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
 266.80 -11.6 [-4.17] 266.70 266.80 268.60 269.90 266.40 9,933,543
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 15,897.70 5,958.66 0.06 31.87 15.35 8.37 5.75 279.90 - 244.30

Legal & General Key Figures

(at previous day's close)
Market Cap.15,897.70m
Shares In Issue5,958.66m
Prev. Close278.40
PE Ratio8.37 
Dividend Yield5.75%
EPS - basic31.87p
Dividend PS15.35p
Dividend Cover2.08 
Cash Flow PS74.03p
Return On Equity (ROE)24.11%
Operating Margin5.09%
PEG Factor0.17 
EPS Growth Rate50.19%
Dividends PS Growth Rate6.97%
Net Debt479,039.01m
Gross Gearing98.43%
Quick Assets47,555.00m
Net Working Capital-m
Intangibles / Fixed Assets0.03%
Turnover PS679.53p
Pre-Tax Profit PS34.59p
Retained Profit PS17.10p
Cash PS317.50p
Net Cash PS317.50p
Net Tangible Asset Value PS *129.12p
Net Asset Value PS132.90p
Spread0.10 (0.04%) 

Legal & General Balance Sheet


Share Price Performance

Sample Period HighLow
1 week279.70266.40
4 weeks279.70253.40
12 weeks279.70248.80
1 year279.90244.30

Share Price Chart (5 years)

Legal & General Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week274.50-7.70-2.81266.4016.76276.86
4 weeks257.609.203.57253.4015.89268.67
12 weeks271.50-4.70-1.73248.8016.98261.65
26 weeks267.30-0.50-0.19248.8015.78265.46
1 year247.0019.808.02244.3015.43262.59
3 years258.008.803.41160.5016.08243.07
5 years171.5095.3055.57160.5014.60237.18

Legal & General Key Management Ratios

Legal & General Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio3.55 
PE Ratio8.37 
Tobin's Q Ratio 0.03 
Tobin's Q Ratio (excl. intangibles)0.03 
Dividend Yield5.75%
Market-to-Book Ratio2.03 
Price-to-Pre-Tax Profit PS7.71 
Price-to-Retained Profit PS15.60 
Price-to-Cash Flow PS3.60 
Price-to-Sales PS0.39 
Price-to-Net Tangible Asset Value PS2.05 
Price-to-Cash PS0.84 
Net Working Capital PS- 
Price Pct to Working Capital PS-%
Earnings Yield11.95%
Average PE12.90 
Years in average5 
PE to PE average64.91%

Legal & General Financial Ratios

(Leverage Ratios)
Debt Ratio98.43%
Debt-to-Equity Ratio62.88 
Debt-to-Equity Ratio (excl. Intgbl)64.09 
Debt-to-Equity Market Value31.32 
Net Gearing94.69%
Net Gearing (excl. Intangibles)94.72%
Gross Gearing98.43%
Gross Gearing (excl. Intangibles)98.46%
Gearing Under 1 Year-%
Gearing Under 1 Year (excl. Intgbl)-%
(Liquidity Ratios)
Net Working Capital to Total Assets9.40%
Current Ratio- 
Quick Ratio (Acid Test)- 
Liquidity Ratio- 
Cash & Equiv/Current Assets39.78%
(Solvency Ratios)
Enterprise Value495,012.70m
CFO/Attributable Profit2.33 
Total Debt/Equity Market Value31.32 
Total Debt/Sales12.30 
Total Debt/Pre-Tax Profit241.61 
Total Debt497,958.01m
Total Debt/Net Current Assets10.47%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth20.62%
5 yr Compound Earnings Growth15.96%
10 yr Compound Earnings Growth-%
Earn drops > 5% in 10yrs6 
Beta (60-Mnth)Beta (36-Mnth)

Legal & General Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)0.41%
Return On Assets (ROA)0.39%
Net Profit Margin4.67%
Assets Turnover0.08 
Return On Equity (ROE)24.11%
Return On Investment (ROI)0.39%
Dividend Payout Ratio48.16%
Plowback Ratio51.84%
Growth from Plowback Ratio13.26%
Net Income Of Revenues2.52%
(Asset Utilisation Multiples)
Shareholders Equity Turnover5.48 
Fixed Assets Turnover0.09 
Current Assets Turnover0.99 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales12.02 
Debt Collection Period55.47Days

Legal & General Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
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 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)
pre tax profit1,413.002.74%1,414.0011.13%1,867.002.39%2,061.005.09%m
attributable profit985.001.91%1,075.008.46%1,258.001.61%1,891.004.67%m
retained profit405.000.79%374.002.94%428.000.55%1,019.002.52%m
eps - basic (p)16.70 18.16 21.22 31.87 
eps - diluted (p)16.54 18.04 21.13 31.73 
dividends per share11.25 13.40 14.35 15.35 

Legal & General Balance Sheet

 31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)
 31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)
fixed assets fixed assets146.000.04%92.000.02%76.000.02%59.000.01%m
intangibles intangibles421.000.11%375.000.09%166.000.04%149.000.03%m
fixed investments fixed investments370,850.9992.82%364,032.0091.74%433,374.9992.63%458,114.0190.56%m
current assets - other current assets - other2,249.000.56%3,618.000.91%2,265.000.48%22,584.004.46%m
stocks stocks--%--%--%--%m
debtors debtors3,177.000.80%8,005.002.02%6,255.001.34%6,052.001.20%m
cash & securities cash & securities22,709.005.68%20,677.005.21%25,717.005.50%18,919.003.74%m
creditors - short creditors - short--%--%--%--%m
creditors - long creditors - long--%--%--%--%m
creditors - other creditors - other336,795.0184.29%334,734.0084.36%393,998.0184.21%435,640.0186.12%m
subordinated loans subordinated loans--%--%--%--%m
insurance funds insurance funds56,455.0014.13%55,372.0013.95%66,573.0014.23%62,318.0012.32%m
ord cap, reserves ord cap, reserves6,028.001.51%6,404.001.61%6,945.001.48%7,843.001.55%m
prefs, minorities prefs, minorities275.000.07%289.000.07%338.000.07%76.000.02%m
NAV Basic- - - - 
NAV Diluted- - - - 

Legal & General Cash Flow Statement

31 Dec 2014 (GBP)31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)
Operating CF5,487.00-823.005,936.004,411.00m
Pre-Financing CF5,348.00-1,005.005,556.004,397.00m
Retained CF5,270.00-1,537.004,608.003,912.00m

Legal & General Brokers

Evolution Securities LimitedMarket Maker(MME)Broker/DealerEVOEVBGGB21MMT
Winterflood Securities LtdMarket Maker(MME)Broker/DealerWINSWNTSGB2LBIC
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P:42 V:gb D:20180426 12:57:54