Stock · LLOY.L · Financial Services
United Kingdom · Large Cap · Revenue 12 mo. £19.5B
Price as of 11/06/2026
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services for retail and commercial customers in the United Kingdom.
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services for retail and commercial customers in the United Kingdom. It operates in three segments: Retail; Commercial Banking; and Insurance, Pensions and Investments. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, credit cards, unsecured loans, motor finance, and leasing solutions to personal customers. Its Commercial Banking segment provides lending, transactional banking, working capital management, debt financing, and risk management services to small and medium businesses, corporates, and institutions. The Insurance, Pensions and Investments segment offers insurance, investment, and pension management products and services. It also provides life assurance; and digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, Schroders Personal Wealth, Black Horse, Lex Autolease, Birmingham Midshires, LDC, AMC, Embark Group, Lloyds Living, Cavendish Online, Tusker, and HGP brands. The company was formerly known as Lloyds TSB Group plc and changed its name to Lloyds Banking Group plc in January 2009. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.
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Summary
38.9 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €53.6B, market value €64.4B (P/B 1.2). At a 9% discount rate, the premium over book value only pays off with a lasting 10.8% return on equity.
Required return on equity per year
10.8%
no perpetual growth
Price to book 1.20×, above its usual range.
Middle half of 20 quarters: 0.64× to 0.94×, median 0.70×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q1 → Q2 2026
3 more unchanged: Revenue, 12 mo., Shares outstanding, Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 9.77% | 12.46% | Rank 30 |
| Return on capital (Greenblatt) | 60.56% | 59.04% | Rank 51 |
| EBIT margin | 16.26% | 23.06% | Rank 29 |
| FCF margin | −1.56% | 19.82% | Rank 13 |
| Gross margin | 55.28% | 65.53% | Rank 36 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 8.89% | 7.39% | Rank 55 |
| Earnings growth, 3 years per year | 12.37% | 15.20% | Rank 42 |
| Earnings growth, 5 years per year | 33.17% | 15.17% | Rank 86 |
| Sustainable growth (ROE × retained earnings) | 15.48% | 1.25% | Rank 97 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 8.13% | 6.47% | Rank 72 |
| FCF yield | −1.19% | 7.16% | Rank 11 |
| EV/saleslower is better | 3.29 | 2.82 | Rank 46 |
| EV/EBITlower is better | 20.24 | 14.24 | Rank 34 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | −4.41% | 7.80% | Rank 29 |
| Share price, 6 months | −2.62% | 8.71% | Rank 18 |
| Share price, 3 months | −11.60% | 0.45% | Rank 6 |
| Distance from 52-week high | −18.12% | −10.68% | Rank 26 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 0.99% | 1.23% | Rank 52 |
| Change in share countlower is better | −5.21% | −0.60% | Rank 89 |
| Dividend streak in years | 4 | 5 | Rank 48 |
| Price reaction to results, market-adjusted | −3.63% | 0.00% | Rank 9 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 5.05% | 9.21% | Rank 17 |
| Net debt/EBITDAlower is better | 12.16 | 0.12 | Rank 10 |
| Debt to equitylower is better | 2.97 | 0.90 | Rank 20 |
| Volatility, 1 yearlower is better | 28.45% | 25.95% | Rank 39 |
Ten years in figures
| Year | Revenue, £B | Net income, £B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 24.4 | 2.1 | 4.3% | 72.0B |
| 2017 | 23.7 | 3.9 | 8.0% | 72.4B |
| 2018 | 21.6 | 4.4 | 8.8% | 72.3B |
| 2019 | 24.8 | 2.9 | 6.1% | 71.3B |
| 2020 | 18.7 | 1.3 | 2.7% | 70.8B |
| 2021 | 18.7 | 5.8 | 11.4% | 71.0B |
| 2022 | 20.8 | 3.8 | 8.8% | 69.7B |
| 2023 | 34.0 | 5.5 | 11.6% | 63.6B |
| 2024 | 37.6 | 4.4 | 9.7% | 63.1B |
| 2025 | 41.0 | 4.7 | 9.8% | 59.8B |
Score, radar and strategy match for Lloyds Banking Group PLC are visible with Plus. Metrics, price and sector comparison stay free.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
The match with the 18 strategies checked is visible with Plus.
Selected fundamental metrics for Lloyds Banking Group PLC.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 12.3 | 15.2 |
| P/B ratio | 1.2 | 1.8 |
| Return on equity (ROE) | 9.8% | 12.5% |
| Equity ratio | 5.0% | 9.2% |
| Debt-to-equity (D/E) | 2.97 | 0.90 |
| Dividend yield | 4.2% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| LLOY.L | Lloyds Banking Group PLCthis page | |
| NWG.L | NatWest Group PLC | locked |
| 7182.T | Japan Post Bank Co Ltd | locked |
| 2388.HK | BOC Hong Kong Holdings Ltd | locked |
| 601998.SS | China Citic Bank Corp Ltd Class A | locked |
| DBK.DE | Deutsche Bank Aktiengesellschaft | locked |
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