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Lloyds Banking Group plc LYG

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4.98 USD -0.06 (-1.19%)

At closeNov 4, 2026, 4:00 AM EST

5.12 +0.14 +2.81%

Pre-market · Nov 4, 4:00 AM ET

4.97 Day range 5.07
4.51 52-week range 6.34
YTD
-6.04%
1 year
+5.06%

Financial health

Altman Z-Score

-0.42 Distress zone

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

Piotroski F-Score

4 / 9 Average

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

FMP rating

B3 / 5 overall

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

Valuation

P/E 14.3×
FY 2016: 21.6×FY 2017: 15.8×FY 2018: 9.1×FY 2019: 17.8×FY 2020: 29.2×FY 2021: 6.2×FY 2022: 9.2×FY 2023: 6.3×FY 2024: 8.6×FY 2025: 14.3×
FY 2016 5y median 8.6× FY 2025
P/S 0.9×
FY 2016: 1.8×FY 2017: 2.1×FY 2018: 1.7×FY 2019: 1.8×FY 2020: 1.4×FY 2021: 1.8×FY 2022: 1.5×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/B 1.2×
FY 2016: 0.9×FY 2017: 1.0×FY 2018: 0.7×FY 2019: 0.9×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 1.2×
FY 2016 5y median 0.7× FY 2025
P/FCF -94.1×
FY 2016: -26.5×FY 2017: -7.3×FY 2018: -2.5×FY 2019: 5.6×FY 2020: 1.0×FY 2021: 9.8×FY 2022: 1.7×FY 2023: 22.8×FY 2024: -3.9×FY 2025: -94.1×
FY 2016 5y median 1.7× FY 2025
EV/EBITDA 14.6×
FY 2016: 14.2×FY 2017: 9.7×FY 2018: 10.4×FY 2019: 14.5×FY 2020: 15.3×FY 2021: 5.0×FY 2022: 4.3×FY 2023: 4.5×FY 2024: 6.4×FY 2025: 14.6×
FY 2016 5y median 5.0× FY 2025
EV/Sales 1.5×
FY 2016: 3.7×FY 2017: 3.3×FY 2018: 4.0×FY 2019: 4.1×FY 2020: 3.2×FY 2021: 2.6×FY 2022: 1.5×FY 2023: 1.4×FY 2024: 1.6×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
FCF Yield -1.1%
FY 2016: -3.8%FY 2017: -13.8%FY 2018: -40.7%FY 2019: 17.8%FY 2020: 95.8%FY 2021: 10.2%FY 2022: 58.0%FY 2023: 4.4%FY 2024: -25.8%FY 2025: -1.1%
FY 2016 5y median 4.4% FY 2025

Profitability

Gross Margin 29.9%
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: 56.5%FY 2024: 49.5%FY 2025: 29.9%
FY 2016 5y median 56.5% FY 2025
Operating Margin 10.2%
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: 22.1%FY 2024: 15.9%FY 2025: 10.2%
FY 2016 5y median 22.1% FY 2025
Net Margin 7.2%
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: 16.1%FY 2024: 11.8%FY 2025: 7.2%
FY 2016 5y median 16.1% FY 2025
ROE 9.8%
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: 9.8%
FY 2016 5y median 9.8% 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: 1.4%FY 2024: 1.1%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 72.8%
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: 63.4%FY 2024: 10.8%FY 2025: 72.8%
FY 2016 FY 2025
Operating Income 11.6%
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: 56.9%FY 2024: -20.4%FY 2025: 11.6%
FY 2016 FY 2025
EPS (diluted) 8.9%
FY 2016: 262.5%FY 2017: 48.3%FY 2018: 27.9%FY 2019: -36.4%FY 2020: -65.7%FY 2021: 525.0%FY 2022: -34.7%FY 2023: 53.1%FY 2024: -17.3%FY 2025: 8.9%
FY 2016 FY 2025
Free Cash Flow 92.9%
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: 92.9%
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: 0.1×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: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 2.0×
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: 1.9×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025
Net Debt / EBITDA 5.8×
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: 2.7×FY 2025: 5.8×
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: 0.5×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 3.3%
FY 2016: 4.5%FY 2017: 4.6%FY 2018: 6.2%FY 2019: 5.2%FY 2020: 1.8%FY 2021: 2.6%FY 2022: 4.7%FY 2023: 5.3%FY 2024: 6.9%FY 2025: 3.3%
FY 2016 5y median 4.7% FY 2025
Payout Ratio 42.0%
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: 52.6%FY 2025: 42.0%
FY 2016 5y median 38.5% FY 2025

Annual · latest fiscal year ends 2025-12-31