Legal & General Group Plc

Legal & General (LGEN)

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:FE10ISIN:GB0005603997
Market Segment:SET1Share Type:DE
WWW Address: 2 1/2P
Industry Sector:LIFE INSURANCE
 Price Price Change [%] Bid Offer Open High Low Volume
 259.30 -10.4 [-3.86] 258.00 258.30 263.40 266.70 258.00 24,368,795
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 15,473.37 5,967.36 0.08 30.92 17.57 8.39 6.78 288.70 - 138.00

Legal & General Key Figures

(at previous day's close)
Market Cap.15,473.37m
Shares In Issue5,967.36m
Prev. Close269.70
PE Ratio8.39 
Dividend Yield6.78%
EPS - basic30.92p
Dividend PS17.57p
Dividend Cover1.76 
Cash Flow PS-55.05p
Return On Equity (ROE)19.58%
Operating Margin3.23%
PEG Factor19.86 
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 PS1,119.19p
Pre-Tax Profit PS36.13p
Retained Profit PS14.01p
Cash PS233.32p
Net Cash PS231.53p
Net Tangible Asset Value PS *153.79p
Net Asset Value PS157.89p
Spread0.30 (0.12%) 

Legal & General Balance Sheet


Share Price Performance

Sample Period HighLow
1 week275.40258.00
4 weeks275.40243.80
12 weeks281.50237.90
1 year288.70138.00

Share Price Chart (5 years)

Legal & General Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week262.80-3.50-1.33258.0011.39267.99
4 weeks246.2013.105.32243.8013.38261.44
12 weeks261.30-2.00-0.77237.9014.54261.23
26 weeks220.6038.7017.54176.3516.91231.49
1 year283.30-24.00-8.47138.0019.62218.44
3 years260.10-0.80-0.31138.0018.00247.19
5 years221.6037.7017.01138.0017.48243.94

Legal & General Key Management Ratios

Legal & General Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio- 
PE Ratio8.39 
Tobin's Q Ratio 0.03 
Tobin's Q Ratio (excl. intangibles)0.03 
Dividend Yield6.78%
Market-to-Book Ratio1.65 
Price-to-Pre-Tax Profit PS7.18 
Price-to-Retained Profit PS18.51 
Price-to-Cash Flow PS-4.71 
Price-to-Sales PS0.23 
Price-to-Net Tangible Asset Value PS1.68 
Price-to-Cash PS1.11 
Net Working Capital PS896.17 
Price Pct to Working Capital PS0.29%
Earnings Yield11.92%
Average PE10.45 
Years in average5 
PE to PE average80.26%

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 Value35.61 
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%
(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 Value552,683.36m
CFO/Attributable Profit- 
Total Debt/Equity Market Value35.62 
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)

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 
Debt Collection Period69.88Days

Legal & General Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
05 Aug 2020InterimGBX4.9331/12/201931/12/202013/08/202014/08/202024/09/2020-
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)
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)
 31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
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
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
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
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

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