(LYG) Lloyds Banking - Overview

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

Stock: Banking, Loans, Investments, Insurance, Mortgages

Total Rating 52
Risk 53
Buy Signal -0.28
Banks - Regional -22.9
Diversified Banks -14.4
Market Cap: 77,202m
Avg Trading Vol: 132M USD
ATR: 3.18%
Peers RS (IBD): 49.1
Risk 5d forecast
Volatility 27.4%
Relative Tail Risk -1.17%
Reward TTM
Sharpe Ratio 1.64
Alpha 40.17
Character TTM
Beta 0.501
Beta Downside 0.529
Drawdowns 3y
Max DD 21.46%
CAGR/Max DD 1.94

EPS (Earnings per Share)

EPS (Earnings per Share) of LYG over the last years for every Quarter: "2021-03": 0.0282, "2021-06": 0.1571, "2021-09": 0.1104, "2021-12": 0.0956, "2022-03": 0.075, "2022-06": 0.1002, "2022-09": 0.0695, "2022-12": 0.1092, "2023-03": 0.1662, "2023-06": 0.39, "2023-09": 0.1017, "2023-12": 0.0858, "2024-03": 0.0848, "2024-06": 0.0862, "2024-09": 0.19, "2024-12": 0.0609, "2025-03": 0.1008, "2025-06": 0.02, "2025-09": 0.1, "2025-12": 0.1184,
EPS CAGR: 12.95%
EPS Trend: -21.3%
Last SUE: 0.25
Qual. Beats: 0

Revenue

Revenue of LYG over the last years for every Quarter: 2021-03: 3871, 2021-06: 6381, 2021-09: 2030, 2021-12: 7934, 2022-03: 3921, 2022-06: 4818, 2022-09: 4308, 2022-12: 8616, 2023-03: 4808, 2023-06: 11038, 2023-09: -1944, 2023-12: 20066, 2024-03: 4387, 2024-06: 14196, 2024-09: -5106, 2024-12: 24137, 2025-03: 4695, 2025-06: 13885, 2025-09: -4328, 2025-12: 50749,
Rev. CAGR: 97.94%
Rev. Trend: -20.5%
Last SUE: 3.97
Qual. Beats: 1

Description: LYG Lloyds Banking March 04, 2026

Lloyds Banking Group PLC (LYG) is a UK-based financial services company. It provides retail and commercial banking, as well as insurance, pensions, and investment products.

The company operates through three segments: Retail, Commercial Banking, and Insurance, Pensions and Investments. The Retail segment offers traditional banking products like mortgages and savings accounts. The Commercial Banking segment focuses on lending and financial services for businesses. The Insurance, Pensions and Investments segment provides wealth management and protection products.

Lloyds Banking Group utilizes a multi-brand strategy, with well-known UK brands such as Halifax and Bank of Scotland under its umbrella. This diversified banking model is common among large financial institutions to capture various market segments. Further research on ValueRay can provide deeper insights into LYGs financial performance and market position.

Headlines to watch out for

  • UK interest rate changes impact net interest margin
  • Mortgage lending volume affects retail segment revenue
  • Economic downturn in UK reduces loan demand
  • Regulatory fines and compliance costs erode profitability
  • Insurance and investment performance drives non-interest income

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: -6.76% < 20% (prev -1.14k %; Δ 1.13k % < -1%)
CFO/TA 0.01 > 3% & CFO 13.20b > Net Income 4.66b
Net Debt (31.50b) to EBITDA (6.66b): 4.73 < 3
Current Ratio: 0.94 > 1.5 & < 3
Outstanding Shares: last quarter (14.95b) vs 12m ago -4.17% < -2%
Gross Margin: 85.27% > 18% (prev 0.49%; Δ 8.48k % > 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'' 0.07

A: -0.00 (Total Current Assets 63.73b - Total Current Liabilities 68.13b) / 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: 0.03 (Book Value of Equity 28.85b / Total Liabilities 899.99b)
Altman-Z'' Score: 0.07 = B

Beneish M

DSRI: none (Receivables 1.35b/none, Revenue 65.00b/37.61b)
GMI: 0.58 (GM 85.27% / 49.46%)
AQI: 1.00 (AQ_t 0.92 / AQ_t-1 0.92)
SGI: 1.73 (Revenue 65.00b / 37.61b)
TATA: -0.01 (NI 4.66b - CFO 13.20b) / TA 942.41b)
Beneish M-Score: cannot calculate (missing components)

What is the price of LYG shares?

As of March 12, 2026, the stock is trading at USD 5.35 with a total of 23,746,309 shares traded.
Over the past week, the price has changed by -0.37%, over one month by -7.76%, over three months by +4.09% and over the past year by +58.05%.

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.
  • 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 9.9%
Analysts Target Price 5.9 9.9%

LYG Fundamental Data Overview March 11, 2026

P/E Trailing = 14.1892
P/E Forward = 10.0705
P/S = 4.1446
P/B = 1.1972
P/EG = 1.0169
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 = 88.17b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 31.50b USD (from netDebt column, last quarter)
Enterprise Value = 104.77b USD (77.20b + Debt 88.17b - CCE 60.60b)
Interest Coverage Ratio = 0.39 (Ebit TTM 6.66b / Interest Expense TTM 17.14b)
EV/FCF = -167.6x (Enterprise Value 104.77b / FCF TTM -625.0m)
FCF Yield = -0.60% (FCF TTM -625.0m / Enterprise Value 104.77b)
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 = 0.11 (Enterprise Value 104.77b / Total Assets 942.41b)
Interest Expense / Debt = 19.44% (Interest Expense 17.14b / Debt 88.17b)
Taxrate = 27.63% (548.0m / 1.98b)
NOPAT = 4.82b (EBIT 6.66b * (1 - 27.63%))
Current Ratio = 0.94 (Total Current Assets 63.73b / Total Current Liabilities 68.13b)
Debt / Equity = 1.85 (Debt 88.17b / totalStockholderEquity, last quarter 47.67b)
Debt / EBITDA = 4.73 (Net Debt 31.50b / EBITDA 6.66b)
Debt / FCF = -50.41 (negative FCF - burning cash) (Net Debt 31.50b / FCF TTM -625.0m)
Total Stockholder Equity = 46.91b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.50% (Net Income 4.66b / Total Assets 942.41b)
RoE = 9.93% (Net Income TTM 4.66b / Total Stockholder Equity 46.91b)
RoCE = 4.93% (EBIT 6.66b / Capital Employed (Equity 46.91b + L.T.Debt 88.17b))
RoIC = 4.39% (NOPAT 4.82b / Invested Capital 109.88b)
WACC = 11.12% (E(77.20b)/V(165.37b) * Re(7.76%) + D(88.17b)/V(165.37b) * Rd(19.44%) * (1-Tc(0.28)))
Discount Rate = 7.76% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -6.08%
[DCF] Fair Price = 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 (2026-06-30): EPS=0.12 | Chg7d=+0.002 | Chg30d=+0.125 | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=0.53 | Chg7d=+0.007 | Chg30d=+0.013 | Revisions Net=+1 | Growth EPS=+37.5% | Growth Revenue=+10.2%

Additional Sources for LYG Stock

Fund Manager Positions: Dataroma | Stockcircle