Lloyds Banking Group (CHIX:LLOYL) 1-Year Sharpe Ratio: 1.68 (As of Jul. 20, 2026)

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CHIX:LLOYL Lloyds Banking Group PLC CHIX:LLOYL
59 GF Score
Price £1.11
GF Value £0.70
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Lloyds Banking Group 1-Year Sharpe Ratio?

Lloyds Banking Group CHIX:LLOYL -1.09% 59 1-Year Sharpe Ratio is 1.68 as of Jul. 20, 2026. GuruFocus rates CHIX:LLOYL with a GF Score™ of 59/100 and a GF Value™ of £0.70 (Significantly Overvalued). The stock has 4 warning signs investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-07-20), Lloyds Banking Group's 1-Year Sharpe Ratio is 1.68.

Lloyds Banking Group  (CHIX:LLOYl) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

Lloyds Banking Group 1-Year Sharpe Ratio Related Terms

Lloyds Banking Group 1-Year Sharpe Ratio Competitor Comparison

For the Banks - Regional subindustry, Lloyds Banking Group's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Lloyds Banking Group's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where Lloyds Banking Group's 1-Year Sharpe Ratio falls into.


CHIX:LLOYL
59GF Score
Lloyds Banking Group PLC CHIX:LLOYL
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Lloyds Banking Group 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 1.68 mean?
Lloyds Banking Group (CHIX:LLOYL) has a 1-Year Sharpe Ratio of 1.68 as of Jul. 20, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Lloyds Banking Group and its competitors.
Is Lloyds Banking Group's 1-Year Sharpe Ratio too high?
Lloyds Banking Group's current 1-Year Sharpe Ratio is 1.68. 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 1-Year Sharpe Ratio compare to competitors?
Lloyds Banking Group's 1-Year Sharpe Ratio of 1.68 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Lloyds Banking Group and its competitors. Lloyds Banking Group's current 1-Year Sharpe Ratio is 1.68. 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 £0.70, compared to a current price of £1.11 — trading 58.6% above its estimated fair value. The current 1-Year Sharpe Ratio is 1.68. Lloyds Banking Group's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For Lloyds Banking Group (CHIX:LLOYL), the current 1-Year Sharpe Ratio is 1.68 as of Jul. 20, 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 £1.11 is trading 58.6% above its estimated GF Value™ of £0.70. GuruFocus considers Lloyds Banking Group to be Significantly Overvalued.

Key valuation signals for CHIX:LLOYL:

  • 1-Year Sharpe Ratio: 1.68
  • GF Value™: £0.70 vs. price of £1.11 (58.6% above fair value)
  • GF Score™: 59/100 with 4 warning signs

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 Banking Group Business Description

Address 33 Old Broad Street, London, GBR, EC2N 1HZ
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

Get the complete analysis for CHIX:LLOYL

1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£1.11
Price
£0.70
GF Value