26 May 2026

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Lloyds Banking Group PLC (LLOY)

Rank #76 of 100 - Financials - UK Equities

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Lloyds Banking Group PLC

LLOY.L·Financials·Market Cap £58.0b

Rank #76 of 100

Data from Excel Model · 100 Stocks Analysed

£0.98

+1.65% YTD

Target: £1.19(+20.8%)

52W: £0.73 - £1.15

Score Analysis

Lloyds Banking Group PLC is ranked #76 out of 100 UK stocks. Lower factor scores indicate better performance in that category.

Factor Breakdown

52/100

Average Score

Liquidity

Weak83/100

Valuation

Excellent11/100

Profitability

Excellent25/100

Solvency

Weak80/100

Asset Efficiency

Weak82/100

Mkt Trading

Good36/100

Technical

Fair47/100

1. Valuation

Score: 11/100

Is LLOY undervalued compared to its peers and fair value metrics?

4/5

valuation criteria met

✓

FY26e P/E Ratio

9.8xRank 14/100

✓

FY27e P/E Ratio

8.3xRank 11/100

✓

Price-to-Book

1.39xRank 25/100

✓

Price-to-Tangible Book

1.75xRank 25/100

✗

EV/EBITDA

12.9xRank 69/100

Key Valuation Metrics

Current P/E

13.0x

Price-to-Earnings

FY26e P/E

9.8x

Forward estimate

FY27e P/E

8.3x

Forward estimate

P/B Ratio

1.39x

Price-to-Book

P/TBV

1.75x

Price-to-Tangible Book

EV/EBITDA

12.9x

Enterprise Value

FY26e EV/EBITDA

N/A

Forward estimate

FY27e EV/EBITDA

N/A

Forward estimate

Analyst Consensus Target

Current Price

£0.98

Consensus Target

£1.19

Potential

+20.8%

Target

Bloomberg Median Target: £1.23

2. Profitability

Score: 25/100

How profitable is LLOY relative to its peers?

1/6

profitability criteria met

✗

TTM Profit Margin

25.1%Rank 76/100

–

Current ROE

10.3%

–

Current ROA

N/A

✓

FY26e EPS

0.12Rank 2/100

–

TTM EPS

0.11

–

Net Income Growth

N/A

Profit Margin

25.1%

ROE

10.3%

FY27e ROE

16.4%

ROA

N/A

Earnings Per Share

3. Financial Health

Score: 80/100

How strong is LLOY's balance sheet and financial position?

1/4

solvency criteria met

–

Debt-to-Equity

271.3%

–

Interest Coverage

N/A

✓

Debt/EBITDA

Rank 4Rank 4/100

–

Altman Z-Score

N/A

Key Health Metrics

Quick Ratio

N/A

Below 1.0

Cash Ratio

N/A

Debt/Equity

271%

FCF Margin

-0.2%

Altman Z-Score

N/A

Distress Zone

01.812.995+

4. Asset Efficiency

Score: 82/100

How efficiently does LLOY deploy its assets and intellectual capital?

0/2

asset efficiency criteria met

–

Intangible/Asset

Intangible assets as a proportion of total assets — lower indicates more tangible, capital-efficient operations

N/A

–

R&D/Sales

Research & development spend relative to revenue — balanced R&D investment signals sustainable growth

N/A

Overall Asset Efficiency Rank

Rank within sector peers#82/100

Best (1)Worst (100)

What This Measures

Intangible/Asset — a lower ratio suggests the company's value is backed by tangible assets rather than goodwill or intangibles, reducing balance sheet risk.

R&D/Sales — captures the proportion of revenue reinvested into research and development, indicating innovation intensity and future growth investment.