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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 0.73
LYG's Cash to Debt is ranked lower than
61% of the 966 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.47 vs. LYG: 0.73 )
Ranked among companies with meaningful Cash to Debt only.
LYG' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.73 Max: N/A
Current: 0.73
Equity to Asset 0.06
LYG's Equity to Asset is ranked lower than
84% of the 1319 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.10 vs. LYG: 0.06 )
Ranked among companies with meaningful Equity to Asset only.
LYG' s 10-Year Equity to Asset Range
Min: 0.03  Med: 0.05 Max: 0.06
Current: 0.06
0.03
0.06
Interest Coverage 0.13
LYG's Interest Coverage is ranked lower than
95% of the 1229 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.65 vs. LYG: 0.13 )
Ranked among companies with meaningful Interest Coverage only.
LYG' s 10-Year Interest Coverage Range
Min: 0.09  Med: 0.42 Max: 0.89
Current: 0.13
0.09
0.89
F-Score: 7
WACC vs ROIC
0.11%
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
92% of the 1381 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 29.90 vs. LYG: 2.29 )
Ranked among companies with meaningful Operating margin (%) only.
LYG' s 10-Year Operating margin (%) Range
Min: 3.09  Med: 20.70 Max: 47.45
Current: 2.29
3.09
47.45
Net-margin (%) 3.54
LYG's Net-margin (%) is ranked lower than
90% of the 1381 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 21.60 vs. LYG: 3.54 )
Ranked among companies with meaningful Net-margin (%) only.
LYG' s 10-Year Net-margin (%) Range
Min: -5.82  Med: 11.88 Max: 32.01
Current: 3.54
-5.82
32.01
ROE (%) 2.56
LYG's ROE (%) is ranked lower than
85% of the 1384 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.41 vs. LYG: 2.56 )
Ranked among companies with meaningful ROE (%) only.
LYG' s 10-Year ROE (%) Range
Min: -6.11  Med: 17.75 Max: 37.02
Current: 2.56
-6.11
37.02
ROA (%) 0.14
LYG's ROA (%) is ranked lower than
89% of the 1392 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.84 vs. LYG: 0.14 )
Ranked among companies with meaningful ROA (%) only.
LYG' s 10-Year ROA (%) Range
Min: -0.26  Med: 0.74 Max: 1.29
Current: 0.14
-0.26
1.29
ROC (Joel Greenblatt) (%) 19.47
LYG's ROC (Joel Greenblatt) (%) is ranked lower than
81% of the 1374 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 77.18 vs. LYG: 19.47 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
LYG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 8.59  Med: 36.30 Max: 447.84
Current: 19.47
8.59
447.84
Revenue Growth (3Y)(%) 1.60
LYG's Revenue Growth (3Y)(%) is ranked lower than
52% of the 1170 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.00 vs. LYG: 1.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LYG' s 10-Year Revenue Growth (3Y)(%) Range
Min: -47.2  Med: -8.10 Max: 33.6
Current: 1.6
-47.2
33.6
EBITDA Growth (3Y)(%) -30.70
LYG's EBITDA Growth (3Y)(%) is ranked lower than
94% of the 1029 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.40 vs. LYG: -30.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LYG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -49.2  Med: -3.25 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%)

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» 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.UK74.000.04GDR
LLD1.UK108.250.03ADR
LLYDF997.500.007 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-
LYGPRA24.990.00
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 10.54
LYG's Forward P/E is ranked higher than
66% of the 707 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.17 vs. LYG: 10.54 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 1.25
LYG's P/B is ranked lower than
63% of the 1350 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.10 vs. LYG: 1.25 )
Ranked among companies with meaningful P/B only.
LYG' s 10-Year P/B Range
Min: 0.35  Med: 1.14 Max: 2.08
Current: 1.25
0.35
2.08
P/S 1.87
LYG's P/S is ranked higher than
76% of the 1367 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.97 vs. LYG: 1.87 )
Ranked among companies with meaningful P/S only.
LYG' s 10-Year P/S Range
Min: 0.43  Med: 1.94 Max: 11.39
Current: 1.87
0.43
11.39
PFCF 10.75
LYG's PFCF is ranked higher than
53% of the 801 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.49 vs. LYG: 10.75 )
Ranked among companies with meaningful PFCF only.
LYG' s 10-Year PFCF Range
Min: 0.86  Med: 3.13 Max: 46.2
Current: 10.75
0.86
46.2
POCF 7.82
LYG's POCF is ranked higher than
59% of the 911 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 9.73 vs. LYG: 7.82 )
Ranked among companies with meaningful POCF only.
LYG' s 10-Year POCF Range
Min: 0.8  Med: 2.84 Max: 19.45
Current: 7.82
0.8
19.45
EV-to-EBIT 109.76
LYG's EV-to-EBIT is ranked lower than
97% of the 1371 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.11 vs. LYG: 109.76 )
Ranked among companies with meaningful EV-to-EBIT only.
LYG' s 10-Year EV-to-EBIT Range
Min: -261.9  Med: 32.30 Max: 4279.8
Current: 109.76
-261.9
4279.8
Shiller P/E 3.57
LYG's Shiller P/E is ranked higher than
97% of the 765 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 17.18 vs. LYG: 3.57 )
Ranked among companies with meaningful Shiller P/E only.
LYG' s 10-Year Shiller P/E Range
Min: 0.8  Med: 3.35 Max: 26.73
Current: 3.57
0.8
26.73
Days Sales Outstanding 1.40
LYG's Days Sales Outstanding is ranked higher than
95% of the 768 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 34.05 vs. LYG: 1.40 )
Ranked among companies with meaningful Days Sales Outstanding only.
LYG' s 10-Year Days Sales Outstanding Range
Min: 0.29  Med: 4.28 Max: 15.62
Current: 1.4
0.29
15.62

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.86
LYG's Dividend Yield is ranked lower than
89% of the 2188 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.63 vs. LYG: 0.86 )
Ranked among companies with meaningful Dividend Yield only.
LYG' s 10-Year Dividend Yield Range
Min: 0.9  Med: 4.99 Max: 39.19
Current: 0.86
0.9
39.19
Yield on cost (5-Year) 0.86
LYG's Yield on cost (5-Year) is ranked lower than
88% of the 2173 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.04 vs. LYG: 0.86 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LYG' s 10-Year Yield on cost (5-Year) Range
Min: 0.9  Med: 4.99 Max: 39.19
Current: 0.86
0.9
39.19
Share Buyback Rate -1.90
LYG's Share Buyback Rate is ranked lower than
54% of the 933 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -1.50 vs. LYG: -1.90 )
Ranked among companies with meaningful Share Buyback Rate only.
LYG' s 10-Year Share Buyback Rate Range
Min: -0.2  Med: -1.90 Max: -125.9
Current: -1.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.25
LYG's Price/Tangible Book is ranked lower than
55% of the 1329 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.17 vs. LYG: 1.25 )
Ranked among companies with meaningful Price/Tangible Book only.
LYG' s 10-Year Price/Tangible Book Range
Min: 0.44  Med: 1.25 Max: 3.45
Current: 1.25
0.44
3.45
Price/Projected FCF 4.78
LYG's Price/Projected FCF is ranked lower than
97% of the 759 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.68 vs. LYG: 4.78 )
Ranked among companies with meaningful Price/Projected FCF only.
LYG' s 10-Year Price/Projected FCF Range
Min: 0.44  Med: 1.80 Max: 78.9
Current: 4.78
0.44
78.9
Price/Median PS Value 0.97
LYG's Price/Median PS Value is ranked higher than
71% of the 1232 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.09 vs. LYG: 0.97 )
Ranked among companies with meaningful Price/Median PS Value only.
LYG' s 10-Year Price/Median PS Value Range
Min: 0.32  Med: 0.89 Max: 4.92
Current: 0.97
0.32
4.92
Price/Graham Number 1.66
LYG's Price/Graham Number is ranked lower than
92% of the 1122 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.87 vs. LYG: 1.66 )
Ranked among companies with meaningful Price/Graham Number only.
LYG' s 10-Year Price/Graham Number Range
Min: 0.59  Med: 0.95 Max: 4.06
Current: 1.66
0.59
4.06
Earnings Yield (Greenblatt) (%) 0.90
LYG's Earnings Yield (Greenblatt) (%) is ranked lower than
88% of the 1343 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.70 vs. LYG: 0.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LYG' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 3.00 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, LLD7.UK, LLD1.UK, LLYDF.USA, LYG N.Mexico, LLD.Germany, LYG.Argentina, LLYKY.USA, LLOBF.USA, LLD5.UK, LLD4.UK, LLD2.UK, LLOY.Switzerland, LLD2.Germany, 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

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