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Legal & General Group Plc (LGGNF)

USD3.95 +0.17 (+4.50%)
GB OTC Financial Services Asset Management
Address One Coleman Street EC2R 5AA
London, GB
CEO Antonio Pedro Dos Santos Simoes
IPO 2010-10-15
ISIN GB0005603997

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

Legal & General Group Plc is a diversified financial services provider that delivers a comprehensive range of insurance and investment solutions across the United Kingdom, the United States, and other international markets. Its operations are strategically segmented into four main divisions: Legal & General Retirement (LGR), Legal & General Investment Management (LGIM), Legal & General Capital (LGC), and Legal & General Insurance (LGI). The LGR division specializes in retirement planning, offering products such as annuity contracts that provide guaranteed income for specific periods, longevity insurance, lifetime mortgages, lifetime care plans, and retirement interest-only mortgages. It also facilitates corporate pension scheme solutions through its workplace savings program. LGIM focuses on asset management, providing clients with a variety of investment vehicles, including index funds, active fixed income and liquidity funds, active equity management, solution-driven and liability-driven investment strategies, multi-asset funds, and direct investment in real assets, alongside corporate pension scheme solutions. LGC is responsible for formulating and executing investment strategy, as well as providing direct investment and structuring services. Meanwhile, the LGI division offers diverse protection products, encompassing health, disability, critical illness, and accident coverage. It also provides individual term assurance, reinsurance services, savings and death benefit plans, and annuities. Beyond these core segments, Legal & General's extensive activities further encompass various forms of fund management, including unit trusts, institutional, and alternative investment vehicles. It also engages in mortgage finance, treasury operations, commercial lending, and venture capital investing. The company has significant involvement in real estate, spanning property investment, operation, management, trading, and leasing, as well as building project development (including modular housing) and commercial construction. Furthermore, it provides general insurance, financial intermediation, pension tracing and transfer services, acts as insurance agents and brokers, and offers investment advisory, business information consultancy, and technology services. Established in 1836, Legal & General Group Plc maintains its headquarters in London, United Kingdom.

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
USD3.95 +0.17 (+4.50%)
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Volume Profile
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Liquidity & share structure
Average Volume
33.9K
Beta
0.81
Float Shares
5.37B
Free Float %
97.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% -5.47% +7.72% -0.27% +8.36% +4.61% +3.71% +25.17% -12.53% +6.14% +124.07%
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
3.95
DCF (Unlevered) 3.03 -23.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.17
Distress
Piotroski F-Score
7 / 9
Strong
MOAT Score
2 / 10
No MOAT
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth Asset Management: +17.4%
    -3.3% Q4'25: +24.2% (vs Q4'23)
  • EPS growth Asset Management: +22.7%
    +185.3% Q4'25: +81.0% (vs Q4'23)
  • FCF margin FCF growth · Asset Management: +27.7%
    +304.1% Q4'25: +13.7% (vs Q4'23)
  • EBIT margin Asset Management: +50.6%
    +8.8% 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%
    +37.6% Q4'25: -4.7% (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 = 47% × Ke + 53% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 3.03 Current price: 3.95
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 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.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Dec 2029
1 Rev. Ana.
1 EPS Ana.
Dec 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
12.56B
est: 3.23B (+288.3%)
73.43B
est: 7.54B (+874.0%)
40.45B
est: 7.80B (+418.9%)
882.00M
est: 7.73B (-88.6%)
66.77B
est: 11.33B (+489.5%)
18.00B
est: 9.46B (+90.3%)
9.65B
est: 11.49B (-16.0%)
10.19B
est: 10.82B (-5.8%)
11.07B
est: 16.87B (-34.4%)
12.96B
est: 12.72B (+1.9%)
12.54B
est: 13.82B (-9.3%)
16.00B
16.00B – 16.00B
+15.8% YoY
16.47B
16.47B – 16.47B
+2.9% YoY
16.95B
16.95B – 16.95B
+3.0% YoY
12.64B
12.64B – 12.64B
-25.4% YoY
13.03B
13.03B – 13.03B
+3.1% YoY
EBITDA
1.61B
est: 377.31M (+325.9%)
1.73B
est: 879.34M (+96.5%)
2.27B
est: 909.28M (+150.0%)
2.36B
est: 901.33M (+161.7%)
2.49B
est: 1.32B (+88.2%)
1.80B
est: 1.10B (+63.5%)
2.63B
est: 1.34B (+96.2%)
1.26B
est: 1.26B (-0.1%)
677.00M
est: 1.97B (-65.6%)
332.00M
est: 1.45B (-77.2%)
1.11B
est: 1.58B (-30.0%)
1.83B
1.83B – 1.83B
+15.8% YoY
1.88B
1.88B – 1.88B
+2.9% YoY
1.94B
1.94B – 1.94B
+3.0% YoY
1.44B
1.44B – 1.44B
-25.4% YoY
1.49B
1.49B – 1.49B
+3.1% YoY
EBIT
1.54B
est: 350.74M (+339.4%)
1.66B
est: 817.42M (+102.6%)
2.20B
est: 845.25M (+160.6%)
2.31B
est: 837.86M (+176.2%)
2.35B
est: 1.23B (+91.6%)
1.74B
est: 1.03B (+69.2%)
2.49B
est: 1.25B (+99.7%)
1.16B
est: 1.17B (-1.3%)
542.00M
est: 1.83B (-70.4%)
332.00M
est: 1.36B (-75.6%)
1.11B
est: 1.48B (-25.1%)
1.71B
1.71B – 1.71B
+15.8% YoY
1.76B
1.76B – 1.76B
+2.9% YoY
1.81B
1.81B – 1.81B
+3.0% YoY
1.35B
1.35B – 1.35B
-25.4% YoY
1.39B
1.39B – 1.39B
+3.1% YoY
Net Income
1.08B
est: 1.68B (-36.0%)
1.26B
est: 1.60B (-21.2%)
1.89B
est: 2.06B (-8.1%)
1.83B
est: 2.34B (-22.0%)
1.83B
est: 2.46B (-25.3%)
1.61B
est: 2.33B (-31.0%)
2.05B
est: 2.61B (-21.3%)
783.00M
est: 2.46B (-68.2%)
457.00M
est: 1.60B (-71.5%)
191.00M
est: 1.87B (-89.8%)
497.92M
est: 2.23B (-77.7%)
2.65B
2.65B – 2.65B
+18.5% YoY
2.82B
2.82B – 2.82B
+6.4% YoY
3.04B
3.04B – 3.04B
+8.0% YoY
3.27B
3.27B – 3.27B
+7.5% YoY
3.20B
3.20B – 3.20B
-2.0% YoY
SGA
550.00M
est: 1.39B (-60.4%)
485.00M
est: 3.24B (-85.0%)
435.00M
est: 3.35B (-87.0%)
199.00M
est: 3.32B (-94.0%)
570.00M
est: 4.86B (-88.3%)
555.00M
est: 4.06B (-86.3%)
872.00M
est: 4.93B (-82.3%)
908.00M
est: 4.64B (-80.4%)
21.43B
est: 7.24B (+195.8%)
est: 5.38B (-100.0%)
est: 5.85B (-100.0%)
6.77B
6.77B – 6.77B
+15.8% YoY
6.97B
6.97B – 6.97B
+2.9% YoY
7.17B
7.17B – 7.17B
+3.0% YoY
5.35B
5.35B – 5.35B
-25.4% YoY
5.52B
5.52B – 5.52B
+3.1% YoY
EPS
0.12
est: 0.28 (-57.5%)
0.17
est: 0.27 (-36.7%)
0.24
est: 0.35 (-30.6%)
0.31
est: 0.39 (-21.3%)
0.24
est: 0.41 (-41.9%)
0.22
est: 0.39 (-43.8%)
0.34
est: 0.44 (-22.4%)
0.13
est: 0.41 (-68.6%)
0.07
est: 0.27 (-72.7%)
0.03
est: 0.23 (-87.3%)
0.08
est: 0.27 (-70.1%)
0.32
0.32 – 0.32
+18.5% YoY
0.34
0.34 – 0.34
+6.4% YoY
0.37
0.37 – 0.37
+8.0% YoY
0.40
0.40 – 0.40
+7.5% YoY
0.39
0.39 – 0.39
-2.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-26 C 2/5 1/5 5/5 2/5 1/5 1/5 1/5
2026-05-22 C 2/5 1/5 5/5 2/5 1/5 1/5 1/5
2026-05-20 C 2/5 1/5 5/5 2/5 1/5 1/5 1/5
2026-05-18 C 2/5 1/5 5/5 2/5 1/5 1/5 1/5
2026-05-15 C 2/5 1/5 5/5 2/5 1/5 1/5 1/5
2026-05-14 C 2/5 1/5 5/5 2/5 1/5 1/5 1/5
2026-05-13 C 2/5 1/5 5/5 2/5 1/5 1/5 1/5
2026-05-08 C 2/5 1/5 5/5 2/5 1/5 1/5 1/5
2026-05-06 C 2/5 1/5 5/5 2/5 1/5 1/5 1/5
2026-05-05 C 2/5 1/5 5/5 2/5 1/5 1/5 1/5
2026-05-01 C+ 2/5 1/5 5/5 3/5 1/5 1/5 1/5
2026-04-29 C+ 2/5 1/5 5/5 3/5 1/5 1/5 1/5
2026-04-28 C+ 2/5 1/5 5/5 3/5 1/5 1/5 1/5
2026-04-27 C+ 2/5 1/5 5/5 3/5 1/5 1/5 1/5
2026-04-22 C+ 2/5 1/5 5/5 3/5 1/5 1/5 1/5
2026-04-21 C+ 2/5 1/5 5/5 3/5 1/5 1/5 1/5
2026-04-20 C+ 2/5 1/5 5/5 3/5 1/5 1/5 1/5
2026-04-17 B- 2/5 1/5 5/5 4/5 1/5 2/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
324.33M
OE per share TTM
0.08
Owner's Yield
1.57%
Maintenance CapEx ratio
43.17%
Maint CapEx / Avg PPE
1.5%

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.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

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 4M male
Andrew Kail Group Chief Financial Officer & Executive Director 1M 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