Legal & General

Legal & General (LGEN)

Company name:Legal & General
Company Description:Legal & General is a financial services company providing personal clients with a broad range of good value products available through sales consultants, IFA's, tied agents or over the telephone. Personal financial products sold include: annuities, endowments, household insurance, investment trusts, mortgages, pensions, car insurance, health insurance, investment bonds, life assurance, PEP's, and unit trusts. The group also has substantial inter-related corporate businesses, predominantly in the pensions area, products of which include: pension funds investment management, venture capital, group pensions bulk purchase annuity, and group risk insurance
EPIC:LGENTrading Currency:GBX
Market Sector:FS10ISIN:GB0005603997
Market Segment:SET1Share Type:DE
WWW Address:http://www.legalandgeneralgroup.com/Description:ORD 2 1/2P
Industry Sector:LIFE INSURANCE
 Price Price Change [%] Bid Offer Open High Low Volume
 268.90 .advfn.com/imagesnew/2/gb/up 1.1 [0.41] 268.80 269.00 267.60 271.00 267.60 12,509,318
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 16,012.07 5,954.66 0.08 21.22 14.35 12.67 5.34 279.90 - 228.30

Legal & General Key Figures

(at previous day's close)
Market Cap.16,012.07m
Shares In Issue5,954.66m
Prev. Close267.80
PE Ratio12.67 
Dividend Yield5.34%
EPS - basic21.22p
Dividend PS14.35p
Dividend Cover1.48 
Cash Flow PS99.69p
Return On Equity (ROE)18.11%
Operating Margin2.39%
PEG Factor0.75 
EPS Growth Rate16.85%
Dividends PS Growth Rate7.09%
Net Debt434,854.01m
Gross Gearing98.44%
Quick Assets34,237.00m
Net Working Capital-m
Intangibles / Fixed Assets0.04%
Turnover PS1,309.38p
Pre-Tax Profit PS31.35p
Retained Profit PS7.19p
Cash PS431.88p
Net Cash PS431.88p
Net Tangible Asset Value PS *113.84p
Net Asset Value PS122.31p
Spread0.20 (0.07%) 

Legal & General Balance Sheet

LSE:LGEN:Liabilities+EQLSE:LGEN:Assets

Share Price Performance

Sample Period HighLow
1 week271.00260.60
4 weeks275.10260.60
12 weeks275.10250.00
1 year279.90228.30

Share Price Chart (5 years)

Legal & General Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week266.202.701.01260.6014.42265.81
4 weeks267.001.900.71260.6014.08268.17
12 weeks264.904.001.51250.0013.35262.53
26 weeks248.8020.108.08244.3014.72261.81
1 year235.3033.6014.28228.3015.10253.99
3 years244.9024.009.80160.5015.52242.24
5 years142.80126.1088.31141.8014.22228.91

Legal & General Key Management Ratios

Legal & General Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio2.66 
PE Ratio12.67 
Tobin's Q Ratio 0.04 
Tobin's Q Ratio (excl. intangibles)0.04 
Dividend Yield5.34%
Market-to-Book Ratio2.31 
Price-to-Pre-Tax Profit PS8.58 
Price-to-Retained Profit PS37.41 
Price-to-Cash Flow PS2.70 
Price-to-Sales PS0.21 
Price-to-Net Tangible Asset Value PS2.25 
Price-to-Cash PS0.62 
Net Working Capital PS- 
Price Pct to Working Capital PS-%
Earnings Yield7.89%
Average PE13.28 
Years in average5 
PE to PE average95.45%

Legal & General Financial Ratios

(Leverage Ratios)
Debt Ratio98.44%
Debt-to-Equity Ratio63.24 
Debt-to-Equity Ratio (excl. Intgbl)64.71 
Debt-to-Equity Market Value28.76 
Net Gearing92.95%
Net Gearing (excl. Intangibles)92.98%
Gross Gearing98.44%
Gross Gearing (excl. Intangibles)98.48%
Gearing Under 1 Year-%
Gearing Under 1 Year (excl. Intgbl)-%
Assets/Equity64.24 
Cash/Equity353.11 
(Liquidity Ratios)
Net Working Capital to Total Assets7.32%
Current Ratio- 
Quick Ratio (Acid Test)- 
Liquidity Ratio- 
Cash & Equiv/Current Assets75.11%
(Solvency Ratios)
Enterprise Value451,204.08m
CFO/Sales0.08 
CFO/Attributable Profit4.72 
CFO/Assets0.01 
CFO/Debt0.01 
Total Debt/Equity Market Value28.76 
Total Debt/Sales5.91 
Total Debt/Pre-Tax Profit246.69 
Total Debt460,571.01m
Total Debt/Net Current Assets13.45%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth8.31%
5 yr Compound Earnings Growth8.83%
10 yr Compound Earnings Growth6.56%
Earn drops > 5% in 10yrs6 
Beta (60-Mnth)Beta (36-Mnth)
0.08370.0286

Legal & General Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)0.40%
Return On Assets (ROA)0.29%
Net Profit Margin1.61%
Assets Turnover0.18 
Return On Equity (ROE)18.11%
Return On Investment (ROI)0.29%
Dividend Payout Ratio67.62%
Plowback Ratio32.38%
Growth from Plowback Ratio6.10%
Net Income Of Revenues0.55%
(Asset Utilisation Multiples)
Shareholders Equity Turnover11.68 
Fixed Assets Turnover0.20 
Current Assets Turnover2.34 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales5.54 
Debtors-to-Sales9.14%
Debt Collection Period33.38Days

Legal & General Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
08 Mar 2017FinalGBX10.3531/12/201531/12/201627/04/201728/04/201708/06/201714.35
09 Aug 2016InterimGBX4.0031/12/201531/12/201618/08/201619/08/201622/09/2016-
15 Mar 2016FinalGBX9.9531/12/201431/12/201528/04/201629/04/201609/06/201613.40
05 Aug 2015InterimGBX3.4531/12/201431/12/201513/08/201514/08/201517/09/2015-
04 Mar 2015FinalGBX8.3531/12/201331/12/201423/04/201524/04/201504/06/201511.25
06 Aug 2014InterimGBX2.9031/12/201331/12/201427/08/201429/08/201401/10/2014-
05 Mar 2014FinalGBX6.9031/12/201231/12/201323/04/201425/04/201404/06/20149.30
06 Aug 2013InterimGBX2.4031/12/201231/12/201328/08/201330/08/201330/09/2013-
14 Mar 2013FinalGBX5.6931/12/201131/12/201224/04/201326/04/201329/05/20137.65
07 Aug 2012InterimGBX1.9631/12/201131/12/201229/08/201231/08/201201/10/2012-
14 Mar 2012FinalGBX4.7431/12/201031/12/201118/04/201220/04/201223/05/20126.40
03 Aug 2011InterimGBX1.6631/12/201031/12/201107/09/201109/09/201103/10/2011-
17 Mar 2011FinalGBX3.4231/12/200931/12/201020/04/201126/04/201101/06/20114.75
04 Aug 2010InterimGBX1.3331/12/200931/12/201001/09/201003/09/201001/10/2010-

Legal & General Fundamentals

 31 Dec 2013 (GBP)31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)
turnover39,251.00100.00%51,517.00100.00%12,701.00100.00%77,969.00100.00%m
pre tax profit1,134.002.89%1,413.002.74%1,414.0011.13%1,867.002.39%m
attributable profit893.002.28%985.001.91%1,075.008.46%1,258.001.61%m
retained profit414.001.05%405.000.79%374.002.94%428.000.55%m
eps - basic (p)15.20 16.70 18.16 21.22 
eps - diluted (p)15.00 16.54 18.04 21.13 
dividends per share9.30 11.25 13.40 14.35 

Legal & General Balance Sheet

 31 Dec 2013 (GBP)31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)
LSE:LGEN:Liabilities+EQLSE:LGEN:AssetsLSE:LGEN:Liabilities+EQLSE:LGEN:AssetsLSE:LGEN:Liabilities+EQLSE:LGEN:AssetsLSE:LGEN:Liabilities+EQLSE:LGEN:Assets
 31 Dec 2013 (GBP)31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)
ASSETS
fixed assets fixed assets129.000.04%146.000.04%92.000.02%76.000.02%m
intangibles intangibles381.000.10%421.000.11%375.000.09%166.000.04%m
fixed investments fixed investments339,842.9993.58%370,850.9992.82%364,032.0091.74%433,374.9992.63%m
current assets - other current assets - other2,115.000.58%2,249.000.56%3,618.000.91%2,265.000.48%m
stocks stocks--%--%--%--%m
debtors debtors3,289.000.91%3,177.000.80%8,005.002.02%6,255.001.34%m
cash & securities cash & securities17,407.004.79%22,709.005.68%20,677.005.21%25,717.005.50%m
TOTAL363,163.99100%399,552.99100%396,799.00100%467,853.99100%m
LIABILITIES
creditors - short creditors - short--%--%--%--%m
creditors - long creditors - long--%--%--%--%m
creditors - other creditors - other310,219.0185.42%336,795.0184.29%334,734.0084.36%393,998.0184.21%m
subordinated loans subordinated loans--%--%--%--%m
insurance funds insurance funds47,245.0013.01%56,455.0014.13%55,372.0013.95%66,573.0014.23%m
TOTAL357,464.0198.43%393,250.0198.42%390,106.0098.31%460,571.0198.44%m
EQUITY
ord cap, reserves ord cap, reserves5,642.001.55%6,028.001.51%6,404.001.61%6,945.001.48%m
prefs, minorities prefs, minorities58.000.02%275.000.07%289.000.07%338.000.07%m
TOTAL5,700.001.57%6,303.001.58%6,693.001.69%7,283.001.56%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

Legal & General Cash Flow Statement

31 Dec 2013 (GBP)31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)
Operating CF1,332.005,487.00-823.005,936.00m
Pre-Financing CF1,119.005,348.00-1,005.005,556.00m
Retained CF755.005,270.00-1,537.004,608.00m

Legal & General Brokers

NameActivityTypeMnemonicCode
Evolution Securities LimitedMarket Maker(MME)Broker/DealerEVOEVBGGB21MMT
Winterflood Securities LtdMarket Maker(MME)Broker/DealerWINSWNTSGB2LBIC
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P:41 V:gb D:20171119 07:08:16