Lloyds Banking Group PLC
LLOY·Banks·Market Cap £61.7b
Rank #44 of 48
Data from Excel Model · 48 Stocks Analysed
£1.05
+6.78% YTD
Target: £1.16(+10.7%)
52W: £0.61 - £1.15
Score Analysis
Lloyds Banking Group PLC is ranked #44 out of 48 UK stocks. Lower factor scores indicate better performance in that category.
Factor Breakdown
21/48
Average Score
Liquidity
Weak43/48
Valuation
Excellent5/48
Profitability
Excellent11/48
Solvency
Fair22/48
Mkt Trading
Excellent1/48
Technical
Weak41/48
1. Valuation
Score: 5/48Is LLOY undervalued compared to its peers and fair value metrics?
4/5
valuation criteria met
✓
FY26e P/E Ratio10.4xRank 7/48
✓
FY27e P/E Ratio8.7xRank 6/48
✓
Price-to-Book1.48xRank 8/48
✗
Price-to-Tangible Book1.86xRank 26/48
✓
EV/EBITDAN/ARank 1/48
Key Valuation Metrics
Current P/E
11.7x
Price-to-Earnings
FY26e P/E
10.4x
Forward estimate
FY27e P/E
8.7x
Forward estimate
P/B Ratio
1.48x
Price-to-Book
P/TBV
1.86x
Price-to-Tangible Book
EV/EBITDA
N/A
Enterprise Value
FY26e EV/EBITDA
N/A
Forward estimate
FY27e EV/EBITDA
N/A
Forward estimate
Analyst Consensus Target
Current Price
£1.05
Consensus Target
£1.16
Potential
+10.7%
Target
Bloomberg Median Target: £1.20
2. Profitability
Score: 11/48How profitable is LLOY relative to its peers?
3/6
profitability criteria met
✗
TTM Profit Margin24.1%Rank 40/48
✗
Current ROE11.4%Rank 21/48
✓
Current ROA0.5%Rank 9/48
✓
FY26e EPS0.10Rank 3/48
✓
TTM EPS0.09Rank 7/48
✗
Net Income GrowthRank 49Rank 49/48
Profit Margin
24.1%
ROE
11.4%
FY27e ROE
13.7%
ROA
0.5%
Earnings Per Share
3. Financial Health
Score: 22/48How strong is LLOY's balance sheet and financial position?
2/6
solvency criteria met
✓
Debt-to-Equity276.8%Rank 4/48
✗
Altman Z-ScoreN/ARank 39/48
✗
Z-Score TrendRank 49Rank 49/48
✗
Amihud IlliquidityRank 49Rank 49/48
✗
Intangible/AssetRank 49Rank 49/48
✓
R&D/SalesRank 14Rank 14/48
Key Health Metrics
Quick Ratio
N/A
Below 1.0
Cash Ratio
N/A
Debt/Equity
277%
FCF Margin
N/A
Altman Z-Score
N/A
Distress Zone
01.812.995+
4. Dividend
LLOY pays a dividend yield of 3.48%.
Current Yield
3.48%
FY27e Yield
4.00%
FY26e DPS
0.042
FY27e DPS
N/A
Dividend Per Share Forecast
5. Technical Analysis
Score: 41/48What do the technical indicators say about LLOY?
1/4
technical criteria met
✗
CMP vs 52W High-8.4%Rank 38/48
✓
CMP vs 52W Low72.5%Rank 17/48
✗
RSI 14 Day53.8Rank 37/48
✗
MA(50) > MA(200)Yes (Bullish)Rank 48/48
RSI (14 Day)
53.8
Bullish
0 (Oversold)50100 (Overbought)
Moving Averages
MA 30-Day£1.04
MA 50-Day£1.02
MA 200-Day£0.88
SignalGolden Cross (Bullish)
MACD0.29
Risk Metrics
Beta
1.30
Higher volatility
3-Yr Std Dev
19.8%
5-Yr Std Dev
18.4%
6. Market Trading
Score: 1/48How liquid and actively traded is LLOY?
3/4
market trading criteria met
✓
5D Avg Volume127.4MRank 1/48
✓
3M Avg Volume95.4MRank 1/48
✗
Volume Trend33.5%Rank 49/48
✓
Beta1.30Rank 9/48
Shares Outstanding
58825.3m
Free Float
100.0%
Enterprise Value
N/A
Trading Volume
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