LLOYDS BANKING GROUP PLC (LLD.DE) Fundamental Analysis & Valuation

FRA:LLD • GB0008706128

Current stock price

1.05 EUR
-0.03 (-3.23%)
Last:

This LLD.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. LLD.DE Profitability Analysis

1.1 Basic Checks

  • In the past year LLD was profitable.
  • In the past year LLD had a positive cash flow from operations.
  • Each year in the past 5 years LLD has been profitable.
  • LLD had a positive operating cash flow in 4 of the past 5 years.
LLD.DE Yearly Net Income VS EBIT VS OCF VS FCFLLD.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B

1.2 Ratios

  • With a Return On Assets value of 0.44%, LLD is not doing good in the industry: 75.45% of the companies in the same industry are doing better.
  • With a Return On Equity value of 8.80%, LLD perfoms like the industry average, outperforming 42.73% of the companies in the same industry.
Industry RankSector Rank
ROA 0.44%
ROE 8.8%
ROIC N/A
ROA(3y)0.48%
ROA(5y)0.49%
ROE(3y)9.28%
ROE(5y)9.14%
ROIC(3y)N/A
ROIC(5y)N/A
LLD.DE Yearly ROA, ROE, ROICLLD.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 8.84%, LLD is doing worse than 92.73% of the companies in the same industry.
  • LLD's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for LLD so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 8.84%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.76%
PM growth 5Y25.63%
GM growth 3YN/A
GM growth 5YN/A
LLD.DE Yearly Profit, Operating, Gross MarginsLLD.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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1

2. LLD.DE Health Analysis

2.1 Basic Checks

  • LLD does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, LLD has less shares outstanding
  • LLD has less shares outstanding than it did 5 years ago.
  • LLD has a worse debt/assets ratio than last year.
LLD.DE Yearly Shares OutstandingLLD.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B
LLD.DE Yearly Total Debt VS Total AssetsLLD.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B

2.2 Solvency

  • LLD has a Debt/Equity ratio of 2.72. This is a high value indicating a heavy dependency on external financing.
  • LLD has a Debt to Equity ratio of 2.72. This is in the lower half of the industry: LLD underperforms 70.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.72
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC2.2%
LLD.DE Yearly LT Debt VS Equity VS FCFLLD.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B 40B 60B 80B 100B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
LLD.DE Yearly Current Assets VS Current LiabilitesLLD.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. LLD.DE Growth Analysis

3.1 Past

  • LLD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.26%, which is quite good.
  • Measured over the past years, LLD shows a very strong growth in Earnings Per Share. The EPS has been growing by 31.15% on average per year.
  • LLD shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.07%.
  • Measured over the past years, LLD shows a quite strong growth in Revenue. The Revenue has been growing by 9.16% on average per year.
EPS 1Y (TTM)12.26%
EPS 3Y-0.98%
EPS 5Y31.15%
EPS Q2Q%1.54%
Revenue 1Y (TTM)24.07%
Revenue growth 3Y24.51%
Revenue growth 5Y9.16%
Sales Q2Q%8.36%

3.2 Future

  • The Earnings Per Share is expected to grow by 3.76% on average over the next years.
  • LLD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.06% yearly.
EPS Next Y5.86%
EPS Next 2Y11.89%
EPS Next 3Y12.75%
EPS Next 5Y3.76%
Revenue Next Year10.23%
Revenue Next 2Y8.66%
Revenue Next 3Y7.23%
Revenue Next 5Y6.06%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
LLD.DE Yearly Revenue VS EstimatesLLD.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10B 20B 30B 40B
LLD.DE Yearly EPS VS EstimatesLLD.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0.02 0.04 0.06 0.08 0.1

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4

4. LLD.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.55, the valuation of LLD can be described as reasonable.
  • Based on the Price/Earnings ratio, LLD is valued a bit cheaper than 66.36% of the companies in the same industry.
  • LLD is valuated cheaply when we compare the Price/Earnings ratio to 24.89, which is the current average of the S&P500 Index.
  • LLD is valuated reasonably with a Price/Forward Earnings ratio of 9.12.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of LLD indicates a somewhat cheap valuation: LLD is cheaper than 70.00% of the companies listed in the same industry.
  • LLD is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.55
Fwd PE 9.12
LLD.DE Price Earnings VS Forward Price EarningsLLD.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LLD.DE Per share dataLLD.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as LLD's earnings are expected to grow with 12.75% in the coming years.
PEG (NY)1.63
PEG (5Y)0.31
EPS Next 2Y11.89%
EPS Next 3Y12.75%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. LLD.DE Dividend Analysis

5.1 Amount

  • LLD has a Yearly Dividend Yield of 3.95%.
  • LLD's Dividend Yield is slightly below the industry average, which is at 4.78.
  • Compared to an average S&P500 Dividend Yield of 1.89, LLD pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.95%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
LLD.DE Yearly Dividends per shareLLD.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.01 0.01 0.02 0.02 0.03

5.3 Sustainability

  • 47.66% of the earnings are spent on dividend by LLD. This is a bit on the high side, but may be sustainable.
DP47.66%
EPS Next 2Y11.89%
EPS Next 3Y12.75%
LLD.DE Yearly Income VS Free CF VS DividendLLD.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B
LLD.DE Dividend Payout.LLD.DE Dividend Payout, showing the Payout Ratio.LLD.DE Dividend Payout.PayoutRetained Earnings

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LLD.DE Fundamentals: All Metrics, Ratios and Statistics

LLOYDS BANKING GROUP PLC

FRA:LLD (3/27/2026, 7:00:00 PM)

1.05

-0.03 (-3.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)07-22
Inst Owners50.85%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap15.43B
Revenue(TTM)47.48B
Net Income(TTM)4.20B
Analysts73.91
Price Target1.35 (28.57%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.95%
Yearly Dividend0.04
Dividend Growth(5Y)N/A
DP47.66%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.11%
Min EPS beat(2)-10.65%
Max EPS beat(2)28.87%
EPS beat(4)3
Avg EPS beat(4)20.95%
Min EPS beat(4)-10.65%
Max EPS beat(4)33.04%
EPS beat(8)7
Avg EPS beat(8)29.48%
EPS beat(12)10
Avg EPS beat(12)21.42%
EPS beat(16)14
Avg EPS beat(16)27.37%
Revenue beat(2)0
Avg Revenue beat(2)-4.94%
Min Revenue beat(2)-5.72%
Max Revenue beat(2)-4.15%
Revenue beat(4)0
Avg Revenue beat(4)-4.88%
Min Revenue beat(4)-5.72%
Max Revenue beat(4)-4.15%
Revenue beat(8)0
Avg Revenue beat(8)-4.86%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.24%
PT rev (3m)15.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.95%
EPS NY rev (1m)0.48%
EPS NY rev (3m)0.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.49%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.6%
Valuation
Industry RankSector Rank
PE 9.55
Fwd PE 9.12
P/S 0.28
P/FCF N/A
P/OCF 2.35
P/B 0.28
P/tB 0.34
EV/EBITDA N/A
EPS(TTM)0.11
EY10.48%
EPS(NY)0.12
Fwd EY10.96%
FCF(TTM)-0.05
FCFYN/A
OCF(TTM)0.45
OCFY42.6%
SpS3.73
BVpS3.74
TBVpS3.07
PEG (NY)1.63
PEG (5Y)0.31
Graham Number3.04
Profitability
Industry RankSector Rank
ROA 0.44%
ROE 8.8%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 8.84%
GM N/A
FCFM N/A
ROA(3y)0.48%
ROA(5y)0.49%
ROE(3y)9.28%
ROE(5y)9.14%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.76%
PM growth 5Y25.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 2.72
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 181.85%
Cap/Sales 13.32%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC2.2%
ROIC/WACCN/A
Cap/Depr(3y)177.92%
Cap/Depr(5y)161.78%
Cap/Sales(3y)14%
Cap/Sales(5y)13.2%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.26%
EPS 3Y-0.98%
EPS 5Y31.15%
EPS Q2Q%1.54%
EPS Next Y5.86%
EPS Next 2Y11.89%
EPS Next 3Y12.75%
EPS Next 5Y3.76%
Revenue 1Y (TTM)24.07%
Revenue growth 3Y24.51%
Revenue growth 5Y9.16%
Sales Q2Q%8.36%
Revenue Next Year10.23%
Revenue Next 2Y8.66%
Revenue Next 3Y7.23%
Revenue Next 5Y6.06%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y93.79%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y229.78%
OCF growth 3Y-36.26%
OCF growth 5Y-26.82%

LLOYDS BANKING GROUP PLC / LLD.DE Fundamental Analysis FAQ

What is the ChartMill fundamental rating of LLOYDS BANKING GROUP PLC (LLD.DE) stock?

ChartMill assigns a fundamental rating of 3 / 10 to LLD.DE.


Can you provide the valuation status for LLOYDS BANKING GROUP PLC?

ChartMill assigns a valuation rating of 4 / 10 to LLOYDS BANKING GROUP PLC (LLD.DE). This can be considered as Fairly Valued.


What is the profitability of LLD stock?

LLOYDS BANKING GROUP PLC (LLD.DE) has a profitability rating of 3 / 10.


What is the expected EPS growth for LLOYDS BANKING GROUP PLC (LLD.DE) stock?

The Earnings per Share (EPS) of LLOYDS BANKING GROUP PLC (LLD.DE) is expected to grow by 5.86% in the next year.


Can you provide the dividend sustainability for LLD stock?

The dividend rating of LLOYDS BANKING GROUP PLC (LLD.DE) is 3 / 10 and the dividend payout ratio is 47.66%.