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Legal & General

LSE:LGEN · GB0005603997
InsuranceLarge

360

6
EV / EBIT7
Price / Owner Earnings11
Cash yield91
Price/Sales45
EV / Gross Profit5
Price/Book3
Returns on capital7
Profit margins32
Cash Conversion92
Accruals90
Owner Earnings Margin34
Sales growth14
Profit Growth62
Long-Term EPS Growth89
Owner Earnings Growth88
Reinvestment55
Price momentum53
Debt load1
Debt serviceability100
Liquidity26
Analyst ratings11
Opinion Changes36
Price Target Upside23
Market mood43
Value Creation8/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Legal & General clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryUK
IndustryInsurance
SizeLarge
TypePublic Company
ExchangeLSE
Employees6,075
Websitegroup.legalandgeneral.com/en
ISINGB0005603997
Last UpdateApr 2, 2026
Indices
FTSE 100 (United Kingdom)FTSE 350 (United Kingdom)FTSE All Shares (United Kingdom)
Themes
Financial Services

Description

Legal & General Group Plc provides risk, savings and investment management products in the United Kingdom. The company also has operations in the United States, France, the Netherlands, and Egypt. Segments The company’s primary segments include: Ri…

Analysis

Hope premium

Legal & General Group Plc is priced well ahead of what the underlying numbers justify, a pattern we describe as a hope premium.

On valuation, the picture is expensive. The owner-earnings multiple stands at 26.2×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 10% a year, against analyst forecasts of 13%. The price, in other words, assumes less than the experts do.

Growth is tepid; the safety picture is stretched. The company scores 8/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
9
2023202420252026

All-time high

63

Jan 2023

All-time low

4

Mar 2026

Average rank

45

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
45
49
37
35
Price/Earnings
42
45
50
67
Price/Book
3
9
5
28
Dividend Yield
91
87
93
90
Value (overall)
39
49
45
69

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →