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

FRA:LGI • GB0005603997

Current stock price

3.14 EUR
-0.01 (-0.35%)
Last:

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

3

1. LGI.DE Profitability Analysis

1.1 Basic Checks

  • In the past year LGI was profitable.
  • In the past year LGI had a positive cash flow from operations.
  • 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 2025 0 10B -10B 20B

1.2 Ratios

  • With a Return On Assets value of 0.10%, LGI is not doing good in the industry: 86.67% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 25.93%, LGI belongs to the top of the industry, outperforming 86.67% of the companies in the same industry.
  • LGI has a worse Return On Invested Capital (0.10%) than 66.67% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for LGI is below the industry average of 3.90%.
  • The last Return On Invested Capital (0.10%) for LGI is above the 3 year average (0.08%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.1%
ROE 25.93%
ROIC 0.1%
ROA(3y)0.07%
ROA(5y)0.15%
ROE(3y)13.59%
ROE(5y)14.71%
ROIC(3y)0.08%
ROIC(5y)0.12%
LGI.DE Yearly ROA, ROE, ROICLGI.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • LGI's Profit Margin of 1.21% is on the low side compared to the rest of the industry. LGI is outperformed by 86.67% of its industry peers.
  • LGI's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 2.63%, LGI is doing worse than 77.78% of the companies in the same industry.
  • In the last couple of years the Operating Margin of LGI has declined.
Industry RankSector Rank
OM 2.63%
PM (TTM) 1.21%
GM N/A
OM growth 3Y-14.46%
OM growth 5Y-21.04%
PM growth 3Y-21.58%
PM growth 5Y-31.03%
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 2025 200 400 600 800 1K

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

7

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.
  • The number of shares outstanding for LGI has been reduced compared to 1 year ago.
  • 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 2025 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 2025 100B 200B 300B 400B 500B

2.2 Solvency

  • LGI has an Altman-Z score of 0.12. This is a bad value and indicates that LGI is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of LGI (0.12) is better than 71.11% of its industry peers.
  • LGI has a debt to FCF ratio of 1.05. This is a very positive value and a sign of high solvency as it would only need 1.05 years to pay back of all of its debts.
  • LGI has a better Debt to FCF ratio (1.05) than 82.22% of its industry peers.
  • A Debt/Equity ratio of 2.06 is on the high side and indicates that LGI has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 2.06, LGI is doing worse than 86.67% of the companies in the same industry.
  • Even though the debt/equity ratio score it not favorable for LGI, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 2.06
Debt/FCF 1.05
Altman-Z 0.12
ROIC/WACC0.01
WACC7.82%
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 2025 0 10B -10B 20B

2.3 Liquidity

  • A Current Ratio of 33.99 indicates that LGI has no problem at all paying its short term obligations.
  • With an excellent Current ratio value of 33.99, LGI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • A Quick Ratio of 33.99 indicates that LGI has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 33.99, LGI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 33.99
Quick Ratio 33.99
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 2025 2B 4B 6B 8B 10B

More info and screens

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

5

3. LGI.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 3.35% over the past year.
  • Measured over the past years, LGI shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.92% on average per year.
  • LGI shows a strong growth in Revenue. In the last year, the Revenue has grown by 52.10%.
  • The Revenue has been growing by 18.75% on average over the past years. This is quite good.
EPS 1Y (TTM)3.35%
EPS 3Y-18.12%
EPS 5Y-0.92%
EPS Q2Q%8.41%
Revenue 1Y (TTM)52.1%
Revenue growth 3Y16.16%
Revenue growth 5Y18.75%
Sales Q2Q%156.4%

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 8.95% on average per year.
  • LGI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.80% yearly.
EPS Next Y23.84%
EPS Next 2Y15.58%
EPS Next 3Y12.74%
EPS Next 5Y8.95%
Revenue Next Year0.64%
Revenue Next 2Y2.54%
Revenue Next 3Y2.8%
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 decreasing: in the next years the growth will be less 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 2028 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

More info and screens

Find the best growth stocksShow best growing peers

6

4. LGI.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • LGI is valuated correctly with a Price/Earnings ratio of 13.65.
  • The rest of the industry has a similar Price/Earnings ratio as LGI.
  • Compared to an average S&P500 Price/Earnings ratio of 27.79, LGI is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 11.00, 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.
  • LGI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.88.
Industry RankSector Rank
PE 13.65
Fwd PE 11
LGI.DE Price Earnings VS Forward Price EarningsLGI.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, LGI is valued cheaper than 93.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.44
EV/EBITDA N/A
LGI.DE Per share dataLGI.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • LGI's earnings are expected to grow with 12.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2Y15.58%
EPS Next 3Y12.74%

More info and screens

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

7

5. LGI.DE Dividend Analysis

5.1 Amount

  • LGI has a Yearly Dividend Yield of 8.14%, which is a nice return.
  • Compared to an average industry Dividend Yield of 3.89, LGI pays a better dividend. On top of this LGI pays more dividend than 97.78% 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 1.81.
Industry RankSector Rank
Dividend Yield 8.14%

5.2 History

  • The dividend of LGI has a limited annual growth rate of 4.03%.
Dividend Growth(5Y)4.03%
Div Incr Years0
Div Non Decr Years0
LGI.DE Yearly Dividends per shareLGI.DE Yearly Dividends per shareYearly Dividends per share 2026 0.05 0.1 0.15

5.3 Sustainability

  • 210.64% 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.
DP210.64%
EPS Next 2Y15.58%
EPS Next 3Y12.74%
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 2025 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

Find the best dividend stocksShow peers with best dividend

LGI.DE Fundamentals: All Metrics, Ratios and Statistics

LEGAL & GENERAL GROUP PLC

FRA:LGI (4/22/2026, 7:00:00 PM)

3.14

-0.01 (-0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-11
Earnings (Next)08-05
Inst Owners43.15%
Inst Owner ChangeN/A
Ins Owners0.68%
Ins Owner ChangeN/A
Market Cap17.80B
Revenue(TTM)49.07B
Net Income(TTM)592.00M
Analysts55.65
Price Target3.13 (-0.32%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.14%
Yearly Dividend0.25
Dividend Growth(5Y)4.03%
DP210.64%
Div Incr Years0
Div Non Decr Years0
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)-1.18%
PT rev (3m)0.11%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.17%
EPS NY rev (3m)-0.78%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-6.09%
Revenue NY rev (3m)-15.22%
Valuation
Industry RankSector Rank
PE 13.65
Fwd PE 11
P/S 0.32
P/FCF 3.44
P/OCF 3.4
P/B 6.78
P/tB 8.19
EV/EBITDA N/A
EPS(TTM)0.23
EY7.32%
EPS(NY)0.29
Fwd EY9.09%
FCF(TTM)0.91
FCFY29.07%
OCF(TTM)0.92
OCFY29.4%
SpS9.96
BVpS0.46
TBVpS0.38
PEG (NY)0.57
PEG (5Y)N/A
Graham Number1.5486 (-50.68%)
Profitability
Industry RankSector Rank
ROA 0.1%
ROE 25.93%
ROCE 0.22%
ROIC 0.1%
ROICexc 0.11%
ROICexgc 0.11%
OM 2.63%
PM (TTM) 1.21%
GM N/A
FCFM 9.17%
ROA(3y)0.07%
ROA(5y)0.15%
ROE(3y)13.59%
ROE(5y)14.71%
ROIC(3y)0.08%
ROIC(5y)0.12%
ROICexc(3y)0.09%
ROICexc(5y)0.13%
ROICexgc(3y)0.29%
ROICexgc(5y)0.48%
ROCE(3y)0.18%
ROCE(5y)0.26%
ROICexgc growth 3Y-5.56%
ROICexgc growth 5Y-10.41%
ROICexc growth 3Y-6.06%
ROICexc growth 5Y-6.65%
OM growth 3Y-14.46%
OM growth 5Y-21.04%
PM growth 3Y-21.58%
PM growth 5Y-31.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 2.06
Debt/FCF 1.05
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.1%
Interest Coverage 3.76
Cash Conversion N/A
Profit Quality 759.63%
Current Ratio 33.99
Quick Ratio 33.99
Altman-Z 0.12
F-Score9
WACC7.82%
ROIC/WACC0.01
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.34%
Cap/Sales(5y)0.54%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.35%
EPS 3Y-18.12%
EPS 5Y-0.92%
EPS Q2Q%8.41%
EPS Next Y23.84%
EPS Next 2Y15.58%
EPS Next 3Y12.74%
EPS Next 5Y8.95%
Revenue 1Y (TTM)52.1%
Revenue growth 3Y16.16%
Revenue growth 5Y18.75%
Sales Q2Q%156.4%
Revenue Next Year0.64%
Revenue Next 2Y2.54%
Revenue Next 3Y2.8%
Revenue Next 5YN/A
EBIT growth 1Y43.97%
EBIT growth 3Y-0.63%
EBIT growth 5Y-6.23%
EBIT Next Year15.64%
EBIT Next 3Y6.45%
EBIT Next 5YN/A
FCF growth 1Y199.03%
FCF growth 3Y-39.47%
FCF growth 5Y1.68%
OCF growth 1Y202.29%
OCF growth 3Y-39.43%
OCF growth 5Y1.12%

LEGAL & GENERAL GROUP PLC / LGI.DE Fundamental Analysis FAQ

What is the fundamental rating for LGI stock?

ChartMill assigns a fundamental rating of 5 / 10 to LGI.DE.


What is the valuation status for LGI stock?

ChartMill assigns a valuation rating of 6 / 10 to LEGAL & GENERAL GROUP PLC (LGI.DE). This can be considered as Fairly Valued.


How profitable is LEGAL & GENERAL GROUP PLC (LGI.DE) stock?

LEGAL & GENERAL GROUP PLC (LGI.DE) has a profitability rating of 3 / 10.


How financially healthy is LEGAL & GENERAL GROUP PLC?

The financial health rating of LEGAL & GENERAL GROUP PLC (LGI.DE) is 7 / 10.


Is the dividend of LEGAL & GENERAL GROUP PLC sustainable?

The dividend rating of LEGAL & GENERAL GROUP PLC (LGI.DE) is 7 / 10 and the dividend payout ratio is 210.64%.