LEGAL & GENERAL GROUP PLC (LGI.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:LGI • GB0005603997

3.13 EUR
+0.05 (+1.62%)
Last: Feb 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall LGI gets a fundamental rating of 3 out of 10. We evaluated LGI against 43 industry peers in the Insurance industry. LGI scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. LGI has a expensive valuation and it also scores bad on growth. Finally LGI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • LGI had positive earnings in the past year.
  • LGI had a negative operating cash flow in the past year.
  • Each year in the past 5 years LGI has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: LGI reported negative operating cash flow in multiple years.
LGI.DE Yearly Net Income VS EBIT VS OCF VS FCFLGI.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B

1.2 Ratios

  • With a Return On Assets value of 0.05%, LGI is not doing good in the industry: 88.37% of the companies in the same industry are doing better.
  • LGI has a worse Return On Equity (11.78%) than 65.12% of its industry peers.
  • The Return On Invested Capital of LGI (0.12%) is worse than 67.44% of its industry peers.
  • LGI had an Average Return On Invested Capital over the past 3 years of 0.13%. This is below the industry average of 2.92%.
Industry RankSector Rank
ROA 0.05%
ROE 11.78%
ROIC 0.12%
ROA(3y)0.09%
ROA(5y)0.18%
ROE(3y)9.64%
ROE(5y)12.73%
ROIC(3y)0.13%
ROIC(5y)0.2%
LGI.DE Yearly ROA, ROE, ROICLGI.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

  • LGI's Profit Margin of 1.02% is on the low side compared to the rest of the industry. LGI is outperformed by 90.70% of its industry peers.
  • LGI's Profit Margin has declined in the last couple of years.
  • LGI has a Operating Margin of 3.33%. This is amonst the worse of the industry: LGI underperforms 81.40% of its industry peers.
  • In the last couple of years the Operating Margin of LGI has declined.
Industry RankSector Rank
OM 3.33%
PM (TTM) 1.02%
GM N/A
OM growth 3Y-43.66%
OM growth 5Y-5.96%
PM growth 3Y-61.88%
PM growth 5Y-26.59%
GM growth 3YN/A
GM growth 5YN/A
LGI.DE Yearly Profit, Operating, Gross MarginsLGI.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 200 400 600 800 1K

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), LGI is destroying value.
  • Compared to 1 year ago, LGI has less shares outstanding
  • The number of shares outstanding for LGI has been reduced compared to 5 years ago.
  • LGI has a better debt/assets ratio than last year.
LGI.DE Yearly Shares OutstandingLGI.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B
LGI.DE Yearly Total Debt VS Total AssetsLGI.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

2.2 Solvency

  • LGI has an Altman-Z score of 0.10. This is a bad value and indicates that LGI is not financially healthy and even has some risk of bankruptcy.
  • LGI has a better Altman-Z score (0.10) than 69.77% of its industry peers.
  • LGI has a Debt/Equity ratio of 1.94. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of LGI (1.94) is worse than 90.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.94
Debt/FCF N/A
Altman-Z 0.1
ROIC/WACC0.01
WACC8.03%
LGI.DE Yearly LT Debt VS Equity VS FCFLGI.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B

2.3 Liquidity

  • LGI has a Current Ratio of 72.04. This indicates that LGI is financially healthy and has no problem in meeting its short term obligations.
  • LGI's Current ratio of 72.04 is amongst the best of the industry. LGI outperforms 100.00% of its industry peers.
  • LGI has a Quick Ratio of 72.04. This indicates that LGI is financially healthy and has no problem in meeting its short term obligations.
  • LGI has a better Quick ratio (72.04) than 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 72.04
Quick Ratio 72.04
LGI.DE Yearly Current Assets VS Current LiabilitesLGI.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for LGI have decreased strongly by -31.21% in the last year.
  • Measured over the past years, LGI shows a decrease in Earnings Per Share. The EPS has been decreasing by -8.59% on average per year.
  • LGI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -35.67%.
  • Measured over the past years, LGI shows a very negative growth in Revenue. The Revenue has been decreasing by -13.35% on average per year.
EPS 1Y (TTM)-31.21%
EPS 3Y-15.89%
EPS 5Y-8.59%
EPS Q2Q%-0.85%
Revenue 1Y (TTM)-35.67%
Revenue growth 3Y18.92%
Revenue growth 5Y-13.35%
Sales Q2Q%-23.25%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.10% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 3.14% on average over the next years.
EPS Next Y7.67%
EPS Next 2Y13.5%
EPS Next 3Y12.18%
EPS Next 5Y9.1%
Revenue Next Year3.67%
Revenue Next 2Y5.07%
Revenue Next 3Y3.14%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
LGI.DE Yearly Revenue VS EstimatesLGI.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20B 40B 60B
LGI.DE Yearly EPS VS EstimatesLGI.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0.1 0.2 0.3

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.23 indicates a correct valuation of LGI.
  • LGI's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.93, LGI is valued a bit cheaper.
  • LGI is valuated reasonably with a Price/Forward Earnings ratio of 10.88.
  • LGI's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 27.77. LGI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.23
Fwd PE 10.88
LGI.DE Price Earnings VS Forward Price EarningsLGI.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LGI.DE Per share dataLGI.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3 4 5

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates LGI does not grow enough to justify the current Price/Earnings ratio.
  • A more expensive valuation may be justified as LGI's earnings are expected to grow with 12.18% in the coming years.
PEG (NY)1.85
PEG (5Y)N/A
EPS Next 2Y13.5%
EPS Next 3Y12.18%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • LGI has a Yearly Dividend Yield of 8.06%, which is a nice return.
  • LGI's Dividend Yield is rather good when compared to the industry average which is at 4.23. LGI pays more dividend than 95.35% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, LGI pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.06%

5.2 History

  • The dividend of LGI has a limited annual growth rate of 4.31%.
Dividend Growth(5Y)4.31%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 441.55% of the earnings are spent on dividend by LGI. This is not a sustainable payout ratio.
  • LGI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP441.55%
EPS Next 2Y13.5%
EPS Next 3Y12.18%
LGI.DE Yearly Income VS Free CF VS DividendLGI.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B
LGI.DE Dividend Payout.LGI.DE Dividend Payout, showing the Payout Ratio.LGI.DE Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

LEGAL & GENERAL GROUP PLC

FRA:LGI (2/6/2026, 7:00:00 PM)

3.13

+0.05 (+1.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A
Earnings (Next)03-11
Inst Owners42.13%
Inst Owner ChangeN/A
Ins Owners0.69%
Ins Owner ChangeN/A
Market Cap17.83B
Revenue(TTM)27.90B
Net Income(TTM)284.00M
Analysts66.32
Price Target3.13 (0%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.06%
Yearly Dividend0.24
Dividend Growth(5Y)4.31%
DP441.55%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.97%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.75%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 14.23
Fwd PE 10.88
P/S 0.55
P/FCF N/A
P/OCF N/A
P/B 6.42
P/tB 7.66
EV/EBITDA N/A
EPS(TTM)0.22
EY7.03%
EPS(NY)0.29
Fwd EY9.19%
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)-0.3
OCFYN/A
SpS5.64
BVpS0.49
TBVpS0.41
PEG (NY)1.85
PEG (5Y)N/A
Graham Number1.55
Profitability
Industry RankSector Rank
ROA 0.05%
ROE 11.78%
ROCE 0.17%
ROIC 0.12%
ROICexc 0.12%
ROICexgc 0.12%
OM 3.33%
PM (TTM) 1.02%
GM N/A
FCFM N/A
ROA(3y)0.09%
ROA(5y)0.18%
ROE(3y)9.64%
ROE(5y)12.73%
ROIC(3y)0.13%
ROIC(5y)0.2%
ROICexc(3y)0.14%
ROICexc(5y)0.2%
ROICexgc(3y)0.47%
ROICexgc(5y)0.81%
ROCE(3y)0.19%
ROCE(5y)0.28%
ROICexgc growth 3Y-38.75%
ROICexgc growth 5Y-25.7%
ROICexc growth 3Y-31.39%
ROICexc growth 5Y-17.92%
OM growth 3Y-43.66%
OM growth 5Y-5.96%
PM growth 3Y-61.88%
PM growth 5Y-26.59%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.94
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.35%
Interest Coverage 2.57
Cash Conversion N/A
Profit Quality N/A
Current Ratio 72.04
Quick Ratio 72.04
Altman-Z 0.1
F-Score4
WACC8.03%
ROIC/WACC0.01
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.73%
Cap/Sales(5y)0.81%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-31.21%
EPS 3Y-15.89%
EPS 5Y-8.59%
EPS Q2Q%-0.85%
EPS Next Y7.67%
EPS Next 2Y13.5%
EPS Next 3Y12.18%
EPS Next 5Y9.1%
Revenue 1Y (TTM)-35.67%
Revenue growth 3Y18.92%
Revenue growth 5Y-13.35%
Sales Q2Q%-23.25%
Revenue Next Year3.67%
Revenue Next 2Y5.07%
Revenue Next 3Y3.14%
Revenue Next 5YN/A
EBIT growth 1Y34.05%
EBIT growth 3Y-33%
EBIT growth 5Y-18.51%
EBIT Next Year8.85%
EBIT Next 3Y3.48%
EBIT Next 5YN/A
FCF growth 1Y82.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y82.95%
OCF growth 3YN/A
OCF growth 5YN/A

LEGAL & GENERAL GROUP PLC / LGI.DE FAQ

What is the fundamental rating for LGI stock?

ChartMill assigns a fundamental rating of 3 / 10 to LGI.DE.


What is the valuation status of LEGAL & GENERAL GROUP PLC (LGI.DE) stock?

ChartMill assigns a valuation rating of 3 / 10 to LEGAL & GENERAL GROUP PLC (LGI.DE). This can be considered as Overvalued.


What is the profitability of LGI stock?

LEGAL & GENERAL GROUP PLC (LGI.DE) has a profitability rating of 1 / 10.


What are the PE and PB ratios of LEGAL & GENERAL GROUP PLC (LGI.DE) stock?

The Price/Earnings (PE) ratio for LEGAL & GENERAL GROUP PLC (LGI.DE) is 14.23 and the Price/Book (PB) ratio is 6.42.


What is the expected EPS growth for LEGAL & GENERAL GROUP PLC (LGI.DE) stock?

The Earnings per Share (EPS) of LEGAL & GENERAL GROUP PLC (LGI.DE) is expected to grow by 7.67% in the next year.