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

Europe • Frankfurt Stock Exchange • FRA:LGI • GB0005603997

3.13 EUR
+0.04 (+1.29%)
Last: Feb 2, 2026, 07:00 PM
Fundamental Rating

3

Overall LGI gets a fundamental rating of 3 out of 10. We evaluated LGI against 47 industry peers in the Insurance industry. While LGI seems to be doing ok healthwise, there are quite some concerns on its profitability. LGI is valued expensive and it does not seem to be growing. LGI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year LGI was profitable.
  • In the past year LGI has reported a negative cash flow from operations.
  • In the past 5 years LGI has always been profitable.
  • In multiple years LGI reported negative operating cash flow during the last 5 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

  • LGI has a Return On Assets of 0.05%. This is amonst the worse of the industry: LGI underperforms 85.11% of its industry peers.
  • The Return On Equity of LGI (11.78%) is worse than 61.70% of its industry peers.
  • LGI has a Return On Invested Capital of 0.12%. This is in the lower half of the industry: LGI underperforms 63.83% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for LGI 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

  • Looking at the Profit Margin, with a value of 1.02%, LGI is doing worse than 87.23% of the companies in the same industry.
  • In the last couple of years the Profit Margin of LGI has declined.
  • LGI has a Operating Margin of 3.33%. This is in the lower half of the industry: LGI underperforms 78.72% 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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5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
  • Compared to 1 year ago, LGI has an improved debt to assets ratio.
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.
  • Looking at the Altman-Z score, with a value of 0.10, LGI is in the better half of the industry, outperforming 72.34% of the companies in the same industry.
  • LGI has a Debt/Equity ratio of 1.94. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.94, LGI is not doing good in the industry: 87.23% 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
WACC8.03%
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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3

3. Growth

3.1 Past

  • LGI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -31.21%.
  • The Earnings Per Share has been decreasing by -8.59% on average over the past years.
  • LGI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -35.67%.
  • The Revenue for LGI have been decreasing by -13.35% on average. This is quite bad
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

  • LGI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.10% yearly.
  • 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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3

4. Valuation

4.1 Price/Earnings Ratio

  • LGI is valuated correctly with a Price/Earnings ratio of 14.23.
  • Compared to the rest of the industry, the Price/Earnings ratio of LGI is on the same level as its industry peers.
  • LGI's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.41.
  • A Price/Forward Earnings ratio of 10.86 indicates a reasonable valuation of LGI.
  • LGI's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 25.64. LGI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.23
Fwd PE 10.86
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)1.85
PEG (5Y)N/A
EPS Next 2Y13.5%
EPS Next 3Y12.18%

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7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 8.08%, LGI is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.09, LGI pays a better dividend. On top of this LGI pays more dividend than 95.74% of the companies listed in the same industry.
  • LGI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 8.08%

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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LEGAL & GENERAL GROUP PLC

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

3.13

+0.04 (+1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-06
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 8.08%
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)1.77%
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 10.86
P/S 0.55
P/FCF N/A
P/OCF N/A
P/B 6.41
P/tB 7.64
EV/EBITDA N/A
EPS(TTM)0.22
EY7.03%
EPS(NY)0.29
Fwd EY9.21%
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)-0.3
OCFYN/A
SpS5.65
BVpS0.49
TBVpS0.41
PEG (NY)1.85
PEG (5Y)N/A
Graham Number1.56
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 6.41.


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.