Lloyds Banking Financials

LYG Stock  USD 3.74  0.03  0.80%   
Lloyds Banking Group may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Lloyds Banking's Non Currrent Assets Other are most likely to increase significantly in the upcoming years. The Lloyds Banking's current Common Stock Shares Outstanding is estimated to increase to about 66.2 B, while Total Stockholder Equity is projected to decrease to roughly 31.2 B. Key indicators impacting Lloyds Banking's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio2.333.3693
Way Down
Pretty Stable
Operating Income9.2 B17.6 B
Way Down
Very volatile
Current Ratio4.296.9918
Way Down
Pretty Stable
The financial analysis of Lloyds Banking is a critical element in measuring its lifeblood. Investors should not minimize Lloyds Banking's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

2.77 Billion

  

Lloyds Banking Stock Summary

Lloyds Banking competes with Itau Unibanco, Grupo Financiero, Banco Macro, Banco Santander, and Banco Bradesco. Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom. Lloyds Banking Group plc was founded in 1695 and is based in London, the United Kingdom. Lloyds Banking is traded on New York Stock Exchange in the United States.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS5394391099
CUSIP539439109
LocationUnited Kingdom
Business Address25 Gresham Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.lloydsbankinggroup.com
Phone44 20 7626 1500
CurrencyUSD - US Dollar

Lloyds Banking Key Financial Ratios

Lloyds Banking Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets871.3B886.5B877.8B881.5B906.7B599.2B
Net Debt28.1B8.1B(7.1B)14.6B18.2B17.3B
Cash73.6B76.6B91.6B79.0B62.7B35.4B
Other Assets545.0B531.3B567.6B1.2B1.4B1.3B
Total Liab101.7B84.7B830.3B834.1B860.8B496.2B
Total Current Assets73.6B76.6B91.6B140.9B62.7B49.8B
Other Current Assets96.4B100.1B153.0B143.5B1.6B1.6B
Retained Earnings4.6B10.2B10.1B6.8B5.9B10.0B
Intangible Assets4.1B4.2B4.8B5.5B8.2B8.6B
Common Stock7.1B7.1B6.7B6.4B6.1B5.0B
Other Liab135.0B138.6B145.9B128.5B147.8B227.9B
Accounts Payable1.1B1.5B857M1.4B1.3B1.2B
Long Term Debt114.8B101.7B84.7B84.5B97.2B138.6B
Net Receivables320M959M510M854M768.6M1.1B
Other Current Liab40.0B22.1B(57.7B)5.4B(45M)(42.8M)
Net Tangible Assets41.5B42.7B46.4B39.8B35.9B44.0B
Short Term Debt51.1B58.3B56.2B39.1B35.2B25.9B
Long Term Debt Total114.8B101.7B84.7B85.9B77.3B78.8B
Capital Surpluse17.8B17.9B18.5B18.5B21.3B19.7B
Earning Assets212.6B242.3B257.3B318.5B366.3B273.1B

Lloyds Banking Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense3.6B3.9B3.7B14.8B19.0B20.0B
Operating Income1.2B6.8B10.5B11.1B17.6B9.2B
Ebit1.2B6.9B4.8B7.4B8.6B9.4B
Ebitda4.0B9.7B7.2B10.4B11.9B11.2B
Income Before Tax1.2B6.9B6.9B7.5B6.0B3.4B
Net Income1.3B5.8B5.5B5.5B4.4B2.8B
Income Tax Expense(161M)1.0B1.4B2.0B1.5B896.0M
Total Revenue15.1B16.3B18.2B18.4B17.6B20.6B
Gross Profit15.1B16.3B18.2B19.2B17.6B18.2B
Minority Interest229M(101M)(96M)(58M)(56M)(53.2M)
Tax Provision(161M)1.0B1.4B2.0B1.5B1.4B
Net Interest Income10.7B9.4B14.0B13.3B12.3B12.6B
Interest Income14.5B13.3B17.6B28.1B31.3B20.7B

Lloyds Banking Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash17.7B912M16.6B(7.0B)(18.0B)(17.1B)
Free Cash Flow24.3B3.4B18.2B1.4B(8.8B)(8.3B)
Depreciation2.7B2.8B2.4B2.9B1.3B1.7B
Other Non Cash Items6.1B2.4B(19.9B)1.3B5.9B6.2B
Capital Expenditures2.9B3.2B3.9B5.5B4.4B2.7B
Net Income1.2B6.9B6.9B7.5B4.4B3.5B
End Period Cash Flow75.5B76.4B95.8B88.8B70.8B51.3B
Dividends Paid453M877M1.5B1.7B2.3B1.5B
Investments(4B)(697M)510M(9.8B)(7.7B)(7.3B)
Net Borrowings(818M)(3.9B)(557M)(1.4B)(1.6B)(1.7B)
Change To Netincome13.1B6.0B3.6B(18.5B)(21.2B)(20.2B)

Lloyds Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Lloyds Banking's current stock value. Our valuation model uses many indicators to compare Lloyds Banking value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Lloyds Banking competition to find correlations between indicators driving Lloyds Banking's intrinsic value. More Info.
Lloyds Banking Group is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.05  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Lloyds Banking Group is roughly  19.20 . At this time, Lloyds Banking's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value Lloyds Banking by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Lloyds Banking Group Systematic Risk

Lloyds Banking's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Lloyds Banking volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Lloyds Banking Group correlated with the market. If Beta is less than 0 Lloyds Banking generally moves in the opposite direction as compared to the market. If Lloyds Banking Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Lloyds Banking Group is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Lloyds Banking is generally in the same direction as the market. If Beta > 1 Lloyds Banking moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Lloyds Banking Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Lloyds Banking's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Lloyds Banking growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.43)

At this time, Lloyds Banking's Price Earnings To Growth Ratio is most likely to slightly decrease in the upcoming years.

Lloyds Banking March 22, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Lloyds Banking help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Lloyds Banking Group. We use our internally-developed statistical techniques to arrive at the intrinsic value of Lloyds Banking Group based on widely used predictive technical indicators. In general, we focus on analyzing Lloyds Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Lloyds Banking's daily price indicators and compare them against related drivers.

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When running Lloyds Banking's price analysis, check to measure Lloyds Banking's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Lloyds Banking is operating at the current time. Most of Lloyds Banking's value examination focuses on studying past and present price action to predict the probability of Lloyds Banking's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Lloyds Banking's price. Additionally, you may evaluate how the addition of Lloyds Banking to your portfolios can decrease your overall portfolio volatility.
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