LYG Fundamental Analysis - LLOYDS BANKING GROUP PLC-ADR

Fundamental Rating

LYG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 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.

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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.

LYG had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of LYG (0.43%) is worse than 78.37% of its industry peers.

LYG has a Return On Equity (8.40%) which is comparable to the rest of the industry.

		Industry Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 10.25%, LYG is doing worse than 83.21% 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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for LYG has been reduced compared to 5 years ago.

Compared to 1 year ago, LYG has an improved debt to assets ratio.

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.

The Debt to FCF ratio of LYG (228.60) is worse than 86.26% 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.

With a Debt to Equity ratio value of 2.55, LYG is not doing good in the industry: 91.86% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	2.55
Debt/FCF	228.6
Altman-Z	N/A

ROIC/WACCN/A

WACC3.52%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 32.64% over the past year.

The Earnings Per Share has been decreasing by -0.52% on average over the past years.

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

LYG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.46% yearly.

LYG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.73% yearly.

EPS Next Y-11.33%

EPS Next 2Y5.86%

EPS Next 3Y9.16%

EPS Next 5Y3.46%

Revenue Next Year7.1%

Revenue Next 2Y7.77%

Revenue Next 3Y7.18%

Revenue Next 5Y4.73%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.64, the valuation of LYG can be described as reasonable.

LYG's Price/Earnings ratio is rather cheap when compared to the industry. LYG is cheaper than 91.86% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.11, LYG is valued rather cheaply.

LYG is valuated reasonably with a Price/Forward Earnings ratio of 8.77.

76.34% of the companies in the same industry are more expensive than LYG, based on the Price/Forward Earnings ratio.

LYG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.78.

		Industry Rank	Sector Rank
PE	8.64
Fwd PE	8.77

4.2 Price Multiples

82.95% of the companies in the same industry are cheaper than LYG, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	96.57
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y5.86%

EPS Next 3Y9.16%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.14%, LYG is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.54, LYG pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.39, LYG pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.14%

5.2 History

The dividend of LYG decreases each year by -2.11%.

LYG has paid a dividend for at least 10 years, which is 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

5.3 Sustainability

LYG pays out 49.20% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP49.2%

EPS Next 2Y5.86%

EPS Next 3Y9.16%

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LLOYDS BANKING GROUP PLC-ADR

NYSE:LYG (8/14/2025, 5:05:00 PM)

After market: 4.5899 +0.01 (+0.22%)

4.58

+0.03 (+0.66%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/bmo

Earnings (Next)N/A N/A

Inst Owners49.21%

Inst Owner Change-0.14%

Ins Owners0.06%

Ins Owner ChangeN/A

Market Cap68.40B

Analysts70.91

Price Target4.93 (7.64%)

Short Float %0.04%

Short Ratio0.37

Dividend

		Industry Rank	Sector 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)7.1%

PT rev (3m)15.68%

EPS NQ rev (1m)8.69%

EPS NQ rev (3m)5.27%

EPS NY rev (1m)1.06%

EPS NY rev (3m)1.27%

Revenue NQ rev (1m)1.02%

Revenue NQ rev (3m)0.96%

Revenue NY rev (1m)0.13%

Revenue NY rev (3m)0.13%

Valuation

		Industry Rank	Sector Rank
PE	8.64
Fwd PE	8.77
P/S	1.32
P/FCF	96.57
P/OCF	8.43
P/B	1.08
P/tB	1.3
EV/EBITDA	N/A

EPS(TTM)0.53

EY11.57%

EPS(NY)0.52

Fwd EY11.4%

FCF(TTM)0.05

FCFY1.04%

OCF(TTM)0.54

OCFY11.87%

SpS3.48

BVpS4.24

TBVpS3.51

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC3.52%

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-11.33%

EPS Next 2Y5.86%

EPS Next 3Y9.16%

EPS Next 5Y3.46%

Revenue 1Y (TTM)-1.92%

Revenue growth 3Y-0.38%

Revenue growth 5Y-2.67%

Sales Q2Q%8.94%

Revenue Next Year7.1%

Revenue Next 2Y7.77%

Revenue Next 3Y7.18%

Revenue Next 5Y4.73%

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

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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