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Also traded in: Argentina, Germany, Mexico, Switzerland, UK, USA

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 : 4/10

vs
industry
vs
history
Cash-to-Debt 2.76
LYG's Cash-to-Debt is ranked lower than
72% of the 1639 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.05 vs. LYG: 2.76 )
Ranked among companies with meaningful Cash-to-Debt only.
LYG' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.45 Max: No Debt
Current: 2.76
Equity-to-Asset 0.06
LYG's Equity-to-Asset is ranked lower than
86% of the 1624 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.05 Max: 0.06
Current: 0.06
0.03
0.06
Debt-to-Equity 0.37
LYG's Debt-to-Equity is ranked lower than
86% of the 1247 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.63 vs. LYG: 0.37 )
Ranked among companies with meaningful Debt-to-Equity only.
LYG' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.37  Med: 2.25 Max: 9.9
Current: 0.37
0.37
9.9
Debt-to-EBITDA 3.52
LYG's Debt-to-EBITDA is ranked lower than
90% of the 1255 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.03 vs. LYG: 3.52 )
Ranked among companies with meaningful Debt-to-EBITDA only.
LYG' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.39  Med: 37.89 Max: 136.21
Current: 3.52
3.39
136.21
Interest Coverage 0.52
LYG's Interest Coverage is ranked lower than
79% of the 1562 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.72 vs. LYG: 0.52 )
Ranked among companies with meaningful Interest Coverage only.
LYG' s Interest Coverage Range Over the Past 10 Years
Min: 0.03  Med: 0.24 Max: 0.97
Current: 0.52
0.03
0.97
WACC vs ROIC
7.55%
11.40%
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 : 3/10

vs
industry
vs
history
Operating Margin % 12.61
LYG's Operating Margin % is ranked lower than
87% of the 1650 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 32.07 vs. LYG: 12.61 )
Ranked among companies with meaningful Operating Margin % only.
LYG' s Operating Margin % Range Over the Past 10 Years
Min: -2.05  Med: 6.5 Max: 21.19
Current: 12.61
-2.05
21.19
Net Margin % 7.70
LYG's Net Margin % is ranked lower than
90% of the 1650 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 22.99 vs. LYG: 7.70 )
Ranked among companies with meaningful Net Margin % only.
LYG' s Net Margin % Range Over the Past 10 Years
Min: -6.04  Med: 4.22 Max: 17.42
Current: 7.7
-6.04
17.42
ROE % 5.77
LYG's ROE % is ranked lower than
84% of the 1653 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.60 vs. LYG: 5.77 )
Ranked among companies with meaningful ROE % only.
LYG' s ROE % Range Over the Past 10 Years
Min: -5.96  Med: 1.93 Max: 28.23
Current: 5.77
-5.96
28.23
ROA % 0.38
LYG's ROA % is ranked lower than
85% of the 1657 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.90 vs. LYG: 0.38 )
Ranked among companies with meaningful ROA % only.
LYG' s ROA % Range Over the Past 10 Years
Min: -0.26  Med: 0.14 Max: 0.94
Current: 0.38
-0.26
0.94
3-Year Revenue Growth Rate 0.80
LYG's 3-Year Revenue Growth Rate is ranked lower than
68% of the 1479 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 4.20 vs. LYG: 0.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
LYG' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -46.6  Med: -7.95 Max: 43.4
Current: 0.8
-46.6
43.4
3-Year EBITDA Growth Rate 38.10
LYG's 3-Year EBITDA Growth Rate is ranked higher than
92% of the 1396 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.90 vs. LYG: 38.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
LYG' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -51.6  Med: -1.55 Max: 38.1
Current: 38.1
-51.6
38.1
GuruFocus has detected 1 Warning Sign with Lloyds Banking Group PLC LYG.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» LYG's 30-Y Financials

Financials (Next Earnings Date: 2018-02-21)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2016

LYG Guru Trades in Q4 2016

NWQ Managers 21,921 sh (unchged)
Ken Fisher 105,262,445 sh (-2.00%)
Sarah Ketterer 4,120,080 sh (-13.67%)
Jim Simons 4,098,201 sh (-34.73%)
David Dreman 1,330 sh (-86.43%)
» More
Q1 2017

LYG Guru Trades in Q1 2017

Sarah Ketterer 4,312,717 sh (+4.68%)
NWQ Managers 21,921 sh (unchged)
David Dreman Sold Out
Ken Fisher 103,337,539 sh (-1.83%)
Jim Simons 116,500 sh (-97.16%)
» More
Q2 2017

LYG Guru Trades in Q2 2017

David Dreman 1,330 sh (New)
Jim Simons 759,700 sh (+552.10%)
Ken Fisher 116,593,046 sh (+12.83%)
NWQ Managers 21,921 sh (unchged)
Sarah Ketterer 3,985,165 sh (-7.60%)
» More
Q3 2017

LYG Guru Trades in Q3 2017

Jim Simons 1,386,583 sh (+82.52%)
Sarah Ketterer 4,244,858 sh (+6.52%)
Ken Fisher 119,266,160 sh (+2.29%)
David Dreman 1,330 sh (unchged)
NWQ Managers 21,921 sh (unchged)
» 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 2017-09-30 Add 2.29%0.01%$3.27 - $3.66 $ 3.634%119,266,160
Ken Fisher 2017-06-30 Add 12.83%0.07%$3.17 - $3.86 $ 3.632%116,593,046
David Dreman 2017-06-30 New Buy$3.17 - $3.86 $ 3.632%1,330
Ken Fisher 2017-03-31 Reduce -1.83%0.01%$3.21 - $3.54 $ 3.638%103,337,539
David Dreman 2017-03-31 Sold Out $3.21 - $3.54 $ 3.638%0
Ken Fisher 2016-12-31 Reduce -2.00%0.01%$2.61 - $3.21 $ 3.6324%105,262,445
David Dreman 2016-12-31 Reduce -86.43%0.02%$2.61 - $3.21 $ 3.6324%1,330
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Lloyds Banking Group PLC

SymbolPriceYieldDescription
LLPG.UK1.030.006.3673% Non.Cum.Pref.Shs
LLPF.UK950.000.006.0884% Non.Cum.Pref.Shs
LLPD.UK1.852.649.75% Non.Cum.Irrd.Pref.Shs
LLPC.UK1.782.599 1/4 % Non.Cum.Irrd.Pref.Shs
LLPL.UK0.883.676.0884% Non.Cum.Pref.Shs
LLPE.UK1.162.806.475% Non.Cum.Pref Shs
83VS.UK1.180.007.875% Non.Cum.Pref.Shs
LLD8.UK102.380.00Pfd Shs Sponsored American Deposit Receipt Repr 1/1000 Pfd Sh 144A
LLD6.UK117.730.03Pref Shs Sponsored American Deposit Receipt Repr 1/1000th ADR -144A-
LLD7.UK74.000.00GDR
LLD1.UK112.250.00ADR
LLYDF1000.000.007 7/8 % Non.Cum.Pref.Shs
LLOBF1.730.009 1/4 % Non.Cum.Irrd.Pref.Shs
LLD5.UK109.250.03ADR
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.UK108.000.00Pref 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
LLYDZ0.000.00Pfd Shs Sponsored American Deposit Receipt Repr 1/1000 Pfd Sh 144A
LLPC.GB.UK0.000.009 1/4 % Non.Cum.Irrd.Pref.Shs
LLPD.GB.UK0.000.009.75% Non.Cum.Irrd.Pref.Shs
LLPE.GB.UK0.000.006.475% Non.Cum.Pref Shs

Business Description

Industry: Banks » Banks - Regional - Europe    NAICS: 522110    SIC: 6029
Compare:MIL:ISP, OSTO:NDA SEK, XPAR:ACA, MIL:UCG, LSE:SBER, XPAR:GLE, XTER:DBK, XBRU:KBC, XPAR:BNP, OCSE:DANSKE, OSL:DNB, OSTO:SWED A, OSTO:SEB A, XPAR:KN, WBO:EBS, XTER:CBK, WAR:PKO, XMCE:BKIA, WBO:RBI, XMCE:SAB » details
Traded in other countries:LYG.Argentina, LLD.Germany, LYGN.Mexico, LLOY.Switzerland, LLOY.UK, LLDTF.USA,
Headquarter Location:UK
Lloyds Banking Group PLC provides a wide range of banking and financial services. Its core business activities are retail, commercial and corporate banking, general insurance, and life, pensions and investment provision.

Lloyds is the U.K.'s fourth-largest bank by asset size. The group operates via a multibrand, multichannel strategy offering services through Lloyds Bank, Bank of Scotland, Halifax, and Scottish Widows. It has over 2,000 branches throughout the U.K. and around 75,000 employees. After heavy restructuring in the aftermath of the financial crisis, Lloyds became a U.K.-focused retail and corporate bank. After the HBOS acquisition in 2009, its market share in the mortgage market more than doubled to 25%.

Guru Investment Theses on Lloyds Banking Group PLC

Herro and Nygren Comment on Lloyds - Jan 11, 2017

We have been following Lloyds (NYSE:LYG) for some time, and the U.K.’s recent decision to withdraw from the European Union translated to a decline in Lloyds’ share price. In our estimation, this price drop greatly exceeded any actual loss of intrinsic value of the company, and we believe Lloyds is undervalued relative to its normalized earnings power.

From David Herro (Trades, Portfolio) and Bill Nygren (Trades, Portfolio)'s Oakmark Global Select Fund fourth quarter 2016 commentary.

Check out Bill Nygren,David Herro latest stock trades

Top Ranked Articles about Lloyds Banking Group PLC

How to Invest in Structured Settlements Returns are good, but the risks are hidden
Structured settlements are usually associated with compensation to injured plaintiffs following a legal hearing. They are more than just a mere compensation package, however. One of their main characteristics is they are meant to cover any medical expenses the injured plaintiff may incur in relation to the injuries suffered. Read more...
Herro and Nygren Comment on Lloyds Guru stock highlight
We have been following Lloyds (NYSE:LYG) for some time, and the U.K.’s recent decision to withdraw from the European Union translated to a decline in Lloyds’ share price. In our estimation, this price drop greatly exceeded any actual loss of intrinsic value of the company, and we believe Lloyds is undervalued relative to its normalized earnings power. Read more...

Ratios

vs
industry
vs
history
PE Ratio 16.58
LYG's PE Ratio is ranked lower than
91% of the 1528 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.62 vs. LYG: 16.58 )
Ranked among companies with meaningful PE Ratio only.
LYG' s PE Ratio Range Over the Past 10 Years
Min: 1.97  Med: 26.43 Max: 630
Current: 16.58
1.97
630
Forward PE Ratio 9.73
LYG's Forward PE Ratio is ranked higher than
86% of the 372 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.77 vs. LYG: 9.73 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 16.58
LYG's PE Ratio without NRI is ranked lower than
91% of the 1531 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.75 vs. LYG: 16.58 )
Ranked among companies with meaningful PE Ratio without NRI only.
LYG' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2  Med: 18.33 Max: 92.5
Current: 16.58
2
92.5
Price-to-Owner-Earnings 0.10
LYG's Price-to-Owner-Earnings is ranked lower than
99.99% of the 922 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.44 vs. LYG: 0.10 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
LYG' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.02  Med: 14.6 Max: 230
Current: 0.1
0.02
230
PB Ratio 1.00
LYG's PB Ratio is ranked higher than
65% of the 1636 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.22 vs. LYG: 1.00 )
Ranked among companies with meaningful PB Ratio only.
LYG' s PB Ratio Range Over the Past 10 Years
Min: 0.18  Med: 0.99 Max: 2.04
Current: 1
0.18
2.04
PS Ratio 1.39
LYG's PS Ratio is ranked higher than
89% of the 1598 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.44 vs. LYG: 1.39 )
Ranked among companies with meaningful PS Ratio only.
LYG' s PS Ratio Range Over the Past 10 Years
Min: 0.34  Med: 1.42 Max: 5.53
Current: 1.39
0.34
5.53
EV-to-EBIT 3.18
LYG's EV-to-EBIT is ranked lower than
75% of the 1255 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.71 vs. LYG: 3.18 )
Ranked among companies with meaningful EV-to-EBIT only.
LYG' s EV-to-EBIT Range Over the Past 10 Years
Min: -332.2  Med: 19.65 Max: 1277.3
Current: 3.18
-332.2
1277.3
EV-to-EBITDA 3.18
LYG's EV-to-EBITDA is ranked lower than
80% of the 1254 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.38 vs. LYG: 3.18 )
Ranked among companies with meaningful EV-to-EBITDA only.
LYG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -332.2  Med: 19.65 Max: 1277.3
Current: 3.18
-332.2
1277.3
EV-to-Revenue 0.44
LYG's EV-to-Revenue is ranked higher than
73% of the 1293 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 4.22 vs. LYG: 0.44 )
Ranked among companies with meaningful EV-to-Revenue only.
LYG' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.6  Med: 3.3 Max: 20.9
Current: 0.44
-0.6
20.9
PEG Ratio 0.49
LYG's PEG Ratio is ranked higher than
68% of the 831 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.52 vs. LYG: 0.49 )
Ranked among companies with meaningful PEG Ratio only.
LYG' s PEG Ratio Range Over the Past 10 Years
Min: 0.49  Med: 0.92 Max: 6.62
Current: 0.49
0.49
6.62
Shiller PE Ratio 22.06
LYG's Shiller PE Ratio is ranked higher than
74% of the 508 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 21.19 vs. LYG: 22.06 )
Ranked among companies with meaningful Shiller PE Ratio only.
LYG' s Shiller PE Ratio Range Over the Past 10 Years
Min: 0.68  Med: 3.85 Max: 23
Current: 22.06
0.68
23

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.43
LYG's Dividend Yield % is ranked higher than
82% of the 2337 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.62 vs. LYG: 4.43 )
Ranked among companies with meaningful Dividend Yield % only.
LYG' s Dividend Yield % Range Over the Past 10 Years
Min: 0.9  Med: 4.13 Max: 106.67
Current: 4.43
0.9
106.67
Dividend Payout Ratio 0.74
LYG's Dividend Payout Ratio is ranked lower than
96% of the 1387 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.32 vs. LYG: 0.74 )
Ranked among companies with meaningful Dividend Payout Ratio only.
LYG' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.61  Med: 1.44 Max: 2.74
Current: 0.74
0.61
2.74
Forward Dividend Yield % 2.89
LYG's Forward Dividend Yield % is ranked higher than
75% of the 2240 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.79 vs. LYG: 2.89 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.44
LYG's 5-Year Yield-on-Cost % is ranked higher than
67% of the 2723 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.29 vs. LYG: 4.44 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
LYG' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.9  Med: 4.13 Max: 106.67
Current: 4.44
0.9
106.67

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.98
LYG's Price-to-Tangible-Book is ranked higher than
61% of the 1630 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.30 vs. LYG: 0.98 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
LYG' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.44  Med: 1.18 Max: 4.71
Current: 0.98
0.44
4.71
Price-to-Median-PS-Value 0.96
LYG's Price-to-Median-PS-Value is ranked higher than
78% of the 1469 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.16 vs. LYG: 0.96 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
LYG' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.39  Med: 1.32 Max: 9.74
Current: 0.96
0.39
9.74
Price-to-Graham-Number 0.82
LYG's Price-to-Graham-Number is ranked lower than
65% of the 1429 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.95 vs. LYG: 0.82 )
Ranked among companies with meaningful Price-to-Graham-Number only.
LYG' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.27  Med: 0.97 Max: 2.21
Current: 0.82
0.27
2.21
Earnings Yield (Greenblatt) % 31.13
LYG's Earnings Yield (Greenblatt) % is ranked lower than
57% of the 1657 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.51 vs. LYG: 31.13 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
LYG' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -1340.5  Med: 0.4 Max: 20210.3
Current: 31.13
-1340.5
20210.3

More Statistics

Revenue (TTM) (Mil) $50,482.03
EPS (TTM) $ 0.22
Beta0.97
Short Percentage of Float0.00%
52-Week Range $2.87 - 3.87
Shares Outstanding (Mil)17,991.84 (ADR)

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 25,383 25,698 25,688
EPS ($) 0.36 0.37 0.40
EPS without NRI ($) 0.36 0.37 0.40
EPS Growth Rate
(Future 3Y To 5Y Estimate)
23.50%
Dividends per Share ($) 0.25 0.27 0.30

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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