(LYG) Lloyds Banking - Overview

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

Stock:

Total Rating 57

Risk 77

Buy Signal 0.78

Banks - Regional -2.8
Diversified Banks +0.1

Market Cap: 83,045m
Avg Trading Vol: 115M USD

ATR: 2.83%
Peers RS (IBD): 62.50

Risk 5d forecast
Volatility	27.4%
Relative Tail Risk	-1.17%

Reward TTM
Sharpe Ratio	1.88
Alpha	62.23

Character TTM
Beta	0.859
Beta Downside	0.976

Drawdowns 3y
Max DD	21.46%
CAGR/Max DD	1.85

EPS (Earnings per Share)

EPS CAGR: 12.95%
EPS Trend: -21.3%

Last SUE: 0.25
Qual. Beats: 0

Revenue

Rev. CAGR: 97.94%
Rev. Trend: -20.5%

Last SUE: 3.97
Qual. Beats: 1

Description: LYG Lloyds Banking

Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services for retail and commercial customers in the United Kingdom. It operates in three segments: Retail; Commercial Banking; and Insurance, Pensions and Investments. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, credit cards, unsecured loans, motor finance, and leasing solutions to personal customers. Its Commercial Banking segment provides lending, transactional banking, working capital management, debt financing, and risk management services to small and medium businesses, corporates, and institutions. The Insurance, Pensions and Investments segment offers insurance, investment, and pension management products and services. It also provides life assurance; and digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, Schroders Personal Wealth, Black Horse, Lex Autolease, Birmingham Midshires, LDC, AMC, Embark Group, Lloyds Living, Cavendish Online, Tusker, and HGP brands. The company was formerly known as Lloyds TSB Group plc and changed its name to Lloyds Banking Group plc in January 2009. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.

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: -688.7% < 20% (prev -1135 %; Δ 446.5% < -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: 0.12 > 1.5 & < 3
Outstanding Shares: last quarter (14.95b) vs 12m ago -4.17% < -2%
Gross Margin: 85.27% > 18% (prev 0.49%; Δ 8478 % > 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'' -3.01

A: -0.48 (Total Current Assets 63.73b - Total Current Liabilities 511.38b) / 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: -3.01 = D

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 February 26, 2026, the stock is trading at USD 5.78 with a total of 17,397,733 shares traded.
Over the past week, the price has changed by +0.17%, over one month by +1.58%, over three months by +19.92% and over the past year by +70.27%.

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	1.7%
Analysts Target Price	5.9	1.7%

LYG Fundamental Data Overview February 21, 2026

P/E Trailing = 14.8684
P/E Forward = 10.6724
P/S = 4.4583
P/B = 1.2698
P/EG = 1.0781
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 = 110.61b USD (83.04b + Debt 88.17b - CCE 60.60b)
Interest Coverage Ratio = 0.39 (Ebit TTM 6.66b / Interest Expense TTM 17.14b)
EV/FCF = -177.0x (Enterprise Value 110.61b / FCF TTM -625.0m)
FCF Yield = -0.57% (FCF TTM -625.0m / Enterprise Value 110.61b)
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 = 0.12 (Enterprise Value 110.61b / 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 = 0.12 (Total Current Assets 63.73b / Total Current Liabilities 511.38b)
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 = 11.65% (E(83.04b)/V(171.21b) * Re(9.08%) + D(88.17b)/V(171.21b) * Rd(19.44%) * (1-Tc(0.28)))
Discount Rate = 9.08% (= CAPM, Blume Beta Adj.)
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 (2026-03-31): EPS=0.12 | Chg7d=+0.002 | Chg30d=+0.119 | 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

News: Wall Street Journal | Benzinga | Yahoo Finance
Fund Manager Positions: Dataroma | Stockcircle