Legal & General Group Plc

Legal & General (LGEN)

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Company name:Legal & General Group Plc
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
 219.40 images.advfn.com/imagesnew/2/gb/down -4.2 [-1.88] 217.00 217.20 224.00 224.70 217.00 8,389,227
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 13,090.51 5,966.51 0.06 30.92 17.57 7.10 8.01 324.70 - 138.00

Legal & General Key Figures

(at previous day's close)
Market Cap.13,090.51m
Shares In Issue5,966.51m
Prev. Close223.60
PE Ratio7.10 
Dividend Yield8.01%
EPS - basic30.92p
Dividend PS17.57p
Dividend Cover1.76 
Cash Flow PS-55.06p
Return On Equity (ROE)19.58%
Operating Margin3.23%
PEG Factor16.81 
EPS Growth Rate0.42%
Dividends PS Growth Rate7.00%
Net Debt537,261.99m
Gross Gearing98.32%
Quick Assets53,585.00m
Net Working Capital53,478.00m
Intangibles / Fixed Assets0.04%
Turnover PS1,119.35p
Pre-Tax Profit PS36.14p
Retained Profit PS14.01p
Cash PS233.35p
Net Cash PS231.56p
Net Tangible Asset Value PS *153.81p
Net Asset Value PS157.91p
Spread0.20 (0.09%) 

Legal & General Balance Sheet

LGEN:Liabilities+EQLGEN:Assets

Share Price Performance

Sample Period HighLow
1 week225.70214.00
4 weeks259.30208.80
12 weeks259.30179.90
1 year324.70138.00

Share Price Chart (5 years)

Legal & General Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week220.70-1.30-0.59214.0015.64219.02
4 weeks233.50-14.10-6.04208.8018.83228.03
12 weeks219.300.100.05179.9021.07210.07
26 weeks311.70-92.30-29.61138.0022.53221.74
1 year275.60-56.20-20.39138.0020.52239.40
3 years255.70-36.30-14.20138.0017.78253.74
5 years250.60-31.20-12.45138.0017.37246.09

Legal & General Key Management Ratios

Legal & General Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio- 
PE Ratio7.10 
Tobin's Q Ratio 0.02 
Tobin's Q Ratio (excl. intangibles)0.02 
Dividend Yield8.01%
Market-to-Book Ratio1.40 
Price-to-Pre-Tax Profit PS6.07 
Price-to-Retained Profit PS15.66 
Price-to-Cash Flow PS-3.98 
Price-to-Sales PS0.20 
Price-to-Net Tangible Asset Value PS1.42 
Price-to-Cash PS0.94 
Net Working Capital PS896.30 
Price Pct to Working Capital PS0.24%
Earnings Yield14.09%
Average PE10.45 
Years in average5 
PE to PE average67.91%

Legal & General Financial Ratios

(Leverage Ratios)
Debt Ratio98.32%
Debt-to-Equity Ratio58.49 
Debt-to-Equity Ratio (excl. Intgbl)59.69 
Debt-to-Equity Market Value42.10 
Net Gearing95.84%
Net Gearing (excl. Intangibles)95.87%
Gross Gearing98.32%
Gross Gearing (excl. Intangibles)98.35%
Gearing Under 1 Year0.02%
Gearing Under 1 Year (excl. Intgbl)0.02%
Assets/Equity59.50 
Cash/Equity147.77 
(Liquidity Ratios)
Net Working Capital to Total Assets9.54%
Current Ratio500.79 
Quick Ratio (Acid Test)500.79 
Liquidity Ratio130.12 
Cash & Equiv/Current Assets25.98%
(Solvency Ratios)
Enterprise Value550,300.50m
CFO/Sales-0.05 
CFO/Attributable Profit- 
CFO/Assets-0.01 
CFO/Debt-0.01 
Total Debt/Equity Market Value42.11 
Total Debt/Sales8.25 
Total Debt/Pre-Tax Profit255.65 
Total Debt551,184.99m
Total Debt/Net Current Assets10.31%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth-%
5 yr Compound Earnings Growth11.23%
10 yr Compound Earnings Growth8.19%
Earn drops > 5% in 10yrs7 
Beta (60-Mnth)Beta (36-Mnth)
0.05790.0802

Legal & General Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)0.38%
Return On Assets (ROA)0.35%
Net Profit Margin2.75%
Assets Turnover0.13 
Return On Equity (ROE)19.58%
Return On Investment (ROI)0.35%
Dividend Payout Ratio56.82%
Plowback Ratio43.18%
Growth from Plowback Ratio8.82%
Net Income Of Revenues1.25%
(Asset Utilisation Multiples)
Shareholders Equity Turnover7.44 
Fixed Assets Turnover0.14 
Current Assets Turnover1.24 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales7.88 
Debtors-to-Sales19.15%
Debt Collection Period69.88Days

Legal & General Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
04 Mar 2020FinalGBX12.6431/12/201831/12/201923/04/202024/04/202004/06/202017.57
07 Aug 2019InterimGBX4.9331/12/201831/12/201915/08/201916/08/201926/09/2019-
06 Mar 2019FinalGBX11.8231/12/201731/12/201825/04/201926/04/201906/06/201916.42
09 Aug 2018InterimGBX4.6031/12/201731/12/201816/08/201817/08/201827/09/2018-
07 Mar 2018FinalGBX11.0531/12/201631/12/201726/04/201827/04/201807/06/201815.35
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 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
turnover77,969.00100.00%40,491.00100.00%1,264.00100.00%66,786.00100.00%m
pre tax profit1,867.002.39%2,061.005.09%2,102.00166.30%2,156.003.23%m
attributable profit1,258.001.61%1,891.004.67%1,827.00144.54%1,834.002.75%m
retained profit428.000.55%1,019.002.52%895.0070.81%836.001.25%m
eps - basic (p)21.22 31.87 30.79 30.92 
eps - diluted (p)21.13 31.73 30.64 30.75 
dividends per share14.35 15.35 16.42 17.57 

Legal & General Balance Sheet

 31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
LGEN:Liabilities+EQLGEN:AssetsLGEN:Liabilities+EQLGEN:AssetsLGEN:Liabilities+EQLGEN:AssetsLGEN:Liabilities+EQLGEN:Assets
 31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
ASSETS
fixed assets fixed assets76.000.02%59.000.01%57.000.01%298.000.05%m
intangibles intangibles166.000.04%149.000.03%288.000.06%190.000.03%m
fixed investments fixed investments433,374.9992.63%458,114.0190.56%437,862.0188.90%506,534.0090.35%m
current assets - other current assets - other2,265.000.48%22,584.004.46%26,234.005.33%24,844.004.43%m
stocks stocks--%--%--%--%m
debtors debtors6,255.001.34%6,052.001.20%10,755.002.18%14,818.002.64%m
cash & securities cash & securities25,717.005.50%18,919.003.74%17,321.003.52%13,923.002.48%m
TOTAL467,853.99100%505,877.01100%492,517.01100%560,607.00100%m
LIABILITIES
creditors - short creditors - short--%--%--%107.000.02%m
creditors - long creditors - long--%--%--%--%m
creditors - other creditors - other393,998.0184.21%435,640.0186.12%419,158.0085.11%473,760.9984.51%m
subordinated loans subordinated loans--%--%--%--%m
insurance funds insurance funds66,573.0014.23%62,318.0012.32%64,707.0013.14%77,317.0013.79%m
TOTAL460,571.0198.44%497,958.0198.43%483,865.0098.24%551,184.9998.32%m
EQUITY
ord cap, reserves ord cap, reserves6,945.001.48%7,843.001.55%8,580.001.74%9,367.001.67%m
prefs, minorities prefs, minorities338.000.07%76.000.02%72.000.01%55.000.01%m
TOTAL7,283.001.56%7,919.001.57%8,652.001.76%9,422.001.68%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

Legal & General Cash Flow Statement

31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
Operating CF5,936.004,411.00-361.00-3,285.00m
Pre-Financing CF5,556.004,397.00-642.00-3,147.00m
Retained CF4,608.003,912.00-847.00-3,839.00m

Legal & General Brokers

NameActivityTypeMnemonicCode
Evolution Securities LimitedMarket Maker(MME)Broker/DealerEVOEVBGGB21MMT
Winterflood Securities LtdMarket Maker(MME)Broker/DealerWINSWNTSGB2LBIC
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