PT MSIG Life Insurance Indonesia Tbk (ISX:LIFE) ROC %: 0.00% (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 ROC %?

PT MSIG Life Insurance Indonesia Tbk ISX:LIFE -0.83% 70 ROC % is 0.00% 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.

ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. PT MSIG Life Insurance Indonesia Tbk's annualized return on capital (ROC %) for the quarter that ended in Mar. 2026 was 0.00%.

As of today (2026-06-27), PT MSIG Life Insurance Indonesia Tbk's WACC % is 12.20%. PT MSIG Life Insurance Indonesia Tbk's ROC % is 0.00% (calculated using TTM income statement data). PT MSIG Life Insurance Indonesia Tbk earns returns that do not match up to its cost of capital. It will destroy value as it grows.


PT MSIG Life Insurance Indonesia Tbk  (ISX:LIFE) ROC % Explanation

ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.

There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.

Why is ROC % important?

Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.

As of today, PT MSIG Life Insurance Indonesia Tbk's WACC % is 12.20%. PT MSIG Life Insurance Indonesia Tbk's ROC % is 0.00% (calculated using TTM income statement data). PT MSIG Life Insurance Indonesia Tbk earns returns that do not match up to its cost of capital. It will destroy value as it grows.


Be Aware

Like ROE % and ROA %, ROC % is calculated with only 12 months of data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.


PT MSIG Life Insurance Indonesia Tbk ROC % Related Terms


PT MSIG Life Insurance Indonesia Tbk ROC % Historical Data

* Premium members only.

The historical data trend for PT MSIG Life Insurance Indonesia Tbk's ROC % 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 ROC % Chart

PT MSIG Life Insurance Indonesia Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROC %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

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
ROC % 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 0.00 0.00 0.00 0.00 0.00
ISX:LIFE
70GF Score
PT MSIG Life Insurance Indonesia Tbk ISX:LIFE
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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PT MSIG Life Insurance Indonesia Tbk ROC % Calculation

PT MSIG Life Insurance Indonesia Tbk's annualized Return on Capital (ROC %) for the fiscal year that ended in Dec. 2025 is calculated as:

ROC % (A: Dec. 2025 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (A: Dec. 2024 ) + Invested Capital (A: Dec. 2025 ))/ count )
=0 * ( 1 - 26.77% )/( (13762087.55 + 15005768.15)/ 2 )
=0/14383927.85
=0.00 %

where

Invested Capital(A: Dec. 2024 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=14372457 - 46129 - ( 668876 - 5% * 2092711 )
=13762087.55

Invested Capital(A: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=15871202 - 15268 - ( 1001539 - 5% * 3027463 )
=15005768.15

PT MSIG Life Insurance Indonesia Tbk's annualized Return on Capital (ROC %) for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=0 * ( 1 - 0% )/( (14896006.3 + 14705343.8)/ 2 )
=0/14800675.05
=0.00 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=15871202 - 15268 - ( 1001539 - 5% * 832226 )
=14896006.3

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=15668721 - 55026 - ( 936317 - 5% * 559316 )
=14705343.8

Note: The EBIT data used here is four times the quarterly (Mar. 2026) data. The tax rate is limited to between 0% and 100%.

* 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 ROC % →
What does a ROC % of 0.00% mean?
PT MSIG Life Insurance Indonesia Tbk (ISX:LIFE) has a ROC % of 0.00% as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on PT MSIG Life Insurance Indonesia Tbk and its competitors.
Is PT MSIG Life Insurance Indonesia Tbk's ROC % too high?
PT MSIG Life Insurance Indonesia Tbk's current ROC % is 0.00%. 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 ROC % compare to AFL and MET?
PT MSIG Life Insurance Indonesia Tbk's ROC % of 0.00% can be compared against companies in the Insurance industry. The industry median ROC % is 3.36. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for an Insurance company?
The median ROC % among Insurance companies is 3.36, based on 368 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on PT MSIG Life Insurance Indonesia Tbk and its competitors. For the Insurance industry, the median ROC % is 3.36 — 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 ROC % is 0.00%. 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 ROC % is 0.00%. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For PT MSIG Life Insurance Indonesia Tbk (ISX:LIFE), the current ROC % is 0.00% 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:

  • ROC %: 0.00%
  • GF Value™: Rp7,195.44 vs. price of Rp5,975.00 (17% below fair value)
  • GF Score™: 70/100 with 2 warning signs

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

ROC % 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