LLOYDS BANKING GROUP PLC-ADR (LYG)
US5394391099 - ADR
We assign a fundamental rating of 3 out of 10 to LYG. LYG was compared to 411 industry peers in the Banks industry. LYG has a bad profitability rating. Also its financial health evaluation is rather negative. LYG has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
LYG had positive earnings in the past year.
LYG had a positive operating cash flow in the past year.
LYG had positive earnings in each of the past 5 years.
Each year in the past 5 years LYG had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.56%, LYG is doing worse than 76.16% of the companies in the same industry.
LYG's Return On Equity of 10.46% is fine compared to the rest of the industry. LYG outperforms 63.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 10.46% | ||
| ROIC | N/A |
ROA(3y)0.52%
ROA(5y)0.39%
ROE(3y)9.45%
ROE(5y)7.05%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
LYG has a worse Profit Margin (12.64%) than 83.70% of its industry peers.
LYG's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for LYG so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.64% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y64.82%
PM growth 5Y-1.97%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
LYG does not have a ROIC to compare to the WACC, probably because it is not profitable.
LYG has less shares outstanding than it did 1 year ago.
The number of shares outstanding for LYG has been reduced compared to 5 years ago.
LYG has a better debt/assets ratio than last year.
2.2 Solvency
LYG has a debt to FCF ratio of 92.21. This is a negative value and a sign of low solvency as LYG would need 92.21 years to pay back of all of its debts.
LYG has a worse Debt to FCF ratio (92.21) than 89.05% of its industry peers.
A Debt/Equity ratio of 2.65 is on the high side and indicates that LYG has dependencies on debt financing.
With a Debt to Equity ratio value of 2.65, LYG is not doing good in the industry: 94.16% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.65 | ||
| Debt/FCF | 92.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC2.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for LYG have decreased strongly by -17.22% in the last year.
LYG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.59% yearly.
The Revenue has grown by 58.63% in the past year. This is a very strong growth!
Measured over the past years, LYG shows a small growth in Revenue. The Revenue has been growing by 6.51% on average per year.
EPS 1Y (TTM)-17.22%
EPS 3Y49.01%
EPS 5Y-0.59%
EPS growth Q2Q-39.8%
Revenue 1Y (TTM)58.63%
Revenue growth 3Y8.4%
Revenue growth 5Y6.51%
Revenue growth Q2Q20.5%
3.2 Future
LYG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.66% yearly.
The Revenue is expected to grow by 1.33% on average over the next years.
EPS Next Y-19.97%
EPS Next 2Y-2.44%
EPS Next 3Y2.66%
EPS Next 5YN/A
Revenue Next Year-3.01%
Revenue Next 2Y0.18%
Revenue Next 3Y1.33%
Revenue Next 5YN/A
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 accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 6.32 indicates a rather cheap valuation of LYG.
LYG's Price/Earnings ratio is rather cheap when compared to the industry. LYG is cheaper than 90.75% of the companies in the same industry.
When comparing the Price/Earnings ratio of LYG to the average of the S&P500 Index (24.95), we can say LYG is valued rather cheaply.
LYG is valuated cheaply with a Price/Forward Earnings ratio of 7.86.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LYG indicates a rather cheap valuation: LYG is cheaper than 81.75% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.40, LYG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.32 | ||
| Fwd PE | 7.86 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of LYG indicates a rather expensive valuation: LYG more expensive than 80.54% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.05 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.44%
EPS Next 3Y2.66%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.41%, LYG is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.93, LYG pays a better dividend. On top of this LYG pays more dividend than 83.21% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, LYG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.41% |
5.2 History
The dividend of LYG decreases each year by -4.24%.
LYG has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-4.24%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
33.47% of the earnings are spent on dividend by LYG. This is a low number and sustainable payout ratio.
DP33.47%
EPS Next 2Y-2.44%
EPS Next 3Y2.66%
LLOYDS BANKING GROUP PLC-ADR
NYSE:LYG (4/22/2024, 7:13:47 PM)
Premarket: 2.52 -0.01 (-0.4%)2.53
+0.01 (+0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap40.13B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.41% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
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EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.32 | ||
| Fwd PE | 7.86 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 10.46% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 12.64% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.65 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-17.22%
EPS 3Y49.01%
EPS 5Y
EPS growth Q2Q
EPS Next Y-19.97%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)58.63%
Revenue growth 3Y8.4%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y