PT MSIG Life Insurance Indonesia Tbk (ISX:LIFE) FCF Margin %: 15.64% (As of Mar. 2026)


ISX:LIFE PT MSIG Life Insurance Indonesia Tbk ISX:LIFE
70 GF Score
Price Rp5,975.00
GF Value Rp7,195.44
Valuation Modestly Undervalued
! 2 Warning Signs
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What is PT MSIG Life Insurance Indonesia Tbk FCF Margin %?

PT MSIG Life Insurance Indonesia Tbk ISX:LIFE -0.83% 70 FCF Margin % is 15.64% as of Mar. 2026. GuruFocus rates ISX:LIFE with a GF Score™ of 70/100 and a GF Value™ of Rp7,195.44 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, PT MSIG Life Insurance Indonesia Tbk ranks better than 68.26% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. PT MSIG Life Insurance Indonesia Tbk's Free Cash Flow for the three months ended in Mar. 2026 was Rp87,504 Mil. PT MSIG Life Insurance Indonesia Tbk's Revenue for the three months ended in Mar. 2026 was Rp559,316 Mil. Therefore, PT MSIG Life Insurance Indonesia Tbk's FCF Margin % for the quarter that ended in Mar. 2026 was 15.64%.

As of today, PT MSIG Life Insurance Indonesia Tbk's current FCF Yield % is 4.18%.

The historical rank and industry rank for PT MSIG Life Insurance Indonesia Tbk's FCF Margin % or its related term are showing as below:

ISX:LIFE' s FCF Margin % Range Over the Past 10 Years
Min: -38.98   Med: -16.2   Max: 21.77
Current: 16.92


During the past 10 years, the highest FCF Margin % of PT MSIG Life Insurance Indonesia Tbk was 21.77%. The lowest was -38.98%. And the median was -16.20%.

ISX:LIFE's FCF Margin % is ranked better than
68.26% of 501 companies
in the Insurance industry
Industry Median: 9.6 vs ISX:LIFE: 16.92


PT MSIG Life Insurance Indonesia Tbk FCF Margin % Related Terms


PT MSIG Life Insurance Indonesia Tbk FCF Margin % Historical Data

* Premium members only.

The historical data trend for PT MSIG Life Insurance Indonesia Tbk's FCF Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

PT MSIG Life Insurance Indonesia Tbk FCF Margin % Chart

PT MSIG Life Insurance Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 21.77 -38.98 -25.62 -29.66 15.67

PT MSIG Life Insurance Indonesia Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.71 20.08 -4.44 36.75 15.64

ISX:LIFE vs AFL, MET, PRU: FCF Margin % Comparison

For the Insurance - Life subindustry, PT MSIG Life Insurance Indonesia Tbk's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


PT MSIG Life Insurance Indonesia Tbk FCF Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, PT MSIG Life Insurance Indonesia Tbk's FCF Margin % distribution charts can be found below:

* The bar in red indicates where PT MSIG Life Insurance Indonesia Tbk's FCF Margin % falls into.


ISX:LIFE
70GF Score
PT MSIG Life Insurance Indonesia Tbk ISX:LIFE
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT MSIG Life Insurance Indonesia Tbk FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

PT MSIG Life Insurance Indonesia Tbk's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=474417/3027463
=15.67 %

PT MSIG Life Insurance Indonesia Tbk's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=87504/559316
=15.64 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 15.64% mean?
PT MSIG Life Insurance Indonesia Tbk (ISX:LIFE) has a FCF Margin % of 15.64% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT MSIG Life Insurance Indonesia Tbk and its competitors. According to the industry distribution chart, PT MSIG Life Insurance Indonesia Tbk ranks #159 out of 501 companies in the Insurance industry, placing it in the top 31.7%.
Is PT MSIG Life Insurance Indonesia Tbk's FCF Margin % too high?
PT MSIG Life Insurance Indonesia Tbk's current FCF Margin % is 15.64%. The Insurance industry median FCF Margin % is 9.60. PT MSIG Life Insurance Indonesia Tbk's value of 15.64% is 62.9% above this industry median. Based on the distribution chart, PT MSIG Life Insurance Indonesia Tbk ranks #159 out of 501 companies in the Insurance industry, which is above the industry midpoint. Overall, PT MSIG Life Insurance Indonesia Tbk has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT MSIG Life Insurance Indonesia Tbk's FCF Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, PT MSIG Life Insurance Indonesia Tbk ranks #159 out of 501 companies for FCF Margin %. This puts PT MSIG Life Insurance Indonesia Tbk in the upper half of its industry. The industry median FCF Margin % is 9.60. PT MSIG Life Insurance Indonesia Tbk's value of 15.64% is 62.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT MSIG Life Insurance Indonesia Tbk's current FCF Margin % of 15.64% is 62.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT MSIG Life Insurance Indonesia Tbk and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT MSIG Life Insurance Indonesia Tbk's current FCF Margin % is 15.64%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT MSIG Life Insurance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT MSIG Life Insurance Indonesia Tbk (ISX:LIFE) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp7,195.44, compared to a current price of Rp5,975.00 — trading 17% below its estimated fair value. The current FCF Margin % is 15.64% and 62.9% above the Insurance industry median of 9.60. PT MSIG Life Insurance Indonesia Tbk's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For PT MSIG Life Insurance Indonesia Tbk (ISX:LIFE), the current FCF Margin % is 15.64% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is PT MSIG Life Insurance Indonesia Tbk (ISX:LIFE) Overvalued in 2026?

Based on GuruFocus' analysis, PT MSIG Life Insurance Indonesia Tbk stock appears to be undervalued. The current stock price of Rp5,975.00 is trading 17% below its estimated GF Value™ of Rp7,195.44. GuruFocus considers PT MSIG Life Insurance Indonesia Tbk to be Modestly Undervalued.

Key valuation signals for ISX:LIFE:

  • FCF Margin %: 15.64%
  • GF Value™: Rp7,195.44 vs. price of Rp5,975.00 (17% below fair value)
  • GF Score™: 70/100 with 2 warning signs
  • Industry Position: 62.9% above the Insurance median (#159 of 501)

No single metric tells the full story. See the ISX:LIFE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PT MSIG Life Insurance Indonesia Tbk Business Description

Address Jalan Jend. Sudirman Kav. 21, Sinarmas Land Plaza Sudirman, 6th Floor, Jakarta Selatan, IDN, 12920
PT MSIG Life Insurance Indonesia Tbk is involved in the life insurance business, including business with Sharia principles and financial institution pension funds. The firm's operating segment comprises: Health Insurance Contract, Unit Link Insurance Contract, Traditional Insurance Contract, and Mortgage Redemption Insurance (MRI) Contract. The firm generates the majority of its revenue from Health Insurance Contracts.
70GF Score

Get the complete analysis for ISX:LIFE

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp5,975.00
Price
Rp7,195.44
GF Value