Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.73
LYG's Cash to Debt is ranked higher than
66% of the 1748 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.86 vs. LYG: 0.73 )
LYG' s 10-Year Cash to Debt Range
Min: 0.02   Max: N/A
Current: 0.73

Equity to Asset 0.06
LYG's Equity to Asset is ranked higher than
52% of the 2312 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.09 vs. LYG: 0.06 )
LYG' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.06
Current: 0.06

0.03
0.06
Interest Coverage 0.13
LYG's Interest Coverage is ranked lower than
52% of the 2185 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.17 vs. LYG: 0.13 )
LYG' s 10-Year Interest Coverage Range
Min: 0.09   Max: 0.89
Current: 0.13

0.09
0.89
F-Score: 7
Z-Score: 0.13
WACC vs ROIC
1.59%
0.49%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 2.29
LYG's Operating margin (%) is ranked lower than
51% of the 2426 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 30.22 vs. LYG: 2.29 )
LYG' s 10-Year Operating margin (%) Range
Min: 3.09   Max: 47.45
Current: 2.29

3.09
47.45
Net-margin (%) 3.54
LYG's Net-margin (%) is ranked higher than
50% of the 2426 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 22.12 vs. LYG: 3.54 )
LYG' s 10-Year Net-margin (%) Range
Min: -5.82   Max: 32.01
Current: 3.54

-5.82
32.01
ROE (%) 2.56
LYG's ROE (%) is ranked higher than
53% of the 2426 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.98 vs. LYG: 2.56 )
LYG' s 10-Year ROE (%) Range
Min: -6.11   Max: 37.02
Current: 2.56

-6.11
37.02
ROA (%) 0.14
LYG's ROA (%) is ranked higher than
51% of the 2433 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.80 vs. LYG: 0.14 )
LYG' s 10-Year ROA (%) Range
Min: -0.26   Max: 1.29
Current: 0.14

-0.26
1.29
ROC (Joel Greenblatt) (%) 19.47
LYG's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 2392 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 89.92 vs. LYG: 19.47 )
LYG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 8.59   Max: 447.84
Current: 19.47

8.59
447.84
Revenue Growth (3Y)(%) 1.60
LYG's Revenue Growth (3Y)(%) is ranked higher than
73% of the 2094 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.20 vs. LYG: 1.60 )
LYG' s 10-Year Revenue Growth (3Y)(%) Range
Min: -47.2   Max: 33.6
Current: 1.6

-47.2
33.6
EBITDA Growth (3Y)(%) -30.70
LYG's EBITDA Growth (3Y)(%) is ranked higher than
51% of the 1872 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.10 vs. LYG: -30.70 )
LYG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -49.2   Max: 5.1
Current: -30.7

-49.2
5.1
» LYG's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

LYG Guru Trades in Q2 2014

Ken Fisher 134,527,730 sh (+65.13%)
Sarah Ketterer 3,933,885 sh (+10.30%)
Jim Simons Sold Out
» More
Q3 2014

LYG Guru Trades in Q3 2014

Sarah Ketterer 4,099,715 sh (+4.22%)
Ken Fisher 135,676,361 sh (+0.85%)
» More
Q4 2014

LYG Guru Trades in Q4 2014

Sarah Ketterer 3,625,197 sh (-11.57%)
Ken Fisher 88,026,446 sh (-35.12%)
» More
Q1 2015

LYG Guru Trades in Q1 2015

Jim Simons 266,200 sh (New)
Ken Fisher 86,484,813 sh (-1.75%)
Sarah Ketterer 3,279,141 sh (-9.55%)
» More
» Details

Insider Trades

Latest Guru Trades with LYG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Lloyds Banking Group PLC

SymbolPriceYieldDescription
LLPG.UK0.996846.566.3673% Non.Cum.Pref.Shs
LLPF.UK950.000.006.0884% Non.Cum.Pref.Shs
LLPD.UK1.476.669.75% Non.Cum.Irrd.Pref.Shs
LLPC.UK1.396.659 1/4 % Non.Cum.Irrd.Pref.Shs
LLPL.UK0.883.676.0884% Non.Cum.Pref.Shs
LLPE.UK1.095.976.475% Non.Cum.Pref Shs
83VS.UK1.180.007.875% Non.Cum.Pref.Shs
LLD8.UK102.380.06Pfd Shs Sponsored American Deposit Receipt Repr 1/1000 Pfd Sh 144A
LLD6.UK112.500.06Pref Shs Sponsored American Deposit Receipt Repr 1/1000th ADR -144A-
LLD7.UK0.000.04GDR
LLD1.UK108.250.03ADR
LLYDF1000.000.007 7/8 % Non.Cum.Pref.Shs
LLYKY1110.000.00ADR
LLOBF2.197.009 1/4 % Non.Cum.Irrd.Pref.Shs
LLD5.UK112.250.06ADR
LLPJ.UK0.000.006.657% Non.Cum.Pref.Shs
LLD3.UK0.000.00GDR
LLD4.UK99.500.06GDR
LLPH.UK0.000.006.413% Non.Cum.Pref.Shs
LLD2.UK107.750.06Pref Shs Sponsored Amer Dep Rcpt Repr 1/1000 Pfd Sh -144A- Fxd Fltg
LLPI.UK0.000.005.92% Non.Cum.Pref.Shs
LLYKZ0.000.00Pref Shs Sponsored American Deposit Receipt Repr 1/1000th ADR -144A-
LYGPRA25.450.00
LLYBZ0.000.00Pref Shs Sponsored Amer Dep Rcpt Repr 1/1000 Pfd Sh -144A- Fxd Fltg
LLYDZ0.000.00Pfd Shs Sponsored American Deposit Receipt Repr 1/1000 Pfd Sh 144A

Ratios

vs
industry
vs
history
Forward P/E 10.87
LYG's Forward P/E is ranked higher than
88% of the 3227 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.00 vs. LYG: 10.87 )
N/A
P/B 1.30
LYG's P/B is ranked higher than
71% of the 3227 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.40 vs. LYG: 1.30 )
LYG' s 10-Year P/B Range
Min: 0.35   Max: 2.08
Current: 1.3

0.35
2.08
P/S 1.90
LYG's P/S is ranked higher than
87% of the 3227 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.73 vs. LYG: 1.90 )
LYG' s 10-Year P/S Range
Min: 0.43   Max: 11.39
Current: 1.9

0.43
11.39
PFCF 4.90
LYG's PFCF is ranked higher than
91% of the 3227 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.00 vs. LYG: 4.90 )
LYG' s 10-Year PFCF Range
Min: 0.05   Max: 369.6
Current: 4.9

0.05
369.6
POCF 3.52
LYG's POCF is ranked higher than
92% of the 3227 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 194.36 vs. LYG: 3.52 )
LYG' s 10-Year POCF Range
Min: 0.05   Max: 14.78
Current: 3.52

0.05
14.78
EV-to-EBIT 110.63
LYG's EV-to-EBIT is ranked higher than
59% of the 3227 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 20.17 vs. LYG: 110.63 )
LYG' s 10-Year EV-to-EBIT Range
Min: -261.9   Max: 4279.8
Current: 110.63

-261.9
4279.8
Shiller P/E 3.10
LYG's Shiller P/E is ranked higher than
99% of the 3226 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.00 vs. LYG: 3.10 )
LYG' s 10-Year Shiller P/E Range
Min: 0.73   Max: 13.48
Current: 3.1

0.73
13.48
Days Sales Outstanding 1.40
LYG's Days Sales Outstanding is ranked higher than
99% of the 3227 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.00 vs. LYG: 1.40 )
LYG' s 10-Year Days Sales Outstanding Range
Min: 0.29   Max: 15.62
Current: 1.4

0.29
15.62

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
LYG's Dividend Yield is ranked lower than
84% of the 2288 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.49 vs. LYG: 0.90 )
LYG' s 10-Year Dividend Yield Range
Min: 0.9   Max: 39.19
Current: 0.9

0.9
39.19
Yield on cost (5-Year) 0.90
LYG's Yield on cost (5-Year) is ranked lower than
83% of the 2296 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.82 vs. LYG: 0.90 )
LYG' s 10-Year Yield on cost (5-Year) Range
Min: 0.9   Max: 39.19
Current: 0.9

0.9
39.19
Share Buyback Rate -1.90
LYG's Share Buyback Rate is ranked higher than
71% of the 1722 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -1.70 vs. LYG: -1.90 )
LYG' s 10-Year Share Buyback Rate Range
Min: -0.2   Max: -125.9
Current: -1.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
LYG's Price/Tangible Book is ranked higher than
76% of the 3227 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.66 vs. LYG: 1.50 )
LYG' s 10-Year Price/Tangible Book Range
Min: 0.29   Max: 5.77
Current: 1.5

0.29
5.77
Price/DCF (Projected) 1.10
LYG's Price/DCF (Projected) is ranked higher than
81% of the 3227 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.00 vs. LYG: 1.10 )
LYG' s 10-Year Price/DCF (Projected) Range
Min: 0.04   Max: 1.22
Current: 1.1

0.04
1.22
Price/Median PS Value 1.10
LYG's Price/Median PS Value is ranked higher than
87% of the 3227 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.30 vs. LYG: 1.10 )
LYG' s 10-Year Price/Median PS Value Range
Min: 0.32   Max: 4.92
Current: 1.1

0.32
4.92
Price/Graham Number 1.70
LYG's Price/Graham Number is ranked higher than
63% of the 3227 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.20 vs. LYG: 1.70 )
LYG' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 4.06
Current: 1.7

0.42
4.06
Earnings Yield (Greenblatt) 0.90
LYG's Earnings Yield (Greenblatt) is ranked lower than
51% of the 2417 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.50 vs. LYG: 0.90 )
LYG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 779.3
Current: 0.9

0.2
779.3

Business Description

Industry: Banks » Banks - Regional - Europe
Compare:BNPQY, KBCSY, DB, NRBAY, AIBYY » details
Traded in other countries:LLPG.UK, LLPF.UK, LLPD.UK, LLPC.UK, LLPL.UK, LLPE.UK, 83VS.UK, LLD8.UK, LLD6.UK, LLOY.UK, LLD1.UK, LLYDF.USA, LLD2.Germany, LLD.Germany, LLYKY.USA, LLOBF.USA, LLD5.UK, LLD4.UK, LLD2.UK, LYG N.Mexico, LLOY.Switzerland, LLDTF.USA,
Lloyds Banking Group PLC was incorporated on October 21, 1985. It provides banking and financial services through branches and offices in the UK and overseas. Its main business activities are retail, corporate banking, general insurance, and life, pensions and investment provision. It provide its services under a number of well recognised brands such as lloyds Bank, Halifax, Bank of Scotland, TSB and Scottish Widows and through a range of distribution channels including thebranch network in the UK. Its four reporting divisions are Retail, Wholesale Wealth and International, and Insurance. The group operates in Ireland, Australia, Latin America/Middle East and Netherlands. The Retail segment offers a retail financial service products in the UK, including current accounts, savings, personal loans, credit cards and mortgages. It is also a general insurance and bancassurance distributor, selling a wide range of long-term savings, investment and general insurance products. Commercial Banking segment provides banking and related services for all UK and multinational business clients, from small and medium-sized enterprises to corporate and financial institutions. Wealth, Asset Finance and International segment is engaged in private banking and asset management activities. Insurance segment provides long-term savings, protection and investment products distributed through the bancassurance, intermediary and direct channels in the UK. The business consists of life, Pensions and Investments UK; life, Pensions and Investments Europe; and General Insurance.
» More Articles for LYG

Headlines

Articles On GuruFocus.com
Guru Stocks at 52-Week Lows: GOOGL, HSBC, AMZN, RY, LYG Jan 18 2015 
Will Scotland Leave? Polls Say Maybe. Market Says No. Sep 17 2014 
Guru Stocks at 52-Week Lows: BHP, GSK, VOD, LYG, TEF Sep 16 2014 
Guru Stocks at 52-Week Lows: GSK, VOD, LYG, EC, VALE Sep 08 2014 
Weekly 52-Week Highs Highlight: MFC, BEN, LYG, MON Jan 06 2014 
Fox Business Network’s Charlie Gasparino Reports Appaloosa Founder David Tepper Put Out for Bid $4 Feb 01 2013 
comment on LYG Jan 27 2013 
Weekly Guru Bargains Highlights: MWW, HL, CTRP, LYG, CREE Dec 24 2011 
analysis of LYG for long position Aug 18 2011 
Lloyds Banking Group (LYG) - Conviction Buy Oct 22 2010 

More From Other Websites
Lloyds to inject £1.2bn into UK companies over next three years May 25 2015
Brits prepare for holiday season as cheap oil makes travel cheap May 24 2015
Lloyds taps Oldfield to lead retail bank May 22 2015
Why Dividends Are Expected To Take Off At Lloyds Banking Group, Cineworld Group plc And Standard... May 22 2015
Lloyds' high-interest bonds: bank admits to errors in terms and conditions May 22 2015
Has Lloyds Banking Group PLC Risen Too Far Too Fast? May 21 2015
Government to streamline sale of banking assets, address low productivity May 20 2015
Britain to streamline sale of banking assets, address low productivity May 20 2015
Fitch hits RBS with debt downgrade as it warns of more losses May 19 2015
NYC's most legendary prosecutor sees a darker threat in Venezuela's alleged global cocaine hub May 19 2015
Pensioners locked out of best current account deals May 19 2015
3 Stocks That Should Keep Delivering The Goods: GlaxoSmithKline plc, Lloyds Banking Group PLC &... May 19 2015
Lloyds' high-interest bonds: court case gets under way May 18 2015
BUZZ-Lloyds: delay of block placing keeping shorts at bay May 18 2015
FTSE 100 edges up as Fresnillo rises; Lloyds stumbles May 18 2015
British FTSE's advance hindered by drops in Hikma, Lloyds May 18 2015
[$$] EU Approves Sabadall's TSB Deal May 18 2015
Britain's FTSE edges lower as Hikma, Lloyds fall May 18 2015
Lloyds Banking downgraded by Investec May 18 2015
Britain's FTSE near record high; Hikma's loss holds index back May 18 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK