LLOYDS BANKING GROUP PLC-ADR (LYG) Fundamental Analysis & Valuation

NYSE:LYG • US5394391099

Current stock price

5.2 USD
-0.04 (-0.76%)
At close:
5.1044 USD
-0.1 (-1.84%)
After Hours:

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

3

1. LYG Profitability Analysis

1.1 Basic Checks

  • In the past year LYG was profitable.
  • LYG had a positive operating cash flow in the past year.
  • Each year in the past 5 years LYG has been profitable.
  • Of the past 5 years LYG 4 years had a positive operating cash flow.
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 10B -10B 20B

1.2 Ratios

  • The Return On Assets of LYG (0.44%) is worse than 85.26% of its industry peers.
  • LYG's Return On Equity of 8.80% is in line compared to the rest of the industry. LYG outperforms 43.95% 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
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

  • LYG's Profit Margin of 8.84% is on the low side compared to the rest of the industry. LYG is outperformed by 87.63% of its industry peers.
  • LYG's Profit Margin has improved in the last couple of years.
  • LYG 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) 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
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 2 4 6 8 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. LYG Health Analysis

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/Equity ratio of 2.72. This is a high value indicating a heavy dependency on external financing.
  • LYG has a Debt to Equity ratio of 2.72. This is amonst the worse of the industry: LYG underperforms 91.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.72
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.12%
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

5

3. LYG Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 12.26% over the past year.
  • LYG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 31.15% yearly.
  • LYG shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.07%.
  • LYG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.16% yearly.
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

  • LYG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.76% yearly.
  • Based on estimates for the next years, LYG will show a small growth in Revenue. The Revenue will grow by 6.06% on average per year.
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.
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 2030 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 2030 0.1 0.2 0.3 0.4 0.5

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4

4. LYG Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.20, 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 77.37% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 26.21, LYG is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.67, the valuation of LYG can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, LYG is valued a bit cheaper than 64.21% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of LYG to the average of the S&P500 Index (23.10), we can say LYG is valued rather cheaply.
Industry RankSector Rank
PE 10.2
Fwd PE 9.67
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LYG Per share dataLYG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3 4

4.3 Compensation for Growth

  • LYG's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • LYG's earnings are expected to grow with 12.75% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.74
PEG (5Y)0.33
EPS Next 2Y11.89%
EPS Next 3Y12.75%

More info and screens

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

6

5. LYG Dividend Analysis

5.1 Amount

  • LYG has a Yearly Dividend Yield of 4.04%, which is a nice return.
  • LYG's Dividend Yield is rather good when compared to the industry average which is at 2.73. LYG pays more dividend than 82.11% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, LYG pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.04%

5.2 History

  • LYG has paid a dividend for at least 10 years, which is a reliable track record.
  • LYG has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years4
Div Non Decr Years4
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

  • 47.66% of the earnings are spent on dividend by LYG. This is a bit on the high side, but may be sustainable.
DP47.66%
EPS Next 2Y11.89%
EPS Next 3Y12.75%
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
LYG Dividend Payout.LYG Dividend Payout, showing the Payout Ratio.LYG Dividend Payout.PayoutRetained Earnings

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LYG Fundamentals: All Metrics, Ratios and Statistics

LLOYDS BANKING GROUP PLC-ADR

NYSE:LYG (4/7/2026, 6:40:00 PM)

After market: 5.1044 -0.1 (-1.84%)

5.2

-0.04 (-0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)07-22
Inst Owners50.85%
Inst Owner Change0%
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap76.43B
Revenue(TTM)47.48B
Net Income(TTM)4.20B
Analysts73.91
Price Target6.38 (22.69%)
Short Float %0.05%
Short Ratio0.35
Dividend
Industry RankSector Rank
Dividend Yield 4.04%
Yearly Dividend0.18
Dividend Growth(5Y)N/A
DP47.66%
Div Incr Years4
Div Non Decr Years4
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)0%
PT rev (3m)17.5%
EPS NQ rev (1m)0.08%
EPS NQ rev (3m)-9.47%
EPS NY rev (1m)0.08%
EPS NY rev (3m)-1.24%
Revenue NQ rev (1m)-3.98%
Revenue NQ rev (3m)-3.51%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.6%
Valuation
Industry RankSector Rank
PE 10.2
Fwd PE 9.67
P/S 1.22
P/FCF N/A
P/OCF 10.15
P/B 1.21
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)0.51
EY9.81%
EPS(NY)0.54
Fwd EY10.35%
FCF(TTM)-0.06
FCFYN/A
OCF(TTM)0.51
OCFY9.85%
SpS4.27
BVpS4.28
TBVpS3.51
PEG (NY)1.74
PEG (5Y)0.33
Graham Number7.01
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
WACC4.12%
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-ADR / LYG Fundamental Analysis 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 4 / 10 to LLOYDS BANKING GROUP PLC-ADR (LYG). This can be considered as Fairly Valued.


Can you provide the profitability details for LLOYDS BANKING GROUP PLC-ADR?

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


Can you provide the financial health for LYG stock?

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


What is the earnings growth outlook for LLOYDS BANKING GROUP PLC-ADR?

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