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Legal & General Group Plc (LGEN.L)

GBp291.30 +1.60 (+0.55%)
GB LSE Financial Services Asset Management
Address One Coleman Street EC2R 5AA
London, GB
CEO Antonio Pedro Dos Santos Simoes
Website legalandgeneralgroup.com
IPO 1988-07-01
ISIN GB0005603997

Explore sections of this company profile

Also trades on London Stock Exchange · LGEN.L (GBp) Other OTC · LGGNF (USD)
Description

Legal & General Group Plc (LGEN.L) is a prominent financial services company delivering a diverse range of insurance products and related services across the United Kingdom, the United States, and numerous international markets. Its operations are strategically structured into four distinct divisions: Legal & General Retirement (LGR), Legal & General Investment Management (LGIM), Legal & General Capital (LGC), and Legal & General Insurance (LGI). The LGR segment focuses on retirement solutions, including offering annuity contracts that provide guaranteed income, longevity insurance, various lifetime mortgage products (such as retirement interest-only mortgages), lifetime care plans, and comprehensive workplace savings schemes designed for corporate pension solutions. Within the LGIM segment, the company specializes in asset management, providing services such as index fund management, active fixed income and liquidity funds, active equity strategies, liability-driven investment (LDI) solutions, multi-asset funds, corporate pension scheme management, and investments in real assets. LGC is responsible for investment strategy formulation and execution, alongside direct investment and structuring services. Finally, the LGI division delivers a suite of protection products, encompassing health, disability, critical illness, and accident coverage, in addition to individual term assurance, reinsurance, savings and death benefit solutions, and annuities. Beyond these core segments, the group's broader activities extend to unit trust and institutional fund management, mortgage financing, treasury functions, general insurance, and open-ended investment companies. It also significantly engages in real estate, covering investment, operation, management, trading, and leasing of properties, as well as the construction of commercial buildings and modular housing development. Further services include financial intermediation, pension tracing and transfer, acting as insurance agents and brokers, commercial lending, venture capital investing, and comprehensive investment advisory, business information consultancy, and technology services. Established in 1836, Legal & General Group Plc boasts a long history and maintains its headquarters in London, UK.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
GBp291.30 +1.60 (+0.55%)
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Volume Profile
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Liquidity & share structure
Average Volume
27M
Beta
0.81
Float Shares
5.37B
Free Float %
97.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.67% -0.22% +7.83% +0.04% +9.92% +3.63% +9.13% +17.85% -4.54% +13.37% +448.50%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
291.30
Ratings Trend (MoM) 27% Bullish
Rating 2026-05 Change
Strong Buy 2 0
Buy 2 0
Hold 7 -1
Sell 2 +1
Strong Sell 2 0
Quality scores
Altman Z-Score
0.20
Distress
Piotroski F-Score
7 / 9
Strong
MOAT Score
3 / 10
No MOAT
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
5 / 5
High
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Asset Management: +17.4%
    +320.7% ★ Q4'25: +24.3% (vs Q4'23)
  • ✓
    EPS growth Asset Management: +22.7%
    +174.5% ★ Q4'25: +81.0% (vs Q4'23)
  • ✓
    FCF margin FCF growth · Asset Management: +27.7%
    +69.9% ★ Q4'25: +13.7% (vs Q4'23)
  • ✗
    EBIT margin Asset Management: +50.6%
    +2.0% Q4'25: +1.3% (vs Q4'23)
  • ✗
    ROIC Asset Management: +6.5%
    +6.8% ★ Q4'25: +13.1% (vs Q4'23)
  • ✗
    Share dilution Asset Management: +0.0%
    +2.2% Q4'25: -12.9% (vs Q4'23)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Asset Management: -0.03×
    22.71× Q4'25: 12.63× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.80) × ERP
WACC = 40% × Ke + 60% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Current price: 291.30
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2001
actual 		Dec 2002
actual 		Dec 2003
actual 		Dec 2004
actual 		Dec 2005
actual 		Dec 2006
actual 		Dec 2007
actual 		Dec 2008
actual 		Dec 2009
actual 		Dec 2010
actual 		Dec 2011
actual 		Dec 2012
actual 		Dec 2013
actual 		Dec 2014
actual 		Dec 2015
actual 		Dec 2016
actual 		Dec 2017
actual 		Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
1 Rev. Ana.
9 EPS Ana. 		Dec 2027
1 Rev. Ana.
8 EPS Ana. 		Dec 2028
1 Rev. Ana.
7 EPS Ana. 		Dec 2029
1 Rev. Ana.
6 EPS Ana. 		Dec 2030
1 Rev. Ana.
6 EPS Ana.
Revenue
4.00M
est: 4.76B (-99.9%)
4.00M
est: 5.38B (-99.9%)
73.00M
est: 5.45B (-98.7%)
17.24B
est: 5.97B (+188.9%)
30.99B
est: 5.23B (+492.7%)
20.97B
est: 4.08B (+413.6%)
18.20B
est: 4.74B (+284.3%)
-31.64B
est: 5.45B (-681.0%)
43.77B
est: 7.02B (+523.2%)
38.41B
est: 5.18B (+641.7%)
8.78B
est: 5.31B (+65.4%)
9.35B
est: 6.00B (+55.9%)
9.44B
est: 6.04B (+56.3%)
9.14B
est: 10.22B (-10.6%)
9.17B
est: 3.24B (+182.9%)
9.29B
est: 7.49B (+24.0%)
9.85B
est: 7.65B (+28.8%)
10.10B
est: 8.15B (+23.9%)
10.62B
est: 10.98B (-3.2%)
9.28B
est: 9.42B (-1.4%)
9.29B
est: 11.47B (-19.0%)
10.19B
est: 10.97B (-7.1%)
11.07B
est: 12.32B (-10.2%)
12.96B
est: 12.72B (+1.9%)
54.54B
est: 13.82B (+294.6%)
15.97B
15.97B – 15.97B
+15.5% YoY
16.44B
16.44B – 16.44B
+2.9% YoY
16.92B
16.92B – 16.92B
+3.0% YoY
12.62B
12.62B – 12.62B
-25.4% YoY
13.01B
13.01B – 13.01B
+3.1% YoY
EBITDA
—
est: 674.96M (-100.0%)
—
est: -149.29M (+100.0%)
—
est: -97.06M (+100.0%)
—
est: 517.85M (-100.0%)
—
est: 567.76M (-100.0%)
—
est: 1.19B (-100.0%)
—
est: 2.16B (-100.0%)
—
est: 920.99M (-100.0%)
—
est: -2.74B (+100.0%)
—
est: 927.71M (-100.0%)
992.00M
est: 1.34B (-25.9%)
1.07B
est: 882.70M (+20.9%)
1.20B
est: 836.80M (+43.5%)
1.30B
est: 2.22B (-41.4%)
1.42B
est: 563.05M (+152.4%)
1.54B
est: 1.70B (-9.8%)
2.08B
est: 2.22B (-6.5%)
2.12B
est: 2.70B (-21.4%)
2.22B
est: 4.15B (-46.5%)
1.50B
est: 1.56B (-3.6%)
2.92B
est: 1.82B (+60.9%)
1.26B
est: 1.83B (-31.0%)
423.00M
est: 1.36B (-68.9%)
704.00M
est: 1.40B (-49.8%)
1.11B
est: 1.52B (-27.4%)
1.76B
1.76B – 1.76B
+15.5% YoY
1.81B
1.81B – 1.81B
+2.9% YoY
1.87B
1.87B – 1.87B
+3.0% YoY
1.39B
1.39B – 1.39B
-25.4% YoY
1.43B
1.43B – 1.43B
+3.1% YoY
EBIT
-19.00M
est: 582.57M (-103.3%)
—
est: -134.36M (+100.0%)
471.00M
est: -109.07M (+531.9%)
886.00M
est: 533.17M (+66.2%)
1.50B
est: 569.51M (+163.2%)
2.17B
est: 1.24B (+75.0%)
1.10B
est: 2.24B (-51.0%)
-1.11B
est: 914.09M (-221.7%)
1.25B
est: -2.82B (+144.5%)
1.26B
est: 913.69M (+37.9%)
953.00M
est: 1.34B (-28.9%)
1.03B
est: 879.31M (+17.5%)
1.14B
est: -17.32B (+106.6%)
1.24B
est: 2.23B (-44.4%)
1.36B
est: 565.86M (+139.5%)
1.47B
est: 1.73B (-15.2%)
1.99B
est: 2.10B (-5.4%)
2.08B
est: 2.34B (-11.3%)
2.08B
est: 4.03B (-48.3%)
1.43B
est: 1.53B (-6.3%)
2.78B
est: 1.78B (+56.4%)
1.16B
est: 1.79B (-35.3%)
423.00M
est: 1.30B (-67.4%)
704.00M
est: 1.34B (-47.4%)
1.11B
est: 1.45B (-23.9%)
1.68B
1.68B – 1.68B
+15.5% YoY
1.73B
1.73B – 1.73B
+2.9% YoY
1.78B
1.78B – 1.78B
+3.0% YoY
1.33B
1.33B – 1.33B
-25.4% YoY
1.37B
1.37B – 1.37B
+3.1% YoY
Net Income
-144.00M
est: 406.77M (-135.4%)
-180.00M
est: -219.35M (+17.9%)
404.00M
est: -180.11M (+324.3%)
463.00M
est: 442.30M (+4.7%)
944.00M
est: 406.55M (+132.2%)
1.56B
est: 737.01M (+112.2%)
724.00M
est: 1.81B (-60.1%)
-1.07B
est: 832.46M (-228.2%)
863.00M
est: -1.40B (+161.8%)
820.00M
est: 636.41M (+28.8%)
724.00M
est: 840.35M (-13.8%)
810.00M
est: 820.54M (-1.3%)
893.00M
est: 818.22M (+9.1%)
985.00M
est: 1.51B (-34.9%)
1.08B
est: 394.46M (+172.5%)
1.26B
est: 1.31B (-4.2%)
1.89B
est: 1.74B (+8.4%)
1.83B
est: 2.15B (-14.9%)
1.83B
est: 3.46B (-47.0%)
1.61B
est: 1.30B (+23.8%)
2.05B
est: 1.51B (+35.5%)
783.00M
est: 2.01B (-61.0%)
457.00M
est: 288.52M (+58.4%)
191.00M
est: 1.11B (-82.8%)
498.00M
est: 1.23B (-59.7%)
1.52B
1.43B – 1.61B
+23.0% YoY
1.48B
1.46B – 1.70B
-2.7% YoY
1.67B
1.67B – 1.67B
+13.2% YoY
1.80B
1.80B – 1.80B
+7.6% YoY
1.76B
1.76B – 1.76B
-2.0% YoY
SGA
—
est: 231.21M (-100.0%)
—
est: 338.78M (-100.0%)
—
est: -1.67B (+100.0%)
788.00M
est: 289.74M (+172.0%)
536.00M
est: 253.86M (+111.1%)
—
est: 198.20M (-100.0%)
-20.00M
est: 229.99M (-108.7%)
784.00M
est: 264.44M (+196.5%)
225.00M
est: -43.60B (+100.5%)
259.00M
est: 251.47M (+3.0%)
260.00M
est: 257.71M (+0.9%)
305.00M
est: 541.38M (-43.7%)
391.00M
est: 293.13M (+33.4%)
1.01B
est: 1.02B (-0.7%)
550.00M
est: 240.28M (+128.9%)
485.00M
est: 774.18M (-37.4%)
435.00M
est: 900.02M (-51.7%)
199.00M
est: 823.54M (-75.8%)
570.00M
est: 1.61B (-64.7%)
555.00M
est: 1.06B (-47.8%)
872.00M
est: 1.24B (-29.7%)
908.00M
est: 1.25B (-27.2%)
—
est: 450.86M (-100.0%)
—
est: 465.67M (-100.0%)
—
est: 505.87M (-100.0%)
584.41M
584.41M – 584.41M
+15.5% YoY
601.54M
601.54M – 601.54M
+2.9% YoY
619.33M
619.33M – 619.33M
+3.0% YoY
461.73M
461.73M – 461.73M
-25.4% YoY
476.08M
476.08M – 476.08M
+3.1% YoY
EPS
-0.03
est: 0.09 (-132.4%)
-0.03
est: 0.09 (-133.9%)
0.04
est: 0.08 (-50.6%)
0.07
est: 0.08 (-13.7%)
0.14
est: 0.11 (+32.8%)
0.24
est: 0.13 (+90.4%)
0.11
est: 0.12 (-9.1%)
-0.18
est: 0.13 (-243.2%)
0.15
est: 0.13 (+13.5%)
0.14
est: 0.13 (+6.0%)
0.12
est: 0.13 (-9.9%)
0.14
est: 0.14 (-1.0%)
0.15
est: 0.16 (-5.1%)
0.17
est: 0.17 (-1.7%)
0.18
est: 0.19 (-6.0%)
0.21
est: 0.22 (-3.3%)
0.32
est: 0.26 (+25.1%)
0.31
est: 0.31 (+0.2%)
0.31
est: 0.31 (-0.5%)
0.27
est: 0.29 (-5.8%)
0.34
est: 0.32 (+4.9%)
0.38
est: 0.34 (+11.0%)
0.07
est: 0.05 (+54.8%)
0.03
est: 0.18 (-84.2%)
0.08
est: 0.20 (-58.8%)
0.24
0.24 – 0.26
+21.0% YoY
0.25
0.24 – 0.28
+4.0% YoY
0.28
0.28 – 0.28
+8.0% YoY
0.30
0.30 – 0.30
+7.6% YoY
0.29
0.29 – 0.29
-2.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-28 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-27 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-26 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-22 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-21 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-20 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-19 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-18 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-15 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-14 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-13 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-12 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-11 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-08 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-07 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-06 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-05 C+ 2/5 3/5 5/5 2/5 1/5 1/5 1/5
2026-05-01 B- 2/5 3/5 5/5 3/5 1/5 1/5 1/5
2026-04-30 B- 2/5 3/5 5/5 3/5 1/5 1/5 1/5
2026-04-29 B- 2/5 3/5 5/5 3/5 1/5 1/5 1/5
2026-04-28 B- 2/5 3/5 5/5 3/5 1/5 1/5 1/5
2026-04-27 B- 2/5 3/5 5/5 3/5 1/5 1/5 1/5
2026-04-24 B- 2/5 3/5 5/5 3/5 1/5 1/5 1/5
2026-04-23 B- 2/5 3/5 5/5 3/5 1/5 1/5 1/5
2026-04-22 B- 2/5 3/5 5/5 3/5 1/5 1/5 1/5
2026-04-21 B- 3/5 4/5 5/5 3/5 1/5 1/5 1/5
2026-04-20 B- 3/5 4/5 5/5 3/5 1/5 1/5 1/5
2026-04-17 B 3/5 4/5 5/5 4/5 1/5 1/5 1/5
2026-04-16 B 3/5 4/5 5/5 4/5 1/5 1/5 1/5
2026-04-15 B 3/5 4/5 5/5 4/5 1/5 1/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.26B
OE per share TTM
0.23
Owner's Yield
8.13%
Maintenance CapEx ratio
53.45%
Maint CapEx / Avg PPE
1.8%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
102.4K
Shares Outstanding
5.49B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Antonio Pedro Dos Santos Simoes Group Chief Executive Officer & Director 3M male
Andrew Kail Group Chief Financial Officer & Executive Director 897.0K male
Chris J. Knight Group Chief Risk Officer — male
Debbie Matthews Head of LGIM Product Development - Chief Operations Office — female
Emma Holden Chief People Officer — female
Geoffrey J. Timms Group General Counsel & Company Secretary — male
Grace Stevens Chief Tax Officer — female
Katie Worgan Group Chief Operating Officer — female
Maria Alvarez-Scott Group General Counsel & Company Secretary — female
Andrew David Fairhurst Head of Secretariat — male
Robert James Barnard-Smith Head of UK Credit - LGIM — male
Andy Sinclair Chief Strategy & Investor Relations Officer — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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