LLDTF

Lloyds Banking Group plc

USD

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Price alert · LLDTF

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1.30 USD +0.05 +4.00%
As of Oct 30, 2026
1.29 Day range 1.34
1.12 52-week range 1.65
YTD
-1.52%
1 year
+7.44%
Open
1.29
Prev close
1.25
Mkt cap
74.54B
Vol
438
Avg vol
5.70K
EPS
0.13
P/E
10.00
More statistics
Low
1.29
High
1.34
Earnings
Oct 29, 2026

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Financial health

Altman Z-Score

-0.47 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

2 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 2
  • P/B 1

Valuation

P/E 14.0×
FY 2016: 20.9×FY 2017: 15.2×FY 2018: 8.0×FY 2019: 18.9×FY 2020: 28.9×FY 2021: 6.4×FY 2022: 9.2×FY 2023: 6.4×FY 2024: 8.9×FY 2025: 14.0×
FY 2016 5y median 8.9× FY 2025
P/S 1.2×
FY 2016: 1.8×FY 2017: 2.0×FY 2018: 1.6×FY 2019: 1.9×FY 2020: 2.2×FY 2021: 1.8×FY 2022: 1.5×FY 2023: 1.7×FY 2024: 0.9×FY 2025: 1.2×
FY 2016 5y median 1.5× FY 2025
P/B 1.9×
FY 2016: 0.9×FY 2017: 1.0×FY 2018: 0.7×FY 2019: 1.0×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 0.8×FY 2025: 1.9×
FY 2016 5y median 0.7× FY 2025
P/FCF -124×
FY 2016: -25.7×FY 2017: -7.0×FY 2018: -2.4×FY 2019: 5.9×FY 2020: 1.0×FY 2021: 10.1×FY 2022: 1.7×FY 2023: 23.3×FY 2024: -4.0×FY 2025: -124×
FY 2016 5y median 1.7× FY 2025
EV/EBITDA 11.6×
FY 2016: 14.0×FY 2017: 9.5×FY 2018: 10.2×FY 2019: 14.8×FY 2020: 0.0×FY 2021: 5.1×FY 2022: 4.3×FY 2023: 4.5×FY 2024: 5.6×FY 2025: 11.6×
FY 2016 5y median 5.1× FY 2025
EV/Sales 1.8×
FY 2016: 3.6×FY 2017: 3.2×FY 2018: 3.9×FY 2019: 4.2×FY 2020: 5.4×FY 2021: 2.7×FY 2022: 1.5×FY 2023: 2.6×FY 2024: 1.4×FY 2025: 1.8×
FY 2016 5y median 1.8× FY 2025
FCF Yield -0.8%
FY 2016: -3.9%FY 2017: -14.3%FY 2018: -42.3%FY 2019: 16.9%FY 2020: 96.6%FY 2021: 9.9%FY 2022: 58.0%FY 2023: 4.3%FY 2024: -25.2%FY 2025: -0.8%
FY 2016 5y median 4.3% FY 2025

Profitability

Gross Margin 71.3%
FY 2016: 69.9%FY 2017: 78.5%FY 2018: 86.3%FY 2019: 73.1%FY 2020: 100.0%FY 2021: 87.2%FY 2022: 77.3%FY 2023: 104.3%FY 2024: 49.5%FY 2025: 71.3%
FY 2016 5y median 77.3% FY 2025
Operating Margin 10.5%
FY 2016: 15.9%FY 2017: 23.7%FY 2018: 27.6%FY 2019: 17.7%FY 2020: 33.8%FY 2021: 36.9%FY 2022: 23.0%FY 2023: 60.0%FY 2024: 15.9%FY 2025: 10.5%
FY 2016 5y median 23.0% FY 2025
Net Margin 7.3%
FY 2016: 8.5%FY 2017: 16.5%FY 2018: 20.4%FY 2019: 11.8%FY 2020: 11.8%FY 2021: 30.9%FY 2022: 18.4%FY 2023: 29.7%FY 2024: 11.8%FY 2025: 7.3%
FY 2016 5y median 18.4% FY 2025
ROE 11.1%
FY 2016: 4.3%FY 2017: 8.0%FY 2018: 8.8%FY 2019: 6.1%FY 2020: 2.7%FY 2021: 10.9%FY 2022: 8.8%FY 2023: 11.6%FY 2024: 9.7%FY 2025: 11.1%
FY 2016 5y median 10.9% FY 2025
ROIC 1.1%
FY 2016: 0.6%FY 2017: 1.1%FY 2018: 1.3%FY 2019: 0.8%FY 2020: 0.9%FY 2021: 1.3%FY 2022: 1.0%FY 2023: 2.0%FY 2024: 0.5%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025
ROA 0.5%
FY 2016: 0.3%FY 2017: 0.5%FY 2018: 0.6%FY 2019: 0.4%FY 2020: 0.2%FY 2021: 0.7%FY 2022: 0.4%FY 2023: 0.6%FY 2024: 0.5%FY 2025: 0.5%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue 69.4%
FY 2016: 3.1%FY 2017: -2.7%FY 2018: -9.0%FY 2019: 14.9%FY 2020: -54.9%FY 2021: 67.4%FY 2022: 11.0%FY 2023: -11.4%FY 2024: 104.3%FY 2025: 69.4%
FY 2016 FY 2025
Operating Income 11.5%
FY 2016: 136.5%FY 2017: 44.7%FY 2018: 6.0%FY 2019: -26.3%FY 2020: -13.9%FY 2021: 82.4%FY 2022: -30.7%FY 2023: 131.1%FY 2024: -46.0%FY 2025: 11.5%
FY 2016 FY 2025
EPS (diluted) 10.9%
FY 2016: 262.5%FY 2017: 48.3%FY 2018: 38.4%FY 2019: -42.0%FY 2020: -64.9%FY 2021: 516.5%FY 2022: -34.3%FY 2023: 53.1%FY 2024: -17.1%FY 2025: 10.9%
FY 2016 FY 2025
Free Cash Flow 92.7%
FY 2016: -113.0%FY 2017: -306.3%FY 2018: -113.4%FY 2019: 153.6%FY 2020: 209.6%FY 2021: -86.0%FY 2022: 435.1%FY 2023: -92.5%FY 2024: -746.3%FY 2025: 92.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 7.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 7.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 2.3×
FY 2016: 1.9×FY 2017: 1.8×FY 2018: 2.1×FY 2019: 2.4×FY 2020: 2.2×FY 2021: 1.7×FY 2022: 2.1×FY 2023: 2.0×FY 2024: 1.8×FY 2025: 2.3×
FY 2016 5y median 2.0× FY 2025
Net Debt / EBITDA 3.8×
FY 2016: 7.1×FY 2017: 3.5×FY 2018: 6.1×FY 2019: 8.2×FY 2020: 0.0×FY 2021: 1.6×FY 2022: -0.0×FY 2023: 1.5×FY 2024: 1.9×FY 2025: 3.8×
FY 2016 5y median 1.6× FY 2025
Interest Coverage 0.4×
FY 2016: 0.5×FY 2017: 1.1×FY 2018: 2.0×FY 2019: 0.7×FY 2020: 1.1×FY 2021: 2.9×FY 2022: 1.0×FY 2023: 0.7×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 2.5%
FY 2016: 4.7%FY 2017: 4.8%FY 2018: 6.5%FY 2019: 5.0%FY 2020: 1.8%FY 2021: 3.8%FY 2022: 4.7%FY 2023: 5.2%FY 2024: 6.7%FY 2025: 2.5%
FY 2016 5y median 4.7% FY 2025
Payout Ratio 42.9%
FY 2016: 97.6%FY 2017: 58.4%FY 2018: 50.8%FY 2019: 79.0%FY 2020: 34.4%FY 2021: 22.6%FY 2022: 38.5%FY 2023: 30.2%FY 2024: 52.6%FY 2025: 42.9%
FY 2016 5y median 38.5% FY 2025

Annual · latest fiscal year ends 2025-12-31