LLOBF

Lloyds Banking Group plc 9.25% NON-CUM IRR PRF SHS GBP0.25

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Price alert · LLOBF

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1.89 USD 0.00 0.00%
As of Oct 29, 2026
2.10 Day range 2.10
1.88 52-week range 2.27
YTD
-10.15%
1 year
+0.36%
Open
2.10
Prev close
1.89
Mkt cap
57.33B
Vol
1
Avg vol
41
EPS
0.00
P/E
0.00
More statistics
Low
2.10
High
2.10
Earnings
Oct 29, 2026

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Financial health

Altman Z-Score

-0.48 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.

Valuation

P/E 22.2×
FY 2016: 48.3×FY 2017: 29.1×FY 2018: 24.7×FY 2019: 38.3×FY 2020: 104×FY 2021: 22.7×FY 2022: 40.3×FY 2023: 26.2×FY 2024: 29.2×FY 2025: 22.2×
FY 2016 5y median 26.2× FY 2025
P/S 2.0×
FY 2016: 4.1×FY 2017: 3.9×FY 2018: 4.5×FY 2019: 3.8×FY 2020: 4.8×FY 2021: 6.5×FY 2022: 6.6×FY 2023: 7.0×FY 2024: 3.0×FY 2025: 2.0×
FY 2016 5y median 6.5× FY 2025
P/B 3.0×
FY 2016: 2.1×FY 2017: 1.9×FY 2018: 1.9×FY 2019: 2.0×FY 2020: 1.8×FY 2021: 2.3×FY 2022: 3.1×FY 2023: 2.7×FY 2024: 2.5×FY 2025: 3.0×
FY 2016 5y median 2.7× FY 2025
P/FCF -196×
FY 2016: -59.2×FY 2017: -13.4×FY 2018: -6.6×FY 2019: 12.1×FY 2020: 3.7×FY 2021: 35.8×FY 2022: 7.5×FY 2023: 95.4×FY 2024: -11.4×FY 2025: -196×
FY 2016 5y median 7.5× FY 2025
EV/EBITDA 16.2×
FY 2016: 23.0×FY 2017: 15.0×FY 2018: 17.7×FY 2019: 21.7×FY 2020: 31.7×FY 2021: 14.1×FY 2022: 19.0×FY 2023: 13.9×FY 2024: 14.1×FY 2025: 16.2×
FY 2016 5y median 14.1× FY 2025
EV/Sales 2.6×
FY 2016: 5.9×FY 2017: 5.0×FY 2018: 6.8×FY 2019: 6.2×FY 2020: 6.7×FY 2021: 7.3×FY 2022: 6.6×FY 2023: 7.9×FY 2024: 3.5×FY 2025: 2.6×
FY 2016 5y median 6.6× FY 2025
FCF Yield -0.5%
FY 2016: -1.7%FY 2017: -7.5%FY 2018: -15.1%FY 2019: 8.3%FY 2020: 26.8%FY 2021: 2.8%FY 2022: 13.3%FY 2023: 1.0%FY 2024: -8.8%FY 2025: -0.5%
FY 2016 5y median 1.0% 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: 81.0%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: 6.6%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: 7.1%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: 0.3%FY 2021: 1.5%FY 2022: 1.0%FY 2023: 2.0%FY 2024: 0.3%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: -24.6%FY 2021: 0.1%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: -72.1%FY 2021: 463.0%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: 27.9%FY 2019: -38.2%FY 2020: -64.7%FY 2021: 525.0%FY 2022: -34.7%FY 2023: 53.1%FY 2024: -17.1%FY 2025: 10.9%
FY 2016 FY 2025
Free Cash Flow 93.6%
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: -839.2%FY 2025: 93.6%
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: 39.2×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: 39.2×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: 8.9×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: 0.3×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 1.6%
FY 2016: 2.0%FY 2017: 2.5%FY 2018: 2.3%FY 2019: 2.4%FY 2020: 0.5%FY 2021: 0.7%FY 2022: 1.1%FY 2023: 1.3%FY 2024: 1.6%FY 2025: 1.6%
FY 2016 5y median 1.3% 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: 15.2%FY 2022: 38.5%FY 2023: 30.2%FY 2024: 41.3%FY 2025: 42.9%
FY 2016 5y median 38.5% FY 2025

Annual · latest fiscal year ends 2025-12-31