LYG Stock Analysis: Lloyds Banking | NYSE
Banks - Regional | NYSE, USA | Market Cap: 80.943m USD | 12M Return: 23.8% | US5394391099 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 86.0M
EPS Trend: -68.9%
Qual. Beats: 0
Rev. Trend: 88.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Lloyds Banking Group plc is a UK-based financial services company that operates through three main segments: Retail, Commercial Banking, and Insurance, Pensions and Investments. Its Retail division serves personal customers with current accounts, savings, mortgages, credit cards, unsecured loans, motor finance, and leasing solutions. The Commercial Banking segment provides lending, transactional banking, working capital management, debt financing, and risk management services to small and medium-sized businesses, corporates, and institutions. The Insurance, Pensions and Investments segment offers insurance, investment, pension management, and life assurance products, along with digital banking services.
The company distributes its products under a wide portfolio of brands, including 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. Lloyds was founded in 1695 and is headquartered in London. It was formerly known as Lloyds TSB Group plc before adopting its current name in January 2009.
As a diversified UK bank, Lloyds generates revenue primarily through net interest income from lending activities, fee-based income from banking services, and premium and investment income from its insurance and pensions operations. The company trades on the NYSE as an American Depositary Receipt (ADR) under the ticker LYG, allowing US investors indirect exposure to its London-listed ordinary shares.
- Bank of England rate cuts pressure net interest margins
- Scottish Widows insurance and wealth fees accelerate
- Capital returns resume with dividend and share buyback
| Net Income: 5.08b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA 0.89 > 1.0 |
| NWC/Revenue: -681.7% < 20% (prev -1.17k%; Δ 484.4% < -1%) |
| CFO/TA 0.00 > 3% & CFO 4.33b > Net Income 5.08b |
| Net Debt (40.7b) to EBITDA (10.9b): 3.73 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.9b) vs 12m ago -1.32% < -2% |
| Gross Margin: 30.36% > 18% (prev 49.45%; Δ -19.10% > 0.5%) |
| Asset Turnover: 6.84% > 50% (prev 4.09%; Δ 2.75% > 0%) |
| Interest Coverage Ratio: 0.43 > 6 (EBIT TTM 7.45b / Interest Expense TTM 17.1b) |
| A: -0.45 (Total Current Assets 62.9b - Total Current Liabilities 509b) / Total Assets 994b |
| B: 0.01 (Retained Earnings 6.24b / Total Assets 994b) |
| C: 0.01 (EBIT TTM 7.45b / Avg Total Assets 957b) |
| D: 0.05 (Book Value of Equity 47.0b / Total Liabilities 947b) |
| Altman-Z'' = -2.82 = D |
| DSRI: 0.66 (Receivables 1.40b/1.23b, Revenue 65.4b/37.6b) |
| GMI: 1.63 (GM 49.45% / 30.36%) |
| AQI: 1.01 (AQ_t 0.93 / AQ_t-1 0.92) |
| SGI: 1.74 (Revenue 65.4b / 37.6b) |
| TATA: 0.00 (NI 5.08b - CFO 4.33b) / TA 994b) |
| Beneish M = -2.20 (Cap -4..+1) = BB |
As of October 08, 2026, the stock is trading at USD 5.40 with a total of 14,129,607 shares traded. Over the past week, the price has changed by -4.09%, over one month by -10.00%, over three months by -9.53% and over the past year by +23.78%.
Current recommended Stop Loss: 5.10 (which is 5.6% or 2.5 ATR below the current price).
Lloyds Banking has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold LYG.
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 6.6 | 21.9% |
P/E Trailing = 13.4048
P/E Forward = 9.1743
P/S = 4.1102
P/B = 1.2939
P/EG = 0.6155
Revenue TTM = 65.4b USD
EBIT TTM = 7.45b USD
EBITDA TTM = 10.9b USD
Long Term Debt = 88.2b USD (from longTermDebt, last fiscal year)
Short Term Debt = 40.6b USD (from shortTermDebt, last fiscal year)
Debt = 102b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 40.7b USD (calculated: Debt 102b - CCE 61.5b)
Enterprise Value = 122b USD (80.9b + Debt 102b - CCE 61.5b)
Interest Coverage Ratio = 0.43 (Ebit TTM 7.45b / Interest Expense TTM 17.1b)
EV/FCF = -194.7x (Enterprise Value 122b / FCF TTM -625.0m)
FCF Yield = -0.51% (FCF TTM -625.0m / Enterprise Value 122b)
FCF Margin = -0.95% (FCF TTM -625.0m / Revenue TTM 65.4b)
Net Margin = 7.76% (Net Income TTM 5.08b / Revenue TTM 65.4b)
Gross Margin = 30.36% ((Revenue TTM 65.4b - Cost of Revenue TTM 45.6b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.12 (Enterprise Value 122b / Total Assets 994b)
Interest Expense / Debt = 16.76% (Interest Expense 17.1b / Debt 102b)
Taxrate = 28.38% (2.11b / 7.45b)
NOPAT = 5.34b (EBIT 7.45b * (1 - 28.38%))
Current Ratio = 0.12 (Total Current Assets 62.9b / Total Current Liabilities 509b)
Debt / Equity = 2.18 (Debt 102b / totalStockholderEquity, last quarter 47.0b)
Debt / EBITDA = 3.73 (Net Debt 40.7b / EBITDA 10.9b)
Debt / FCF = -65.18 (negative FCF - burning cash) (Net Debt 40.7b / FCF TTM -625.0m)
Total Stockholder Equity = 47.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.53% (Net Income 5.08b / Total Assets 994b)
RoE = 10.79% (Net Income TTM 5.08b / Total Stockholder Equity 47.0b)
RoCE = 5.51% (EBIT 7.45b / Capital Employed (Equity 47.0b + L.T.Debt 88.2b))
RoIC = 1.02% (NOPAT 5.34b / Invested Capital 522b)
WACC = 10.17% (E(80.9b)/V(183b) * Re(7.85%) + D(102b)/V(183b) * Rd(16.76%) * (1-Tc(0.28)))
Discount Rate = 7.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -74.03 | Cagr: -2.92%
[DCF] Fair Price = unknown (Cash Flow -625.0m)
EPS Correlation: -68.86 | EPS CAGR: -17.71% | SUE: -0.23 | # QB: 0
Revenue Correlation: 88.75 | Revenue CAGR: 37.66% | SUE: 0.48 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.14 | Chg30d=+0.36% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=0.54 | Chg30d=+0.48% | Revisions=+25% | GrowthEPS=+39.9% | GrowthRev=+10.5%
EPS next Year (2027-12-31): EPS=0.64 | Chg30d=+0.82% | Revisions=+25% | GrowthEPS=+18.7% | GrowthRev=+8.5%
[Analyst] Revisions Ratio: +17% (up=2, down=1)