Overview Dividends

(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: 74,654m
IPO / Inception: 2001-11-27
Return 12m vs S&P 500: 66.6%

Dividends

Dividend Yield 3.37%
Yield on Cost 5y 11.56%
Yield CAGR 5y 8.96%
Payout Consistency 70.4%
Payout Ratio 39.4%
Risk via 5d forecast
Volatility 28.7%
Value at Risk 5%th 46.5%
Relative Tail Risk -1.40%
Reward TTM
Sharpe Ratio 2.15
Alpha 83.40
CAGR/Max DD 1.71
Character TTM
Hurst Exponent 0.326
Beta 0.811
Beta Downside 0.784
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 20.64%; Δ 54.42pp) >=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
(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) 20.54

1. Piotroski 4.0pt
2. FCF Yield -9.67%
3. FCF Margin -22.81%
4. Debt/Equity 2.12
5. Debt/Ebitda 6.32
6. ROIC - WACC (= -11.06)%
7. RoE 8.68%
8. Rev. Trend -33.69%
9. EPS Trend 1.60%

What is the price of LYG shares?

As of December 14, 2025, the stock is trading at USD 5.04 with a total of 6,541,953 shares traded.
Over the past week, the price has changed by -1.75%, over one month by +0.20%, over three months by +11.50% and over the past year by +90.27%.

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.
  • 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 -10.1%
Analysts Target Price 4.5 -10.1%
ValueRay Target Price 7.3 45%

LYG Fundamental Data Overview December 10, 2025

Market Cap GBP = 55.81b (74.65b USD * 0.7476 USD.GBP)
P/E Trailing = 16.9333
P/E Forward = 9.3897
P/S = 4.1629
P/B = 1.2444
P/EG = 1.7385
Beta = 0.988
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 = 90.56b GBP (55.81b + Debt 96.59b - CCE 61.85b)
Interest Coverage Ratio = 0.04 (Ebit TTM 824.0m / Interest Expense TTM 19.01b)
FCF Yield = -9.67% (FCF TTM -8.76b / Enterprise Value 90.56b)
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 90.56b / 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 = 0.43% (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 = 11.56% (E(55.81b)/V(152.40b) * Re(9.0%) + D(96.59b)/V(152.40b) * Rd(19.68%) * (1-Tc(0.34)))
Discount Rate = 9.0% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.46%
Fair Price DCF = unknown (Cash Flow -8.76b)
EPS Correlation: 1.60 | EPS CAGR: -11.64% | SUE: -1.18 | # QB: 0
Revenue Correlation: -33.69 | Revenue CAGR: -46.75% | SUE: -0.92 | # QB: 0
EPS next Year (2026-12-31): EPS=0.52 | Chg30d=+0.010 | Revisions Net=+1 | Growth EPS=+20.0% | Growth Revenue=+8.1%

Additional Sources for LYG Stock

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