LYG
Lloyds Banking Group PLC
$6.08
▲ 3.4%Updated Today 3:42 PM ET
LYG at a glance — five pillars scored 0–100 from real filed financials.
Overall: Neutral · 49/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 47.6% over the last 12 months
Market Cap
$84.99B
P/E
10.6x
Forward P/E (est.)
9.12x
ROE
13.3%
Revenue Growth
12.0%
EPS Growth
16.2%
Profit Margin
15.7%
FCF Yield
0.8%
Debt / Equity
2.72x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
3.2%
Implied Growth (rev. DCF)
8.0%
Rating Score
49/100
Lloyds Banking Group PLC (LYG) is a large-cap company in the Banking industry, part of the Financials sector of the S&P 500, with a market value around $84.99B.
In its latest reported year it generated about $24.67B in revenue and $5.92B in net profit.
Our model rates LYG Neutral (49/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what LYG's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. LYG trades near $6.08, above its 50-day average ($5.45) and 200-day average ($5.22). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 80 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. LYG's is $0.13 (~2.1% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month LYG found buyers near $5.15 (support) and sellers near $6.17 (resistance); its 52-week range is $4.05–$6.34. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.3× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
-16.0%
Revenue moved from $50.31B in 2016 to $24.67B in 2025, a -7.6% compound annual growth rate. The most recent year grew a steady 12.0% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
19.5%
Net Margin
24.0%
ROE
13.3%
Lloyds Banking Group PLC keeps about 15.7% of each sales dollar as net profit. Return on equity is 13.3%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
—
Net Debt
—
Net Debt / EBITDA
—
Debt / Equity
2.72x
Leverage: debt-to-equity is 2.7x. That is elevated leverage, which raises risk if earnings or rates move against it.
Operating CF
$7.24B
Free Cash Flow
$800.10M
FCF Margin
3.2%
In the latest year Lloyds Banking Group PLC produced about $7.24B of operating cash flow and $800.10M of free cash flow after capital spending. That is a free-cash-flow yield of about 0.8% on today's price. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
Coverage is weak, the payout was cut recently, or it's being financed rather than earned — treat the current yield as fragile.
Dividend yield
3.2%
Per share (latest FY)
$0.04
Total paid (latest FY)
$2.54B
History on record
9 years
dividend uses 317% of free cash flow
43% of net income paid out
total dividends increased 4 years in a row
payout was cut at least once in the last 9 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
10.6x
P/S
2.27x
P/B
1.21x
EV / EBITDA
—
LYG trades at 10.6x trailing earnings (about 9.1x on estimated forward earnings), 2.3x sales, and 1.2x book value. Reverse-engineering today's price implies the market expects roughly 8.0% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$0.30
Current price
$6.08
Starting FCF (latest 10-K)
$800.10M
Growth, years 1–5
12.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where LYG sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How LYG stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), LYG ranks #115 of 289 by our overall rating. It trades at a discount versus the sector on earnings (10.6x P/E vs. 15.3x median) with a lower return on equity (13.3% vs. 13.6%) and slower revenue growth (12.0% vs. 15.9%).
P/E vs sector
10.6x
median 15.3x
ROE vs sector
13.3%
median 13.6%
Growth vs sector
12.0%
median 15.9%
Sector rank
#115
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $6.08 today · expected CAGR -3% – 6%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $27.63B | $30.94B | $34.65B | $38.81B | $43.47B |
| Net income | $6.63B | $7.43B | $8.32B | $9.31B | $10.43B |
| EPS | $0.47 | $0.53 | $0.59 | $0.67 | $0.75 |
| Share price (low) | $3.32 | $3.72 | $4.16 | $4.66 | $5.22 |
| Share price (high) | $5.22 | $5.84 | $6.54 | $7.33 | $8.21 |
| CAGR (low–high) | -45% / -14% | -22% / -2% | -12% / 2% | -6% / 5% | -3% / 6% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for LYG:
- Revenue is growing 12.0% a year, a sign of real demand.
- High net margins (15.7%) point to pricing power or efficiency.
- Pays a 3.2% dividend on top of any price gains.
The case against LYG:
- Elevated leverage (debt/equity 2.7x) adds financial risk.
- Limited free cash flow at today's price.
Balance-sheet risk — debt/equity of 2.7x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Lloyds Banking Group PLC is a large-cap financials business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 10.6x earnings, which our model scores Neutral (49/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 23 Wall Street analysts covering LYG recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more positive over the last three months (+4 pts of buy ratings).
Latest SEC Filings
LYG's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
LYG — frequently asked questions
Is LYG a good stock to buy?
We don't give buy or sell advice. Our model rates Lloyds Banking Group PLC Neutral (49/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is LYG's rating on The Stocks School?
Lloyds Banking Group PLC currently scores 49/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does LYG's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Lloyds Banking Group PLC's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for LYG calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this LYG analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell LYG. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.