Market Price

2.60 

-0.05 -2.0%

as of Jul 27 '21

52 Week Range:

0.02 90,000.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Legal & General Group Plc provides various insurance products and services in the United Kingdom, the United States, and internationally. It operates in four segments: Legal & General Retirement (LGR), Legal & General Investment Management (LGIM), Legal & General Capital (LGC), and Legal & General Insurance (LGI). The LGR segment offers annuity contracts with guaranteed income for a specified time; longevity insurance products for company pension schemes; lifetime mortgages; lifetime care plans; and retirement interest only mortgages. The LGIM segment provides index fund management; active fixed income funds and liquidity funds; active equity management; solution and liability driven investment; multi-asset funds; corporate pension scheme solutions; and real estate funds. The LGC segment offers investment strategy and implementation, and direct investment and structuring services. The LGI segment provides protection products, such as health, disability, critical illness, and accident; individual term assurance; reinsurance; savings and death benefits; and annuities. The company is also involved in the unit trust and institutional fund management, mortgage finance, treasury, building project and modular housing development, general insurance, and open-ended investment businesses, as well as manufacture of sheds. It also engages in the real estate investment, operation, management, and trading, fund general partner, fund trustee, commercial lending, venture capital investing, contractual scheme, management, pension tracing and transfer, investor alternative investment fund, collective asset-management, and investment management activities; and provision of investment advisory, business information consultancy, and technology services. The company was founded in 1836 and is headquartered in London, the United Kingdom.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 0.82
0.83
0.92
0.93
0.96
1.01
1.11
1.21
1.29
1.47
1.58
growth rate 1.2% 10.8% 1.1% 3.2% 5.2% 9.9% 9.0% 6.6% 14.0% 7.5%
Earnings BIT 1,090.00
953.00
1,210.00
1,281.00
1,191.00
1,219.00
1,772.00
2,273.00
2,347.00
2,425.00
1,804.00
growth rate -12.6% 27.0% 5.9% -7.0% 2.4% 45.4% 28.3% 3.3% 3.3% -25.6%
Avg.PE 6.97
8.41
10.66
14.86
17.32
14.02
11.79
8.28
9.48
7.86
11.38
growth rate 20.7% 26.8% 39.4% 16.6% -19.1% -15.9% -29.8% 14.5% -17.1% 44.8%
ROA 0.26
0.22
0.24
0.25
0.26
0.27
0.29
0.39
0.37
0.35
0.28
growth rate -15.4% 9.1% 4.2% 4.0% 3.9% 7.4% 34.5% -5.1% -5.4% -20.0%
ROE 18.18
14.48
15.28
16.11
16.88
17.29
18.85
25.57
22.25
20.44
16.60
growth rate -20.4% 5.5% 5.4% 4.8% 2.4% 9.0% 35.7% -13.0% -8.1% -18.8%
ROIC 8.88
8.83
9.82
16.55
15.91
growth rate -0.6% 11.2% 68.5% -3.9%
Leverage 67.10
62.83
63.65
64.36
66.28
61.96
67.37
64.50
57.40
59.85
57.07
growth rate -6.4% 1.3% 1.1% 3.0% -6.5% 8.7% -4.3% -11.0% 4.3% -4.6%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 989.00
1,210.00
980.00
1,577.00
1,567.00
2,373.00
83.00
342.00
418.00
468.00
6,925.00
growth rate 22.4% -19.0% 60.9% -0.6% 51.4% -96.5% 312.1% 22.2% 12.0% 1,379.7%
Acct.Payable 208.00
171.00
143.00
104.00
4,889.00
2,821.00
2,296.00
growth rate -17.8% -16.4% -27.3% 4,601.0% -42.3% -18.6%
Cur.Assets 22,655.00
26,768.00
30,055.00
28,949.00
39,526.00
42,830.00
39,837.00
47,390.00
48,710.00
45,182.00
34,751.00
growth rate 18.2% 12.3% -3.7% 36.5% 8.4% -7.0% 19.0% 2.8% -7.2% -23.1%
Total Assets 323,873.00
326,499.00
346,301.00
366,272.00
399,553.00
396,799.00
467,854.00
504,352.00
492,517.00
560,736.00
570,565.00
growth rate 0.8% 6.1% 5.8% 9.1% -0.7% 17.9% 7.8% -2.4% 13.9% 1.8%
Cash 13,036.00
14,113.00
16,387.00
17,070.00
22,709.00
20,675.00
15,348.00
18,919.00
17,321.00
13,923.00
18,020.00
growth rate 8.3% 16.1% 4.2% 33.0% -9.0% -25.8% 23.3% -8.5% -19.6% 29.4%
Inventory 2,179.00
growth rate
Cur.Liabilities 4,738.00
6,865.00
6,918.00
7,201.00
19,737.00
28,299.00
37,181.00
34,530.00
30,013.00
30,969.00
77,566.00
growth rate 44.9% 0.8% 4.1% 174.1% 43.4% 31.4% -7.1% -13.1% 3.2% 150.5%
Liabilities 318,999.00
321,377.00
340,821.00
360,365.00
393,250.00
390,106.00
460,571.00
496,760.00
483,865.00
551,643.00
560,599.00
growth rate 0.8% 6.1% 5.7% 9.1% -0.8% 18.1% 7.9% -2.6% 14.0% 1.6%
LT Debt 3,039.00
2,990.00
2,935.00
3,006.00
3,611.00
3,613.00
3,285.00
3,648.00
4,948.00
5,111.00
5,613.00
growth rate -1.6% -1.8% 2.4% 20.1% 0.1% -9.1% 11.1% 35.6% 3.3% 9.8%
Equity 4,874.00
5,122.00
5,480.00
5,642.00
6,028.00
6,404.00
6,945.00
7,516.00
8,580.00
9,038.00
9,997.00
growth rate 5.1% 7.0% 3.0% 6.8% 6.2% 8.5% 8.2% 14.2% 5.3% 10.6%
Common Shares 5,906.00
5,925.00
5,950.00
5,954.00
5,956.00
5,958.00
5,953.00
5,960.00
5,962.00
5,965.00
6,277.00
growth rate 0.3% 0.4% 0.1% 0.0% 0.0% -0.1% 0.1% 0.0% 0.1% 5.2%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 17.00
41.00
59.00
48.00
80.00
24.00
45.00
230.00
401.00
89.00
164.00
growth rate 141.2% 43.9% -18.6% 66.7% -70.0% 87.5% 411.1% 74.4% -77.8% 84.3%
Cash Dividends 238.00
298.00
394.00
479.00
580.00
701.00
830.00
872.00
932.00
998.00
1,055.00
growth rate 25.2% 32.2% 21.6% 21.1% 20.9% 18.4% 5.1% 6.9% 7.1% 5.7%
Cash From OA 2,707.00
1,557.00
2,799.00
1,369.00
5,487.00
-823.00
4,089.00
4,411.00
-361.00
-3,285.00
4,301.00
growth rate -42.5% 79.8% -51.1% 300.8% -100.0% 100.0% 7.9% -100.0% 0.0% 100.0%
FCF per Share 0.46
0.26
0.46
0.07
0.71
-0.04
0.82
0.94
-0.80
1.05
growth rate -43.5% 76.9% -84.8% 914.3% -100.0% 100.0% 14.6% -100.0% 100.0%
Sale Purchase of Stock 3.00
11.00
7.00
5.00
7.00
growth rate 266.7% -36.4% -28.6% 40.0%
FCF 2,690.00
1,516.00
2,740.00
1,284.00
5,407.00
-847.00
5,891.00
4,181.00
-762.00
-3,374.00
4,137.00
growth rate -43.6% 80.7% -53.1% 321.1% -100.0% 100.0% -29.0% -100.0% 0.0% 100.0%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 10,102.00
9,011.00
11,314.00
8,574.00
17,727.00
6,705.00
17,890.00
10,431.00
10,992.00
19,724.00
18,001.00
growth rate -10.8% 25.6% -24.2% 106.8% -62.2% 166.8% -41.7% 5.4% 79.4% -8.7%
Op.Income 820.00
721.00
798.00
1,281.00
1,191.00
1,219.00
1,772.00
2,273.00
2,347.00
2,425.00
1,804.00
growth rate -12.1% 10.7% 60.5% -7.0% 2.4% 45.4% 28.3% 3.3% 3.3% -25.6%
IBT 1,092.00
775.00
1,033.00
1,325.00
1,413.00
1,414.00
1,517.00
2,061.00
2,129.00
2,156.00
1,499.00
growth rate -29.0% 33.3% 28.3% 6.6% 0.1% 7.3% 35.9% 3.3% 1.3% -30.5%
Net Income 820.00
721.00
798.00
893.00
985.00
1,075.00
1,258.00
1,891.00
1,827.00
1,834.00
1,607.00
growth rate -12.1% 10.7% 11.9% 10.3% 9.1% 17.0% 50.3% -3.4% 0.4% -12.4%
EPS 0.14
0.12
0.14
0.15
0.17
0.18
0.21
0.32
0.31
0.31
0.26
growth rate -14.3% 16.7% 7.1% 13.3% 5.9% 16.7% 52.4% -3.1% 0.0% -16.1%
Gross Profit 2,386.00
1,548.00
2,721.00
3,065.00
2,758.00
3,253.00
2,983.00
3,147.00
2,893.00
3,416.00
3,217.00
growth rate -35.1% 75.8% 12.6% -10.0% 18.0% -8.3% 5.5% -8.1% 18.1% -5.8%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 609.50
248.50
248.50
653.50
653.50
growth rate -59.2% 0.0% 163.0% 0.0%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 468.00
508.00
508.00
6,925.00
6,925.00
growth rate 8.6% 0.0% 1,263.2% 0.0%
Acct.Payable
growth rate
Cur.Assets 45,045.00
52,706.00
52,706.00
34,751.00
34,751.00
growth rate 17.0% 0.0% -34.1% 0.0%
Total Assets 560,607.00
591,284.00
591,284.00
570,565.00
570,565.00
growth rate 5.5% 0.0% -3.5% 0.0%
Cash 13,923.00
21,700.00
21,700.00
18,020.00
18,020.00
growth rate 55.9% 0.0% -17.0% 0.0%
Inventory 2,179.00
2,179.00
growth rate 0.0%
Cur.Liabilities 30,257.00
28,031.00
28,031.00
77,566.00
77,566.00
growth rate -7.4% 0.0% 176.7% 0.0%
Liabilities 551,185.00
581,843.00
581,843.00
560,599.00
560,599.00
growth rate 5.6% 0.0% -3.7% 0.0%
LT Debt 5,111.00
5,846.00
5,846.00
5,613.00
5,613.00
growth rate 14.4% 0.0% -4.0% 0.0%
Equity 9,367.00
9,407.00
9,407.00
9,997.00
9,997.00
growth rate 0.4% 0.0% 6.3% 0.0%
Common Shares 149.00
149.00
149.00
149.00
149.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 30.50
21.00
21.00
61.00
61.00
growth rate -31.2% 0.0% 190.5% 0.0%
Cash Dividends 147.00
377.00
377.00
150.50
150.50
growth rate 156.5% 0.0% -60.1% 0.0%
Cash From OA -487.50
3,742.00
3,742.00
-1,591.50
-1,591.50
growth rate 100.0% 0.0% -100.0% 0.0%
Sale Purchase of Stock
growth rate
FCF -518.00
3,721.00
3,721.00
-1,652.50
-1,652.50
growth rate 100.0% 0.0% -100.0% 0.0%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 3,647.00
3,992.00
3,992.00
5,008.50
5,008.50
growth rate 9.5% 0.0% 25.5% 0.0%
Op.Income 609.50
248.50
248.50
653.50
653.50
growth rate -59.2% 0.0% 163.0% 0.0%
IBT 547.50
171.00
171.00
578.50
578.50
growth rate -68.8% 0.0% 238.3% 0.0%
Net Income 480.00
145.00
145.00
658.50
658.50
growth rate -69.8% 0.0% 354.1% 0.0%
Gross Profit 889.00
568.50
568.50
1,040.00
1,040.00
growth rate -36.1% 0.0% 82.9% 0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (52.81)

YOY Growth Grade:

D (33.47)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.31 10.16 0.13
EPS / Growth 16.7% 0.26 4.6%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 8.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 4.6% 10.0% 10.0%
Future PE 0.13 10.17 10.17
Future EPS 0.40 0.67 0.67
Value Price
MOS %
0.01
-99.5%
1.68
-35.6%
1.68
-35.6%
MOS Price 0.01 0.84 0.84
IRT 8.20 6.85 6.85

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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