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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 0.45
LYG's Cash to Debt is ranked higher than
65% of the 1612 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.46 vs. LYG: 0.45 )
LYG' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 0.45

Equity to Asset 0.05
LYG's Equity to Asset is ranked lower than
51% of the 2022 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.09 vs. LYG: 0.05 )
LYG' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.05
Current: 0.05

0.03
0.05
Interest Coverage 0.13
LYG's Interest Coverage is ranked lower than
52% of the 1874 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.35 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: 4
Z-Score: 0.11
WACC vs ROIC
4.87%
1.37%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 5.64
LYG's Operating margin (%) is ranked higher than
53% of the 2058 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 29.81 vs. LYG: 5.64 )
LYG' s 10-Year Operating margin (%) Range
Min: 3.09   Max: 47.45
Current: 5.64

3.09
47.45
Net-margin (%) 0.76
LYG's Net-margin (%) is ranked higher than
51% of the 2058 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 21.95 vs. LYG: 0.76 )
LYG' s 10-Year Net-margin (%) Range
Min: -5.82   Max: 32.01
Current: 0.76

-5.82
32.01
ROE (%) 0.56
LYG's ROE (%) is ranked higher than
52% of the 2060 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.74 vs. LYG: 0.56 )
LYG' s 10-Year ROE (%) Range
Min: -6.11   Max: 37.02
Current: 0.56

-6.11
37.02
ROA (%) 0.03
LYG's ROA (%) is ranked higher than
52% of the 2064 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.78 vs. LYG: 0.03 )
LYG' s 10-Year ROA (%) Range
Min: -0.26   Max: 1.29
Current: 0.03

-0.26
1.29
ROC (Joel Greenblatt) (%) 46.51
LYG's ROC (Joel Greenblatt) (%) is ranked higher than
66% of the 2021 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 78.79 vs. LYG: 46.51 )
LYG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 8.59   Max: 447.84
Current: 46.51

8.59
447.84
Revenue Growth (3Y)(%) -6.80
LYG's Revenue Growth (3Y)(%) is ranked higher than
60% of the 1734 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.50 vs. LYG: -6.80 )
LYG' s 10-Year Revenue Growth (3Y)(%) Range
Min: -47.2   Max: 33.6
Current: -6.8

-47.2
33.6
EBITDA Growth (3Y)(%) -29.10
LYG's EBITDA Growth (3Y)(%) is ranked higher than
55% of the 1571 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.60 vs. LYG: -29.10 )
LYG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -49.2   Max: 5.1
Current: -29.1

-49.2
5.1
EPS Growth (3Y)(%) -37.00
LYG's EPS Growth (3Y)(%) is ranked higher than
56% of the 1572 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.40 vs. LYG: -37.00 )
LYG' s 10-Year EPS Growth (3Y)(%) Range
Min: -47.4   Max: 11.5
Current: -37

-47.4
11.5
» LYG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

LYG Guru Trades in Q1 2014

Steven Cohen 27,437 sh (New)
Sarah Ketterer 3,566,494 sh (+24.03%)
Ken Fisher 81,469,628 sh (+9.97%)
Jim Simons 823,900 sh (-42.34%)
» More
Q2 2014

LYG Guru Trades in Q2 2014

Ken Fisher 134,527,730 sh (+65.13%)
Sarah Ketterer 3,933,885 sh (+10.3%)
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Ken Fisher 2014-12-31 Reduce -35.12%0.53%$4.62 - $5.01 $ 4.952%88026446
Ken Fisher 2014-06-30 Add 65.13%0.59%$4.83 - $5.53 $ 4.95-5%134527730
Ken Fisher 2013-12-31 New Buy0.89%$4.67 - $5.36 $ 4.95-1%74082071
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» 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.UK107.750.03Pref 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-
LYGPRA0.000.00
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
P/E(ttm) 269.10
LYG's P/E(ttm) is ranked higher than
64% of the 2695 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 17.80 vs. LYG: 269.10 )
LYG' s 10-Year P/E(ttm) Range
Min: 1.54   Max: 628
Current: 269.1

1.54
628
Forward P/E 9.06
LYG's Forward P/E is ranked higher than
93% of the 2695 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 17.42 vs. LYG: 9.06 )
N/A
P/B 1.20
LYG's P/B is ranked higher than
74% of the 2695 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.32 vs. LYG: 1.20 )
LYG' s 10-Year P/B Range
Min: 0.35   Max: 5.2
Current: 1.2

0.35
5.2
P/S 1.80
LYG's P/S is ranked higher than
92% of the 2695 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.63 vs. LYG: 1.80 )
LYG' s 10-Year P/S Range
Min: 0.43   Max: 11.39
Current: 1.8

0.43
11.39
EV-to-EBIT 64.73
LYG's EV-to-EBIT is ranked higher than
60% of the 2695 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 19.45 vs. LYG: 64.73 )
LYG' s 10-Year EV-to-EBIT Range
Min: -261.9   Max: 4279.8
Current: 64.73

-261.9
4279.8
Shiller P/E 12.40
LYG's Shiller P/E is ranked higher than
95% of the 2695 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.00 vs. LYG: 12.40 )
LYG' s 10-Year Shiller P/E Range
Min: 0.73   Max: 13.48
Current: 12.4

0.73
13.48
Days Sales Outstanding 0.38
LYG's Days Sales Outstanding is ranked higher than
100% of the 2695 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.00 vs. LYG: 0.38 )
LYG' s 10-Year Days Sales Outstanding Range
Min: 0.29   Max: 15.62
Current: 0.38

0.29
15.62

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
LYG's Price/Tangible Book is ranked higher than
78% of the 2695 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.51 vs. LYG: 1.20 )
LYG' s 10-Year Price/Tangible Book Range
Min: 0.29   Max: 5.77
Current: 1.2

0.29
5.77
Price/DCF (Projected) 1.30
LYG's Price/DCF (Projected) is ranked higher than
77% of the 2695 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.55 vs. LYG: 1.30 )
LYG' s 10-Year Price/DCF (Projected) Range
Min: 0.02   Max: 1.22
Current: 1.3

0.02
1.22
Price/Median PS Value 0.90
LYG's Price/Median PS Value is ranked higher than
93% of the 2695 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.24 vs. LYG: 0.90 )
LYG' s 10-Year Price/Median PS Value Range
Min: 0.31   Max: 4.7
Current: 0.9

0.31
4.7
Price/Graham Number 3.40
LYG's Price/Graham Number is ranked higher than
65% of the 2695 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.17 vs. LYG: 3.40 )
LYG' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 4.06
Current: 3.4

0.42
4.06
Earnings Yield (Greenblatt) 1.50
LYG's Earnings Yield (Greenblatt) is ranked higher than
55% of the 2048 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.50 vs. LYG: 1.50 )
LYG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 779.3
Current: 1.5

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,
Lloyds Banking Group PLC was incorporated on 21 October, 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 the largest branch 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 major 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 major 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

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