LYG Fundamental Analysis - LLOYDS BANKING GROUP PLC-ADR

Fundamental Rating

Overall LYG gets a fundamental rating of 3 out of 10. We evaluated LYG against 392 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.

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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.

LYG had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.43%, LYG is doing worse than 78.32% of the companies in the same industry.

LYG has a Return On Equity of 8.40%. This is comparable to the rest of the industry: LYG outperforms 49.74% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.43%
ROE	8.4%
ROIC	N/A

ROA(3y)0.46%

ROA(5y)0.42%

ROE(3y)8.93%

ROE(5y)7.74%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of LYG (10.27%) is worse than 83.16% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	10.27%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.46%

PM growth 5Y12.85%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 5 years ago, LYG has less shares outstanding

The debt/assets ratio for LYG has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of LYG is 228.60, which is on the high side as it means it would take LYG, 228.60 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 228.60, LYG is doing worse than 86.22% of the companies in the same industry.

A Debt/Equity ratio of 2.55 is on the high side and indicates that LYG has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 2.55, LYG is doing worse than 91.07% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2.55
Debt/FCF	228.6
Altman-Z	N/A

ROIC/WACCN/A

WACC3.59%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

LYG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.64%, which is quite impressive.

The Earnings Per Share has been decreasing by -0.52% on average over the past years.

LYG shows a decrease in Revenue. In the last year, the revenue decreased by -2.11%.

The Revenue has been decreasing by -2.71% on average over the past years.

EPS 1Y (TTM)32.64%

EPS 3Y1.39%

EPS 5Y-0.52%

EPS Q2Q%47.73%

Revenue 1Y (TTM)-2.11%

Revenue growth 3Y-0.44%

Revenue growth 5Y-2.71%

Sales Q2Q%8.94%

3.2 Future

The Earnings Per Share is expected to decrease by -0.72% on average over the next years.

Based on estimates for the next years, LYG will show a small growth in Revenue. The Revenue will grow by 3.72% on average per year.

EPS Next Y-10.02%

EPS Next 2Y7.18%

EPS Next 3Y10.6%

EPS Next 5Y-0.72%

Revenue Next Year7.23%

Revenue Next 2Y8.02%

Revenue Next 3Y7.45%

Revenue Next 5Y3.72%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.66 indicates a reasonable valuation of LYG.

90.05% of the companies in the same industry are more expensive than LYG, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 27.86, LYG is valued rather cheaply.

The Price/Forward Earnings ratio is 8.57, which indicates a very decent valuation of LYG.

Compared to the rest of the industry, the Price/Forward Earnings ratio of LYG indicates a somewhat cheap valuation: LYG is cheaper than 74.49% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of LYG to the average of the S&P500 Index (23.32), we can say LYG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.66
Fwd PE	8.57

4.2 Price Multiples

LYG's Price/Free Cash Flow ratio is rather expensive when compared to the industry. LYG is more expensive than 82.40% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	96.75
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y7.18%

EPS Next 3Y10.6%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.89%, LYG has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.59, LYG pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.44, LYG pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.89%

5.2 History

The dividend of LYG decreases each year by -2.11%.

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)-2.11%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

LYG pays out 49.20% of its income as dividend. This is a bit on the high side, but may be sustainable.

LYG's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.

DP49.2%

EPS Next 2Y7.18%

EPS Next 3Y10.6%

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LLOYDS BANKING GROUP PLC-ADR

NYSE:LYG (10/3/2025, 8:04:00 PM)

After market: 4.59 0 (0%)

4.59

+0.06 (+1.32%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/bmo

Earnings (Next)02-18 2026-02-18/amc

Inst Owners53.55%

Inst Owner Change0%

Ins Owners0.07%

Ins Owner ChangeN/A

Market Cap67.91B

Analysts74.55

Price Target5.03 (9.59%)

Short Float %0.06%

Short Ratio1.06

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.89%

Yearly Dividend0.16

Dividend Growth(5Y)-2.11%

DP49.2%

Div Incr Years3

Div Non Decr Years3

Ex-Date08-04 2025-08-04 (0.065504)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)32.8%

Min EPS beat(2)32.56%

Max EPS beat(2)33.04%

EPS beat(4)4

Avg EPS beat(4)40.54%

Min EPS beat(4)13.66%

Max EPS beat(4)82.9%

EPS beat(8)7

Avg EPS beat(8)24.91%

EPS beat(12)11

Avg EPS beat(12)29.73%

EPS beat(16)14

Avg EPS beat(16)26.77%

Revenue beat(2)0

Avg Revenue beat(2)-4.83%

Min Revenue beat(2)-5.1%

Max Revenue beat(2)-4.56%

Revenue beat(4)0

Avg Revenue beat(4)-4.58%

Min Revenue beat(4)-5.1%

Max Revenue beat(4)-4.24%

Revenue beat(8)0

Avg Revenue beat(8)-5.5%

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)-0.41%

PT rev (3m)9.34%

EPS NQ rev (1m)0.65%

EPS NQ rev (3m)15.15%

EPS NY rev (1m)-0.3%

EPS NY rev (3m)3.52%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.02%

Revenue NY rev (1m)0.02%

Revenue NY rev (3m)0.25%

Valuation

		Industry Rank	Sector Rank
PE	8.66
Fwd PE	8.57
P/S	1.32
P/FCF	96.75
P/OCF	8.44
P/B	1.08
P/tB	1.31
EV/EBITDA	N/A

EPS(TTM)0.53

EY11.55%

EPS(NY)0.54

Fwd EY11.67%

FCF(TTM)0.05

FCFY1.03%

OCF(TTM)0.54

OCFY11.85%

SpS3.47

BVpS4.25

TBVpS3.52

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.43%
ROE	8.4%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	10.27%
GM	N/A
FCFM	1.37%

ROA(3y)0.46%

ROA(5y)0.42%

ROE(3y)8.93%

ROE(5y)7.74%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.46%

PM growth 5Y12.85%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	2.55
Debt/FCF	228.6
Debt/EBITDA	N/A
Cap/Depr	159.37%
Cap/Sales	14.29%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	13.31%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC3.59%

ROIC/WACCN/A

Cap/Depr(3y)170.93%

Cap/Depr(5y)146.65%

Cap/Sales(3y)14.79%

Cap/Sales(5y)12.44%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)32.64%

EPS 3Y1.39%

EPS 5Y-0.52%

EPS Q2Q%47.73%

EPS Next Y-10.02%

EPS Next 2Y7.18%

EPS Next 3Y10.6%

EPS Next 5Y-0.72%

Revenue 1Y (TTM)-2.11%

Revenue growth 3Y-0.44%

Revenue growth 5Y-2.71%

Sales Q2Q%8.94%

Revenue Next Year7.23%

Revenue Next 2Y8.02%

Revenue Next 3Y7.45%

Revenue Next 5Y3.72%

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 1Y-97.28%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-75.84%

OCF growth 3YN/A

OCF growth 5YN/A

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens