LLOYDS BANKING GROUP PLC (LLD.DE) Stock Fundamental Analysis

FRA:LLD • GB0008706128

1.185 EUR
-0.03 (-2.87%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall LLD gets a fundamental rating of 3 out of 10. We evaluated LLD against 108 industry peers in the Banks industry. Both the profitability and financial health of LLD have multiple concerns. LLD has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year LLD was profitable.
  • In the past year LLD had a positive cash flow from operations.
  • LLD had positive earnings in each of the past 5 years.
  • Of the past 5 years LLD 4 years had a positive operating cash flow.
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

  • LLD's Return On Assets of 0.44% is on the low side compared to the rest of the industry. LLD is outperformed by 75.00% of its industry peers.
  • LLD has a worse Return On Equity (8.80%) than 62.96% of its industry peers.
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

  • The Profit Margin of LLD (17.75%) is worse than 75.00% of its industry peers.
  • LLD's Profit Margin has improved in the last couple of years.
  • LLD does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 17.75%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.82%
PM growth 5Y44.44%
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 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • LLD does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • LLD has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for LLD has been reduced compared to 5 years ago.
  • The debt/assets ratio for LLD is higher compared to a year ago.
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

  • A Debt/Equity ratio of 2.70 is on the high side and indicates that LLD has dependencies on debt financing.
  • The Debt to Equity ratio of LLD (2.70) is worse than 70.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.7
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC2.4%
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

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 12.26% over the past year.
  • 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.
  • Looking at the last year, LLD shows a very negative growth in Revenue. The Revenue has decreased by -38.23% in the last year.
  • LLD shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -5.05% yearly.
EPS 1Y (TTM)12.26%
EPS 3Y-0.98%
EPS 5Y31.15%
EPS Q2Q%1.54%
Revenue 1Y (TTM)-38.23%
Revenue growth 3Y-1.32%
Revenue growth 5Y-5.05%
Sales Q2Q%8.36%

3.2 Future

  • LLD is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.35% yearly.
  • LLD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.50% yearly.
EPS Next Y5.35%
EPS Next 2Y11.61%
EPS Next 3Y10.65%
EPS Next 5Y3.35%
Revenue Next Year10.13%
Revenue Next 2Y8.54%
Revenue Next 3Y6.15%
Revenue Next 5Y5.5%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is accelerating: in the next years the growth will be better 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. Valuation

4.1 Price/Earnings Ratio

  • LLD is valuated reasonably with a Price/Earnings ratio of 10.77.
  • Compared to the rest of the industry, the Price/Earnings ratio of LLD is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of LLD to the average of the S&P500 Index (27.10), we can say LLD is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.40, the valuation of LLD can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of LLD indicates a somewhat cheap valuation: LLD is cheaper than 63.89% of the companies listed in the same industry.
  • LLD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 10.77
Fwd PE 10.4
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 25

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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.01
PEG (5Y)0.35
EPS Next 2Y11.61%
EPS Next 3Y10.65%

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

3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.56%, LLD has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.37, LLD is paying slightly less dividend.
  • LLD's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 3.56%

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

  • LLD pays out 47.66% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP47.66%
EPS Next 2Y11.61%
EPS Next 3Y10.65%
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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LLOYDS BANKING GROUP PLC

FRA:LLD (2/27/2026, 7:00:00 PM)

1.185

-0.03 (-2.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)07-22
Inst Owners54.04%
Inst Owner ChangeN/A
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap17.43B
Revenue(TTM)23.64B
Net Income(TTM)4.20B
Analysts73.91
Price Target1.34 (13.08%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.56%
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)10.08%
PT rev (3m)18.81%
EPS NQ rev (1m)-4.09%
EPS NQ rev (3m)-8.51%
EPS NY rev (1m)0%
EPS NY rev (3m)2.44%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)0.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.04%
Valuation
Industry RankSector Rank
PE 10.77
Fwd PE 10.4
P/S 0.64
P/FCF N/A
P/OCF 2.67
P/B 0.32
P/tB 0.39
EV/EBITDA N/A
EPS(TTM)0.11
EY9.28%
EPS(NY)0.11
Fwd EY9.62%
FCF(TTM)-0.05
FCFYN/A
OCF(TTM)0.44
OCFY37.51%
SpS1.84
BVpS3.72
TBVpS3.05
PEG (NY)2.01
PEG (5Y)0.35
Graham Number3.03
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) 17.75%
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 3Y8.82%
PM growth 5Y44.44%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.7
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 26.75%
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
WACC2.4%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)18.47%
Cap/Sales(5y)15.89%
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 Y5.35%
EPS Next 2Y11.61%
EPS Next 3Y10.65%
EPS Next 5Y3.35%
Revenue 1Y (TTM)-38.23%
Revenue growth 3Y-1.32%
Revenue growth 5Y-5.05%
Sales Q2Q%8.36%
Revenue Next Year10.13%
Revenue Next 2Y8.54%
Revenue Next 3Y6.15%
Revenue Next 5Y5.5%
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 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 2 / 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 5.35% 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%.