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LAZ

BEARISH
$48.51 Live
Lazard, Inc. · NYSE
Target $52.38 (+8.0%)
$37.37 52W Range $58.75
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 29, 2026
Market cap
$4.56B
P/E
22.35
ROE
28.6%
Profit margin
7.6%
Debt/Equity
2.42
Dividend yield
4.12%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
LAZ exhibits a stable but mediocre Piotroski F-Score of 4/9, while trading at a massive premium to its Graham Number ($21.31) and Intrinsic Value ($15.19). Despite strong ROE and consistent earnings beats, the company is facing a severe YoY earnings collapse of -43.30% and an unsustainable dividend payout ratio of 92.17%. Bearish insider activity and a 0/100 technical trend further signal a lack of confidence in the current price level of $48.51.

Key Strengths

High Return on Equity (ROE) of 28.62%
Exceptional Gross Margins of 89.82%
Consistent track record of beating quarterly earnings estimates
Positive YoY and Q/Q revenue growth (10-11%)
Healthy liquidity with a Current Ratio of 2.19

Key Risks

Severe overvaluation relative to Graham and Intrinsic value baselines
Significant decline in YoY earnings growth (-43.30%)
Unsustainable dividend payout ratio (92.17%)
High leverage with a Debt/Equity ratio of 2.42
Bearish insider sentiment with CEO and Officer selling
AI Fair Value Estimate
Based on comprehensive analysis
$21.31
-56.1% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
41
Moderate
Value
20
Future
45
Past
60
Health
50
Dividend
30
AI Verdict
Overvalued with deteriorating earnings quality
Key drivers: Valuation gap, Earnings collapse, Dividend sustainability
Confidence
90%
Value
20/100

Ref P/E 22.35, PEG 1.00, Graham Number $21.31

Positives
  • Forward P/E is lower (10.64) than current P/E
Watchpoints
  • Price is >120% above Graham Number
  • Price is >200% above Intrinsic Value
Future
45/100

Ref Revenue Growth 10%, Earnings Growth -43.30%

Positives
  • Steady revenue growth
  • Strong historical surprise record
Watchpoints
  • Sharp decline in YoY earnings growth
  • Bearish technical trend
Past
60/100

Ref 1Y Change +29.1%, 3Y Change +79.4%

Positives
  • Strong 3Y and 1Y price performance
  • Consistent quarterly beats
Watchpoints
  • Recent earnings progression shows volatility
Health
50/100

Ref Piotroski F-Score 4/9, Debt/Equity 2.42

Positives
  • Stable Piotroski score
  • Strong current and quick ratios
Watchpoints
  • High Debt/Equity ratio (2.42)
  • Piotroski score is only 4/9
Dividend
30/100

Ref Yield 4.12%, Payout 92.17%

Positives
  • Attractive yield of 4.12%
Watchpoints
  • Dangerously high payout ratio (92.17%)
  • Low dividend strength score (40/100)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$48.51
Analyst Target
$52.38
Upside/Downside
+8.0%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for LAZ and closest competitors.

Updated 2026-04-28
LAZ
Lazard, Inc.
Primary
5Y
+33.0%
3Y
+79.4%
1Y
+29.1%
6M
+0.9%
1M
+20.3%
1W
-0.4%
SLM
SLM Corporation
Peer
5Y
+36.9%
3Y
+71.5%
1Y
-12.1%
6M
-11.4%
1M
+16.1%
1W
+5.6%
BBA
Banco BBVA Argentina S.A.
Peer
5Y
+853.0%
3Y
+421.2%
1Y
-15.4%
6M
+22.0%
1M
+6.0%
1W
+9.6%
IBO
International Bancshares Corporation
Peer
5Y
+73.8%
3Y
+78.8%
1Y
+28.3%
6M
+10.1%
1M
+6.9%
1W
+5.8%
TCB
Texas Capital Bancshares, Inc.
Peer
5Y
+48.7%
3Y
+101.6%
1Y
+45.3%
6M
+16.0%
1M
+4.2%
1W
-5.2%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
22.35
Forward P/E
10.64
PEG Ratio
1.0
P/B Ratio
5.21
P/S Ratio
1.47
EV/Revenue
1.81
EV/EBITDA
N/A
Market Cap
$4.56B

Profitability

Profit margins and return metrics

Profit Margin 7.64%
Operating Margin 13.01%
Gross Margin 89.82%
ROE 28.62%
ROA 5.16%

Growth

Revenue and earnings growth rates

Revenue Growth +10.0%
Earnings Growth -43.3%
Q/Q Revenue Growth +11.48%
Q/Q Earnings Growth -42.2%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
2.42
High debt
Current Ratio
2.19
Strong
Quick Ratio
1.91
Excellent
Cash/Share
$15.65

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.9B
Gross Margin
30.6%
Op. Margin
10.6%
Net Margin
5.4%
Total Assets
$4.9B
Equity
$0.9B
Operating CF
$0.4B
CapEx
$-0.0B
Free Cash Flow
$0.4B
FCF Yield
99%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-01
$N/A
2026-01-29
$0.8
+16.2% surprise
2025-10-23
$0.65
+54.8% surprise
2025-07-24
$0.52
+30.6% surprise

Financial Services Sector Comparison

Comparing LAZ against 864 companies in the Financial Services sector (145 bullish, 368 neutral, 351 bearish)
P/E Ratio
22.35
This Stock
vs
34.88
Sector Avg
-35.9% (Discount)
Return on Equity (ROE)
28.62%
This Stock
vs
-0.39%
Sector Avg
-7496.7% (Below Avg)
Profit Margin
7.64%
This Stock
vs
93.92%
Sector Avg
-91.9% (Weaker)
Debt to Equity
2.42
This Stock
vs
1.35
Sector Avg
+78.7% (Higher)
Revenue Growth
10.0%
This Stock
vs
36.33%
Sector Avg
-72.5% (Slower)
Current Ratio
2.19
This Stock
vs
3.06
Sector Avg
-28.2% (Weaker)

Similar Companies

Peer comparison within the same industry

LAZ Lazard, Inc.
BEARISH
Mkt Cap
$4.6B
P/E
22.4
ROE
28.6%
Price
$48.51
SLM SLM Corporation
NEUTRAL
Mkt Cap
$4.6B
P/E
6.8
ROE
32.3%
Price
$23.42
 Compare with LAZ
BBAR Banco BBVA...
BEARISH
Mkt Cap
$4.5B
P/E
30.3
ROE
7.2%
Price
$19.38
 Compare with LAZ
IBOC International...
NEUTRAL
Mkt Cap
$4.5B
P/E
10.8
ROE
13.6%
Price
$71.68
 Compare with LAZ
TCBI Texas Capital...
NEUTRAL
Mkt Cap
$4.3B
P/E
13.3
ROE
10.1%
Price
$99.13
 Compare with LAZ

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

HOGBIN CHRISTOPHER E. G.
Officer
Sell
2026-03-19
11,829 shares · $473,593
ORSZAG PETER RICHARD
Chief Executive Officer
Sell
2026-03-17
69,170 shares · $2,819,274
HOGBIN CHRISTOPHER E. G.
Officer
Stock Award
2026-03-17
48,332 shares
ORSZAG PETER RICHARD
Chief Executive Officer
Stock Award
2026-03-16
138,340 shares
SOTO ALEXANDRA
Chief Operating Officer
Stock Award
2026-03-02
64,743 shares
GATHY MICHAEL
Officer
Stock Award
2026-03-02
2,251 shares
FARR TRACY
Chief Financial Officer
Stock Award
2026-03-02
5,903 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
DEF 14A
2026-04-07

LAZ filed a definitive proxy statement (DEF 14A) on April 7, 2026, providing shareholders with necessary information and voting materials for the upcoming annual meeting.

10-K
10-K
2026-02-23

LAZ filed its 10-K annual report on February 23, 2026, which includes disclosures regarding its business operations, risk factors, and management's discussion and analysis of financial condition. Specific financial highlights and risk details were not provided in the available excerpts.

8-K
8-K
2026-02-02

LAZ filed an 8-K on February 2, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K
8-K
2026-01-29

LAZ filed an 8-K on January 29, 2026, likely to report its fourth-quarter and full-year financial results.

10-Q
10-Q
2025-10-27

The provided 10-Q filing for LAZ dated October 27, 2025, contains no specific financial highlights. The excerpt identifies the presence of risk factors under Item 1A, though detailed descriptions were not provided.

8-K
8-K
2025-10-23

LAZ filed an 8-K on October 23, 2025, likely to announce its third-quarter financial results.

8-K
8-K
2025-09-10
8-K
8-K
2025-09-08
8-K
8-K
2025-09-02
8-K
8-K
2025-08-04

LAZ announced its second-quarter financial results for the period ending June 30, 2025.

8-K
8-K
2025-08-01
8-K
8-K
2025-07-28
10-Q
10-Q
2025-07-25
8-K
8-K
2025-07-24
8-K
8-K
2025-05-13
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
HOLD
8 analysts
Goldman Sachs
2026-04-14
Maintains
Sell Sell
Citizens
2026-04-10
Maintains
Market Outperform Market Outperform
Morgan Stanley
2026-04-09
Maintains
Underweight Underweight
UBS
2026-04-08
Maintains
Neutral Neutral
Keefe, Bruyette & Woods
2026-04-08
down
Outperform Market Perform
Goldman Sachs
2026-04-01
Maintains
Sell Sell
UBS
2026-03-12
Maintains
Neutral Neutral
Goldman Sachs
2026-03-12
Maintains
Sell Sell
Keefe, Bruyette & Woods
2026-01-30
Maintains
Outperform Outperform
Keefe, Bruyette & Woods
2026-01-08
Maintains
Outperform Outperform

Past News Coverage

Recent headlines mentioning LAZ from our newsroom.

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