(LYG) Lloyds Banking - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 76.058m USD | Total Return: 28.1% in 12m
Industry Rotation: -8.0
Avg Turnover: 91.5M
EPS Trend: -21.7%
Qual. Beats: 0
Rev. Trend: -12.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Lloyds Banking Group PLC is a major United Kingdom financial institution operating through three primary segments: Retail, Commercial Banking, and Insurance, Pensions and Investments. The company manages a multi-brand portfolio including Halifax, Bank of Scotland, and Scottish Widows, providing services ranging from personal mortgages and motor finance to corporate debt financing and pension management.
As a leading player in the U.K. diversified banking sector, Lloyds utilizes a relationship-driven business model that integrates traditional retail banking with specialized insurance and wealth management services. Unlike many global peers, the group maintains a domestic focus, making its performance highly sensitive to British interest rate cycles and regional economic conditions.
For more detailed insights into the companys valuation metrics, you can explore the data on ValueRay.
- Bank of England interest rate shifts impact net interest margin performance
- UK housing market volatility dictates mortgage lending volume and credit quality
- Regulatory investigations into historical motor finance commissions create significant capital headwinds
- Cost-to-income ratio improvements drive profitability through digital transformation and branch closures
- UK macroeconomic stability influences loan loss provisions and commercial credit demand
| 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 0.01 > 3% & CFO 13.20b > Net Income 5.06b |
| Net Debt (38.62b) to EBITDA (7.17b): 5.39 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.95b) vs 12m ago -1.32% < -2% |
| Gross Margin: 85.38% > 18% (prev 0.50%; Δ 8.49k% > 0.5%) |
| Asset Turnover: 6.97% > 50% (prev 4.17%; Δ 2.81% > 0%) |
| Interest Coverage Ratio: 0.42 > 6 (EBITDA TTM 7.17b / Interest Expense TTM 17.14b) |
| A: -0.46 (Total Current Assets 62.13b - Total Current Liabilities 503.40b) / Total Assets 968.12b |
| B: 0.01 (Retained Earnings 6.29b / Total Assets 968.12b) |
| C: 0.01 (EBIT TTM 7.17b / Avg Total Assets 938.92b) |
| D: 0.01 (Book Value of Equity 12.18b / Total Liabilities 919.89b) |
| Altman-Z'' Score: -2.90 = D |
| DSRI: 1.48 (Receivables 1.35b/526.0m, Revenue 65.49b/37.92b) |
| GMI: 0.58 (GM 85.38% / 49.87%) |
| AQI: 1.01 (AQ_t 0.92 / AQ_t-1 0.92) |
| SGI: 1.73 (Revenue 65.49b / 37.92b) |
| TATA: -0.01 (NI 5.06b - CFO 13.20b) / TA 968.12b) |
| Beneish M-Score: -2.49 (Cap -4..+1) = BBB |
Over the past week, the price has changed by -7.00%, over one month by -11.09%, over three months by -9.23% and over the past year by +28.13%.
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 5.9 | 17.2% |
P/E Forward = 10.352
P/S = 3.9792
P/B = 1.2122
P/EG = 1.0455
Revenue TTM = 65.49b USD
EBIT TTM = 7.17b USD
EBITDA TTM = 7.17b USD
Long Term Debt = 88.17b USD (from longTermDebt, last fiscal year)
Short Term Debt = 40.62b USD (from shortTermDebt, last fiscal year)
Debt = 100.75b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 38.62b USD (from netDebt column, last quarter)
Enterprise Value = 114.68b USD (76.06b + Debt 100.75b - CCE 62.13b)
Interest Coverage Ratio = 0.42 (Ebit TTM 7.17b / Interest Expense TTM 17.14b)
EV/FCF = -183.5x (Enterprise Value 114.68b / FCF TTM -625.0m)
FCF Yield = -0.54% (FCF TTM -625.0m / Enterprise Value 114.68b)
FCF Margin = -0.95% (FCF TTM -625.0m / Revenue TTM 65.49b)
Net Margin = 7.72% (Net Income TTM 5.06b / Revenue TTM 65.49b)
Gross Margin = 85.38% ((Revenue TTM 65.49b - Cost of Revenue TTM 9.57b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.12 (Enterprise Value 114.68b / Total Assets 968.12b)
Interest Expense / Debt = 17.01% (Interest Expense 17.14b / Debt 100.75b)
Taxrate = 23.21% (470.0m / 2.02b)
NOPAT = 5.51b (EBIT 7.17b * (1 - 23.21%))
Current Ratio = 0.12 (Total Current Assets 62.13b / Total Current Liabilities 503.40b)
Debt / Equity = 2.10 (Debt 100.75b / totalStockholderEquity, last quarter 48.03b)
Debt / EBITDA = 5.39 (Net Debt 38.62b / EBITDA 7.17b)
Debt / FCF = -61.80 (negative FCF - burning cash) (Net Debt 38.62b / FCF TTM -625.0m)
Total Stockholder Equity = 47.01b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.54% (Net Income 5.06b / Total Assets 968.12b)
RoE = 10.75% (Net Income TTM 5.06b / Total Stockholder Equity 47.01b)
RoCE = 5.30% (EBIT 7.17b / Capital Employed (Equity 47.01b + L.T.Debt 88.17b))
RoIC = 4.76% (NOPAT 5.51b / Invested Capital 115.75b)
WACC = 10.82% (E(76.06b)/V(176.81b) * Re(7.86%) + D(100.75b)/V(176.81b) * Rd(17.01%) * (1-Tc(0.23)))
Discount Rate = 7.86% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares (quarterly) Correlation: -81.48 | Cagr: -5.43%
[DCF] Fair Price = unknown (Cash Flow -625.0m)
EPS Correlation: -21.65 | EPS CAGR: 6.86% | SUE: 0.02 | # QB: 0
Revenue Correlation: -12.33 | Revenue CAGR: 1.97% | SUE: -0.00 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.12 | Chg30d=N/A | Revisions=N/A | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.14 | Chg30d=N/A | Revisions=N/A | Analysts=1
EPS current Year (2026-12-31): EPS=0.53 | Chg30d=+2.58% | Revisions=+20% | GrowthEPS=+37.5% | GrowthRev=+10.5%
EPS next Year (2027-12-31): EPS=0.63 | Chg30d=+3.70% | Revisions=+20% | GrowthEPS=+17.5% | GrowthRev=+7.4%
[Analyst] Revisions Ratio: +20%