(LYG) Lloyds Banking - Ratings and Ratios

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

Accounts, Mortgages, Loans, Insurance, Investments

Stock: Diversified Banks
Age 24.2y

MCap 82,117m
Avg Vol 6.12M (33.3M USD)

Beta 0.761
Volatility 25.35%

EPS (Earnings per Share)

EPS CAGR: -44.43%
EPS Trend: -28.5%

Last SUE: -2.03
Qual. Beats: 0

Revenue

Rev. CAGR: -46.75%
Rev. Trend: -33.7%

Last SUE: -0.92
Qual. Beats: 0

Dividends

Dividend Yield	4.40%
Yield on Cost 5y	11.81%
Yield CAGR 5y	25.29%
Payout Consistency	70.9%
Payout Ratio	60.4%

Risk via 5d forecast
Volatility	25.4%
Value at Risk 5%th	41.1%
Relative Tail Risk	-1.34%

Reward TTM
Sharpe Ratio	2.40
Alpha	80.83
CAGR/Max DD	1.61

Character TTM
Hurst Exponent	0.390
Beta	0.761
Beta Downside	0.774

Drawdowns 3y
Max DD	23.23%
Mean DD	6.30%
Median DD	3.96%

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) 4.0

Net Income: 4.03b TTM > 0 and > 6% of Revenue
FCF/TA: -0.01 > 0.02 and ΔFCF/TA -1.08 > 1.0
NWC/Revenue: 169.5% < 20% (prev -1260 %; Δ 1429 % < -1%)
CFO/TA 0.00 > 3% & CFO 3.10b > Net Income 4.03b
Net Debt (34.75b) to EBITDA (5.50b): 6.32 < 3
Current Ratio: 2.80 > 1.5 & < 3
Outstanding Shares: last quarter (15.15b) vs 12m ago -11.09% < -2%
Gross Margin: 75.06% > 18% (prev 0.56%; Δ 7450 % > 0.5%)
Asset Turnover: 4.18% > 50% (prev 3.72%; Δ 0.45% > 0%)
Interest Coverage Ratio: 0.04 > 6 (EBITDA TTM 5.50b / Interest Expense TTM 19.01b)

Altman Z'' 0.51

A: 0.07 (Total Current Assets 101.26b - Total Current Liabilities 36.21b) / Total Assets 937.46b
B: 0.01 (Retained Earnings 5.91b / Total Assets 937.46b)
C: 0.00 (EBIT TTM 824.0m / Avg Total Assets 919.15b)
D: 0.03 (Book Value of Equity 27.00b / Total Liabilities 891.83b)
Altman-Z'' Score: 0.51 = B

Beneish M

DSRI: none (Receivables none/none, Revenue 38.39b/33.54b)
GMI: 0.75 (GM 75.06% / 56.02%)
AQI: 0.95 (AQ_t 0.88 / AQ_t-1 0.92)
SGI: 1.14 (Revenue 38.39b / 33.54b)
TATA: 0.00 (NI 4.03b - CFO 3.10b) / TA 937.46b)
Beneish M-Score: cannot calculate (missing components)

ValueRay F-Score (Strict, 0-100) 19.25

1. Piotroski: 4.0pt
2. FCF Yield: -9.23%
3. FCF Margin: -22.81%
4. Debt/Equity: 2.12
5. Debt/Ebitda: 6.32
6. ROIC - WACC: -10.88%
7. RoE: 8.68%
8. Revenue Trend: -33.69%
9. EPS Trend: -28.46%

What is the price of LYG shares?

As of January 27, 2026, the stock is trading at USD 5.69 with a total of 8,018,875 shares traded.
Over the past week, the price has changed by +3.45%, over one month by +6.55%, over three months by +21.06% and over the past year by +95.09%.

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	5	-12.1%
Analysts Target Price	5	-12.1%
ValueRay Target Price	8.2	44.6%

LYG Fundamental Data Overview January 25, 2026

Market Cap GBP = 60.09b (82.12b USD * 0.7318 USD.GBP)
P/E Trailing = 18.0323
P/E Forward = 12.2549
P/S = 4.5791
P/B = 1.3375
P/EG = 1.7385
Revenue TTM = 38.39b GBP
EBIT TTM = 824.0m GBP
EBITDA TTM = 5.50b GBP
Long Term Debt = 55.08b GBP (from longTermDebt, last fiscal year)
Short Term Debt = 8.32b GBP (from shortTermDebt, last quarter)
Debt = 96.59b GBP (from shortLongTermDebtTotal, last quarter)
Net Debt = 34.75b GBP (from netDebt column, last quarter)
Enterprise Value = 94.84b GBP (60.09b + Debt 96.59b - CCE 61.85b)
Interest Coverage Ratio = 0.04 (Ebit TTM 824.0m / Interest Expense TTM 19.01b)
EV/FCF = -10.83x (Enterprise Value 94.84b / FCF TTM -8.76b)
FCF Yield = -9.23% (FCF TTM -8.76b / Enterprise Value 94.84b)
FCF Margin = -22.81% (FCF TTM -8.76b / Revenue TTM 38.39b)
Net Margin = 10.50% (Net Income TTM 4.03b / Revenue TTM 38.39b)
Gross Margin = 75.06% ((Revenue TTM 38.39b - Cost of Revenue TTM 9.57b) / Revenue TTM)
Gross Margin QoQ = none% (prev 100.0%)
Tobins Q-Ratio = 0.10 (Enterprise Value 94.84b / Total Assets 937.46b)
Interest Expense / Debt = 19.68% (Interest Expense 19.01b / Debt 96.59b)
Taxrate = 33.73% (396.0m / 1.17b)
NOPAT = 546.1m (EBIT 824.0m * (1 - 33.73%))
Current Ratio = 2.80 (Total Current Assets 101.26b / Total Current Liabilities 36.21b)
Debt / Equity = 2.12 (Debt 96.59b / totalStockholderEquity, last quarter 45.63b)
Debt / EBITDA = 6.32 (Net Debt 34.75b / EBITDA 5.50b)
Debt / FCF = -3.97 (negative FCF - burning cash) (Net Debt 34.75b / FCF TTM -8.76b)
Total Stockholder Equity = 46.42b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.44% (Net Income 4.03b / Total Assets 937.46b)
RoE = 8.68% (Net Income TTM 4.03b / Total Stockholder Equity 46.42b)
RoCE = 0.81% (EBIT 824.0m / Capital Employed (Equity 46.42b + L.T.Debt 55.08b))
RoIC = 0.51% (NOPAT 546.1m / Invested Capital 107.68b)
WACC = 11.38% (E(60.09b)/V(156.69b) * Re(8.72%) + D(96.59b)/V(156.69b) * Rd(19.68%) * (1-Tc(0.34)))
Discount Rate = 8.72% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.86%
Fair Price DCF = unknown (Cash Flow -8.76b)
EPS Correlation: -28.46 | EPS CAGR: -44.43% | SUE: -2.03 | # QB: 0
Revenue Correlation: -33.69 | Revenue CAGR: -46.75% | SUE: -0.92 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.12 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS next Year (2026-12-31): EPS=0.53 | Chg30d=+0.013 | Revisions Net=+1 | Growth EPS=+22.3% | Growth Revenue=+9.3%

Additional Sources for LYG Stock

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