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:http://www.legalandgeneralgroup.com/Description:ORD 2 1/2P
Industry Sector:LIFE INSURANCE
 Price Price Change [%] Bid Ask Open High Low Volume
 291.60 images.advfn.com/imagesnew/2/us/down -3.8 [-1.29] 291.60 291.70 295.50 296.00 291.10 1,411,430
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 17,400.83 5,967.36 0.08 27.00 17.57 10.80 6.03 299.20 - 237.90

Legal & General Key Figures

(at previous day's close)
Market Cap.17,400.83m
Shares In Issue5,967.36m
Prev. Close295.40
PE Ratio10.80 
Dividend Yield6.03%
EPS - basic27.00p
Dividend PS17.57p
Dividend Cover1.54 
Cash Flow PS72.08p
Return On Equity (ROE)16.91%
Operating Margin2.98%
PEG Factor-0.85 
EPS Growth Rate-12.68%
Dividends PS Growth Rate-%
Net Debt542,579.01m
Gross Gearing98.25%
Quick Assets28,135.00m
Net Working Capital28,074.00m
Intangibles / Fixed Assets0.01%
Turnover PS841.76p
Pre-Tax Profit PS25.12p
Retained Profit PS9.37p
Cash PS301.98p
Net Cash PS300.95p
Net Tangible Asset Value PS *158.09p
Net Asset Value PS167.01p
Spread0.10 (0.03%) 

Legal & General Balance Sheet


Share Price Performance

Sample Period HighLow
1 week296.00281.80
4 weeks298.90279.80
12 weeks298.90268.50
1 year299.20237.90

Share Price Chart (5 years)

Legal & General Historic Returns

Giorni da oggi OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week283.707.902.78281.809.17288.97
4 weeks294.30-2.70-0.92279.8012.77289.42
12 weeks281.4010.203.62268.5012.54285.47
26 weeks280.4011.203.99249.0012.35276.70
1 year255.7035.9014.04237.9013.04274.10
3 years230.3061.3026.62138.0016.54249.73
5 years246.0045.6018.54138.0016.43253.27

Legal & General Key Management Ratios

Legal & General Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio3.98 
PE Ratio10.80 
Tobin's Q Ratio 0.03 
Tobin's Q Ratio (excl. intangibles)0.03 
Dividend Yield6.03%
Market-to-Book Ratio1.83 
Price-to-Pre-Tax Profit PS11.61 
Price-to-Retained Profit PS31.13 
Price-to-Cash Flow PS4.05 
Price-to-Sales PS0.35 
Price-to-Net Tangible Asset Value PS1.76 
Price-to-Cash PS0.97 
Net Working Capital PS470.46 
Price Pct to Working Capital PS0.62%
Earnings Yield9.26%
Average PE9.47 
Years in average5 
PE to PE average114.03%

Legal & General Financial Ratios

(Leverage Ratios)
Debt Ratio98.25%
Debt-to-Equity Ratio56.25 
Debt-to-Equity Ratio (excl. Intgbl)56.63 
Debt-to-Equity Market Value32.21 
Net Gearing95.10%
Net Gearing (excl. Intangibles)95.11%
Gross Gearing98.25%
Gross Gearing (excl. Intangibles)98.27%
Gearing Under 1 Year0.01%
Gearing Under 1 Year (excl. Intgbl)0.01%
(Liquidity Ratios)
Net Working Capital to Total Assets4.92%
Current Ratio461.23 
Quick Ratio (Acid Test)461.23 
Liquidity Ratio295.41 
Cash & Equiv/Current Assets64.05%
(Solvency Ratios)
Enterprise Value560,382.84m
CFO/Attributable Profit2.68 
Total Debt/Equity Market Value32.22 
Total Debt/Sales11.16 
Total Debt/Pre-Tax Profit373.98 
Total Debt560,599.01m
Total Debt/Net Current Assets19.97%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth-%
5 yr Compound Earnings Growth4.94%
10 yr Compound Earnings Growth8.04%
Earn drops > 5% in 10yrs8 
Beta (60-Mnth)Beta (36-Mnth)

Legal & General Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)0.26%
Return On Assets (ROA)0.28%
Net Profit Margin3.20%
Assets Turnover0.09 
Return On Equity (ROE)16.91%
Return On Investment (ROI)0.28%
Dividend Payout Ratio65.07%
Plowback Ratio34.93%
Growth from Plowback Ratio5.95%
Net Income Of Revenues1.11%
(Asset Utilisation Multiples)
Shareholders Equity Turnover5.32 
Fixed Assets Turnover0.10 
Current Assets Turnover1.23 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales11.26 
Debt Collection Period90.59Days

Legal & General Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
04 Aug 2021InterimGBX5.1812/31/202012/31/202108/12/202108/13/202109/20/2021-
10 Mar 2021FinalGBX12.6412/31/201912/31/202004/15/202104/16/202105/27/202117.57
05 Aug 2020InterimGBX4.9312/31/201912/31/202008/13/202008/14/202009/24/2020-
04 Mar 2020FinalGBX12.6412/31/201812/31/201904/23/202004/24/202006/04/202017.57
07 Aug 2019InterimGBX4.9312/31/201812/31/201908/15/201908/16/201909/26/2019-
06 Mar 2019FinalGBX11.8212/31/201712/31/201804/25/201904/26/201906/06/201916.42
09 Aug 2018InterimGBX4.6012/31/201712/31/201808/16/201808/17/201809/27/2018-
07 Mar 2018FinalGBX11.0512/31/201612/31/201704/26/201804/27/201806/07/201815.35
09 Aug 2017InterimGBX4.3012/31/201612/31/201708/17/201708/18/201709/21/2017-
08 Mar 2017FinalGBX10.3512/31/201512/31/201604/27/201704/28/201706/08/201714.35
09 Aug 2016InterimGBX4.0012/31/201512/31/201608/18/201608/19/201609/22/2016-
15 Mar 2016FinalGBX9.9512/31/201412/31/201504/28/201604/29/201606/09/201613.40
05 Aug 2015InterimGBX3.4512/31/201412/31/201508/13/201508/14/201509/17/2015-
04 Mar 2015FinalGBX8.3512/31/201312/31/201404/23/201504/24/201506/04/201511.25
06 Aug 2014InterimGBX2.9012/31/201312/31/201408/27/201408/29/201410/01/2014-
05 Mar 2014FinalGBX6.9012/31/201212/31/201304/23/201404/25/201406/04/20149.30
06 Aug 2013InterimGBX2.4012/31/201212/31/201308/28/201308/30/201309/30/2013-
14 Mar 2013FinalGBX5.6912/31/201112/31/201204/24/201304/26/201305/29/20137.65
07 Aug 2012InterimGBX1.9612/31/201112/31/201208/29/201208/31/201210/01/2012-
14 Mar 2012FinalGBX4.7412/31/201012/31/201104/18/201204/20/201205/23/20126.40
03 Aug 2011InterimGBX1.6612/31/201012/31/201109/07/201109/09/201110/03/2011-
17 Mar 2011FinalGBX3.4212/31/200912/31/201004/20/201104/26/201106/01/20114.75
04 Aug 2010InterimGBX1.3312/31/200912/31/201009/01/201009/03/201010/01/2010-

Legal & General Fundamentals

 31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)
pre tax profit2,061.005.09%2,102.00166.30%2,156.003.23%1,499.002.98%m
attributable profit1,891.004.67%1,827.00144.54%1,834.002.75%1,607.003.20%m
retained profit1,019.002.52%895.0070.81%836.001.25%559.001.11%m
eps - basic (p)31.87 30.79 30.92 27.00 
eps - diluted (p)31.73 30.64 30.75 25.60 
dividends per share15.35 16.42 17.57 17.57 

Legal & General Balance Sheet

 31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)
 31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)
fixed assets fixed assets59.000.01%57.000.01%298.000.05%274.000.05%m
intangibles intangibles149.000.03%288.000.06%190.000.03%68.000.01%m
fixed investments fixed investments458,114.0190.56%437,862.0188.90%506,534.0090.35%542,088.0095.01%m
current assets - other current assets - other22,584.004.46%26,234.005.33%24,844.004.43%--%m
stocks stocks--%--%--%--%m
debtors debtors6,052.001.20%10,755.002.18%14,818.002.64%10,115.001.77%m
cash & securities cash & securities18,919.003.74%17,321.003.52%13,923.002.48%18,020.003.16%m
creditors - short creditors - short--%--%107.000.02%61.000.01%m
creditors - long creditors - long--%--%--%--%m
creditors - other creditors - other435,640.0186.12%419,158.0085.11%473,760.9984.51%471,509.0182.64%m
subordinated loans subordinated loans--%--%--%--%m
insurance funds insurance funds62,318.0012.32%64,707.0013.14%77,317.0013.79%89,029.0015.60%m
ord cap, reserves ord cap, reserves7,843.001.55%8,580.001.74%9,367.001.67%9,502.001.67%m
prefs, minorities prefs, minorities76.000.02%72.000.01%55.000.01%464.000.08%m
NAV Basic- - - - 
NAV Diluted- - - - 

Legal & General Cash Flow Statement

31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)31 Dec 2020 (GBP)
Operating CF4,411.00-361.00-3,285.004,301.00m
Pre-Financing CF4,397.00-642.00-3,147.003,844.00m
Retained CF3,912.00-847.00-3,839.003,815.00m

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P: V:us D:20211209 12:57:05