Lloyds Banking Group
LYG | NYSE
$5.09
+$0.09 (+1.80%)
Nov 2, 2026, 9:47 AM ET · Market open
Market Data
Market Cap $72.89B
Enterprise Value $99.19B
Beta 0.94
Average Volume 16.17M
Shares Outstanding (Diluted) 14.95B
Shares Change YoY -1.32%
Institutional Ownership 3.99%
Exchange NYSE
ISIN US5394391099
Price Performance
Price Change 1M -7.5%
Price Change 3M -18.7%
Price Change 6M -2.9%
Price Change YTD -4.0%
Price Change 1Y 7.4%
Price Change 3Y 147.1%
Price Change 5Y 85.8%
1M CAGR (ann.) -13.9%
1Y CAGR (ann.) 8.2%
5Y CAGR (ann.) 18.1%
All-Time CAGR 10.9%
Valuation
PE Ratio 9.81
Forward PE 7.51
PEG Ratio 0.14
Forward PEG 0.27
PS Ratio 0.80
Forward PS 2.30
PB Ratio 1.19
P/FCF Ratio N/A
P/Adj. FCF Ratio N/A
P/OCF Ratio N/A
EV/Sales 1.48
EV/EBIT 11.52
EV/EBITDA 11.52
EV/FCF N/A
Earnings Yield 10.2%
FCF Yield 0.0%
Adj. FCF Yield 0.0%
Financial Health
Net Debt £44.96B
Total Debt £100.88B
Cash & Short-Term Investments £55.92B
Total Assets £995.14B
Current Ratio 0.11
Quick Ratio 0.11
Debt / Equity Ratio 2.21
Debt / EBITDA 11.72
Debt / FCF N/A
OCF / Debt 0.00
Interest Coverage 0.00
Altman Z-Score -0.42
Piotroski F-Score 4
Margins & Profitability
Gross Profit Margin 98.3%
Operating Profit Margin 12.9%
EBITDA Margin 29.4%
Net Profit Margin 21.1%
FCF Margin 0.0%
Adj. FCF Margin 0.0%
SBC / Revenue 0.0%
SBC Impact (per share) N/A
Returns
Return on Assets 0.6%
Return on Equity 13.1%
Return on Invested Capital 1.3%
Return on Capital Employed 1.8%
Return on Tangible Assets 0.6%
Historical Growth (CAGR)
Revenue CAGR 3Y 43.7%
Revenue CAGR 5Y 27.4%
Revenue CAGR 10Y 11.3%
EPS CAGR 3Y 5.9%
EPS CAGR 5Y 2.9%
EPS CAGR 10Y 19.1%
FCF CAGR 3Y -37.0%
FCF CAGR 5Y -129.2%
FCF CAGR 10Y 48.0%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 2
EPS Growth Next 3Y 17.7%
Revenue Growth Next 3Y -27.4%
Earnings Date Feb 4, 2027
EPS Estimate (next Q) $0.19
EPS Growth Est (next Q) 16.7%
Revenue Est (next Q) $9.68B
Revenue Growth Est (next Q) 10.3%
Fair Value Estimates
Graham Number $6.92
Graham Upside 38.4%
Lynch Fair Value $2.55
Lynch Upside -49.0%
Price Target $2.75
Price Target Upside -45.0%
Cash Flow
Operating Cash Flow £0
Free Cash Flow £0
Adj. Free Cash Flow £0
FCF Per Share $0.00
OCF Per Share $0.00
OCF/S Ratio 0.0%
Income Statement
Revenue £66.83B
Gross Profit £66.83B
Operating Income £8.61B
EBITDA £8.61B
Net Income £6.04B
EPS (Diluted) $0.38
Revenue / Employee $1.11M
Profit / Employee $100.56K
Employees 60,061
Dividends
Annual Dividend $0.22
Dividend Yield 4.40%
Payout Ratio 56.6%
FCF Payout Ratio N/A
Adj. FCF Payout Ratio N/A
Dividend Growth (YoY) 20.7%
Pay Frequency Semi-Annual
Ex-Dividend Date Aug 10, 2026
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