LLOYDS BANKING GROUP PLC-ADR (LYG) Fundamental Analysis & Valuation

NYSE:LYG • US5394391099

5.1388 USD
-0.05 (-0.99%)
Last: Mar 9, 2026, 12:24 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This LYG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Overall LYG gets a fundamental rating of 3 out of 10. We evaluated LYG against 381 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. LYG Profitability Analysis

1.1 Basic Checks

  • In the past year LYG was profitable.
  • In the past year LYG had a positive cash flow from operations.
  • LYG had positive earnings in each of the past 5 years.
  • 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

  • Looking at the Return On Assets, with a value of 0.44%, LYG is doing worse than 83.73% of the companies in the same industry.
  • With a Return On Equity value of 8.80%, LYG perfoms like the industry average, outperforming 47.77% of the companies in the same industry.
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 8.84%, LYG is doing worse than 85.83% of the companies in the same industry.
  • LYG's Profit Margin has improved in the last couple of years.
  • LYG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 8.84%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.76%
PM growth 5Y25.63%
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 2 4 6 8 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. LYG Health Analysis

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.
  • LYG has less shares outstanding than it did 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 92.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.72
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.14%
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

5

3. LYG Growth Analysis

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.
  • Measured over the past years, LYG shows a very strong growth in Earnings Per Share. The EPS has been growing by 31.15% on average per year.
  • The Revenue has grown by 24.07% in the past year. This is a very strong growth!
  • LYG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.16% yearly.
EPS 1Y (TTM)12.26%
EPS 3Y-0.98%
EPS 5Y31.15%
EPS Q2Q%1.54%
Revenue 1Y (TTM)24.07%
Revenue growth 3Y24.51%
Revenue growth 5Y9.16%
Sales Q2Q%8.36%

3.2 Future

  • Based on estimates for the next years, LYG will show a small growth in Earnings Per Share. The EPS will grow by 3.76% on average per year.
  • The Revenue is expected to grow by 6.06% on average over the next years.
EPS Next Y5.86%
EPS Next 2Y11.89%
EPS Next 3Y12.75%
EPS Next 5Y3.76%
Revenue Next Year10.23%
Revenue Next 2Y8.66%
Revenue Next 3Y7.23%
Revenue Next 5Y6.06%

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 decreasing.
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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4

4. LYG Valuation Analysis

4.1 Price/Earnings Ratio

  • LYG is valuated reasonably with a Price/Earnings ratio of 10.08.
  • Based on the Price/Earnings ratio, LYG is valued a bit cheaper than the industry average as 74.80% of the companies are valued more expensively.
  • LYG is valuated cheaply when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
  • LYG is valuated reasonably with a Price/Forward Earnings ratio of 9.47.
  • LYG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. LYG is cheaper than 61.68% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of LYG to the average of the S&P500 Index (24.60), we can say LYG is valued rather cheaply.
Industry RankSector Rank
PE 10.08
Fwd PE 9.47
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

  • LYG's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • LYG's earnings are expected to grow with 12.75% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.72
PEG (5Y)0.32
EPS Next 2Y11.89%
EPS Next 3Y12.75%

More info and screens

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

6

5. LYG Dividend Analysis

5.1 Amount

  • LYG has a Yearly Dividend Yield of 5.91%, which is a nice return.
  • LYG's Dividend Yield is rather good when compared to the industry average which is at 2.86. LYG pays more dividend than 92.39% of the companies in the same industry.
  • LYG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.91%

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 2Y11.89%
EPS Next 3Y12.75%
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

More info and screens

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LYG Fundamentals: All Metrics, Ratios and Statistics

LLOYDS BANKING GROUP PLC-ADR

NYSE:LYG (3/9/2026, 12:24:10 PM)

5.1388

-0.05 (-0.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)07-22
Inst Owners50.85%
Inst Owner Change-4.28%
Ins Owners0.06%
Ins Owner ChangeN/A
Market Cap75.59B
Revenue(TTM)47.48B
Net Income(TTM)4.20B
Analysts73.91
Price Target6.38 (24.15%)
Short Float %0.17%
Short Ratio1.73
Dividend
Industry RankSector Rank
Dividend Yield 5.91%
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)1.27%
PT rev (3m)18.3%
EPS NQ rev (1m)-0.52%
EPS NQ rev (3m)-9.55%
EPS NY rev (1m)-0.64%
EPS NY rev (3m)0.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.49%
Revenue NY rev (1m)-0.6%
Revenue NY rev (3m)0.25%
Valuation
Industry RankSector Rank
PE 10.08
Fwd PE 9.47
P/S 1.19
P/FCF N/A
P/OCF 9.94
P/B 1.19
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)0.51
EY9.92%
EPS(NY)0.54
Fwd EY10.56%
FCF(TTM)-0.06
FCFYN/A
OCF(TTM)0.52
OCFY10.06%
SpS4.3
BVpS4.32
TBVpS3.54
PEG (NY)1.72
PEG (5Y)0.32
Graham Number7.04
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) 8.84%
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 3Y-13.76%
PM growth 5Y25.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 2.72
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 181.85%
Cap/Sales 13.32%
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
WACC4.14%
ROIC/WACCN/A
Cap/Depr(3y)177.92%
Cap/Depr(5y)161.78%
Cap/Sales(3y)14%
Cap/Sales(5y)13.2%
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 Y5.86%
EPS Next 2Y11.89%
EPS Next 3Y12.75%
EPS Next 5Y3.76%
Revenue 1Y (TTM)24.07%
Revenue growth 3Y24.51%
Revenue growth 5Y9.16%
Sales Q2Q%8.36%
Revenue Next Year10.23%
Revenue Next 2Y8.66%
Revenue Next 3Y7.23%
Revenue Next 5Y6.06%
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 6 / 10 and the dividend payout ratio is 47.66%.