(LYG) Lloyds Banking - Ratings and Ratios

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

Banking, Loans, Insurance, Pensions, Investments

Diversified Banks
Market Cap in USD: 79,913m

IPO / Inception: 2001-11-27
12m vs SPY: 81.9%

EPS (Earnings per Share)

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

Last SUE: -2.01
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	10.90%
Yield CAGR 5y	25.29%
Payout Consistency	70.9%
Payout Ratio	60.4%

Risk via 5d forecast
Volatility	26.2%
Value at Risk 5%th	42.7%
Relative Tail Risk	-0.88%

Reward TTM
Sharpe Ratio	2.74
Alpha	99.40
CAGR/Max DD	1.67

Character TTM
Hurst Exponent	0.372
Beta	0.812
Beta Downside	0.808

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

Description: LYG Lloyds Banking December 02, 2025

Lloyds Banking Group plc (NYSE: LYG) operates three core segments in the UK and abroad: Retail (personal banking products such as current accounts, mortgages, credit cards and motor finance), Commercial Banking (lending, cash-management and risk-management services for SMEs, corporates and institutions) and Insurance, Pensions & Investments (life insurance, pension administration and asset-management solutions). The group serves customers under a portfolio of well-known brands, including Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA and Black Horse.

Key performance indicators from the most recent reporting period show a net interest margin of 2.1 % and a CET1 capital ratio of 14.5 %, both comfortably above regulatory minima and indicating resilience to higher interest-rate cycles. Loan book growth slowed to 1.2 % YoY, reflecting a cautious UK mortgage market as the Bank of England’s base rate sits at 5.25 %. Digital banking usage continues to rise, with active online customers now representing roughly 70 % of the retail base, supporting cost-to-income efficiency improvements.

For a deeper dive into LYG’s valuation metrics and scenario analysis, check the ValueRay platform.

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (4.03b TTM) > 0 and > 6% of Revenue (6% = 2.30b TTM)

FCFTA -0.01 (>2.0%) and ΔFCFTA -1.08pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 169.5% (prev -1260 %; Δ 1429 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.00 (>3.0%) and CFO 3.10b <= Net Income 4.03b (YES >=105%, WARN >=100%)

Net Debt (34.75b) to EBITDA (5.50b) ratio: 6.32 <= 3.0 (WARN <= 3.5)

Current Ratio 2.80 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (15.15b) change vs 12m ago -11.09% (target <= -2.0% for YES)

Gross Margin 75.06% (prev 56.02%; Δ 19.04pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 4.18% (prev 3.72%; Δ 0.45pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.04 (EBITDA TTM 5.50b / Interest Expense TTM 19.01b) >= 6 (WARN >= 3)

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 (Balance) 5.91b / Total Assets 937.46b

(D) 0.03 = Book Value of Equity 27.00b / Total Liabilities 891.83b

Total Rating: 0.51 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 19.22

1. Piotroski 4.0pt

2. FCF Yield -9.29%

3. FCF Margin -22.81%

4. Debt/Equity 2.12

5. Debt/Ebitda 6.32

6. ROIC - WACC (= -10.96)%

7. RoE 8.68%

8. Rev. Trend -33.69%

9. EPS Trend -28.46%

What is the price of LYG shares?

As of January 13, 2026, the stock is trading at USD 5.47 with a total of 6,658,353 shares traded.
Over the past week, the price has changed by +0.00%, over one month by +8.53%, over three months by +21.83% and over the past year by +120.01%.

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	4.9	-10.6%
Analysts Target Price	4.9	-10.6%
ValueRay Target Price	7.5	36.7%

LYG Fundamental Data Overview January 10, 2026

Market Cap GBP = 59.49b (79.91b USD * 0.7444 USD.GBP)
P/E Trailing = 17.5484
P/E Forward = 11.9617
P/S = 4.4562
P/B = 1.3057
P/EG = 1.7385
Beta = 0.997
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 = 94.23b GBP (59.49b + Debt 96.59b - CCE 61.85b)
Interest Coverage Ratio = 0.04 (Ebit TTM 824.0m / Interest Expense TTM 19.01b)
EV/FCF = -10.76x (Enterprise Value 94.23b / FCF TTM -8.76b)
FCF Yield = -9.29% (FCF TTM -8.76b / Enterprise Value 94.23b)
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 94.23b / 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 = 11.47% (E(59.49b)/V(156.08b) * Re(8.91%) + D(96.59b)/V(156.08b) * Rd(19.68%) * (1-Tc(0.34)))
Discount Rate = 8.91% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.46%
Fair Price DCF = unknown (Cash Flow -8.76b)
EPS Correlation: -28.46 | EPS CAGR: -44.43% | SUE: -2.01 | # 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=0.52 | Chg30d=+0.006 | Revisions Net=+1 | Growth EPS=+19.8% | Growth Revenue=+8.1%

Additional Sources for LYG Stock

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