US5394391099 - ADR

**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.

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.

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.

Industry Rank | Sector 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

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) | 10.46% | ||

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

Compared to 5 years ago, **LYG** has less shares outstanding

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 Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 2.78 | ||

Debt/FCF | N/A | ||

Altman-Z | N/A |

ROIC/WACCN/A

WACC2.45%

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | N/A | ||

Quick Ratio | N/A |

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%

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%

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.

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.

Based on the **Price/Forward Earnings** ratio, **LYG** is valued cheaply inside the industry as 89.05% of the companies are valued more expensively.

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 7.97 | ||

Fwd PE | 7.6 |

Industry Rank | Sector Rank | ||
---|---|---|---|

P/FCF | N/A | ||

EV/EBITDA | N/A |

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-3.39%

EPS Next 3Y2.95%

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 Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 4.88% |

The dividend of **LYG** decreases each year by **-4.24%**.

Dividend Growth(5Y)-4.24%

Div Incr Years3

Div Non Decr Years3

DP39.08%

EPS Next 2Y-3.39%

EPS Next 3Y2.95%

**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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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