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Company Analysis

Lloyds Banking Group Plc LYG

A comprehensive view of key metrics, scores, and financial health for Lloyds Banking Group Plc

Overview of Lloyds Banking Group plc

LYG NYQ
Financial Services Banks - Regional Large Cap
Lloyds Banking Group plc (LYG), is a Large Cap company, in the Banks - Regional industry, last closed at $5.02, about 35.1% overvalued vs fair value, +35.3% 1Y return, placing in the top 25% of its sector.
$5.02
-2.33%
As of March 13, 2026
Previous close • Vol 90d: 28.5%
52-Week Range
Market Cap
$78.92B
Enterprise Value
$117.41B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.lloydsbankinggroup...
HQ London
Employees 60,061
Fiscal year Dec 31

Next Events

Earnings Apr 29
Dividend May 29 Ex-div: Apr 10

Fair Value Snapshot

Bear Base Bull
$2
$3
$6
Current: $5.02 -35% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$30.7B
-1.7%%
Interest Expense
$17.5B
Net Interest Income
$13.2B
7.8%%
Total Revenue
$20.0B
7.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.8%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.7B
88.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Lloyds Banking Group Plc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
57
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
72
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing LYG's balance between Growth (21.6%), Profitability (47.0%), and Safety (31.4%). Growth 22% Safety 31% Profitability 47%

Click axes to expand details. Marker shows current allocation.

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Growth

27th percentile vs peers
28
Key Signals
Asset Growth YoY 4.1% 52p Rev Growth YoY 7.7% 15p Revenue CAGR 3Y 7.7% 18p
Strengths
  • Operating Margin in top 20% of peers (39.1%, 90th percentile)
Risks
  • Rev Growth Yoy in bottom 20% of peers (7.7%)
  • Growth below peer median (percentile: 27)

Profitability

60th percentile vs peers
61
Key Signals
Strengths
Risks
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Safety

40th percentile vs peers
41
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Lloyds Banking Group Plc.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$3.26
- - -
-35.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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