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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 0.42
LYG's Cash to Debt is ranked higher than
63% of the 1274 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.10 vs. LYG: 0.42 )
LYG' s 10-Year Cash to Debt Range
Min: 0.02   Max: 2.3
Current: 0.42

0.02
2.3
Equity to Asset 0.05
LYG's Equity to Asset is ranked lower than
55% of the 1589 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.10 vs. LYG: 0.05 )
LYG' s 10-Year Equity to Asset Range
Min: 0.02   Max: 0.06
Current: 0.05

0.02
0.06
Interest Coverage 0.13
LYG's Interest Coverage is ranked lower than
56% of the 1350 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.10 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: 3
Z-Score: 0.04
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 (%) 4.50
LYG's Operating margin (%) is ranked lower than
52% of the 1455 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 30.05 vs. LYG: 4.50 )
LYG' s 10-Year Operating margin (%) Range
Min: 3.09   Max: 47.45
Current: 4.5

3.09
47.45
Net-margin (%) -2.13
LYG's Net-margin (%) is ranked lower than
55% of the 1563 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 20.45 vs. LYG: -2.13 )
LYG' s 10-Year Net-margin (%) Range
Min: -5.82   Max: 32.01
Current: -2.13

-5.82
32.01
ROE (%) -2.15
LYG's ROE (%) is ranked lower than
56% of the 1547 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.96 vs. LYG: -2.15 )
LYG' s 10-Year ROE (%) Range
Min: -6.07   Max: 33.81
Current: -2.15

-6.07
33.81
ROA (%) -0.10
LYG's ROA (%) is ranked lower than
55% of the 1556 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.74 vs. LYG: -0.10 )
LYG' s 10-Year ROA (%) Range
Min: -0.27   Max: 1.29
Current: -0.1

-0.27
1.29
ROC (Joel Greenblatt) (%) 23.39
LYG's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 1430 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 78.30 vs. LYG: 23.39 )
LYG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.52   Max: 223.92
Current: 23.39

7.52
223.92
Revenue Growth (%) -6.80
LYG's Revenue Growth (%) is ranked higher than
59% of the 1281 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.00 vs. LYG: -6.80 )
LYG' s 10-Year Revenue Growth (%) Range
Min: -33.9   Max: 32.9
Current: -6.8

-33.9
32.9
EBITDA Growth (%) -29.10
LYG's EBITDA Growth (%) is ranked higher than
52% of the 1123 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.20 vs. LYG: -29.10 )
LYG' s 10-Year EBITDA Growth (%) Range
Min: -49.2   Max: 7.7
Current: -29.1

-49.2
7.7
EPS Growth (%) -37.00
LYG's EPS Growth (%) is ranked higher than
51% of the 1105 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 9.50 vs. LYG: -37.00 )
LYG' s 10-Year EPS Growth (%) 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 2013

LYG Guru Trades in Q1 2013

Sarah Ketterer 278,695 sh (New)
Jim Simons 704,500 sh (-37.52%)
Steven Cohen 67,117 sh (-57.81%)
» More
Q2 2013

LYG Guru Trades in Q2 2013

Sarah Ketterer 653,172 sh (+134.37%)
Steven Cohen 19,958 sh (-70.26%)
Jim Simons 92,800 sh (-86.83%)
» More
Q3 2013

LYG Guru Trades in Q3 2013

Jim Simons 844,400 sh (+809.91%)
Steven Cohen 95,077 sh (+376.39%)
Sarah Ketterer 841,085 sh (+28.77%)
» More
Q4 2013

LYG Guru Trades in Q4 2013

Ken Fisher 74,082,071 sh (New)
Sarah Ketterer 2,875,540 sh (+241.88%)
Jim Simons 1,429,000 sh (+69.23%)
Steven Cohen Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with LYG



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Lloyds Banking Group PLC

SymbolPriceYieldDescription
LLPG.UK0.936846.566.3673% Non.Cum.Pref.Shs
LLPF.UK917.500.016.0884% Non.Cum.Pref.Shs
LLPD.UK1.446.789.75% Non.Cum.Irrd.Pref.Shs
LLPC.UK1.366.819 1/4 % Non.Cum.Irrd.Pref.Shs
LLPL.UK0.853.676.0884% Non.Cum.Pref.Shs
LLPE.UK1.056.206.475% Non.Cum.Pref.Shs
83VS.UK1.180.007.875% Non.Cum.Pref.Shs
LLD8.UK745.000.08Pfd Shs Sponsored American Deposit Receipt Repr 1/1000 Pfd Sh 144A
LLD6.UK101.880.07Pref Shs Sponsored American Deposit Receipt Repr 1/1000th ADR -144A-
LLD7.UK0.000.00GDR
LLD1.UK106.780.06ADR
LLYDF1000.000.007 7/8 % Non.Cum.Pref.Shs
LLYKY1032.500.00ADR
LLOBF2.196.709 1/4 % Non.Cum.Irrd.Pref.Shs
LLD5.UK97.500.07ADR
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.UK102.750.03Pref 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/B 1.35
LYG's P/B is ranked higher than
54% of the 1477 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.10 vs. LYG: 1.35 )
LYG' s 10-Year P/B Range
Min: 0.35   Max: 8.01
Current: 1.35

0.35
8.01
P/S 1.32
LYG's P/S is ranked higher than
88% of the 1640 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.88 vs. LYG: 1.32 )
LYG' s 10-Year P/S Range
Min: 0.43   Max: 17.54
Current: 1.32

0.43
17.54
EV-to-EBIT 98.03
LYG's EV-to-EBIT is ranked lower than
75% of the 1410 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 15.82 vs. LYG: 98.03 )
LYG' s 10-Year EV-to-EBIT Range
Min: 2   Max: 4279.8
Current: 98.03

2
4279.8
Shiller P/E 5.52
LYG's Shiller P/E is ranked higher than
97% of the 841 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 17.04 vs. LYG: 5.52 )
LYG' s 10-Year Shiller P/E Range
Min: 0.7   Max: 12.89
Current: 5.52

0.7
12.89

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.51
LYG's Price/Tangible Book is ranked higher than
56% of the 1362 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.24 vs. LYG: 1.51 )
LYG' s 10-Year Price/Tangible Book Range
Min: 0.44   Max: 7.22
Current: 1.51

0.44
7.22
Price/DCF (Projected) 1.85
LYG's Price/DCF (Projected) is ranked lower than
66% of the 904 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.60 vs. LYG: 1.85 )
LYG' s 10-Year Price/DCF (Projected) Range
Min: 0.24   Max: 1.97
Current: 1.85

0.24
1.97
Price/Median PS Value 0.45
LYG's Price/Median PS Value is ranked higher than
96% of the 1478 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.00 vs. LYG: 0.45 )
LYG' s 10-Year Price/Median PS Value Range
Min: 0.22   Max: 2.4
Current: 0.45

0.22
2.4
Earnings Yield (Greenblatt) 1.00
LYG's Earnings Yield (Greenblatt) is ranked lower than
65% of the 1411 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.40 vs. LYG: 1.00 )
LYG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 50.8
Current: 1

0.2
50.8
Forward Rate of Return (Yacktman) 110.39
LYG's Forward Rate of Return (Yacktman) is ranked higher than
98% of the 1095 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.48 vs. LYG: 110.39 )
LYG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 14.8   Max: 352.4
Current: 110.39

14.8
352.4

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
Lloyds Banking Group PLC provides a wide range of 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. Its four reporting divisions are Retail, Wholesale Wealth and International, and Insurance. The group operates in Ireland, Australia, Latin America/Middle East and Netherlands.

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