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

NYSE:LYG • US5394391099

5.55 USD
-0.2 (-3.48%)
At close: Feb 27, 2026
5.5068 USD
-0.04 (-0.78%)
After Hours: 2/27/2026, 10:16:28 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, LYG scores 3 out of 10 in our fundamental rating. LYG was compared to 379 industry peers in the Banks industry. LYG may be in some trouble as it scores bad on both profitability and health. LYG has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year LYG was profitable.
  • LYG had a positive operating cash flow in the past year.
  • In the past 5 years LYG has always 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

  • With a Return On Assets value of 0.44%, LYG is not doing good in the industry: 81.53% of the companies in the same industry are doing better.
  • LYG's Return On Equity of 8.80% is in line compared to the rest of the industry. LYG outperforms 49.60% 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

  • Looking at the Profit Margin, with a value of 17.75%, LYG is doing worse than 72.03% of the companies in the same industry.
  • 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) 17.75%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.82%
PM growth 5Y44.44%
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 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • LYG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for LYG has been reduced compared to 1 year ago.
  • The number of shares outstanding for LYG has been reduced compared to 5 years ago.
  • Compared to 1 year ago, LYG has a worse debt to assets ratio.
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 worse Debt to Equity ratio (2.72) than 91.56% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.72
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.29%
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

4

3. Growth

3.1 Past

  • LYG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.26%, which is quite good.
  • The Earnings Per Share has been growing by 31.15% on average over the past years. This is a very strong growth
  • The Revenue for LYG has decreased by -38.23% in the past year. This is quite bad
  • The Revenue has been decreasing by -5.05% on average over the past years.
EPS 1Y (TTM)12.26%
EPS 3Y-0.98%
EPS 5Y31.15%
EPS Q2Q%1.54%
Revenue 1Y (TTM)-38.23%
Revenue growth 3Y-1.32%
Revenue growth 5Y-5.05%
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 3.35% yearly.
  • Based on estimates for the next years, LYG will show a small growth in Revenue. The Revenue will grow by 5.65% on average per year.
EPS Next Y5.35%
EPS Next 2Y11.61%
EPS Next 3Y10.65%
EPS Next 5Y3.35%
Revenue Next Year10.26%
Revenue Next 2Y8.64%
Revenue Next 3Y7.27%
Revenue Next 5Y5.65%

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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.67, the valuation of LYG can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of LYG indicates a somewhat cheap valuation: LYG is cheaper than 69.92% of the companies listed in the same industry.
  • LYG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.10.
  • LYG is valuated reasonably with a Price/Forward Earnings ratio of 10.11.
  • LYG's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. LYG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.67
Fwd PE 10.11
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates LYG does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.99
PEG (5Y)0.34
EPS Next 2Y11.61%
EPS Next 3Y10.65%

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

5

5. Dividend

5.1 Amount

  • LYG has a Yearly Dividend Yield of 3.48%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.74, LYG pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, LYG pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.48%

5.2 History

  • 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)N/A
Div Incr Years3
Div Non Decr Years3
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 2Y11.61%
EPS Next 3Y10.65%
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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LLOYDS BANKING GROUP PLC-ADR

NYSE:LYG (2/27/2026, 10:16:28 PM)

After market: 5.5068 -0.04 (-0.78%)

5.55

-0.2 (-3.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)07-22
Inst Owners54.04%
Inst Owner Change-4.28%
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap81.64B
Revenue(TTM)23.64B
Net Income(TTM)4.20B
Analysts73.91
Price Target6.38 (14.95%)
Short Float %0.05%
Short Ratio0.65
Dividend
Industry RankSector Rank
Dividend Yield 3.48%
Yearly Dividend0.18
Dividend Growth(5Y)N/A
DP47.66%
Div Incr Years3
Div Non Decr Years3
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)11.84%
PT rev (3m)20.53%
EPS NQ rev (1m)-5.36%
EPS NQ rev (3m)-9.38%
EPS NY rev (1m)-1.92%
EPS NY rev (3m)0.85%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)0.49%
Revenue NY rev (1m)-0.58%
Revenue NY rev (3m)0.45%
Valuation
Industry RankSector Rank
PE 10.67
Fwd PE 10.11
P/S 2.55
P/FCF N/A
P/OCF 10.57
P/B 1.26
P/tB 1.54
EV/EBITDA N/A
EPS(TTM)0.52
EY9.37%
EPS(NY)0.55
Fwd EY9.89%
FCF(TTM)-0.06
FCFYN/A
OCF(TTM)0.53
OCFY9.46%
SpS2.18
BVpS4.39
TBVpS3.6
PEG (NY)1.99
PEG (5Y)0.34
Graham Number7.17
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) 17.75%
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 3Y8.82%
PM growth 5Y44.44%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.72
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 181.85%
Cap/Sales 26.75%
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
WACC4.29%
ROIC/WACCN/A
Cap/Depr(3y)177.92%
Cap/Depr(5y)161.78%
Cap/Sales(3y)18.47%
Cap/Sales(5y)15.89%
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 Y5.35%
EPS Next 2Y11.61%
EPS Next 3Y10.65%
EPS Next 5Y3.35%
Revenue 1Y (TTM)-38.23%
Revenue growth 3Y-1.32%
Revenue growth 5Y-5.05%
Sales Q2Q%8.36%
Revenue Next Year10.26%
Revenue Next 2Y8.64%
Revenue Next 3Y7.27%
Revenue Next 5Y5.65%
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 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.


How profitable is LLOYDS BANKING GROUP PLC-ADR (LYG) stock?

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


What is the financial health of LLOYDS BANKING GROUP PLC-ADR (LYG) stock?

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


How sustainable is the dividend of LLOYDS BANKING GROUP PLC-ADR (LYG) stock?

The dividend rating of LLOYDS BANKING GROUP PLC-ADR (LYG) is 5 / 10 and the dividend payout ratio is 47.66%.