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: 2 1/2P
Industry Sector:LIFE INSURANCE
 Price Price Change [%] Bid Offer Open High Low Volume
 276.20 -1.2 [-0.43] 276.00 276.20 278.00 278.30 275.30 14,701,358
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 16,457.21 5,958.44 0.07 21.22 14.35 13.02 5.20 279.90 - 231.60

Legal & General Key Figures

(at previous day's close)
Market Cap.16,457.21m
Shares In Issue5,958.44m
Prev. Close277.40
PE Ratio13.02 
Dividend Yield5.20%
EPS - basic21.22p
Dividend PS14.35p
Dividend Cover1.48 
Cash Flow PS99.62p
Return On Equity (ROE)18.11%
Operating Margin2.39%
PEG Factor0.77 
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 PS1,308.55p
Pre-Tax Profit PS31.33p
Retained Profit PS7.18p
Cash PS431.61p
Net Cash PS431.61p
Net Tangible Asset Value PS *113.77p
Net Asset Value PS122.23p
Spread0.20 (0.07%) 

Legal & General Balance Sheet


Share Price Performance

Sample Period HighLow
1 week278.30272.20
4 weeks278.30267.60
12 weeks278.30259.00
1 year279.90231.60

Share Price Chart (5 years)

Legal & General Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week273.103.101.14272.2013.34275.62
4 weeks269.406.802.52267.6013.50272.45
12 weeks271.904.301.58259.0014.55268.35
26 weeks263.0013.205.02250.0014.10265.85
1 year241.3034.9014.46231.6014.88258.39
3 years262.4013.805.26160.5015.67243.49
5 years151.00125.2082.91145.8014.39232.04

Legal & General Key Management Ratios

Legal & General Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio2.73 
PE Ratio13.02 
Tobin's Q Ratio 0.04 
Tobin's Q Ratio (excl. intangibles)0.04 
Dividend Yield5.20%
Market-to-Book Ratio2.37 
Price-to-Pre-Tax Profit PS8.81 
Price-to-Retained Profit PS38.45 
Price-to-Cash Flow PS2.77 
Price-to-Sales PS0.21 
Price-to-Net Tangible Asset Value PS2.31 
Price-to-Cash PS0.64 
Net Working Capital PS- 
Price Pct to Working Capital PS-%
Earnings Yield7.68%
Average PE13.28 
Years in average5 
PE to PE average98.04%

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 Value27.99 
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)-%
(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 Value451,649.22m
CFO/Attributable Profit4.72 
Total Debt/Equity Market Value27.99 
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)

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 
Debt Collection Period33.38Days

Legal & General Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
09 Aug 2017InterimGBX4.3031/12/201631/12/201717/08/201718/08/201721/09/2017-
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)
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)
 31 Dec 2013 (GBP)31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)
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
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
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
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

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P:33 V:gb D:20180120 05:33:01