LLOYDS BANKING GROUP PLC-ADR (LYG)

US5394391099 - ADR

3.11  0 (0%)

Premarket: 3.11 0 (0%)

Fundamental Rating

3

LYG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. LYG has a bad profitability rating. Also its financial health evaluation is rather negative. LYG has a decent growth rate and is not valued too expensively. LYG also has an excellent dividend rating.



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2

1. Profitability

1.1 Basic Checks

LYG had positive earnings in the past year.
LYG had a negative operating cash flow in the past year.
Each year in the past 5 years LYG has been profitable.
In the past 5 years LYG always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.50%, LYG is doing worse than 73.38% of the companies in the same industry.
LYG has a Return On Equity of 10.04%. This is in the better half of the industry: LYG outperforms 67.41% of its industry peers.
Industry RankSector Rank
ROA 0.5%
ROE 10.04%
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's Profit Margin of 10.46% is on the low side compared to the rest of the industry. LYG is outperformed by 83.58% 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 RankSector Rank
OM N/A
PM (TTM) 10.46%
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

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1

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
LYG has a better debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 2.78 is on the high side and indicates that LYG has dependencies on debt financing.
The Debt to Equity ratio of LYG (2.78) is worse than 95.02% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.78
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC2.45%

2.3 Liquidity

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

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4

3. Growth

3.1 Past

LYG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -30.39%.
LYG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.59% yearly.
Looking at the last year, LYG shows a very strong growth in Revenue. The Revenue has grown by 50.85%.
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)-30.39%
EPS 3Y49.01%
EPS 5Y-0.59%
EPS Q2Q%-29.6%
Revenue 1Y (TTM)50.85%
Revenue growth 3Y8.4%
Revenue growth 5Y6.51%
Sales Q2Q%-8.43%

3.2 Future

LYG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.07% yearly.
LYG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.05% yearly.
EPS Next Y-17.88%
EPS Next 2Y-3.39%
EPS Next 3Y2.95%
EPS Next 5Y3.07%
Revenue Next Year-4.99%
Revenue Next 2Y-0.19%
Revenue Next 3Y1.57%
Revenue Next 5Y2.05%

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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 7.97 indicates a rather cheap valuation of LYG.
Based on the Price/Earnings ratio, LYG is valued cheaply inside the industry as 91.04% of the companies are valued more expensively.
LYG is valuated cheaply when we compare the Price/Earnings ratio to 31.73, which is the current average of the S&P500 Index.
LYG is valuated cheaply with a Price/Forward Earnings ratio of 7.60.
Based on the Price/Forward Earnings ratio, LYG is valued cheaply inside the industry as 89.05% of the companies are valued more expensively.
LYG is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.97
Fwd PE 7.6

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.39%
EPS Next 3Y2.95%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.88%, LYG is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.38, LYG pays a better dividend. On top of this LYG pays more dividend than 85.82% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.22, LYG pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.88%

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.
LYG has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-4.24%
Div Incr Years3
Div Non Decr Years3

5.3 Sustainability

39.08% of the earnings are spent on dividend by LYG. This is a low number and sustainable payout ratio.
DP39.08%
EPS Next 2Y-3.39%
EPS Next 3Y2.95%

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LLOYDS BANKING GROUP PLC-ADR

NYSE:LYG (10/14/2024, 8:04:00 PM)

Premarket: 3.11 0 (0%)

3.11

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap47.64B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 4.88%
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)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
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 RankSector Rank
PE 7.97
Fwd PE 7.6
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 RankSector Rank
ROA 0.5%
ROE 10.04%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 10.46%
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 Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 2.78
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)
High Growth Momentum
Growth
EPS 1Y (TTM)-30.39%
EPS 3Y49.01%
EPS 5Y
EPS Q2Q%
EPS Next Y-17.88%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)50.85%
Revenue growth 3Y8.4%
Revenue growth 5Y
Sales 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