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Lloyds Banking GroupCHIX:LLOYL -0.45%59 Equity-to-Asset is 0.05 as of Jun. 2026, which is at its 10-year median of 0.05. GuruFocus rates CHIX:LLOYL with a GF Score™ of 59/100 and a GF Value™ of £0.75 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, Lloyds Banking Group ranks worse than 91.54% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Lloyds Banking Group's Total Stockholders Equity for the quarter that ended in Jun. 2026 was £47,012 Mil. Lloyds Banking Group's Total Assets for the quarter that ended in Jun. 2026 was £994,157 Mil.
Therefore, Lloyds Banking Group's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.05.
The historical rank and industry rank for Lloyds Banking Group's Equity-to-Asset or its related term are showing as below:
CHIX:LLOYl'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05 Med: 0.05 Max: 0.06
Current: 0.05
During the past 13 years, the highest Equity to Asset Ratio of Lloyds Banking Group was 0.06. The lowest was 0.05. And the median was 0.05.
CHIX:LLOYl's Equity-to-Asset is ranked worse than 91.54% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs CHIX:LLOYl: 0.05
Lloyds Banking Group (CHIX:LLOYl) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Lloyds Banking Group Equity-to-Asset Related Terms
Lloyds Banking Group Equity-to-Asset Historical Data
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The historical data trend for Lloyds Banking Group's Equity-to-Asset 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.
Lloyds Banking Group Equity-to-Asset Competitor Comparison
For the Banks - Regional subindustry, Lloyds Banking Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Lloyds Banking Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Lloyds Banking Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Lloyds Banking Group's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.05 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Lloyds Banking Group and its competitors. This is near median its historical median of 0.05. Over the past decade, Lloyds Banking Group's Equity-to-Asset has ranged from 0.05 to 0.06. According to the industry distribution chart, Lloyds Banking Group ranks #1395 out of 1524 companies in the Banks industry, placing it in the top 91.5%.
Is Lloyds Banking Group's Equity-to-Asset too high?
Lloyds Banking Group's current Equity-to-Asset of 0.05 is near median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.06. The Banks industry median Equity-to-Asset is 0.10. Lloyds Banking Group's value of 0.05 is 50% below this industry median. Based on the distribution chart, Lloyds Banking Group ranks #1395 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Lloyds Banking Group has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lloyds Banking Group's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Lloyds Banking Group ranks #1395 out of 1524 companies for Equity-to-Asset. This places Lloyds Banking Group in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Lloyds Banking Group's value of 0.05 is 50% below this benchmark. Historically, Lloyds Banking Group's own Equity-to-Asset has ranged from 0.05 to 0.06 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lloyds Banking Group's current Equity-to-Asset of 0.05 is 50% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Lloyds Banking Group and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lloyds Banking Group's current Equity-to-Asset is 0.05, which is near median its own 10-year median of 0.05. 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 £0.75, compared to a current price of £1.15 — trading 53.6% above its estimated fair value. The current Equity-to-Asset is 0.05, which is near median its 10-year median of 0.05 and 50% below the Banks industry median of 0.10. Lloyds Banking Group's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Lloyds Banking Group (CHIX:LLOYL), the current Equity-to-Asset is 0.05 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 £1.15 is trading 53.6% above its estimated GF Value™ of £0.75.
GuruFocus considers Lloyds Banking Group to be Significantly Overvalued.
Key valuation signals for CHIX:LLOYL:
Equity-to-Asset: 0.05 (near median its 10-year median of 0.05)
GF Value™: £0.75 vs. price of £1.15 (53.6% above fair value)
Industry Position: 50% below the Banks median (#1395 of 1524)
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.
59GF Score
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