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Legal & General Group PLC (LGEN:LN) Legal & General Group PLC (LGEN:LN) Financials/Life Insurance Price: 281.10 GBX Report Date: September 30, 2021 Business Description and Key Statistics Legal & General Group is a holding company. Through its Current YTY % Chg subsidiaries, Co. operates as an asset manager and a provider of individual life insurance products. Co.'s segments consist of: Legal Revenue LFY (M) 50,231 -24.8 & General Retirement, which include annuity contracts, longevity EPS Diluted LFY 0.26 -16.7 insurance contracts, lifetime mortgages, and Lifetime Care Plan; Legal & General Investment Management, which include index Market Value (M) 16,675 fund management, active strategies, solutions and liability driven investment, multi-asset funds, real assets, and workplace savings; Shares Outstanding LFY (000) 5,932,052 Legal & General Capital, which include investment strategy and Book Value Per Share 1.69 implementation and direct investments and structuring; Legal & General Insurance; and General Insurance. EBITDA Margin % Net Margin % 3.1 Website: www.legalandgeneralgroup.com Long-Term Debt / Capital % ICB Industry: Financials Dividends and Yield TTM 0.13 - 6.25% ICB Subsector: Life Insurance Payout Ratio TTM % 68.6 Address: One Coleman Street London 60-Day Average Volume (000) 12,670 GBR 52-Week High & Low 296.40 - 182.35 Employees: 10,046 Price / 52-Week High & Low 0.95 - 1.54 Price, Moving Averages & Volume 302.1 302.1 Legal & General Group PLC is currently trading at 281.10 which is 3.1% above its 50 day 286.4 286.4 moving average price of 272.78 and 3.4% above its 270.7 270.7 200 day moving average price of 271.96. 255.1 255.1 LGEN:LN is currently 5.2% below its 52-week high price of 296.40 and is 54.2% above its 239.4 239.4 52-week low price of 182.35. Over the past 52-weeks, 223.7 223.7 LGEN:LN is up 49.2% while on a calendar year-to-date basis it is up 5.6%. 208.0 208.0 The Relative Strength Index (RSI) indicator for LGEN:LN is 192.3 192.3 currently 54.95. An RSI value of 70 and above is considered 176.6 176.6 overbought and 30 and below 10/20 11/20 12/20 1/21 2/21 3/21 4/21 5/21 6/21 7/21 8/21 9/21 oversold. Volume (000) 60,429 60,429 45,749 45,749 31,069 31,069 16,389 Mean (14849.32) 16,389 1,710 1,710 10/20 11/20 12/20 1/21 2/21 3/21 4/21 5/21 6/21 7/21 8/21 9/21 Price Price (50-Day Simple Moving Average) Price (200-Day Simple Moving Average) Copyright © 2021 FTSE Russell 1 www.ftserussell.com Legal & General Group PLC (LGEN:LN) Financials/Life Insurance Price: 281.10 GBX Report Date: September 30, 2021 Price Performance, Technical Indicators & Risk Metrics Difference Price Performance % Change vs FTSE 350 Technical Indicators 1-Day % 0.14 0.48 50-Day Average Price 272.78 1-Week % -0.81 -0.28 Price / 50-Day Average 1.03 4-Week % 1.63 3.29 200-Day Average Price 271.96 52-Week % 49.24 26.35 Price / 200-Day Average 1.03 RSI - Relative Strength Index 54.95 Quarter-to-Date % 9.12 8.03 Year-to-Date % 5.60 -4.57 Risk Metrics Last Month % 4.03 5.23 Price Volatility 3.92 Last Quarter % 9.12 8.03 Sharpe Ratio 0.08 Last Calendar Year % -12.15 0.84 Sortino Ratio 0.14 5-Year Price Performance vs. FTSE 350 Legal & General Group PLC Current: 1.27 CAGR: 4.9% Over the past five years, Legal FTSE 350 Index Current: 1.21 CAGR: 3.9% & General Group PLC's stock price is up 27.0% which is 1.5 1.5 6.0% above the FTSE 350 Index performance of 21.0% over the same period. Legal & 1.4 1.4 General Group PLC's cumulative annualized growth 1.3 1.3 rate (CAGR) over the five year period has been 4.9% while that of the FTSE 350 Index 1.3 LGEN:LN 1.3 has been 3.9%. ^NMX:LN Over the past year, Legal & 1.2 1.2 General Group PLC's stock price performance of 49.2% 1.1 1.1 has outperformed that of the FTSE 350 Index by 26.4%. On a year-to-date basis, Legal 1.1 1.1 & General Group PLC's stock price performance of 5.6% has 1.0 1.0 outperformed the FTSE 350 Index by 4.6%. 0.9 0.9 Over the past week, Legal & General Group PLC's stock price performance of -0.8% 0.9 0.9 has underperformed that of the FTSE 350 Index by 0.3%. 0.8 0.8 0.7 0.7 0.7 0.7 2017 2018 2019 2020 2021 2022 Copyright © 2021 FTSE Russell 2 www.ftserussell.com Legal & General Group PLC (LGEN:LN) Financials/Life Insurance Price: 281.10 GBX Report Date: September 30, 2021 Growth and Profitability Metrics 5-Year 10-Year Historical Growth 3-Year 5-Year 10-Year Profitability Current Average Average Revenues % 7.4 31.7 2.7 Gross Margin % Revenues Per Share % 6.9 31.3 2.4 EBITDA Margin % EBITDA % Pre-Tax Margin % 3.0 15.2 9.2 EPS Diluted % -6.9 7.3 6.3 Net Margin % 3.1 13.2 7.7 Free Cash Flow % 66.1 31.0 17.8 Return on Equity % 15.9 21.6 18.8 Cash from Operations % -0.8 999.9 4.7 Return on Capital % 10.3 13.7 11.8 Book Value % 8.4 9.3 7.4 Return on Assets % 0.3 0.3 0.3 Revenue (M) Legal & General Group PLC's cumulative annualized revenue Current: 50231.00 Median: 50231.00 High: 77969.00 Low: 1264.00 CAGR: -10.4% growth rate over the charted 93,310.0 93,310.0 77,969.0 period is -10.4%. This 66,786.0 compares to cumulatative 62,206.7 50,231.0 62,206.7 annualized growth of 7.4% 40,491.0 over the past 3 years. 31,103.3 31,103.3 1,264.0 0.0 0.0 2017 2018 2019 2020 2021 Legal & General Group PLC's EPS Diluted cumulative annualized EPS Current: 0.26 Median: 0.31 High: 0.32 Low: 0.21 CAGR: 5.5% growth rate over the charted 0.34 0.34 period is 5.5%. This compares 0.32 0.31 0.31 to cumulatative annualized 0.30 0.30 growth of -6.9% over the past 3 years. 0.26 0.25 0.25 0.21 0.20 0.20 2016 2017 2018 2019 2020 2021 Net Profit Margin % Legal & General Group PLC's net profit margin of 3.1% is Current: 3.08 Median: 3.47 High: 144.49 Low: 1.61 CAGR: 17.6% 10.1% below the period's 151.6 151.6 mean net margin of 13.2%. During the charted period, the 99.2 99.2 observed net profit margin high and low were 144.5% and 46.9 46.9 1.6% respectively. Mean (13.20) -5.5 -5.5 2016 2017 2018 2019 2020 2021 Legal & General Group PLC's Return on Equity % return on equity of 15.9% is Current: 15.90 Median: 21.70 High: 26.30 Low: 15.90 CAGR: -4.6% 5.7% below the period's mean 26.8 26.8 return on equity of 21.6%. During the charted period, the 23.0 23.0 observed ROE high and low Mean (21.56) were 26.3% and 15.9% respectively. 19.2 19.2 15.4 15.4 2016 2017 2018 2019 2020 2021 Copyright © 2021 FTSE Russell 3 www.ftserussell.com Legal & General Group PLC (LGEN:LN) Financials/Life Insurance Price: 281.10 GBX Report Date: September 30, 2021 Valuation Metrics 5-Year 10-Year 5-Year 10-Year Current Median Median Current Median Median Price / EPS TTM 11.0 9.0 10.5 Earnings Yield % 9.00 11.25 9.54 Price / Sales 0.3 0.3 0.3 Free Cash Flow Yield % 35.18 37.63 32.27 Price / Operating Cash Flow Dividend Yield % 6.25 5.99 5.48 Price / Book Value 1.7 1.9 2.0 Enterprise Value / EBITDA Price / EPS TTM Legal & General Group PLC is trading at 10.98 times its EPS Current: 10.98 Median: 9.04 High: 12.16 Low: 5.11 CAGR: 0.2% generated during the latest 12.5 12.5 fiscal year. This multiple is above the historically observed 9.9 9.9 median of 9.04, while high and Median (9.04) low observations have been 12.16 and 5.11. 7.3 7.3 4.8 4.8 2016 2017 2018 2019 2020 2021 Price / Sales Legal & General Group PLC is trading at a Price to Sales ratio Current: 0.34 Median: 0.32 High: 13.40 Low: 0.14 CAGR: 10.2% of 0.34 based on sales 14.06 14.06 generated during the latest fiscal year. This ratio is above 9.20 9.20 the historically observed median ratio of 0.32, while high and low observations 4.34 4.34 have been 13.40 and 0.14. Median (0.32) -0.52 -0.52 2016 2017 2018 2019 2020 2021 Legal & General Group PLC is Price / Book Value trading at a Price to Book ratio Current: 1.67 Median: 1.90 High: 2.33 Low: 0.99 CAGR: -4.0% of 1.67 based on book value at 2.4 2.4 the latest fiscal year end.
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