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LLOYDS BANKING GROUP PLC-ADR (LYG) Stock Fundamental Analysis

NYSE:LYG - New York Stock Exchange, Inc. - US5394391099 - ADR - Currency: USD

3.37  +0.04 (+1.2%)

After market: 3.38 +0.01 (+0.3%)

Fundamental Rating

2

Taking everything into account, LYG scores 2 out of 10 in our fundamental rating. LYG was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of LYG have multiple concerns. LYG has a valuation in line with the averages, but it does not seem to be growing. Finally LYG also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

LYG had positive earnings in the past year.
In the past year LYG has reported a negative cash flow from operations.
Of the past 5 years LYG 4 years were profitable.
LYG had a positive operating cash flow in 4 of the past 5 years.
LYG Yearly Net Income VS EBIT VS OCF VS FCFLYG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10B -10B 20B

1.2 Ratios

LYG has a worse Return On Assets (0.50%) than 72.93% of its industry peers.
LYG has a better Return On Equity (10.04%) than 71.93% of its industry peers.
Industry RankSector Rank
ROA 0.5%
ROE 10.04%
ROIC N/A
ROA(3y)0.52%
ROA(5y)0.39%
ROE(3y)9.45%
ROE(5y)7.05%
ROIC(3y)N/A
ROIC(5y)N/A
LYG Yearly ROA, ROE, ROICLYG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

The Profit Margin of LYG (10.46%) is worse than 82.96% of its industry peers.
LYG's Profit Margin has declined in the last couple of years.
LYG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 10.46%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y64.82%
PM growth 5Y-1.97%
GM growth 3YN/A
GM growth 5YN/A
LYG Yearly Profit, Operating, Gross MarginsLYG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

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0

2. Health

2.1 Basic Checks

LYG does not have a ROIC to compare to the WACC, probably because it is not profitable.
LYG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
LYG Yearly Shares OutstandingLYG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B
LYG Yearly Total Debt VS Total AssetsLYG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200B 400B 600B 800B

2.2 Solvency

A Debt/Equity ratio of 2.78 is on the high side and indicates that LYG has dependencies on debt financing.
With a Debt to Equity ratio value of 2.78, LYG is not doing good in the industry: 94.49% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.78
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC2.84%
LYG Yearly LT Debt VS Equity VS FCFLYG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20B 40B 60B 80B 100B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
LYG Yearly Current Assets VS Current LiabilitesLYG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.46% over the past year.
Measured over the past 5 years, LYG shows a small growth in Earnings Per Share. The EPS has been growing by 2.53% on average per year.
EPS 1Y (TTM)21.46%
EPS 3Y6.61%
EPS 5Y2.53%
EPS Q2Q%116.69%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%77.35%

3.2 Future

LYG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.23% yearly.
Based on estimates for the next years, LYG will show a small growth in Revenue. The Revenue will grow by 4.62% on average per year.
EPS Next Y-30.13%
EPS Next 2Y-4.19%
EPS Next 3Y-0.45%
EPS Next 5Y-1.23%
Revenue Next Year5.34%
Revenue Next 2Y5.72%
Revenue Next 3Y5.02%
Revenue Next 5Y4.62%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
LYG Yearly Revenue VS EstimatesLYG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10B 20B 30B 40B
LYG Yearly EPS VS EstimatesLYG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.1 0.2 0.3 0.4

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 6.48, the valuation of LYG can be described as very cheap.
LYG's Price/Earnings ratio is rather cheap when compared to the industry. LYG is cheaper than 94.74% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.63, LYG is valued rather cheaply.
The Price/Forward Earnings ratio is 9.25, which indicates a very decent valuation of LYG.
LYG's Price/Forward Earnings ratio is rather cheap when compared to the industry. LYG is cheaper than 81.45% of the companies in the same industry.
LYG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.68.
Industry RankSector Rank
PE 6.48
Fwd PE 9.25
LYG Price Earnings VS Forward Price EarningsLYG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LYG Per share dataLYG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 2 3

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.56
EPS Next 2Y-4.19%
EPS Next 3Y-0.45%

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5. Dividend

5.1 Amount

LYG has a Yearly Dividend Yield of 4.81%, which is a nice return.
Compared to an average industry Dividend Yield of 3.18, LYG pays a better dividend. On top of this LYG pays more dividend than 89.97% of the companies listed in the same industry.
LYG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 4.81%

5.2 History

The dividend of LYG decreases each year by -4.24%.
LYG has paid a dividend for at least 10 years, which is a reliable track record.
LYG has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-4.24%
Div Incr Years3
Div Non Decr Years3
LYG Yearly Dividends per shareLYG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2021 2022 2023 2024 0.05 0.1 0.15

5.3 Sustainability

39.08% of the earnings are spent on dividend by LYG. This is a low number and sustainable payout ratio.
The Dividend Rate of LYG has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP39.08%
EPS Next 2Y-4.19%
EPS Next 3Y-0.45%
LYG Yearly Income VS Free CF VS DividendLYG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10B -10B 20B
LYG Dividend Payout.LYG Dividend Payout, showing the Payout Ratio.LYG Dividend Payout.PayoutRetained Earnings

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LLOYDS BANKING GROUP PLC-ADR

NYSE:LYG (2/21/2025, 8:04:00 PM)

After market: 3.38 +0.01 (+0.3%)

3.37

+0.04 (+1.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-20 2025-02-20/amc
Earnings (Next)07-23 2025-07-23
Inst Owners53.64%
Inst Owner Change-84.26%
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap51.13B
Analysts68.33
Price Target3.33 (-1.19%)
Short Float %0.07%
Short Ratio0.78
Dividend
Industry RankSector Rank
Dividend Yield 4.81%
Yearly Dividend0.03
Dividend Growth(5Y)-4.24%
DP39.08%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)27.73%
Min EPS beat(2)23.59%
Max EPS beat(2)31.87%
EPS beat(4)3
Avg EPS beat(4)9.28%
Min EPS beat(4)-19.19%
Max EPS beat(4)31.87%
EPS beat(8)7
Avg EPS beat(8)24.33%
EPS beat(12)10
Avg EPS beat(12)22.18%
EPS beat(16)14
Avg EPS beat(16)38.73%
Revenue beat(2)0
Avg Revenue beat(2)-5.33%
Min Revenue beat(2)-7.5%
Max Revenue beat(2)-3.15%
Revenue beat(4)0
Avg Revenue beat(4)-6.41%
Min Revenue beat(4)-9.65%
Max Revenue beat(4)-3.15%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.14%
PT rev (3m)0.27%
EPS NQ rev (1m)-1.07%
EPS NQ rev (3m)0.96%
EPS NY rev (1m)2.49%
EPS NY rev (3m)4.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.15%
Valuation
Industry RankSector Rank
PE 6.48
Fwd PE 9.25
P/S 0.94
P/FCF N/A
P/OCF N/A
P/B 0.9
P/tB 1.11
EV/EBITDA N/A
EPS(TTM)0.52
EY15.43%
EPS(NY)0.36
Fwd EY10.81%
FCF(TTM)-1.32
FCFYN/A
OCF(TTM)-0.91
OCFYN/A
SpS3.59
BVpS3.74
TBVpS3.05
PEG (NY)N/A
PEG (5Y)2.56
Profitability
Industry RankSector Rank
ROA 0.5%
ROE 10.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.46%
GM N/A
FCFM N/A
ROA(3y)0.52%
ROA(5y)0.39%
ROE(3y)9.45%
ROE(5y)7.05%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y64.82%
PM growth 5Y-1.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 2.78
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 170.78%
Cap/Sales 11.52%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC2.84%
ROIC/WACCN/A
Cap/Depr(3y)154.31%
Cap/Depr(5y)139.71%
Cap/Sales(3y)12.66%
Cap/Sales(5y)11.06%
Profit Quality(3y)208.85%
Profit Quality(5y)750.23%
High Growth Momentum
Growth
EPS 1Y (TTM)21.46%
EPS 3Y6.61%
EPS 5Y2.53%
EPS Q2Q%116.69%
EPS Next Y-30.13%
EPS Next 2Y-4.19%
EPS Next 3Y-0.45%
EPS Next 5Y-1.23%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%77.35%
Revenue Next Year5.34%
Revenue Next 2Y5.72%
Revenue Next 3Y5.02%
Revenue Next 5Y4.62%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-277.3%
FCF growth 3Y-61.78%
FCF growth 5YN/A
OCF growth 1Y-188.75%
OCF growth 3Y-36.95%
OCF growth 5YN/A