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

FRA:LGI • GB0005603997

3.04 EUR
0 (0%)
Last: Mar 5, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This LGI.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

LGI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 46 industry peers in the Insurance industry. While LGI seems to be doing ok healthwise, there are quite some concerns on its profitability. LGI does not seem to be growing, but still is valued expensively. Finally LGI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

1

1. LGI.DE Profitability Analysis

1.1 Basic Checks

  • LGI had positive earnings in the past year.
  • LGI had a negative operating cash flow in the past year.
  • In the past 5 years LGI has always 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

  • Looking at the Return On Assets, with a value of 0.05%, LGI is doing worse than 84.78% of the companies in the same industry.
  • With a Return On Equity value of 11.78%, LGI is not doing good in the industry: 67.39% of the companies in the same industry are doing better.
  • With a Return On Invested Capital value of 0.12%, LGI is not doing good in the industry: 60.87% of the companies in the same industry are doing better.
  • The Average Return On Invested Capital over the past 3 years for LGI is below the industry average of 3.09%.
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 has a worse Profit Margin (1.02%) than 86.96% of its industry peers.
  • LGI's Profit Margin has declined in the last couple of years.
  • The Operating Margin of LGI (3.33%) is worse than 78.26% of its industry peers.
  • LGI's Operating Margin has declined in the last couple of years.
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. LGI.DE Health Analysis

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
  • Compared to 5 years ago, LGI has less shares outstanding
  • The debt/assets ratio for LGI has been reduced compared to a year ago.
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

  • Based on the Altman-Z score of 0.10, we must say that LGI is in the distress zone and has some risk of bankruptcy.
  • LGI has a better Altman-Z score (0.10) than 71.74% of its industry peers.
  • A Debt/Equity ratio of 1.94 is on the high side and indicates that LGI has dependencies on debt financing.
  • With a Debt to Equity ratio value of 1.94, LGI is not doing good in the industry: 86.96% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.94
Debt/FCF N/A
Altman-Z 0.1
ROIC/WACC0.01
WACC8%
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

  • A Current Ratio of 72.04 indicates that LGI has no problem at all paying its short term obligations.
  • With an excellent Current ratio value of 72.04, LGI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • A Quick Ratio of 72.04 indicates that LGI has no problem at all paying its short term obligations.
  • LGI has a Quick ratio of 72.04. This is amongst the best in the industry. LGI outperforms 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. LGI.DE Growth Analysis

3.1 Past

  • The earnings per share for LGI have decreased strongly by -31.21% in the last year.
  • LGI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.59% yearly.
  • 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

  • Based on estimates for the next years, LGI will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.18% on average per year.
  • LGI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.34% yearly.
EPS Next Y7.67%
EPS Next 2Y13.5%
EPS Next 3Y12.18%
EPS Next 5Y9.18%
Revenue Next Year-7%
Revenue Next 2Y-0.16%
Revenue Next 3Y0.34%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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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3

4. LGI.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • LGI is valuated correctly with a Price/Earnings ratio of 13.82.
  • LGI's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 26.69, LGI is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 10.59, the valuation of LGI can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of LGI is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of LGI to the average of the S&P500 Index (24.79), we can say LGI is valued rather cheaply.
Industry RankSector Rank
PE 13.82
Fwd PE 10.59
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 an expensive valuation of the company.
  • LGI's earnings are expected to grow with 12.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.8
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. LGI.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.84%, LGI is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.03, LGI pays a better dividend. On top of this LGI pays more dividend than 95.65% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, LGI pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.84%

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

  • LGI pays out 441.55% of its income as dividend. 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

More info and screens

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LGI.DE Fundamentals: All Metrics, Ratios and Statistics

LEGAL & GENERAL GROUP PLC

FRA:LGI (3/5/2026, 7:00:00 PM)

3.04

0 (0%)

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 Cap17.32B
Revenue(TTM)27.90B
Net Income(TTM)284.00M
Analysts64.76
Price Target3.17 (4.28%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.84%
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)1.3%
PT rev (3m)2.9%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-2.41%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-10.29%
Revenue NY rev (3m)1.19%
Valuation
Industry RankSector Rank
PE 13.82
Fwd PE 10.59
P/S 0.54
P/FCF N/A
P/OCF N/A
P/B 6.25
P/tB 7.45
EV/EBITDA N/A
EPS(TTM)0.22
EY7.24%
EPS(NY)0.29
Fwd EY9.45%
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)-0.3
OCFYN/A
SpS5.63
BVpS0.49
TBVpS0.41
PEG (NY)1.8
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%
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 5Y9.18%
Revenue 1Y (TTM)-35.67%
Revenue growth 3Y18.92%
Revenue growth 5Y-13.35%
Sales Q2Q%-23.25%
Revenue Next Year-7%
Revenue Next 2Y-0.16%
Revenue Next 3Y0.34%
Revenue Next 5YN/A
EBIT growth 1Y34.05%
EBIT growth 3Y-33%
EBIT growth 5Y-18.51%
EBIT Next Year-5.01%
EBIT Next 3Y0.88%
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 13.82 and the Price/Book (PB) ratio is 6.25.


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.