LLOYDS BANKING GROUP PLC-ADR (LYG) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:LYG • US5394391099

5.79 USD
-0.37 (-6.01%)
Last: Feb 5, 2026, 02:06 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to LYG. LYG was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of LYG have multiple concerns. LYG has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year LYG was profitable.
  • LYG had a positive operating cash flow in the past year.
  • LYG had positive earnings in each of the past 5 years.
  • LYG had a positive operating cash flow in 4 of the past 5 years.
LYG Yearly Net Income VS EBIT VS OCF VS FCFLYG 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 20B 40B

1.2 Ratios

  • LYG has a worse Return On Assets (0.46%) than 80.94% of its industry peers.
  • Looking at the Return On Equity, with a value of 8.98%, LYG is in line with its industry, outperforming 50.91% of the companies in the same industry.
Industry RankSector Rank
ROA 0.46%
ROE 8.98%
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
LYG Yearly ROA, ROE, ROICLYG 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 LYG (17.75%) is worse than 71.54% of its industry peers.
  • LYG's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for LYG so they could not be analyzed.
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
LYG Yearly Profit, Operating, Gross MarginsLYG 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

  • LYG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, LYG has less shares outstanding
  • Compared to 5 years ago, LYG has less shares outstanding
  • LYG has a worse debt/assets ratio than last year.
LYG Yearly Shares OutstandingLYG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B
LYG Yearly Total Debt VS Total AssetsLYG 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

  • LYG has a debt to FCF ratio of 2.98. This is a good value and a sign of high solvency as LYG would need 2.98 years to pay back of all of its debts.
  • LYG's Debt to FCF ratio of 2.98 is on the low side compared to the rest of the industry. LYG is outperformed by 62.14% of its industry peers.
  • A Debt/Equity ratio of 2.55 is on the high side and indicates that LYG has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.55, LYG is not doing good in the industry: 90.34% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.55
Debt/FCF 2.98
Altman-Z N/A
ROIC/WACCN/A
WACC4.44%
LYG Yearly LT Debt VS Equity VS FCFLYG 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
LYG Yearly Current Assets VS Current LiabilitesLYG 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

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 12.26% over the past year.
  • The Earnings Per Share has been growing by 31.15% on average over the past years. This is a very strong growth
  • The Revenue for LYG has decreased by -38.23% in the past year. This is quite bad
  • Measured over the past years, LYG shows a decrease in Revenue. The Revenue has been decreasing by -5.05% on average per year.
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

  • LYG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.68% yearly.
  • LYG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.74% yearly.
EPS Next Y5.35%
EPS Next 2Y11.61%
EPS Next 3Y10.65%
EPS Next 5Y-3.68%
Revenue Next Year10.13%
Revenue Next 2Y8.54%
Revenue Next 3Y6.15%
Revenue Next 5Y2.74%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
LYG Yearly Revenue VS EstimatesLYG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B 40B
LYG Yearly EPS VS EstimatesLYG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.1 0.2 0.3 0.4 0.5

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5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.92, the valuation of LYG can be described as reasonable.
  • Based on the Price/Earnings ratio, LYG is valued a bit cheaper than the industry average as 68.15% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 28.25. LYG is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 10.30 indicates a reasonable valuation of LYG.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of LYG is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.50, LYG is valued rather cheaply.
Industry RankSector Rank
PE 10.92
Fwd PE 10.3
LYG Price Earnings VS Forward Price EarningsLYG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • LYG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. LYG is cheaper than 98.69% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.55
EV/EBITDA N/A
LYG Per share dataLYG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4

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)2.04
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

5

5. Dividend

5.1 Amount

  • LYG has a Yearly Dividend Yield of 3.26%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.64, LYG pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, LYG pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.26%

5.2 History

  • LYG has been paying a dividend for at least 10 years, so it has a reliable track record.
  • LYG has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
LYG Yearly Dividends per shareLYG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15

5.3 Sustainability

  • LYG 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%
LYG Yearly Income VS Free CF VS DividendLYG 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 30B 40B
LYG Dividend Payout.LYG Dividend Payout, showing the Payout Ratio.LYG Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

LLOYDS BANKING GROUP PLC-ADR

NYSE:LYG (2/5/2026, 2:06:49 PM)

5.79

-0.37 (-6.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)07-22
Inst Owners54.04%
Inst Owner Change-2.18%
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap85.05B
Revenue(TTM)23.64B
Net Income(TTM)4.20B
Analysts76.36
Price Target6.3 (8.81%)
Short Float %0.04%
Short Ratio0.8
Dividend
Industry RankSector Rank
Dividend Yield 3.26%
Yearly Dividend0.19
Dividend Growth(5Y)N/A
DP47.66%
Div Incr Years3
Div Non Decr Years3
Ex-Date04-10
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)0
Avg Revenue beat(12)-5.03%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)3.75%
PT rev (3m)7.82%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)0.6%
EPS NY rev (1m)0.51%
EPS NY rev (3m)2.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.43%
Valuation
Industry RankSector Rank
PE 10.92
Fwd PE 10.3
P/S 2.62
P/FCF 1.55
P/OCF 1.34
P/B 1.33
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)0.53
EY9.15%
EPS(NY)0.56
Fwd EY9.7%
FCF(TTM)3.74
FCFY64.62%
OCF(TTM)4.33
OCFY74.82%
SpS2.21
BVpS4.36
TBVpS3.61
PEG (NY)2.04
PEG (5Y)0.35
Graham Number7.21
Profitability
Industry RankSector Rank
ROA 0.46%
ROE 8.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.75%
GM N/A
FCFM 169.5%
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 2.55
Debt/FCF 2.98
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 26.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 954.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC4.44%
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 5Y-3.68%
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 5Y2.74%
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 1Y500.03%
FCF growth 3Y30.19%
FCF growth 5Y10.55%
OCF growth 1Y1156%
OCF growth 3Y28.21%
OCF growth 5Y11.29%

LLOYDS BANKING GROUP PLC-ADR / LYG FAQ

What is the fundamental rating for LYG stock?

ChartMill assigns a fundamental rating of 3 / 10 to LYG.


What is the valuation status for LYG stock?

ChartMill assigns a valuation rating of 5 / 10 to LLOYDS BANKING GROUP PLC-ADR (LYG). This can be considered as Fairly Valued.


How profitable is LLOYDS BANKING GROUP PLC-ADR (LYG) stock?

LLOYDS BANKING GROUP PLC-ADR (LYG) has a profitability rating of 3 / 10.


What is the financial health of LLOYDS BANKING GROUP PLC-ADR (LYG) stock?

The financial health rating of LLOYDS BANKING GROUP PLC-ADR (LYG) is 1 / 10.


How sustainable is the dividend of LLOYDS BANKING GROUP PLC-ADR (LYG) stock?

The dividend rating of LLOYDS BANKING GROUP PLC-ADR (LYG) is 5 / 10 and the dividend payout ratio is 47.66%.