(LYG) Lloyds Banking - Ratings and Ratios
Banking, Insurance, Pensions, Investments, Digital
EPS (Earnings per Share)
Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 28.8% |
| Value at Risk 5%th | 46.9% |
| Relative Tail Risk | -1.11% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.86 |
| Alpha | 61.68 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.446 |
| Beta | 0.786 |
| Beta Downside | 0.815 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.23% |
| Mean DD | 6.32% |
| Median DD | 4.02% |
Description: LYG Lloyds Banking September 26, 2025
Lloyds Banking Group plc (NYSE: LYG) is a UK-based diversified bank that operates through three core segments: Retail, Commercial Banking, and Insurance-Pensions-Investments. The Retail arm serves personal customers with current accounts, savings, mortgages, motor finance, unsecured loans, leasing and credit cards. The Commercial Banking division targets SMEs, corporates and institutions with lending, transaction services, working-capital solutions, risk-management and debt financing. The Insurance-Pensions-Investments segment provides life and general insurance, investment funds and pension administration, while also delivering digital banking capabilities.
The group markets its products under a suite of well-known brands, including Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, Black Horse, Lex Autolease, Birmingham Midshires, and Schroders Personal Wealth, among others. These brands span traditional banking, motor-finance leasing, credit-card issuance and wealth-management services, giving Lloyds a broad cross-sell platform across the UK consumer and business landscape.
Key quantitative drivers to watch: (1) Net interest margin (NIM) remains a primary earnings lever-recent reports show a NIM of ~2.3% amid a volatile Bank of England rate environment; (2) Loan-to-deposit ratio has stabilized around 92%, indicating a balanced funding profile; and (3) The group’s CET1 capital ratio sits near 15%, comfortably above the regulatory minimum, providing headroom for future growth or dividend policy adjustments. Macro-level, UK housing market trends and the trajectory of interest-rate policy are critical external factors that will shape mortgage demand and credit-risk dynamics for the Retail segment.
For a deeper quantitative dive, the ValueRay platform offers granular, up-to-date metrics that can help you test these hypotheses.
LYG Stock Overview
| Market Cap in USD | 73,742m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2001-11-27 |
| Return 12m vs S&P 500 | 54.9% |
| Analyst Rating | 3.0 of 5 |
LYG Dividends
| Metric | Value |
|---|---|
| Dividend Yield | 3.69% |
| Yield on Cost 5y | 11.11% |
| Yield CAGR 5y | 8.96% |
| Payout Consistency | 70.4% |
| Payout Ratio | 39.4% |
LYG Growth Ratios
| Metric | Value |
|---|---|
| CAGR 3y | 35.53% |
| CAGR/Max DD Calmar Ratio | 1.53 |
| CAGR/Mean DD Pain Ratio | 5.62 |
| Current Volume | 11787.9k |
| Average Volume | 7556.7k |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (6.22b TTM) > 0 and > 6% of Revenue (6% = 3.40b TTM) |
| FCFTA -0.01 (>2.0%) and ΔFCFTA -1.08pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 114.8% (prev -2244 %; Δ 2359 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 6.22b (YES >=105%, WARN >=100%) |
| Net Debt (34.75b) to EBITDA (19.70b) ratio: 1.76 <= 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 83.10% (prev 0.74%; Δ 82.36pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.16% (prev 2.09%; Δ 4.07pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.04 (EBITDA TTM 19.70b / 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 |
| (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 |
| Total Rating: 0.51 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 32.34
| 1. Piotroski 5.0pt |
| 2. FCF Yield -9.62% |
| 3. FCF Margin -15.46% |
| 4. Debt/Equity 2.12 |
| 5. Debt/Ebitda 1.76 |
| 6. ROIC - WACC (= -11.57)% |
| 7. RoE 13.39% |
| 8. Rev. Trend 65.01% |
| 9. EPS Trend -32.16% |
What is the price of LYG shares?
Over the past week, the price has changed by -4.36%, over one month by +3.83%, over three months by +1.32% and over the past year by +74.04%.
Is LYG a buy, sell or hold?
- 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 | 4.5 | -1.7% |
| Analysts Target Price | 4.5 | -1.7% |
| ValueRay Target Price | 6.4 | 39.7% |
LYG Fundamental Data Overview November 15, 2025
P/E Trailing = 16.2667
P/E Forward = 11.2994
P/S = 4.1121
P/B = 1.2369
P/EG = 2.0923
Beta = 0.988
Revenue TTM = 56.66b GBP
EBIT TTM = 824.0m GBP
EBITDA TTM = 19.70b 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 = 91.06b GBP (56.32b + Debt 96.59b - CCE 61.85b)
Interest Coverage Ratio = 0.04 (Ebit TTM 824.0m / Interest Expense TTM 19.01b)
FCF Yield = -9.62% (FCF TTM -8.76b / Enterprise Value 91.06b)
FCF Margin = -15.46% (FCF TTM -8.76b / Revenue TTM 56.66b)
Net Margin = 10.97% (Net Income TTM 6.22b / Revenue TTM 56.66b)
Gross Margin = 83.10% ((Revenue TTM 56.66b - Cost of Revenue TTM 9.57b) / Revenue TTM)
Gross Margin QoQ = 32.82% (prev 100.0%)
Tobins Q-Ratio = 0.10 (Enterprise Value 91.06b / Total Assets 937.46b)
Interest Expense / Debt = 19.68% (Interest Expense 19.01b / Debt 96.59b)
Taxrate = 28.99% (1.36b / 4.68b)
NOPAT = 585.1m (EBIT 824.0m * (1 - 28.99%))
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 = 1.76 (Net Debt 34.75b / EBITDA 19.70b)
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 = 0.66% (Net Income 6.22b / Total Assets 937.46b)
RoE = 13.39% (Net Income TTM 6.22b / Total Stockholder Equity 46.42b)
RoCE = 0.81% (EBIT 824.0m / Capital Employed (Equity 46.42b + L.T.Debt 55.08b))
RoIC = 0.54% (NOPAT 585.1m / Invested Capital 107.68b)
WACC = 12.11% (E(56.32b)/V(152.91b) * Re(8.91%) + D(96.59b)/V(152.91b) * Rd(19.68%) * (1-Tc(0.29)))
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: -32.16 | EPS CAGR: -19.52% | SUE: -1.18 | # QB: 0
Revenue Correlation: 65.01 | Revenue CAGR: 56.41% | SUE: 1.22 | # QB: 2
Additional Sources for LYG Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle