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LYG

NEUTRAL
$5.25 Live
Lloyds Banking Group plc · NYSE
Target $5.9 (+12.4%)
$3.75 52W Range $6.34
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 30, 2026
Market cap
$76.68B
P/E
14.19
ROE
10.1%
Profit margin
25.0%
Debt/Equity
N/A
Dividend yield
3.75%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
LYG presents a stark contrast between explosive growth and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades at a significant premium to its Graham Number ($2.80), it remains below its growth-based intrinsic value of $10.91. Massive YoY earnings growth (146.4%) and a healthy dividend payout provide a bullish catalyst, but these are offset by a bearish technical trend (0/100) and poor internal health metrics. The overall outlook is neutral as the growth trajectory battles fundamental instability.

Key Strengths

Exceptional YoY earnings growth of 146.40%
Strong revenue growth (14.40% YoY, 10.42% Q/Q)
Sustainable dividend payout ratio of 48.38%
Positive long-term price performance (5Y Change: +168.6%)
Attractive PEG ratio of 1.03 suggesting fair valuation relative to growth

Key Risks

Critically low Piotroski F-Score (2/9) indicating weak financial health
Bearish technical trend (0/100) suggesting immediate downward pressure
High Price-to-Book ratio (5.58) compared to typical regional bank valuations
Low insider sentiment (40/100) indicating lack of internal confidence
Significant gap between current price and defensive Graham Number ($2.80)
AI Fair Value Estimate
Based on comprehensive analysis
$6.35
+21.0% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
59
Moderate
Value
45
Future
85
Past
80
Health
20
Dividend
65
AI Verdict
High-Growth / High-Risk
Key drivers: Earnings acceleration, Fundamental health deterioration, Technical bearishness
Confidence
85%
Value
45/100

Ref P/E, PEG, Graham Number

Positives
  • Forward P/E of 9.87 is attractive
  • PEG ratio near 1.0
Watchpoints
  • Price is nearly 2x the Graham Number
  • P/B ratio is elevated at 5.58
Future
85/100

Ref Growth rates

Positives
  • Triple-digit earnings growth
  • Consistent quarterly beats (3/4)
Watchpoints
  • Sustainability of 146% growth is questionable
Past
80/100

Ref Historical trends

Positives
  • Strong 1Y, 3Y, and 5Y returns
  • Consistent revenue expansion
Watchpoints
  • Recent 1W dip
Health
20/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Positive profit margins
Watchpoints
  • Piotroski F-Score of 2/9 is a major red flag for financial stability
Dividend
65/100

Ref Yield, Payout

Positives
  • 3.75% yield
  • Conservative payout ratio
Watchpoints
  • Yield is moderate, not high for the sector

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$5.25
Analyst Target
$5.9
Upside/Downside
+12.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for LYG and closest competitors.

Updated 2026-04-29
LYG
Lloyds Banking Group plc
Primary
5Y
+168.6%
3Y
+155.4%
1Y
+37.2%
6M
+14.9%
1M
+11.4%
1W
-3.1%
HOO
Robinhood Markets, Inc.
Peer
5Y
+135.7%
3Y
+827.3%
1Y
+67.7%
6M
-43.9%
1M
+25.9%
1W
-5.0%
AON
Aon plc
Peer
5Y
+68.5%
3Y
+6.7%
1Y
-6.6%
6M
-9.0%
1M
-5.0%
1W
-1.5%
ING
ING Groep N.V.
Peer
5Y
+206.0%
3Y
+172.3%
1Y
+49.4%
6M
+19.5%
1M
+17.0%
1W
-1.4%
BAM
Brookfield Asset Management Ltd.
Peer
5Y
+77.9%
3Y
+76.8%
1Y
-9.3%
6M
-17.4%
1M
-4.2%
1W
-2.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
14.19
Forward P/E
9.87
PEG Ratio
1.03
P/B Ratio
5.58
P/S Ratio
4.12
EV/Revenue
15.6
EV/EBITDA
N/A
Market Cap
$76.68B

Profitability

Profit margins and return metrics

Profit Margin 25.01%
Operating Margin 40.63%
Gross Margin N/A
ROE 10.15%
ROA 0.51%

Growth

Revenue and earnings growth rates

Revenue Growth +14.4%
Earnings Growth +146.4%
Q/Q Revenue Growth +10.42%
Q/Q Earnings Growth +103.2%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$2.91

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q1 2026

Revenue
$5.2B
Net Margin
29.5%
Total Assets
$968.1B
Liabilities
$919.9B
Equity
$48.0B
Debt/Equity
19.15x

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-29
$0.13
+8.3% surprise
2026-01-29
$0.12
+10.2% surprise
2025-10-23
$0.06
-44.6% surprise
2025-07-24
$0.12
+18.4% surprise

Financial Services Sector Comparison

Comparing LYG against 885 companies in the Financial Services sector (145 bullish, 379 neutral, 361 bearish)
P/E Ratio
14.19
This Stock
vs
34.43
Sector Avg
-58.8% (Discount)
Return on Equity (ROE)
10.15%
This Stock
vs
-0.15%
Sector Avg
-7073.8% (Below Avg)
Profit Margin
25.01%
This Stock
vs
92.68%
Sector Avg
-73.0% (Weaker)
Revenue Growth
14.4%
This Stock
vs
35.1%
Sector Avg
-59.0% (Slower)

Similar Companies

Peer comparison within the same industry

LYG Lloyds Banking Group plc
NEUTRAL
Mkt Cap
$76.7B
P/E
14.2
ROE
10.1%
Price
$5.25
HOOD Robinhood Markets, Inc.
BEARISH
Mkt Cap
$73.9B
P/E
40.0
ROE
22.0%
Price
$82.07
 Compare with LYG
AON Aon plc
NEUTRAL
Mkt Cap
$73.0B
P/E
26.9
ROE
37.7%
Price
$338.69
 Compare with LYG
ING ING Groep N.V.
NEUTRAL
Mkt Cap
$80.7B
P/E
11.3
ROE
15.8%
Price
$28.1
 Compare with LYG
BAM Brookfield...
NEUTRAL
Mkt Cap
$82.7B
P/E
33.3
ROE
22.6%
Price
$51.26
 Compare with LYG

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F
20-F
2026-02-13

LYG filed its 20-F annual report on February 13, 2026. This filing provides the company's comprehensive annual financial disclosures and risk assessments for the reporting period.

20-F
20-F
2025-02-20

LYG filed its 20-F annual report on February 20, 2025. Due to the absence of provided excerpts, specific financial highlights and risk factors are not available for summary.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
NONE
3 analysts
Citigroup
2026-04-09
up
Neutral Buy

Past News Coverage

Recent headlines mentioning LYG from our newsroom.

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