Lloyds Banking Group PLC

$ 3 -0.05 (-1.64%)
Volume: 3,814,840 Avg Vol (1m): 5,562,849
Market Cap $: 53.71 Bil Enterprise Value $: 118.59 Bil
P/E (TTM): 11.80 P/B: 0.84
Earnings Power Value 0
Net Current Asset Value 0
Tangible Book 3.61
Projected FCF -96.74
Median P/S Value 5.13
Graham Number 4.58
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
YTD (-%)

Financial Strength : 4/10

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.
Current vs industry vs history
Cash-to-Debt 0.54
Cash-To-Debt ranked higher than
87.57% of 1617 companies
in the Banks - Regional - Europe industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
LYG: 0.54
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.02, Med: 0.5, Max: 2.3
Current: 0.54
0.02
2.3
Equity-to-Asset 0.06
Equity-to-Asset ranked lower than
85.43% of 1627 companies
in the Banks - Regional - Europe industry.
Industry Max: 1, Med: 0.11, Min: -11.05
LYG: 0.06
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.04, Med: 0.06, Max: 0.06
Current: 0.06
0.04
0.06
Debt-to-Equity 2.19
Debt-to-Equity ranked lower than
100.00% of 1393 companies
in the Banks - Regional - Europe industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
LYG: 2.19
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.55, Med: 2.22, Max: 9.9
Current: 2.19
0.55
9.9
Debt-to-EBITDA 2.04
Debt-to-EBITDA ranked lower than
71.12% of 1416 companies
in the Banks - Regional - Europe industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
LYG: 2.04
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 2.04
Current: 2.04
0
2.04
WACC vs ROIC %
ROIC 0%
WACC 2.8%

Profitability & Growth : 3/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 7.98
Net Margin ranked lower than
79.68% of 1639 companies
in the Banks - Regional - Europe industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
LYG: 7.98
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -4.88, Med: 2.92, Max: 11.25
Current: 7.98
-4.88
11.25
ROE % 9.62
ROE ranked lower than
65.51% of 1638 companies
in the Banks - Regional - Europe industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
LYG: 9.62
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -6.11, Med: 1.93, Max: 10.73
Current: 9.62
-6.11
10.73
ROA % 0.66
ROA ranked lower than
77.20% of 1645 companies
in the Banks - Regional - Europe industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
LYG: 0.66
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -0.26, Med: 0.14, Max: 0.66
Current: 0.66
-0.26
0.66
3-Year Total Revenue Growth Rate 3.50
3-Year Revenue Growth Rate ranked lower than
62.59% of 1513 companies
in the Banks - Regional - Europe industry.
Industry Max: 672.4, Med: 4.3, Min: -100
LYG: 3.6
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: 0, Med: -8.5, Max: 43.4
Current: 3.6
0
43.4
3-Year EPS w/o NRI Growth Rate 90.10
3-Year EPS w/o NRI Growth Rate ranked higher than
92.42% of 1359 companies
in the Banks - Regional - Europe industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
LYG: 90.1
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: -5.3, Max: 90.1
Current: 90.1
0
90.1

» LYG's 30-Y Financials

Financials (Next Earnings Date: 2019-07-31)

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Business Description

Industry Banks » Banks - Regional - Europe    NAICS : 522110    SIC : 6029
Compare XPAR:BNP MIL:ISP MIC:SBERP XPAR:ACA OHEL:NDA FI OSL:DNB XBRU:KBC MIL:UCG XPAR:GLE OSTO:SEB A XMAD:CABK OSTO:SWED A XPAR:KN XTER:DBK WBO:EBS OCSE:DANSKE WAR:PKO BUD:OTP XTER:CBK WAR:SP2
Traded in other countries LLD.Germany LYGN.Mexico LLOY.Switzerland LLD8.UK
Address 25 Gresham Street, London, GBR, EC2V 7HN
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%.

Ratios

Current vs industry vs history
PE Ratio (TTM) 11.80
PE Ratio ranked higher than
55.04% of 1557 companies
in the Banks - Regional - Europe industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
LYG: 11.8
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 1.97, Med: 20.33, Max: 630
Current: 11.8
1.97
630
Forward PE Ratio 8.18
Forward P/E ranked higher than
85.22% of 487 companies
in the Banks - Regional - Europe industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
LYG: 8.18
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 11.80
PE without NRI ranked higher than
55.48% of 1532 companies
in the Banks - Regional - Europe industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
LYG: 11.8
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 2, Med: 20.33, Max: 630
Current: 11.8
2
630
PB Ratio 0.84
PB Ratio ranked higher than
66.02% of 1651 companies
in the Banks - Regional - Europe industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
LYG: 0.84
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.34, Med: 0.98, Max: 1.54
Current: 0.84
0.34
1.54
PS Ratio 0.80
PS Ratio ranked higher than
82.35% of 1649 companies
in the Banks - Regional - Europe industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
LYG: 0.8
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.1, Med: 1.35, Max: 3.7
Current: 0.8
0.1
3.7
EV-to-Revenue 1.72
EV-to-Revenue ranked higher than
81.74% of 1325 companies
in the Banks - Regional - Europe industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
LYG: 1.72
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -0.1, Med: 2.65, Max: 6.9
Current: 1.72
-0.1
6.9
Shiller PE Ratio 12.77
Shiller PE Ratio ranked lower than
82.44% of 672 companies
in the Banks - Regional - Europe industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
LYG: 12.77
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 0.58, Med: 3.12, Max: 13.2
Current: 12.77
0.58
13.2

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 5.58
Trailing Dividend Yield ranked higher than
83.26% of 2587 companies
in the Banks - Regional - Europe industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
LYG: 5.58
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.9, Med: 3.88, Max: 8.83
Current: 5.58
0.9
8.83
Dividend Payout Ratio 0.94
Dividend Payout Ratio ranked lower than
78.66% of 1420 companies
in the Banks - Regional - Europe industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
LYG: 0.94
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.56, Med: 0.78, Max: 1.88
Current: 0.94
0.56
1.88
3-Year Dividend Growth Rate (Per Share) 27.40
3-Year Dividend Growth Rate ranked lower than
100.00% of 880 companies
in the Banks - Regional - Europe industry.
Industry Max: 228.7, Med: 6, Min: -100
LYG: 27.4
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: -100, Max: 27.4
Current: 27.4
0
27.4
Forward Dividend Yield % 5.49
Forward Dividend Yield ranked higher than
81.57% of 2534 companies
in the Banks - Regional - Europe industry.
Industry Max: 98, Med: 3.16, Min: 0.01
LYG: 5.49
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 5.58
Yield-on-Cost (5y) ranked higher than
69.43% of 2561 companies
in the Banks - Regional - Europe industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
LYG: 5.58
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 0.9, Med: 3.88, Max: 8.83
Current: 5.58
0.9
8.83
3-Year Share Buyback Rate 0.10
3-Year Share Buyback Rate ranked higher than
69.83% of 1137 companies
in the Banks - Regional - Europe industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
LYG: 0.1
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -127.4, Med: -0.8, Max: 0.1
Current: 0.1
-127.4
0.1

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 0.83
Price-to-Tangible-Book ranked higher than
61.59% of 1669 companies
in the Banks - Regional - Europe industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
LYG: 0.83
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.44, Med: 1.13, Max: 4.99
Current: 0.83
0.44
4.99
Price-to-Median-PS-Value 0.58
Price-to-Median-PS-Value ranked higher than
57.02% of 1524 companies
in the Banks - Regional - Europe industry.
Industry Max: 186, Med: 1.02, Min: 0.03
LYG: 0.58
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.09, Med: 1.02, Max: 9.74
Current: 0.58
0.09
9.74
Price-to-Graham-Number 0.66
Price-to-Graham-Number ranked lower than
100.00% of 1476 companies
in the Banks - Regional - Europe industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
LYG: 0.66
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.22, Med: 0.9, Max: 4.08
Current: 0.66
0.22
4.08

More Statistics

Revenue (TTM) (Mil) $ 69,758.07
EPS (TTM) $ 0.27
Beta 1.22
Volatility % 26.67
52-Week Range $ 2.43 - 3.63
Shares Outstanding (Mil) 17,678.87

Analyst Estimate

Piotroski F-Score Details