55
May 25	3.55
May 25	3.61
Apr 25	3.72
Apr 25	3.55
Apr 25	3.59
Mar 25	3.78
Mar 25	3.19
Mar 25	3.4
Mar 25	3.41
Feb 25	4
Feb 25	3.4
Feb 25	3.33
Feb 25	3.46
Jan 25	3.45
Jan 25	3.4
Jan 25	3.59
Jan 25	3.86
Jan 25	4
Dec 24	4.04
Dec 24	4.26
Dec 24	3.96
Dec 24	4.23
Nov 24	4.32
Nov 24	4.44
Nov 24	4.58
Nov 24	4.64
Nov 24	5.07
Oct 24	4.2
Oct 24	4.72
Oct 24	4.98

EV/EBITDA

LIFE.JK EV/EBITDA by year
Period	EV/EBITDA
Sep 26	55.41
Sep 26	55.41
Aug 26	27.23
Aug 26	8.94
Aug 26	10.1
Aug 26	10.26
Jul 26	9.77
Jul 26	8.28
Jul 26	9.93
Jul 26	10.26
Jul 26	9.93
Jun 26	11.28
Jun 26	11.48
Jun 26	9.08
Jun 26	9.68
May 26	11.48
May 26	9.88
May 26	18.11
May 26	20.32
Apr 26	22.13
Apr 26	21.12
Apr 26	23.93
Apr 26	21.52
Apr 26	19.11
Mar 26	35.83
Mar 26	36.53
Mar 26	37.38
Mar 26	37.94
Feb 26	40.49
Feb 26	41.05
Feb 26	42.46
Feb 26	41.19
Jan 26	41.33
Jan 26	44.3
Jan 26	46.7
Jan 26	53.19
Jan 26	42.18
Dec 25	16.66
Dec 25	17.02
Dec 25	18.45
Dec 25	19.17
Nov 25	20.36
Nov 25	23.82
Nov 25	21.43
Nov 25	20.12
Oct 25	20.96
Oct 25	24.65
Oct 25	27.16
Oct 25	31.69
Oct 25	23.94
Sep 25	37.04
Sep 25	53.5
Sep 25	74.42
Sep 25	76.79
Aug 25	76.79
Aug 25	76.79
Aug 25	45.79
Aug 25	18.5
Aug 25	24.43
Jul 25	16.13
Jul 25	14.79
Jul 25	13.9
Jul 25	15.38
Jun 25	12.01
Jun 25	11.03
Jun 25	11.03
Jun 25	9.92
May 25	10.78
May 25	10.54
May 25	11.03
May 25	11.03
May 25	11.52
Apr 25	12.5
Apr 25	11.03
Apr 25	11.4
Mar 25	21.43
Mar 25	14.16
Mar 25	16.7
Mar 25	16.87
Feb 25	24.14
Feb 25	16.7
Feb 25	15.85
Feb 25	17.54
Jan 25	17.37
Jan 25	16.7
Jan 25	19.06
Jan 25	22.45
Jan 25	24.14
Dec 24	34.13
Dec 24	38.06
Dec 24	32.82
Dec 24	37.53
Nov 24	39.1
Nov 24	41.2
Nov 24	43.81
Nov 24	44.86
Nov 24	52.45
Oct 24	37.01
Oct 24	46.17
Oct 24	50.88

Price/Operating Cashflow

LIFE.JK Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Sep 26	27.46
Sep 26	27.46
Aug 26	18.24
Aug 26	12.25
Aug 26	12.63
Aug 26	12.68
Jul 26	12.52
Jul 26	12.03
Jul 26	12.57
Jul 26	12.68
Jul 26	12.57
Jun 26	13.79
Jun 26	13.85
Jun 26	13.16
Jun 26	13.33
May 26	13.85
May 26	13.39
May 26	15.76
May 26	16.39
Apr 26	16.91
Apr 26	16.62
Apr 26	17.43
Apr 26	16.74
Apr 26	16.05
Mar 26	29.91
Mar 26	30.46
Mar 26	31.13
Mar 26	31.58
Feb 26	33.58
Feb 26	34.02
Feb 26	35.13
Feb 26	34.13
Jan 26	34.24
Jan 26	36.58
Jan 26	38.47
Jan 26	43.58
Jan 26	34.91
Dec 25	53.33
Dec 25	53.85
Dec 25	55.92
Dec 25	56.96
Nov 25	58.68
Nov 25	63.69
Nov 25	60.24
Nov 25	58.34
Oct 25	59.55
Oct 25	64.9
Oct 25	68.52
Oct 25	75.08
Oct 25	63.86
Mar 23	50.27
Mar 23	50.27
Mar 23	50.27
Mar 23	50.27
Feb 23	50.27
Feb 23	53.97
Feb 23	54.84
Feb 23	53.97
Jan 23	51.79
Jan 23	50.49
Jan 23	45.92
Jan 23	45.05
Dec 22	45.05
Dec 22	63.25
Dec 22	63.25
Dec 22	63.25
Dec 22	65.25
Nov 22	69.83
Nov 22	69.26
Nov 22	65.25
Nov 22	70.12
Oct 22	70.69
Oct 22	70.98
Oct 22	63.82
Oct 22	67.54
Sep 22	67.54
Sep 22	76.15
Sep 22	78.41
Sep 22	78.41
Sep 22	78.73
Aug 22	77.11
Aug 22	77.11
Aug 22	80.02
Aug 22	81.31
Jul 22	83.89
Jul 22	83.89
Jul 22	74.86
Jul 22	74.86
Jul 22	74.86
Jun 22	110.03
Jun 22	110.03
Jun 22	110.03
Jun 22	110.03
May 22	110.03
May 22	108.17
May 22	104.44
Apr 22	110.03
Apr 22	107.7
Apr 22	100.71
Apr 22	100.24

Price to Book

LIFE.JK Price to Book by year
Period	Price to Book
Sep 26	3.18
Sep 26	3.18
Aug 26	2.11
Aug 26	1.42
Aug 26	1.46
Aug 26	1.47
Jul 26	1.45
Jul 26	1.39
Jul 26	1.46
Jul 26	1.47
Jul 26	1.46
Jun 26	1.47
Jun 26	1.48
Jun 26	1.41
Jun 26	1.43
May 26	1.48
May 26	1.43
May 26	1.68
May 26	1.75
Apr 26	1.81
Apr 26	1.78
Apr 26	1.86
Apr 26	1.79
Apr 26	1.71
Mar 26	1.67
Mar 26	1.7
Mar 26	1.74
Mar 26	1.76
Feb 26	1.87
Feb 26	1.9
Feb 26	1.96
Feb 26	1.9
Jan 26	1.91
Jan 26	2.04
Jan 26	2.15
Jan 26	2.43
Jan 26	1.95
Dec 25	1.95
Dec 25	1.97
Dec 25	2.04
Dec 25	2.08
Nov 25	2.15
Nov 25	2.33
Nov 25	2.2
Nov 25	2.13
Oct 25	2.18
Oct 25	2.37
Oct 25	2.5
Oct 25	2.74
Oct 25	2.33
Sep 25	2.85
Sep 25	3.6
Sep 25	4.57
Sep 25	4.68
Aug 25	4.68
Aug 25	4.68
Aug 25	3.25
Aug 25	1.99
Aug 25	2.26
Jul 25	1.88
Jul 25	1.82
Jul 25	1.78
Jul 25	1.85
Jun 25	1.78
Jun 25	1.73
Jun 25	1.73
Jun 25	1.67
May 25	1.71
May 25	1.7
May 25	1.73
May 25	1.73
May 25	1.76
Apr 25	1.81
Apr 25	1.73
Apr 25	1.75
Mar 25	1.87
Mar 25	1.58
Mar 25	1.68
Mar 25	1.69
Feb 25	1.98
Feb 25	1.68
Feb 25	1.65
Feb 25	1.71
Jan 25	1.71
Jan 25	1.68
Jan 25	1.78
Jan 25	1.91
Jan 25	1.98
Dec 24	1.92
Dec 24	2.03
Dec 24	1.89
Dec 24	2.01
Nov 24	2.06
Nov 24	2.11
Nov 24	2.18
Nov 24	2.21
Nov 24	2.42
Oct 24	2
Oct 24	2.25
Oct 24	2.37

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AI Analysis

PT MSIG Life Insurance Indonesia Tbk

Video analysis: LIFE.JK

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