(LYG) Lloyds Banking - Overview
Stock: Accounts, Mortgages, Loans, Insurance, Investments
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.40% |
| Yield on Cost 5y | 19.00% |
| Yield CAGR 5y | 25.29% |
| Payout Consistency | 70.9% |
| Payout Ratio | 50.1% |
| Risk 5d forecast | |
|---|---|
| Volatility | 37.7% |
| Relative Tail Risk | -1.72% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.38 |
| Alpha | 85.67 |
| Character TTM | |
|---|---|
| Beta | 0.776 |
| Beta Downside | 0.814 |
| Drawdowns 3y | |
|---|---|
| Max DD | 22.64% |
| CAGR/Max DD | 1.75 |
Description: LYG Lloyds Banking January 27, 2026
Lloyds Banking Group plc (NYSE: LYG) operates three core segments in the UK and internationally: Retail banking (personal accounts, mortgages, credit cards, and motor finance); Commercial Banking (lending, cash-management, and risk-management services to SMEs and corporates); and Insurance, Pensions & Investments (life insurance, pensions, and wealth-management products). Its portfolio of brands includes Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, and Black Horse, among others, and the group also delivers digital banking services.
As of the latest Q3 2024 release, LYG reported a net interest margin of 2.12% (up 5 bps YoY), a loan book growth of 3.1% driven primarily by mortgage originations, and a CET1 capital ratio of 15.4%, comfortably above the 13.5% regulatory minimum. The UK’s Bank of England policy rate, currently at 5.25%, remains a key driver of LYG’s net interest income, while persistent housing-price volatility and tightening credit standards pose upside risk to loan-loss provisions.
For a deeper dive into how these fundamentals translate into valuation metrics, you might explore the latest analyst models on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 4.66b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA 0.90 > 1.0 |
| NWC/Revenue: 395.7% < 20% (prev -1135 %; Δ 1531 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 13.20b > Net Income 4.66b |
| Net Debt (140.33b) to EBITDA (6.66b): 21.07 < 3 |
| Current Ratio: 7.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.95b) vs 12m ago -4.17% < -2% |
| Gross Margin: 85.27% > 18% (prev 0.49%; Δ 8478 % > 0.5%) |
| Asset Turnover: 7.03% > 50% (prev 4.15%; Δ 2.88% > 0%) |
| Interest Coverage Ratio: 0.39 > 6 (EBITDA TTM 6.66b / Interest Expense TTM 17.14b) |
Altman Z'' 1.87
| A: 0.27 (Total Current Assets 297.90b - Total Current Liabilities 40.67b) / Total Assets 942.41b |
| B: 0.01 (Retained Earnings 6.28b / Total Assets 942.41b) |
| C: 0.01 (EBIT TTM 6.66b / Avg Total Assets 924.55b) |
| D: 0.01 (Book Value of Equity 12.16b / Total Liabilities 899.99b) |
| Altman-Z'' Score: 1.87 = BBB |
What is the price of LYG shares?
Over the past week, the price has changed by -4.21%, over one month by +8.64%, over three months by +19.39% and over the past year by +99.37%.
Is LYG a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the LYG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 5.9 | -0.5% |
| Analysts Target Price | 5.9 | -0.5% |
| ValueRay Target Price | 8.8 | 49.6% |
LYG Fundamental Data Overview February 09, 2026
P/E Forward = 11.325
P/S = 4.6704
P/B = 1.3491
P/EG = 1.1439
Revenue TTM = 65.00b USD
EBIT TTM = 6.66b USD
EBITDA TTM = 6.66b USD
Long Term Debt = 88.17b USD (from longTermDebt, last quarter)
Short Term Debt = 40.62b USD (from shortTermDebt, last quarter)
Debt = 140.33b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 140.33b USD (from netDebt column, last quarter)
Enterprise Value = 227.28b USD (86.95b + Debt 140.33b - (null CCE))
Interest Coverage Ratio = 0.39 (Ebit TTM 6.66b / Interest Expense TTM 17.14b)
EV/FCF = -363.7x (Enterprise Value 227.28b / FCF TTM -625.0m)
FCF Yield = -0.27% (FCF TTM -625.0m / Enterprise Value 227.28b)
FCF Margin = -0.96% (FCF TTM -625.0m / Revenue TTM 65.00b)
Net Margin = 7.17% (Net Income TTM 4.66b / Revenue TTM 65.00b)
Gross Margin = 85.27% ((Revenue TTM 65.00b - Cost of Revenue TTM 9.57b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.24 (Enterprise Value 227.28b / Total Assets 942.41b)
Interest Expense / Debt = 12.21% (Interest Expense 17.14b / Debt 140.33b)
Taxrate = 27.63% (548.0m / 1.98b)
NOPAT = 4.82b (EBIT 6.66b * (1 - 27.63%))
Current Ratio = 7.32 (Total Current Assets 297.90b / Total Current Liabilities 40.67b)
Debt / Equity = 3.35 (Debt 140.33b / totalStockholderEquity, last quarter 41.85b)
Debt / EBITDA = 21.07 (Net Debt 140.33b / EBITDA 6.66b)
Debt / FCF = -224.5 (out of range, set to none) (Net Debt 140.33b / FCF TTM -625.0m)
Total Stockholder Equity = 45.46b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.50% (Net Income 4.66b / Total Assets 942.41b)
RoE = 10.25% (Net Income TTM 4.66b / Total Stockholder Equity 45.46b)
RoCE = 4.98% (EBIT 6.66b / Capital Employed (Equity 45.46b + L.T.Debt 88.17b))
RoIC = 4.86% (NOPAT 4.82b / Invested Capital 99.25b)
WACC = 8.81% (E(86.95b)/V(227.28b) * Re(8.78%) + D(140.33b)/V(227.28b) * Rd(12.21%) * (1-Tc(0.28)))
Discount Rate = 8.78% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.08%
Fair Price DCF = unknown (Cash Flow -625.0m)
EPS Correlation: -21.33 | EPS CAGR: 12.95% | SUE: 0.25 | # QB: 0
Revenue Correlation: -20.55 | Revenue CAGR: 97.94% | SUE: 3.97 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.12 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=0.55 | Chg30d=+0.035 | Revisions Net=+1 | Growth EPS=+43.0% | Growth Revenue=+9.1%