Lloyds Banking Group plc Logo

Lloyds Banking Group plc

LLDTF

(2.0)
Stock Price

0,76 USD

0.63% ROA

12.34% ROE

5.82x PER

Market Cap.

30.392.779.736,17 USD

215.72% DER

6.66% Yield

30.11% NPM

Lloyds Banking Group plc Stock Analysis

Lloyds Banking Group plc Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Lloyds Banking Group plc Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.65x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

The stock's ROE falls within an average range (11.91%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.63%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

5 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

6 Dividend

Investors can rely on the company's consistent dividend payments over the past three years, offering a steady stream of returns.

7 Buffet Intrinsic Value

The company's stock seems undervalued (3) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 DER

The stock is burdened with a heavy load of debt (216%), making it financially unstable and potentially risky for investors.

9 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

11 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

Lloyds Banking Group plc Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Lloyds Banking Group plc Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Lloyds Banking Group plc Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Lloyds Banking Group plc Revenue
Year Revenue Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 3.659.000.000 100%
2000 0 0%
2001 0 0%
2002 0 0%
2003 10.854.000.000 100%
2004 20.149.000.000 46.13%
2005 24.025.000.000 16.13%
2006 21.228.000.000 -13.18%
2007 20.024.000.000 -6.01%
2008 7.013.000.000 -185.53%
2009 35.519.000.000 80.26%
2010 30.921.000.000 -14.87%
2011 26.812.000.000 -15.33%
2012 20.477.000.000 -30.94%
2013 18.131.000.000 -12.94%
2014 16.272.000.000 -11.42%
2015 17.419.000.000 6.58%
2016 16.725.000.000 -4.15%
2017 18.627.000.000 10.21%
2018 18.566.000.000 -0.33%
2019 18.318.000.000 -1.35%
2020 15.126.000.000 -21.1%
2021 16.324.000.000 7.34%
2022 18.209.000.000 10.35%
2023 19.152.000.000 4.92%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Lloyds Banking Group plc Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Lloyds Banking Group plc General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 3.140.000.000 100%
2000 0 0%
2001 0 0%
2002 0 0%
2003 4.476.000.000 100%
2004 1.372.000.000 -226.24%
2005 0 0%
2006 231.000.000 100%
2007 279.000.000 17.2%
2008 6.053.000.000 95.39%
2009 3.040.000.000 -99.11%
2010 742.000.000 -309.7%
2011 1.709.000.000 56.58%
2012 550.000.000 -210.73%
2013 425.000.000 -29.41%
2014 481.000.000 11.64%
2015 262.000.000 -83.59%
2016 265.000.000 1.13%
2017 328.000.000 19.21%
2018 287.000.000 -14.29%
2019 226.000.000 -26.99%
2020 189.000.000 -19.58%
2021 210.000.000 10%
2022 265.000.000 20.75%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Lloyds Banking Group plc EBITDA
Year EBITDA Growth
1995 2.063.000.000
1996 2.615.000.000 21.11%
1997 3.395.000.000 22.97%
1998 3.220.000.000 -5.43%
1999 3.854.000.000 16.45%
2000 4.175.000.000 7.69%
2001 3.655.272.230 -14.22%
2002 3.187.000.000 -14.69%
2003 4.936.080.000 35.43%
2004 4.042.931.040 -22.09%
2005 4.396.694.840 8.05%
2006 4.763.000.000 7.69%
2007 4.598.000.000 -3.59%
2008 1.467.000.000 -213.43%
2009 3.476.000.000 57.8%
2010 2.651.000.000 -31.12%
2011 -1.440.000.000 284.1%
2012 1.472.000.000 197.83%
2013 2.319.000.000 36.52%
2014 3.610.000.000 35.76%
2015 3.660.000.000 1.37%
2016 6.517.000.000 43.84%
2017 7.555.000.000 13.74%
2018 8.267.000.000 8.61%
2019 6.972.000.000 -18.57%
2020 3.889.000.000 -79.27%
2021 9.626.000.000 59.6%
2022 9.228.000.000 -4.31%
2023 6.356.000.000 -45.19%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Lloyds Banking Group plc Gross Profit
Year Gross Profit Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 3.659.000.000 100%
2000 0 0%
2001 0 0%
2002 0 0%
2003 10.854.000.000 100%
2004 20.149.000.000 46.13%
2005 24.025.000.000 16.13%
2006 21.228.000.000 -13.18%
2007 20.024.000.000 -6.01%
2008 7.013.000.000 -185.53%
2009 35.519.000.000 80.26%
2010 30.921.000.000 -14.87%
2011 26.812.000.000 -15.33%
2012 20.477.000.000 -30.94%
2013 18.131.000.000 -12.94%
2014 16.272.000.000 -11.42%
2015 17.419.000.000 6.58%
2016 16.725.000.000 -4.15%
2017 18.627.000.000 10.21%
2018 18.566.000.000 -0.33%
2019 18.318.000.000 -1.35%
2020 15.126.000.000 -21.1%
2021 16.324.000.000 7.34%
2022 18.209.000.000 10.35%
2023 19.152.000.000 4.92%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Lloyds Banking Group plc Net Profit
Year Net Profit Growth
1995 1.130.000.000
1996 1.575.000.000 28.25%
1997 2.335.000.000 32.55%
1998 2.120.000.000 -10.14%
1999 2.520.000.000 15.87%
2000 2.706.000.000 6.87%
2001 2.229.000.000 -21.4%
2002 1.781.000.000 -25.15%
2003 3.215.000.000 44.6%
2004 2.392.000.000 -34.41%
2005 2.493.000.000 4.05%
2006 2.803.000.000 11.06%
2007 3.289.000.000 14.78%
2008 819.000.000 -301.59%
2009 2.827.000.000 71.03%
2010 -320.000.000 983.44%
2011 -2.787.000.000 88.52%
2012 -1.427.000.000 -95.3%
2013 -838.000.000 -70.29%
2014 1.412.000.000 159.35%
2015 860.000.000 -64.19%
2016 2.413.000.000 64.36%
2017 3.457.000.000 30.2%
2018 4.302.000.000 19.64%
2019 2.925.000.000 -47.08%
2020 1.318.000.000 -121.93%
2021 5.784.000.000 77.21%
2022 5.459.000.000 -5.95%
2023 4.808.000.000 -13.54%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Lloyds Banking Group plc Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 1 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Lloyds Banking Group plc Free Cashflow
Year Free Cashflow Growth
1995 2.747.000.000
1996 32.000.000 -8484.38%
1997 -856.000.000 103.74%
1998 -2.810.000.000 69.54%
1999 -411.000.000 -583.7%
2000 7.045.000.000 105.83%
2001 8.792.052.880 19.87%
2002 5.134.000.000 -71.25%
2003 -1.479.120.000 447.1%
2004 10.649.000.000 113.89%
2005 -2.174.000.000 589.83%
2006 3.494.000.000 162.22%
2007 8.523.000.000 59.01%
2008 32.405.000.000 73.7%
2009 -36.424.000.000 188.97%
2010 -5.253.000.000 -593.39%
2011 16.798.000.000 131.27%
2012 46.000.000 -36417.39%
2013 -18.513.000.000 100.25%
2014 6.911.000.000 367.88%
2015 12.955.000.000 46.65%
2016 -1.686.000.000 868.39%
2017 -6.850.000.000 75.39%
2018 -14.621.000.000 53.15%
2019 7.839.000.000 286.52%
2020 24.270.000.000 67.7%
2021 3.393.000.000 -615.3%
2022 18.156.000.000 81.31%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Lloyds Banking Group plc Operating Cashflow
Year Operating Cashflow Growth
1995 2.990.000.000
1996 227.000.000 -1217.18%
1997 -654.000.000 134.71%
1998 -2.580.000.000 74.65%
1999 -59.000.000 -4272.88%
2000 7.474.000.000 100.79%
2001 9.949.052.880 24.88%
2002 5.394.000.000 -84.45%
2003 -701.120.000 869.34%
2004 12.214.000.000 105.74%
2005 -331.000.000 3790.03%
2006 5.218.000.000 106.34%
2007 9.857.000.000 47.06%
2008 33.841.000.000 70.87%
2009 -33.735.000.000 200.31%
2010 -2.037.000.000 -1556.11%
2011 19.893.000.000 110.24%
2012 3.049.000.000 -552.44%
2013 -15.531.000.000 119.63%
2014 10.353.000.000 250.01%
2015 16.372.000.000 36.76%
2016 2.074.000.000 -689.39%
2017 -3.195.000.000 164.91%
2018 -11.107.000.000 71.23%
2019 11.281.000.000 198.46%
2020 27.171.000.000 58.48%
2021 6.621.000.000 -310.38%
2022 22.011.000.000 69.92%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Lloyds Banking Group plc Capital Expenditure
Year Capital Expenditure Growth
1995 243.000.000
1996 195.000.000 -24.62%
1997 202.000.000 3.47%
1998 230.000.000 12.17%
1999 352.000.000 34.66%
2000 429.000.000 17.95%
2001 1.157.000.000 62.92%
2002 260.000.000 -345%
2003 778.000.000 66.58%
2004 1.565.000.000 50.29%
2005 1.843.000.000 15.08%
2006 1.724.000.000 -6.9%
2007 1.334.000.000 -29.24%
2008 1.436.000.000 7.1%
2009 2.689.000.000 46.6%
2010 3.216.000.000 16.39%
2011 3.095.000.000 -3.91%
2012 3.003.000.000 -3.06%
2013 2.982.000.000 -0.7%
2014 3.442.000.000 13.36%
2015 3.417.000.000 -0.73%
2016 3.760.000.000 9.12%
2017 3.655.000.000 -2.87%
2018 3.514.000.000 -4.01%
2019 3.442.000.000 -2.09%
2020 2.901.000.000 -18.65%
2021 3.228.000.000 10.13%
2022 3.855.000.000 16.26%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Lloyds Banking Group plc Equity
Year Equity Growth
1995 4.209.000.000
1996 5.074.000.000 17.05%
1997 6.254.000.000 18.87%
1998 7.475.000.000 16.33%
1999 8.693.000.000 14.01%
2000 10.024.000.000 13.28%
2001 10.783.875.870 7.05%
2002 7.972.000.000 -35.27%
2003 9.624.000.000 17.17%
2004 11.047.000.000 12.88%
2005 10.195.000.000 -8.36%
2006 11.155.000.000 8.61%
2007 12.141.000.000 8.12%
2008 9.393.000.000 -29.26%
2009 43.278.000.000 78.3%
2010 46.061.000.000 6.04%
2011 45.920.000.000 -0.31%
2012 43.999.000.000 -4.37%
2013 38.989.000.000 -12.85%
2014 48.690.000.000 19.92%
2015 46.589.000.000 -4.51%
2016 48.375.000.000 3.69%
2017 48.906.000.000 1.09%
2018 49.925.000.000 2.04%
2019 47.603.000.000 -4.88%
2020 49.184.000.000 3.21%
2021 52.917.000.000 7.05%
2022 47.277.000.000 -11.93%
2023 44.231.000.000 -6.89%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Lloyds Banking Group plc Assets
Year Assets Growth
1995 148.047.000.000
1996 147.367.000.000 -0.46%
1997 158.106.000.000 6.79%
1998 167.997.000.000 5.89%
1999 299.098.000.000 43.83%
2000 219.113.000.000 -36.5%
2001 247.576.185.830 11.5%
2002 252.758.000.000 2.05%
2003 252.012.000.000 -0.3%
2004 284.422.000.000 11.4%
2005 309.754.000.000 8.18%
2006 343.598.000.000 9.85%
2007 353.346.000.000 2.76%
2008 436.033.000.000 18.96%
2009 1.027.255.000.000 57.55%
2010 991.574.000.000 -3.6%
2011 970.546.000.000 -2.17%
2012 924.552.000.000 -4.97%
2013 847.030.000.000 -9.15%
2014 854.896.000.000 0.92%
2015 806.688.000.000 -5.98%
2016 817.793.000.000 1.36%
2017 812.109.000.000 -0.7%
2018 797.598.000.000 -1.82%
2019 833.893.000.000 4.35%
2020 871.269.000.000 4.29%
2021 886.525.000.000 1.72%
2022 877.829.000.000 -0.99%
2023 882.804.000.000 0.56%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Lloyds Banking Group plc Liabilities
Year Liabilities Growth
1995 3.839.000.000
1996 3.919.000.000 2.04%
1997 4.209.000.000 6.89%
1998 4.021.000.000 -4.68%
1999 12.260.000.000 67.2%
2000 7.510.000.000 -63.25%
2001 7.673.764.500 2.13%
2002 10.168.000.000 24.53%
2003 36.376.000.000 72.05%
2004 39.022.000.000 6.78%
2005 51.748.000.000 24.59%
2006 66.190.000.000 21.82%
2007 63.530.000.000 -4.19%
2008 92.966.000.000 31.66%
2009 270.247.000.000 65.6%
2010 266.974.000.000 -1.23%
2011 221.293.000.000 -20.64%
2012 146.880.000.000 -50.66%
2013 807.694.000.000 81.81%
2014 103.404.000.000 -681.11%
2015 106.480.000.000 2.89%
2016 97.547.000.000 -9.16%
2017 91.685.000.000 -6.39%
2018 109.928.000.000 16.6%
2019 115.898.000.000 5.15%
2020 102.963.000.000 -12.56%
2021 85.981.000.000 -19.75%
2022 85.829.000.000 -0.18%
2023 95.417.000.000 10.05%

Lloyds Banking Group plc Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.29
Net Income per Share
0.08
Price to Earning Ratio
5.82x
Price To Sales Ratio
1.59x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.73
EV to Sales
1.59
EV Over EBITDA
4.29
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.17
FreeCashFlow Yield
0
Market Cap
30,39 Bil.
Enterprise Value
30,29 Bil.
Graham Number
1.11
Graham NetNet
0

Income Statement Metrics

Net Income per Share
0.08
Income Quality
0
ROE
0.12
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.73
EBT Per Ebit
1.09
Ebit per Revenue
0.38
Effective Tax Rate
0.26

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.38
Pretax Profit Margin
0.41
Net Profit Margin
0.3

Dividends

Dividend Yield
0.07
Dividend Yield %
6.66
Payout Ratio
0
Dividend Per Share
0.03

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
1,43
Book Value per Share
0,66
Tangible Book Value per Share
11.79
Shareholders Equity per Share
0.66
Interest Debt per Share
1.43
Debt to Equity
2.16
Debt to Assets
0.11
Net Debt to EBITDA
-0.01
Current Ratio
0
Tangible Asset Value
779,18 Bil.
Net Current Asset Value
0,11 Bil.
Invested Capital
2.16
Working Capital
95,52 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
3.14

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Lloyds Banking Group plc Dividends
Year Dividends Growth
2015 0
2016 0 0%
2017 0 0%
2019 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Lloyds Banking Group plc Profile

About Lloyds Banking Group plc

Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom. It operates through three segments: Retail; Commercial Banking; and Insurance and Wealth. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, motor finance, unsecured loans, leasing solutions, and credit cards to personal and small business customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, debt financing, and debt capital market services to small and medium-sized entities, corporates, and financial institutions. The Insurance and Wealth segment offers insurance, investment and wealth management products and services. It also provides digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows brands. Lloyds Banking Group plc was founded in 1695 and is based in London, the United Kingdom.

CEO
Mr. Charles Alan Nunn
Employee
62.569
Address
25 Gresham Street
London, EC2V 7HN

Lloyds Banking Group plc Executives & BODs

Lloyds Banking Group plc Executives & BODs
# Name Age
1 Mr. Chris Sood-Nicholls
Head of Global Services & MD
70
2 Mr. Charles Alan Nunn
Group Chief Executive & Executive Director
70
3 Ms. Catherine Lucy Cheetham
Company Secretary & Group General Counsel
70
4 Mr. Ron van Kemenade
Group Chief Operating Officer
70
5 Matt Smith
Head of Media Relations
70
6 Ms. Carla A. S. Antunes Da Silva
Director of Group Strategy, Corporate Development & Investor Relations
70
7 Mr. Suresh Balaji
Chief Marketing Officer
70
8 Ms. Sharon Doherty
Chief People & Places Officer
70
9 Mr. Stephen Shelley
Group Chief Risk Officer
70
10 Mr. William Leon David Chalmers
Group Chief Financial Officer & Executive Director
70

Lloyds Banking Group plc Competitors