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

NYSE:LYG - US5394391099 - ADR

4.375 USD
+0.03 (+0.57%)
Last: 9/8/2025, 12:21:11 PM
Fundamental Rating

3

Overall LYG gets a fundamental rating of 3 out of 10. We evaluated LYG against 391 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

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3

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.
In the past 5 years LYG has always been profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B

1.2 Ratios

LYG has a worse Return On Assets (0.43%) than 78.01% of its industry peers.
LYG has a Return On Equity of 8.40%. This is comparable to the rest of the industry: LYG outperforms 49.87% of its industry peers.
Industry RankSector 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
LYG Yearly ROA, ROE, ROICLYG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 10.25%, LYG is not doing good in the industry: 83.12% of the companies in the same industry are doing better.
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) 10.25%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.51%
PM growth 5Y12.8%
GM growth 3YN/A
GM growth 5YN/A
LYG Yearly Profit, Operating, Gross MarginsLYG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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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.
Compared to 1 year ago, LYG has less shares outstanding
Compared to 5 years ago, LYG has less shares outstanding
LYG has a better debt/assets ratio than last year.
LYG Yearly Shares OutstandingLYG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
LYG Yearly Total Debt VS Total AssetsLYG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

2.2 Solvency

LYG has a debt to FCF ratio of 228.60. This is a negative value and a sign of low solvency as LYG would need 228.60 years to pay back of all of its debts.
LYG's Debt to FCF ratio of 228.60 is on the low side compared to the rest of the industry. LYG is outperformed by 84.65% 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.
LYG's Debt to Equity ratio of 2.55 is on the low side compared to the rest of the industry. LYG is outperformed by 90.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.55
Debt/FCF 228.6
Altman-Z N/A
ROIC/WACCN/A
WACC3.49%
LYG Yearly LT Debt VS Equity VS FCFLYG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 32.64% over the past year.
Measured over the past years, LYG shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.52% on average per year.
The Revenue has decreased by -1.92% in the past year.
LYG shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.67% yearly.
EPS 1Y (TTM)32.64%
EPS 3Y1.39%
EPS 5Y-0.52%
EPS Q2Q%47.73%
Revenue 1Y (TTM)-1.92%
Revenue growth 3Y-0.38%
Revenue growth 5Y-2.67%
Sales Q2Q%8.94%

3.2 Future

Based on estimates for the next years, LYG will show a decrease in Earnings Per Share. The EPS will decrease by -0.80% on average per year.
Based on estimates for the next years, LYG will show a small growth in Revenue. The Revenue will grow by 3.64% on average per year.
EPS Next Y-9.16%
EPS Next 2Y7.52%
EPS Next 3Y10.78%
EPS Next 5Y-0.8%
Revenue Next Year7.21%
Revenue Next 2Y7.96%
Revenue Next 3Y7.38%
Revenue Next 5Y3.64%

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 accelerating: in the next years the growth will be better than in the last years.
LYG Yearly Revenue VS EstimatesLYG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.1 0.2 0.3 0.4

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.25 indicates a reasonable valuation of LYG.
Based on the Price/Earnings ratio, LYG is valued cheaper than 92.33% of the companies in the same industry.
LYG is valuated cheaply when we compare the Price/Earnings ratio to 27.02, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.12 indicates a reasonable valuation of LYG.
84.91% of the companies in the same industry are more expensive than LYG, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.66, LYG is valued rather cheaply.
Industry RankSector Rank
PE 8.25
Fwd PE 8.12
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

81.07% of the companies in the same industry are cheaper than LYG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 92.25
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y7.52%
EPS Next 3Y10.78%

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6

5. Dividend

5.1 Amount

LYG has a Yearly Dividend Yield of 4.14%, which is a nice return.
LYG's Dividend Yield is a higher than the industry average which is at 3.56.
Compared to an average S&P500 Dividend Yield of 2.45, LYG pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.14%

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
LYG Yearly Dividends per shareLYG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2021 2022 2023 2024 2025 0.05 0.1 0.15

5.3 Sustainability

49.20% of the earnings are spent on dividend by LYG. This is a bit on the high side, but may be sustainable.
The Dividend Rate of LYG has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP49.2%
EPS Next 2Y7.52%
EPS Next 3Y10.78%
LYG Yearly Income VS Free CF VS DividendLYG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B
LYG Dividend Payout.LYG Dividend Payout, showing the Payout Ratio.LYG Dividend Payout.PayoutRetained Earnings

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LLOYDS BANKING GROUP PLC-ADR

NYSE:LYG (9/8/2025, 12:21:11 PM)

4.375

+0.03 (+0.57%)

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 Owners49.21%
Inst Owner Change24%
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap65.15B
Analysts74.55
Price Target5.05 (15.43%)
Short Float %0.04%
Short Ratio0.6
Dividend
Industry RankSector Rank
Dividend Yield 4.14%
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)12.25%
PT rev (3m)11.6%
EPS NQ rev (1m)5.25%
EPS NQ rev (3m)10.61%
EPS NY rev (1m)2.74%
EPS NY rev (3m)3.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.96%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.23%
Valuation
Industry RankSector Rank
PE 8.25
Fwd PE 8.12
P/S 1.26
P/FCF 92.25
P/OCF 8.05
P/B 1.03
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)0.53
EY12.11%
EPS(NY)0.54
Fwd EY12.31%
FCF(TTM)0.05
FCFY1.08%
OCF(TTM)0.54
OCFY12.42%
SpS3.48
BVpS4.24
TBVpS3.51
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.43%
ROE 8.4%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.25%
GM N/A
FCFM 1.36%
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-9.51%
PM growth 5Y12.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.55
Debt/FCF 228.6
Debt/EBITDA N/A
Cap/Depr 159.37%
Cap/Sales 14.27%
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
WACC3.49%
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-9.16%
EPS Next 2Y7.52%
EPS Next 3Y10.78%
EPS Next 5Y-0.8%
Revenue 1Y (TTM)-1.92%
Revenue growth 3Y-0.38%
Revenue growth 5Y-2.67%
Sales Q2Q%8.94%
Revenue Next Year7.21%
Revenue Next 2Y7.96%
Revenue Next 3Y7.38%
Revenue Next 5Y3.64%
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