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Lloyds Banking GroupCHIX:LLOYL -2.04%54 3-Year EPS without NRI Growth Rate is 6.20% as of Jun. 2026, which is 2% above its 10-year median of 6.10. 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 1,409 Banks companies, Lloyds Banking Group ranks worse than 52.95% on this metric.
During the past 12 months, Lloyds Banking Group's average EPS without NRI Growth Rate was 13.70% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 6.20% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 24.10% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 13.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Lloyds Banking Group was 117.80% per year. The lowest was -68.40% per year. And the median was 6.10% per year.
Lloyds Banking Group (CHIX:LLOYl) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Lloyds Banking Group 3-Year EPS without NRI Growth Rate Related Terms
Lloyds Banking Group 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Lloyds Banking Group's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Lloyds Banking Group's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Lloyds Banking Group's 3-Year EPS without NRI Growth Rate falls into.
Lloyds Banking Group 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 6.20% mean?
Lloyds Banking Group (CHIX:LLOYL) has a 3-Year EPS without NRI Growth Rate of 6.20% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Lloyds Banking Group and its competitors. This is near median its historical median of 6.10. According to the industry distribution chart, Lloyds Banking Group ranks #746 out of 1409 companies in the Banks industry, placing it in the top 52.9%.
Is Lloyds Banking Group's 3-Year EPS without NRI Growth Rate too high?
Lloyds Banking Group's current 3-Year EPS without NRI Growth Rate of 6.20% is near median its 10-year median of 6.10. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Lloyds Banking Group's value of 6.20% is 17.3% below this industry median. Based on the distribution chart, Lloyds Banking Group ranks #746 out of 1409 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 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Lloyds Banking Group ranks #746 out of 1409 companies for 3-Year EPS without NRI Growth Rate. This places Lloyds Banking Group in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Lloyds Banking Group's value of 6.20% is 17.3% below this benchmark. While the company's 10-year median is 6.10 vs. the industry median of 7.50, 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lloyds Banking Group's current 3-Year EPS without NRI Growth Rate of 6.20% is 17.3% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Lloyds Banking Group and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lloyds Banking Group's current 3-Year EPS without NRI Growth Rate is 6.20%, which is near median its own 10-year median of 6.10. 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 £1.10 — trading 38.8% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 6.20%, which is near median its 10-year median of 6.10 and 17.3% below the Banks industry median of 7.50. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Lloyds Banking Group (CHIX:LLOYL), the current 3-Year EPS without NRI Growth Rate is 6.20% 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 £1.10 is trading 38.8% above its estimated GF Value™ of £0.79.
GuruFocus considers Lloyds Banking Group to be Significantly Overvalued.
Key valuation signals for CHIX:LLOYL:
3-Year EPS without NRI Growth Rate: 6.20% (near median its 10-year median of 6.10)
GF Value™: £0.79 vs. price of £1.10 (38.8% above fair value)
Industry Position: 17.3% below the Banks median (#746 of 1409)
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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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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