(LYG) Lloyds Banking - Ratings and Ratios

Exchange: NYSE • Country: United Kingdom • Currency: USD • Type: Common Stock • ISIN: US5394391099

Banking, Financial, Insurance, Loans, Mortgages

LYG EPS (Earnings per Share)

EPS (Earnings per Share) of LYG over the last years for every Quarter: "2020-03": 0.026781609195402, "2020-06": -0.026781609195402, "2020-09": 0.041126680967155, "2020-12": 0.036523840219377, "2021-03": 0.078775234013759, "2021-06": 0.1391523892828, "2021-09": 0.087562374448821, "2021-12": 0.022233057045344, "2022-03": 0.062043561899265, "2022-06": 0.090224520605381, "2022-09": 0.069726076129491, "2022-12": 0.089169141026115, "2023-03": 0.094701991772291, "2023-06": 0.01810922787194, "2023-09": 0.08955094595352, "2023-12": 0.072404587630204, "2024-03": 0.075360686007574, "2024-06": 0.076814103932847, "2024-09": 0.071019809244314, "2024-12": 0.044237617554256, "2025-03": 0.074006832923468, "2025-06": 0.091435739160574,

LYG Revenue

Revenue of LYG over the last years for every Quarter: 2020-03: 21692, 2020-06: -12786, 2020-09: 3635, 2020-12: 7624, 2021-03: 3871, 2021-06: 6381, 2021-09: 4326, 2021-12: 4042, 2022-03: 3921, 2022-06: 4589, 2022-09: 4308, 2022-12: 4165, 2023-03: 4808, 2023-06: 4078, 2023-09: 4306, 2023-12: 5313, 2024-03: 4387, 2024-06: 4489, 2024-09: -5106, 2024-12: 24137, 2025-03: 4695, 2025-06: 13885,

Description: LYG Lloyds Banking

Lloyds Banking Group PLC ADR (NYSE:LYG) is a diversified banking institution operating primarily in the United Kingdom, offering a broad spectrum of financial products and services through its three main segments: Retail, Commercial Banking, and Insurance, Pensions, and Investments. The companys diverse portfolio includes current accounts, savings, mortgages, and credit cards for personal customers, as well as lending and risk management services for businesses.

From a strategic perspective, Lloyds Banking Groups diversified business model and brand portfolio, including Lloyds Bank, Halifax, and Scottish Widows, provide a competitive edge. The companys focus on digital banking services is also a key driver of growth. To evaluate the companys performance, key performance indicators (KPIs) such as the net interest margin (NIM), return on equity (ROE), and the cost-to-income ratio are crucial. A high NIM indicates efficient lending and deposit-taking activities, while a strong ROE suggests effective use of shareholder capital. The cost-to-income ratio is a measure of operational efficiency, with lower ratios indicating better cost management.

Analyzing Lloyds Banking Groups financial health, its capital adequacy ratio and leverage ratio are important metrics. A strong capital position is essential for absorbing potential losses and supporting business growth. The companys dividend yield and payout ratio are also significant for income-seeking investors, as they indicate the return on investment and the sustainability of dividend payments.

In terms of valuation, Lloyds Banking Groups price-to-book (P/B) ratio and price-to-earnings (P/E) ratio relative to its peers and the industry average provide insights into its relative value. The companys ROE of 9.48% and P/E ratio of 12.06 suggest a reasonable valuation compared to other banking stocks. However, a more detailed analysis of its financial performance, growth prospects, and industry trends is necessary to determine its investment potential.

LYG Stock Overview

Market Cap in USD 64,965m
Sub-Industry Diversified Banks
IPO / Inception 2001-11-27

LYG Stock Ratings

Growth Rating 88.6%
Fundamental 40.7%
Dividend Rating 70.0%
Return 12m vs S&P 500 25.9%
Analyst Rating 3.0 of 5

LYG Dividends

Dividend Yield 12m 4.35%
Yield on Cost 5y 16.19%
Annual Growth 5y 7.11%
Payout Consistency 70.5%
Payout Ratio 30.3%

LYG Growth Ratios

Growth Correlation 3m 79.4%
Growth Correlation 12m 87.4%
Growth Correlation 5y 74.9%
CAGR 5y 33.13%
CAGR/Max DD 5y 0.82
Sharpe Ratio 12m 2.48
Alpha 38.08
Beta 0.738
Volatility 31.97%
Current Volume 9399.6k
Average Volume 20d 7213.9k
Stop Loss 4.2 (-3.4%)
Signal -0.56

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (4.41b TTM) > 0 and > 6% of Revenue (6% = 2.26b TTM)
FCFTA -0.01 (>2.0%) and ΔFCFTA -1.10pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -1169 % (prev 419.8%; Δ -1589 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.00 (>3.0%) and CFO 3.10b <= Net Income 4.41b (YES >=105%, WARN >=100%)
Net Debt (21.22b) to EBITDA (1.82b) ratio: 11.64 <= 3.0 (WARN <= 3.5)
Current Ratio 0.13 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (15.15b) change vs 12m ago -3.84% (target <= -2.0% for YES)
Gross Margin 49.45% (prev 36.76%; Δ 12.69pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 4.15% (prev 2.07%; Δ 2.08pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 0.29 (EBITDA TTM 1.82b / Interest Expense TTM 19.01b) >= 6 (WARN >= 3)

Altman Z'' -3.06

(A) -0.48 = (Total Current Assets 64.22b - Total Current Liabilities 503.97b) / Total Assets 919.28b
(B) 0.01 = Retained Earnings (Balance) 5.62b / Total Assets 919.28b
(C) 0.01 = EBIT TTM 5.56b / Avg Total Assets 906.10b
(D) 0.01 = Book Value of Equity 11.63b / Total Liabilities 872.41b
Total Rating: -3.06 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 40.70

1. Piotroski 4.0pt = -1.0
2. FCF Yield -1.54% = -0.77
3. FCF Margin -23.28% = -7.50
4. Debt/Equity 12.48 = -2.50
5. Debt/Ebitda 319.8 = -2.50
6. ROIC - WACC 1.00% = 1.26
7. RoE 9.46% = 0.79
8. Rev. Trend -15.42% = -0.77
9. Rev. CAGR 53.05% = 2.50
10. EPS Trend 6.56% = 0.16
11. EPS CAGR 10.36% = 1.04

What is the price of LYG shares?

As of September 07, 2025, the stock is trading at USD 4.35 with a total of 9,399,554 shares traded.
Over the past week, the price has changed by +0.69%, over one month by +0.46%, over three months by +5.41% and over the past year by +50.13%.

Is Lloyds Banking a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Lloyds Banking (NYSE:LYG) is currently (September 2025) a stock to sell. It has a ValueRay Fundamental Rating of 40.70 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of LYG is around 5.45 USD . This means that LYG is currently undervalued and has a potential upside of +25.29% (Margin of Safety).

Is LYG a buy, sell or hold?

Lloyds Banking has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold LYG.
  • Strong Buy: 0
  • Buy: 0
  • Hold: 2
  • Sell: 0
  • Strong Sell: 0

What are the forecasts/targets for the LYG price?

Issuer Target Up/Down from current
Wallstreet Target Price 4.4 0%
Analysts Target Price 4.4 0%
ValueRay Target Price 5.8 32.6%

Last update: 2025-09-06 04:42

LYG Fundamental Data Overview

Market Cap GBP = 48.29b (64.96b USD * 0.7434 USD.GBP)
CCE Cash And Equivalents = 64.22b GBP (Cash And Short Term Investments, last quarter)
P/E Trailing = 11.8378
P/E Forward = 9.1408
P/S = 3.6759
P/B = 1.0384
P/EG = 1.6931
Beta = 1.091
Revenue TTM = 37.61b GBP
EBIT TTM = 5.56b GBP
EBITDA TTM = 1.82b GBP
Long Term Debt = 78.96b GBP (from longTermDebt, last quarter)
Short Term Debt = 503.97b GBP (from totalCurrentLiabilities, last quarter)
Debt = 582.93b GBP (Calculated: Short Term 503.97b + Long Term 78.96b)
Net Debt = 21.22b GBP (from netDebt column, last quarter)
Enterprise Value = 567.00b GBP (48.29b + Debt 582.93b - CCE 64.22b)
Interest Coverage Ratio = 0.29 (Ebit TTM 5.56b / Interest Expense TTM 19.01b)
FCF Yield = -1.54% (FCF TTM -8.76b / Enterprise Value 567.00b)
FCF Margin = -23.28% (FCF TTM -8.76b / Revenue TTM 37.61b)
Net Margin = 11.71% (Net Income TTM 4.41b / Revenue TTM 37.61b)
Gross Margin = 49.45% ((Revenue TTM 37.61b - Cost of Revenue TTM 19.01b) / Revenue TTM)
Tobins Q-Ratio = 48.77 (Enterprise Value 567.00b / Book Value Of Equity 11.63b)
Interest Expense / Debt = 3.26% (Interest Expense 19.01b / Debt 582.93b)
Taxrate = 25.02% (1.49b / 5.97b)
NOPAT = 4.17b (EBIT 5.56b * (1 - 25.02%))
Current Ratio = 0.13 (Total Current Assets 64.22b / Total Current Liabilities 503.97b)
Debt / Equity = 12.48 (Debt 582.93b / last Quarter total Stockholder Equity 46.72b)
Debt / EBITDA = 319.8 (Net Debt 21.22b / EBITDA 1.82b)
Debt / FCF = -66.57 (Debt 582.93b / FCF TTM -8.76b)
Total Stockholder Equity = 46.56b (last 4 quarters mean)
RoA = 0.48% (Net Income 4.41b, Total Assets 919.28b )
RoE = 9.46% (Net Income TTM 4.41b / Total Stockholder Equity 46.56b)
RoCE = 4.43% (Ebit 5.56b / (Equity 46.56b + L.T.Debt 78.96b))
RoIC = 3.93% (NOPAT 4.17b / Invested Capital 106.02b)
WACC = 2.93% (E(48.29b)/V(631.22b) * Re(8.73%)) + (D(582.93b)/V(631.22b) * Rd(3.26%) * (1-Tc(0.25)))
Shares Correlation 5-Years: -90.0 | Cagr: -4.15%
Discount Rate = 8.73% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -8.76b)
Revenue Correlation: -15.42 | Revenue CAGR: 53.05%
Rev Growth-of-Growth: 39.54
EPS Correlation: 6.56 | EPS CAGR: 10.36%
EPS Growth-of-Growth: -8.63

Additional Sources for LYG Stock

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