LFGP

Ledyard Financial Group, Inc.

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Price alert · LFGP

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21.94 USD +1.01 +4.83%
As of Oct 30, 2026
21.17 Day range 21.94
13.50 52-week range 22.50
YTD
+46.56%
1 year
+62.52%
Open
21.17
Prev close
20.93
Mkt cap
76.45M
Vol
7.10K
Avg vol
2.23K
EPS
2.01
P/E
10.92
More statistics
Low
21.17
High
21.94

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Financial health

Altman Z-Score

0.12 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 4
  • P/B 4

Valuation

P/E 8.3×
FY 2016: 13.5×FY 2017: 17.3×FY 2018: 13.4×FY 2019: 13.5×FY 2020: 8.9×FY 2021: 10.2×FY 2022: 8.3×FY 2023: 17.6×FY 2024: 15.7×FY 2025: 8.3×
FY 2016 5y median 10.2× FY 2025
P/S 1.2×
FY 2016: 2.3×FY 2017: 2.5×FY 2018: 2.4×FY 2019: 2.6×FY 2020: 1.8×FY 2021: 2.3×FY 2022: 1.8×FY 2023: 1.3×FY 2024: 0.9×FY 2025: 1.2×
FY 2016 5y median 1.3× FY 2025
P/B 0.8×
FY 2016: 1.3×FY 2017: 1.4×FY 2018: 1.4×FY 2019: 1.4×FY 2020: 0.9×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 0.8×
FY 2016 5y median 1.0× FY 2025
P/FCF 6.2×
FY 2016: 7.9×FY 2017: 13.3×FY 2018: 9.5×FY 2019: 10.2×FY 2020: 8.2×FY 2021: 8.1×FY 2022: 10.2×FY 2023: 32.6×FY 2024: 9.3×FY 2025: 6.2×
FY 2016 5y median 9.3× FY 2025
EV/EBITDA 20.3×
FY 2016: 10.9×FY 2017: 11.9×FY 2018: 11.4×FY 2019: 13.7×FY 2020: 2.5×FY 2021: 7.8×FY 2022: 17.4×FY 2023: 33.8×FY 2024: 18.3×FY 2025: 20.3×
FY 2016 5y median 18.3× FY 2025
EV/Sales 3.5×
FY 2016: 2.8×FY 2017: 2.9×FY 2018: 2.9×FY 2019: 3.6×FY 2020: 0.7×FY 2021: 2.1×FY 2022: 4.6×FY 2023: 3.0×FY 2024: 1.5×FY 2025: 3.5×
FY 2016 5y median 3.0× FY 2025
FCF Yield 16.0%
FY 2016: 12.7%FY 2017: 7.5%FY 2018: 10.5%FY 2019: 9.8%FY 2020: 12.2%FY 2021: 12.4%FY 2022: 9.8%FY 2023: 3.1%FY 2024: 10.8%FY 2025: 16.0%
FY 2016 5y median 10.8% FY 2025

Profitability

Gross Margin 98.0%
FY 2016: 96.4%FY 2017: 96.1%FY 2018: 95.9%FY 2019: 94.0%FY 2020: 87.2%FY 2021: 98.3%FY 2022: 104.9%FY 2023: 72.0%FY 2024: 59.4%FY 2025: 98.0%
FY 2016 5y median 98.0% FY 2025
Operating Margin 17.1%
FY 2016: 21.0%FY 2017: 19.7%FY 2018: 20.5%FY 2019: 21.8%FY 2020: 21.8%FY 2021: 24.7%FY 2022: 23.4%FY 2023: 6.5%FY 2024: 6.3%FY 2025: 17.1%
FY 2016 5y median 17.1% FY 2025
Net Margin 13.9%
FY 2016: 16.9%FY 2017: 14.6%FY 2018: 17.9%FY 2019: 19.0%FY 2020: 20.1%FY 2021: 22.6%FY 2022: 21.8%FY 2023: 7.4%FY 2024: 5.9%FY 2025: 13.9%
FY 2016 5y median 13.9% FY 2025
ROE 9.6%
FY 2016: 9.6%FY 2017: 8.2%FY 2018: 10.6%FY 2019: 10.4%FY 2020: 10.1%FY 2021: 10.7%FY 2022: 13.2%FY 2023: 5.7%FY 2024: 5.8%FY 2025: 9.6%
FY 2016 5y median 9.6% FY 2025
ROIC 0.6%
FY 2016: 5.9%FY 2017: 5.5%FY 2018: 7.1%FY 2019: 6.2%FY 2020: 8.4%FY 2021: 9.7%FY 2022: 0.9%FY 2023: 1.0%FY 2024: 1.9%FY 2025: 0.6%
FY 2016 5y median 1.0% FY 2025
ROA 0.6%
FY 2016: 0.9%FY 2017: 0.8%FY 2018: 1.1%FY 2019: 1.2%FY 2020: 1.0%FY 2021: 1.0%FY 2022: 0.9%FY 2023: 0.4%FY 2024: 0.3%FY 2025: 0.6%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue -21.1%
FY 2016: 2.7%FY 2017: 7.8%FY 2018: 9.4%FY 2019: 6.1%FY 2020: 9.2%FY 2021: 2.8%FY 2022: -6.9%FY 2023: 33.3%FY 2024: 28.7%FY 2025: -21.1%
FY 2016 FY 2025
Operating Income 114.9%
FY 2016: -0.8%FY 2017: 1.4%FY 2018: 13.8%FY 2019: 12.4%FY 2020: 9.4%FY 2021: 16.2%FY 2022: -11.5%FY 2023: -62.8%FY 2024: 23.2%FY 2025: 114.9%
FY 2016 FY 2025
EPS (diluted) 83.7%
FY 2016: 3.1%FY 2017: -6.8%FY 2018: 33.3%FY 2019: 11.6%FY 2020: 15.3%FY 2021: 12.8%FY 2022: -10.5%FY 2023: -54.9%FY 2024: 2.1%FY 2025: 83.7%
FY 2016 FY 2025
Free Cash Flow 46.2%
FY 2016: 4.9%FY 2017: -29.2%FY 2018: 46.1%FY 2019: 4.8%FY 2020: -4.4%FY 2021: 34.4%FY 2022: -42.4%FY 2023: -69.8%FY 2024: 222.2%FY 2025: 46.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 24.2×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.2×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 24.2×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 1.7×
FY 2016: 0.6×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.7×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 2.0×FY 2023: 1.8×FY 2024: 1.3×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
Net Debt / EBITDA 13.5×
FY 2016: 2.2×FY 2017: 1.7×FY 2018: 2.0×FY 2019: 4.1×FY 2020: -3.8×FY 2021: -0.6×FY 2022: 10.5×FY 2023: 19.1×FY 2024: 6.9×FY 2025: 13.5×
FY 2016 5y median 10.5× FY 2025
Interest Coverage 0.0×
FY 2016: 5.9×FY 2017: 5.0×FY 2018: 5.1×FY 2019: 3.6×FY 2020: 4.6×FY 2021: 8.3×FY 2022: 3.6×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025

Dividends

Dividend Yield 5.8%
FY 2016: 3.6%FY 2017: 3.1%FY 2018: 3.3%FY 2019: 3.1%FY 2020: 4.2%FY 2021: 3.4%FY 2022: 4.9%FY 2023: 5.1%FY 2024: 5.6%FY 2025: 5.8%
FY 2016 5y median 5.1% FY 2025
Payout Ratio 48.1%
FY 2016: 48.8%FY 2017: 53.7%FY 2018: 43.7%FY 2019: 41.4%FY 2020: 37.1%FY 2021: 34.4%FY 2022: 40.4%FY 2023: 89.3%FY 2024: 87.5%FY 2025: 48.1%
FY 2016 5y median 48.1% FY 2025

Annual · latest fiscal year ends 2025-12-31