Stock Analysis
Lloyds Banking Group PLCLYG
Sector: Financial Services
AnalystsBuy24 analystsPrice is 57% of the way from the year's low to its high.
PMP Verdict
Insufficient financial data
No financial statements on file for this ticker — fundamental scores are not computed.
What's happening with LYG
About Lloyds Banking Group PLC
Lloyds is a retail and commercial bank headquartered in the United Kingdom. Show more
The bank operates via three business segments: retail, commercial banking, and insurance and wealth. In retail, Lloyds offers primarily mortgages (66% of its loan portfolio), credit cards, and current accounts to its customers. Its commercial banking operation provides lending, transaction banking, working capital management, and debt capital market services to large companies and financial institutions in the UK. Insurance and wealth round out the product lineup with life and property insurance as well as pension solutions and high-net-worth asset management services.
Employees: 60,061 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
Valuation
50CP/E (TTM)—
Price / TTM EPS (own statements)
P/FCF4.2xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield24.0%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)2.24xB
Grade B: FairPrice / TTM Revenue (own statements)
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E9.3xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.38xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.58A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield3.58%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio41.3%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
40D+ROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE11.0%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA0.5%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin15.7%A
Grade A: HighNet Income / Revenue
Operating Margin—
TTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
0ERevenue CAGR—
Compound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth—
Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
25EAltman Z-Score—
Bankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage—
EBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity3.14xD
Grade D: HighDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
0EPiotroski F-Score—
Financial strength 0–9. >7 Strong
Beneish M-Score—
Earnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability—
EBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
0EROIC >12% Years—
Share of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor—
Weakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)—
TTM net income per share (Finnhub fallback)
Cash / Share$1.65
Cash & short-term investments per share (Finnhub)
Book Value / Share$0.81
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.—
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity—
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$78.33B
Current Market Capitalization
Beta1.53C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Ratio snapshot Oct 17, 2026
See how LYG ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all LYG moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 1 | Regular | 5.41 | -4.00% | -2.68 |
Frequently Asked Questions about LYG
What is the current Lloyds Banking Group PLC (LYG) stock price?
LYG is trading at $5.48 at the last market close, up 0.18% on the session. PreMarketPrice tracks LYG pre-market, intraday and after-hours prices.
Is LYG stock a buy right now?
PreMarketPrice's quantitative model rates Lloyds Banking Group PLC's financial health at 25/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is LYG stock overvalued?
Lloyds Banking Group PLC trades at a trailing P/E of n/a and our valuation score rates it 50/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Lloyds Banking Group PLC report earnings?
No confirmed earnings date is currently scheduled for LYG. The Earnings section lists recent reports and updates as dates are announced.
What sector does Lloyds Banking Group PLC operate in?
Lloyds Banking Group PLC operates in the Financial Services sector. The Related Stocks section lists sector peers for comparison.
What does Lloyds Banking Group PLC do?
Lloyds is a retail and commercial bank headquartered in the United Kingdom.
About Lloyds Banking Group PLC (LYG) Stock
Lloyds Banking Group PLC (LYG) is a US-listed stock operating in the Financial Services sector. As of the latest update, Lloyds Banking Group PLC is trading at $5.48, up 0.18% on the day with a market capitalization of $78.3 billion. The financial health score for LYG is 25/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for LYG stock.
LYG Stock Analysis & Key Metrics
On PreMarketPrice, you can track Lloyds Banking Group PLC (LYG) across multiple dimensions:
- Pre-market price & movement: Real-time LYG stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for LYG with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Lloyds Banking Group PLC across multiple reporting periods.
- Financial health score: A composite score of 25/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for LYG.
- Sector peers: Compare LYG against 2 other financial services stocks on key financial metrics.
Is LYG a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Lloyds Banking Group PLC (LYG) as an investment. The financial health score of 25/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Lloyds Banking Group PLC (LYG) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.