Stock AnalizLloyds Banking Group plc LYG
Commercial Banks · data as of November 13, 2026
Lloyds Banking Group plc (LYG) is a financial company listed in the US with a market value of about $77.2B. In the twelve months to September 30, 2026 it had revenue of $28.9B and net income of $7.6B, a net margin of 26.2%.
Its overall Stock Analiz score is 1.8 out of 5 (weak). The strongest part is value (3/5); the weakest is future growth (1/5).
Key numbers: a P/E of 10.0, a price to free cash flow of 112.0, 5-year revenue growth of -8% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 8% below the current price.
Score: 1.8 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- PEG below 1.5
- Revenue growth above 10% last year
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
- Positive free cash flow
- Pays a dividend
Checks not passed
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $28.9B | $26.2B | $22.6B | $23.7B | — | $52.5B | $39.8B | $55.9B | $28.3B | $46.3B | $48.8B |
| Net income | $7.6B | $6.3B | $5.5B | $6.9B | $4.6B | $7.8B | $1.8B | $3.9B | $5.6B | $5.3B | $2.5B |
| Free cash flow | $690M | $848M | -$11.0B | $3.6B | $23.5B | $4.8B | $34.5B | $10.4B | -$18.7B | -$9.3B | -$2.1B |
| EPS (diluted) | $0.52 | $0.42 | $0.37 | $0.47 | $0.31 | $0.53 | $0.12 | $0.26 | $0.38 | $0.36 | $0.17 |
| Net margin | 26.2% | 24.0% | 24.6% | 29.3% | — | 14.8% | 4.5% | 6.9% | 20.0% | 11.4% | 5.2% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is Lloyds Banking Group’s P/E ratio?
About 10.0, based on the last twelve months of diluted earnings per share (forward P/E about 8.9).
Is Lloyds Banking Group stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 8% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Lloyds Banking Group pay a dividend?
Yes. The dividend yield is about 4.18%, and it has paid dividends for 9 years in our data.
Is Lloyds Banking Group a good stock to buy?
We do not give buy or sell advice. Lloyds Banking Group scores 1.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.