LYG Stock Analysis: Lloyds Banking | NYSE
Banks - Regional | NYSE, USA | Market Cap: 85.810m USD | 12M Return: 53.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 157M
EPS Trend: -78.8%
Qual. Beats: 0
Rev. Trend: 85.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Lloyds Banking Group plc is a major UK financial services provider operating through three core segments: Retail, Commercial Banking, and Insurance, Pensions and Investments. The Retail segment serves personal customers with current accounts, savings, mortgages, credit cards, unsecured loans, and motor finance, while Commercial Banking offers lending, transactional banking, working capital management, and risk management services to SMEs, corporates, and institutions. The Insurance, Pensions and Investments segment provides life assurance, investment, and pension products. The company distributes its offerings under a wide portfolio of well-known brands including Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, and Lex Autolease.
Founded in 1695 and headquartered in London, the group is one of the UKs largest retail banks and is classified within the Diversified Banks sub-industry of the Financials sector. As an American Depositary Receipt (ADR) trading on the NYSE under the ticker LYG, the stock provides US investors with exposure to a UK-focused banking franchise dominated by mortgage lending, retail deposits, and commercial banking activities. The company was previously known as Lloyds TSB Group plc before adopting its current name in January 2009.
- BoE rate cuts compress net interest margins
- UK mortgage book growth drives retail segment revenue
- Scottish Widows fees depend on UK equity market levels
| Net Income: 5.06b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA 0.90 > 1.0 |
| NWC/Revenue: -673.8% < 20% (prev -1.14k%; Δ 462.3% < -1%) |
| CFO/TA 0.00 > 3% & CFO 4.33b > Net Income 5.06b |
| Net Debt (38.6b) to EBITDA (10.6b): 3.63 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.9b) vs 12m ago -1.32% < -2% |
| Gross Margin: 30.40% > 18% (prev 49.87%; Δ -19.47% > 0.5%) |
| Asset Turnover: 6.97% > 50% (prev 4.17%; Δ 2.81% > 0%) |
| Interest Coverage Ratio: 0.42 > 6 (EBIT TTM 7.17b / Interest Expense TTM 17.1b) |
| A: -0.46 (Total Current Assets 62.1b - Total Current Liabilities 503b) / Total Assets 968b |
| B: 0.01 (Retained Earnings 6.29b / Total Assets 968b) |
| C: 0.01 (EBIT TTM 7.17b / Avg Total Assets 939b) |
| D: 0.05 (Book Value of Equity 48.0b / Total Liabilities 920b) |
| Altman-Z'' = -2.86 = D |
As of July 08, 2026, the stock is trading at USD 6.05 with a total of 15,506,117 shares traded. Over the past week, the price has changed by +5.22%, over one month by +14.15%, over three months by +19.20% and over the past year by +53.50%.
Current recommended Stop Loss: 5.60 (which is 7.4% or 3.2 ATR below the current price).
Lloyds Banking has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold LYG.
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 6 | -0.5% |
P/E Trailing = 14.75
P/E Forward = 11.5741
P/S = 4.4852
P/B = 1.3533
P/EG = 1.1696
Revenue TTM = 65.5b USD
EBIT TTM = 7.17b USD
EBITDA TTM = 10.6b USD
Long Term Debt = 88.2b USD (from longTermDebt, last fiscal year)
Short Term Debt = 40.6b USD (from shortTermDebt, last fiscal year)
Debt = 101b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 38.6b USD (calculated: Debt 101b - CCE 62.1b)
Enterprise Value = 124b USD (85.8b + Debt 101b - CCE 62.1b)
Interest Coverage Ratio = 0.42 (Ebit TTM 7.17b / Interest Expense TTM 17.1b)
EV/FCF = -199.1x (Enterprise Value 124b / FCF TTM -625.0m)
FCF Yield = -0.50% (FCF TTM -625.0m / Enterprise Value 124b)
FCF Margin = -0.95% (FCF TTM -625.0m / Revenue TTM 65.5b)
Net Margin = 7.72% (Net Income TTM 5.06b / Revenue TTM 65.5b)
Gross Margin = 30.40% ((Revenue TTM 65.5b - Cost of Revenue TTM 45.6b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.13 (Enterprise Value 124b / Total Assets 968b)
Interest Expense / Debt = 17.01% (Interest Expense 17.1b / Debt 101b)
Taxrate = 27.77% (1.99b / 7.17b)
NOPAT = 5.18b (EBIT 7.17b * (1 - 27.77%))
Current Ratio = 0.12 (Total Current Assets 62.1b / Total Current Liabilities 503b)
Debt / Equity = 2.10 (Debt 101b / totalStockholderEquity, last quarter 48.0b)
Debt / EBITDA = 3.63 (Net Debt 38.6b / EBITDA 10.6b)
Debt / FCF = -61.80 (negative FCF - burning cash) (Net Debt 38.6b / FCF TTM -625.0m)
Total Stockholder Equity = 47.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.54% (Net Income 5.06b / Total Assets 968b)
RoE = 10.76% (Net Income TTM 5.06b / Total Stockholder Equity 47.0b)
RoCE = 5.30% (EBIT 7.17b / Capital Employed (Equity 47.0b + L.T.Debt 88.2b))
RoIC = 1.03% (NOPAT 5.18b / Invested Capital 502b)
WACC = 10.30% (E(85.8b)/V(187b) * Re(7.98%) + D(101b)/V(187b) * Rd(17.01%) * (1-Tc(0.28)))
Discount Rate = 7.98% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -81.48 | Cagr: -5.43%
[DCF] Fair Price = unknown (Cash Flow -625.0m)
EPS Correlation: -78.76 | EPS CAGR: -21.39% | SUE: 0.22 | # QB: 0
Revenue Correlation: 85.46 | Revenue CAGR: 32.70% | SUE: -0.00 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.12 | Chg30d=N/A | Revisions=+0% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.14 | Chg30d=N/A | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=0.53 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+37.5% | GrowthRev=+10.5%
EPS next Year (2027-12-31): EPS=0.63 | Chg30d=-0.47% | Revisions=+25% | GrowthEPS=+18.9% | GrowthRev=+7.5%
[Analyst] Revisions Ratio: +40% (up=2, down=0)