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Lloyds Banking GroupCHIX:LLOYL -0.13%54 Cash-to-Debt is 0.58 as of Jun. 2026, which is 19% below its 10-year median of 0.72. GuruFocus rates CHIX:LLOYL with a GF Score™ of 54/100 and a GF Value™ of £0.79 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,489 Banks companies, Lloyds Banking Group ranks worse than 71.86% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Lloyds Banking Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.58.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Lloyds Banking Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Lloyds Banking Group's Cash-to-Debt or its related term are showing as below:
CHIX:LLOYl'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.49 Med: 0.72 Max: 1.14
Current: 0.58
During the past 13 years, Lloyds Banking Group's highest Cash to Debt Ratio was 1.14. The lowest was 0.49. And the median was 0.72.
CHIX:LLOYl's Cash-to-Debt is ranked worse than 71.86% of 1489
companies
in the Banks industry
Industry Median: 1.38
vs CHIX:LLOYl: 0.58
Lloyds Banking Group (CHIX:LLOYl) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Lloyds Banking Group Cash-to-Debt Related Terms
Lloyds Banking Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Lloyds Banking Group's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Lloyds Banking Group Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Lloyds Banking Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Lloyds Banking Group Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Lloyds Banking Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Lloyds Banking Group's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Lloyds Banking Group (CHIX:LLOYL) has a Cash-to-Debt of 0.58 as of Jun. 2026. This is 19% below median its historical median of 0.72. Over the past decade, Lloyds Banking Group's Cash-to-Debt has ranged from 0.49 to 1.14. According to the industry distribution chart, Lloyds Banking Group ranks #1070 out of 1489 companies in the Banks industry, placing it in the top 71.9%.
Is Lloyds Banking Group's Cash-to-Debt too high?
Lloyds Banking Group's current Cash-to-Debt of 0.58 is 19% below median its 10-year median of 0.72. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 1.14. The Banks industry median Cash-to-Debt is 1.38. Lloyds Banking Group's value of 0.58 is 58% below this industry median. Based on the distribution chart, Lloyds Banking Group ranks #1070 out of 1489 companies in the Banks industry, which is below the industry midpoint. Overall, Lloyds Banking Group has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lloyds Banking Group's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Lloyds Banking Group ranks #1070 out of 1489 companies for Cash-to-Debt. This places Lloyds Banking Group in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Lloyds Banking Group's value of 0.58 is 58% below this benchmark. Historically, Lloyds Banking Group's own Cash-to-Debt has ranged from 0.49 to 1.14 over the past decade. While the company's 10-year median is 0.72 vs. the industry median of 1.38, Lloyds Banking Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lloyds Banking Group's current Cash-to-Debt of 0.58 is 58% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lloyds Banking Group's current Cash-to-Debt is 0.58, which is 19% below median its own 10-year median of 0.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lloyds Banking Group stock overvalued right now?
Based on GuruFocus' analysis, Lloyds Banking Group (CHIX:LLOYL) is currently considered Significantly Overvalued. The stock's GF Value™ is £0.79, compared to a current price of £1.12 — trading 41.9% above its estimated fair value. The current Cash-to-Debt is 0.58, which is 19% below median its 10-year median of 0.72 and 58% below the Banks industry median of 1.38. Lloyds Banking Group's overall GF Score™ is 54/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Lloyds Banking Group (CHIX:LLOYL), the current Cash-to-Debt is 0.58 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Lloyds Banking Group (CHIX:LLOYL) Overvalued in 2026?
Based on GuruFocus' analysis, Lloyds Banking Group stock appears to be overvalued.
The current stock price of £1.12 is trading 41.9% above its estimated GF Value™ of £0.79.
GuruFocus considers Lloyds Banking Group to be Significantly Overvalued.
Key valuation signals for CHIX:LLOYL:
Cash-to-Debt: 0.58 (19% below median its 10-year median of 0.72)
GF Value™: £0.79 vs. price of £1.12 (41.9% above fair value)
Industry Position: 58% below the Banks median (#1070 of 1489)
No single metric tells the full story. See the CHIX:LLOYL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lloyds is a retail and commercial bank headquartered in the United Kingdom. The bank operates via three business segments: retail, commercial banking, and insurance and wealth. In retail, Lloyds offers primarily mortgages (66% of loan portfolio), credit cards, and current accounts to its customers. Its commercial banking operation provides lending, transaction banking, working capital management, and debt capital market services to large companies and financial institutions in the UK. Insurance and wealth round out the product lineup with life and property insurance as well as pension solutions and high-net-worth asset management services.
54GF Score
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