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Msg Life AG (HAM:MSGL) ROA % : 8.67% (As of Dec. 2022)


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What is Msg Life AG ROA %?

ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Msg Life AG's annualized Net Income for the quarter that ended in Dec. 2022 was €9.1 Mil. Msg Life AG's average Total Assets over the quarter that ended in Dec. 2022 was €105.4 Mil. Therefore, Msg Life AG's annualized ROA % for the quarter that ended in Dec. 2022 was 8.67%.

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

HAM:MSGL' s ROA % Range Over the Past 10 Years
Min: -5.08   Med: 6.74   Max: 13.37
Current: 8.67

During the past 13 years, Msg Life AG's highest ROA % was 13.37%. The lowest was -5.08%. And the median was 6.74%.

HAM:MSGL's ROA % is ranked better than
79.19% of 2821 companies
in the Software industry
Industry Median: 0.98 vs HAM:MSGL: 8.67

Msg Life AG ROA % Historical Data

The historical data trend for Msg Life AG's ROA % 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.

* Premium members only.

Msg Life AG ROA % Chart

Msg Life AG Annual Data
Trend Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
ROA %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.94 -1.87 10.58 13.37 8.67

Msg Life AG Semi-Annual Data
Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
ROA % 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 2.94 -1.87 10.58 13.37 8.67

Competitive Comparison of Msg Life AG's ROA %

For the Software - Application subindustry, Msg Life AG's ROA %, along with its competitors' market caps and ROA % 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's ROA % Distribution in the Software Industry

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

* The bar in red indicates where Msg Life AG's ROA % falls into.



Msg Life AG ROA % Calculation

Msg Life AG's annualized ROA % for the fiscal year that ended in Dec. 2022 is calculated as:

ROA %=Net Income (A: Dec. 2022 )/( (Total Assets (A: Dec. 2021 )+Total Assets (A: Dec. 2022 ))/ count )
=9.14/( (99.499+111.291)/ 2 )
=9.14/105.395
=8.67 %

Msg Life AG's annualized ROA % for the quarter that ended in Dec. 2022 is calculated as:

ROA %=Net Income (Q: Dec. 2022 )/( (Total Assets (Q: Dec. 2021 )+Total Assets (Q: Dec. 2022 ))/ count )
=9.14/( (99.499+111.291)/ 2 )
=9.14/105.395
=8.67 %

* 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.

In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data, the Net Income data used here is one times the annual (Dec. 2022) net income data. ROA % is displayed in the 30-year financial page.


Msg Life AG  (HAM:MSGL) ROA % Explanation

ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A bank’s ROA % is typically well under 2%.

Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:

ROA %(Q: Dec. 2022 )
=Net Income/Total Assets
=9.14/105.395
=(Net Income / Revenue)*(Revenue / Total Assets)
=(9.14 / 182.905)*(182.905 / 105.395)
=Net Margin %*Asset Turnover
=5 %*1.7354
=8.67 %

Note: The Net Income data used here is one times the annual (Dec. 2022) net income data. The Revenue data used here is one times the annual (Dec. 2022) revenue data.

* 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.


Be Aware

Like ROE, ROA % is calculated with only 12 months 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. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).

Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.

E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.


Msg Life AG ROA % Related Terms

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Msg Life AG (HAM:MSGL) Business Description

Traded in Other Exchanges
N/A
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, Poland, and Benelux.

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