Msg Life AG (HAM:MSGL) PB Ratio: 2.13 (As of Jun. 26, 2026)


HAM:MSGL Msg Life AG HAM:MSGL
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Price €3.86
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What is Msg Life AG PB Ratio?

Msg Life AG HAM:MSGL -1.03% 10 PB Ratio is 2.13 as of Jun. 26, 2026. GuruFocus rates HAM:MSGL with a GF Score™ of 10/100.

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-26), Msg Life AG's share price is €3.86. Msg Life AG's Book Value per Share for the quarter that ended in Dec. 2023 was €1.81. Hence, Msg Life AG's PB Ratio of today is 2.13.

The historical rank and industry rank for Msg Life AG's PB Ratio or its related term are showing as below:

HAM:MSGL's PB Ratio is not ranked *
in the Software industry.
Industry Median: 2.32
* Ranked among companies with meaningful PB Ratio only.

Back to Basics: PB Ratio


Msg Life AG  (HAM:MSGL) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Msg Life AG PB Ratio Related Terms


Msg Life AG PB Ratio Historical Data

* Premium members only.

The historical data trend for Msg Life AG's PB Ratio 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.

Msg Life AG PB Ratio Chart

Msg Life AG Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.83 2.65 2.14 1.94 1.66

Msg Life AG Semi-Annual Data
Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio 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 2.83 2.65 2.14 1.94 1.66

HAM:MSGL vs CRM, UBER, NOW: PB Ratio Comparison

For the Software - Application subindustry, Msg Life AG's PB Ratio, along with its competitors' market caps and PB Ratio 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.


Msg Life AG PB Ratio vs Software Industry

For the Software industry and Technology sector, Msg Life AG's PB Ratio distribution charts can be found below:

* The bar in red indicates where Msg Life AG's PB Ratio falls into.


HAM:MSGL
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Msg Life AG HAM:MSGL
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Msg Life AG PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Msg Life AG's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2023)
=3.86/1.812
=2.13

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.

Frequently Asked Questions Learn more about PB Ratio →
What does a PB Ratio of 2.13 mean?
Msg Life AG (HAM:MSGL) has a PB Ratio of 2.13 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Msg Life AG and its competitors.
Is Msg Life AG's PB Ratio too high?
Msg Life AG's current PB Ratio is 2.13. The Software industry median PB Ratio is 2.32. Msg Life AG's value of 2.13 is 8.2% below this industry median. Overall, Msg Life AG has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Msg Life AG's PB Ratio compare to CRM and UBER?
Msg Life AG's PB Ratio of 2.13 can be compared against companies in the Software industry. The industry median PB Ratio is 2.32. Msg Life AG's value of 2.13 is 8.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Software company?
The median PB Ratio among Software companies is 2.32, based on 2,624 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Msg Life AG's current PB Ratio of 2.13 is 8.2% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Msg Life AG and its competitors. For the Software industry, the median PB Ratio is 2.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Msg Life AG's current PB Ratio is 2.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Msg Life AG stock overvalued right now?
Msg Life AG (HAM:MSGL) has a current PB Ratio of 2.13. The current PB Ratio is 2.13 and 8.2% below the Software industry median of 2.32. Msg Life AG's overall GF Score™ is 10/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Msg Life AG (HAM:MSGL), the current PB Ratio is 2.13 as of Jun. 26, 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.

Msg Life AG Business Description

Address Humboldtstrasse 35, Leinfelden-Echterdingen, BW, DEU, 70771
Msg Life AG is a Germany-based company. It is a consultant and software company for the insurance and retirement savings market. It is a provider of software, advice, and cloud solutions for life insurance companies and pension fund institutions in Europe and, in particular, health insurance companies in the United States. The company's products and services include msg. Life Factory, msg.Insurance Suite, msg.Migration System, msg.Health Factory, msg.The commission, msg.Business Partner, msg.Billing, and others. Geographically, the company exports its services to the United States of America, Austria, Switzerland, Slovenia, Portugal, Spain, and Benelux.
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