Lloyds Net Income vs Interest Expense Analysis

LLOY Stock   52.94  0.30  0.56%   
Lloyds Banking financial indicator trend analysis is infinitely more than just investigating Lloyds Banking Group recent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Lloyds Banking Group is a good investment. Please check the relationship between Lloyds Banking Net Income and its Interest Expense accounts. Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Lloyds Banking Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.

Net Income vs Interest Expense

Net Income vs Interest Expense Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Lloyds Banking Group Net Income account and Interest Expense. At this time, the significance of the direction appears to have significant contrarian relationship.
The correlation between Lloyds Banking's Net Income and Interest Expense is -0.42. Overlapping area represents the amount of variation of Net Income that can explain the historical movement of Interest Expense in the same time period over historical financial statements of Lloyds Banking Group, assuming nothing else is changed. The correlation between historical values of Lloyds Banking's Net Income and Interest Expense is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Net Income of Lloyds Banking Group are associated (or correlated) with its Interest Expense. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Interest Expense has no effect on the direction of Net Income i.e., Lloyds Banking's Net Income and Interest Expense go up and down completely randomly.

Correlation Coefficient

-0.42
Relationship DirectionNegative 
Relationship StrengthVery Weak

Net Income

Net income is one of the most important fundamental items in finance. It plays a large role in Lloyds Banking Group financial statement analysis. It represents the amount of money remaining after all of Lloyds Banking Group operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue.

Interest Expense

The cost incurred by an entity for borrowed funds, including loans, bonds, or lines of credit.
Most indicators from Lloyds Banking's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Lloyds Banking Group current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Lloyds Banking Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.
Selling General Administrative is likely to drop to about 226.6 M in 2024. Tax Provision is likely to drop to about 1.4 B in 2024
 2021 2022 2023 2024 (projected)
Operating Income6.8B10.5B11.1B9.9B
Other Operating Expenses10.8B9.7B7.4B9.1B

Lloyds Banking fundamental ratios Correlations

0.710.930.510.460.690.92-0.280.980.70.920.330.540.710.840.82-0.120.070.950.610.950.750.080.92-0.22-0.17
0.710.580.440.880.30.59-0.460.760.310.630.40.290.310.540.37-0.23-0.070.580.220.650.690.030.85-0.480.32
0.930.580.710.290.610.87-0.210.910.610.960.350.730.620.930.750.07-0.060.950.590.960.520.320.82-0.13-0.26
0.510.440.710.180.180.43-0.240.540.170.710.30.850.130.840.260.3-0.520.660.210.680.050.60.52-0.130.08
0.460.880.290.18-0.090.33-0.660.54-0.070.370.420.020.270.220.02-0.24-0.080.29-0.130.390.660.090.58-0.530.32
0.690.30.610.18-0.090.680.230.611.00.540.070.340.570.530.92-0.010.370.660.80.590.39-0.270.66-0.01-0.37
0.920.590.870.430.330.68-0.050.830.690.780.130.570.630.820.81-0.160.120.890.710.820.61-0.070.86-0.03-0.18
-0.28-0.46-0.21-0.24-0.660.23-0.05-0.40.23-0.36-0.75-0.1-0.44-0.120.09-0.010.13-0.220.5-0.34-0.56-0.59-0.230.560.02
0.980.760.910.540.540.610.83-0.40.620.950.410.490.70.810.73-0.1-0.010.930.480.960.790.180.89-0.35-0.13
0.70.310.610.17-0.071.00.690.230.620.540.080.340.580.530.92-0.020.380.660.80.590.4-0.280.67-0.01-0.37
0.920.630.960.710.370.540.78-0.360.950.540.380.660.610.880.670.01-0.180.930.430.990.620.360.79-0.31-0.15
0.330.40.350.30.420.070.13-0.750.410.080.380.170.440.210.210.110.240.26-0.190.340.350.580.3-0.25-0.2
0.540.290.730.850.020.340.57-0.10.490.340.660.170.30.790.450.32-0.380.680.370.660.050.440.530.01-0.18
0.710.310.620.130.270.570.63-0.440.70.580.610.440.30.440.66-0.030.320.670.340.640.630.190.57-0.22-0.67
0.840.540.930.840.220.530.82-0.120.810.530.880.210.790.440.640.11-0.260.940.590.890.380.320.78-0.04-0.1
0.820.370.750.260.020.920.810.090.730.920.670.210.450.660.64-0.040.410.770.810.70.48-0.20.750.13-0.34
-0.12-0.230.070.3-0.24-0.01-0.16-0.01-0.1-0.020.010.110.32-0.030.11-0.04-0.060.010.13-0.01-0.360.35-0.110.3-0.3
0.07-0.07-0.06-0.52-0.080.370.120.13-0.010.38-0.180.24-0.380.32-0.260.41-0.06-0.090.36-0.170.09-0.420.090.36-0.33
0.950.580.950.660.290.660.89-0.220.930.660.930.260.680.670.940.770.01-0.090.620.950.610.230.85-0.13-0.22
0.610.220.590.21-0.130.80.710.50.480.80.43-0.190.370.340.590.810.130.360.620.470.16-0.390.630.43-0.25
0.950.650.960.680.390.590.82-0.340.960.590.990.340.660.640.890.7-0.01-0.170.950.470.650.310.83-0.33-0.17
0.750.690.520.050.660.390.61-0.560.790.40.620.350.050.630.380.48-0.360.090.610.160.650.00.66-0.54-0.01
0.080.030.320.60.09-0.27-0.07-0.590.18-0.280.360.580.440.190.32-0.20.35-0.420.23-0.390.310.0-0.04-0.28-0.26
0.920.850.820.520.580.660.86-0.230.890.670.790.30.530.570.780.75-0.110.090.850.630.830.66-0.04-0.210.01
-0.22-0.48-0.13-0.13-0.53-0.01-0.030.56-0.35-0.01-0.31-0.250.01-0.22-0.040.130.30.36-0.130.43-0.33-0.54-0.28-0.21-0.08
-0.170.32-0.260.080.32-0.37-0.180.02-0.13-0.37-0.15-0.2-0.18-0.67-0.1-0.34-0.3-0.33-0.22-0.25-0.17-0.01-0.260.01-0.08
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Lloyds Banking Account Relationship Matchups

Lloyds Banking fundamental ratios Accounts

201920202021202220232024 (projected)
Total Assets833.9B871.3B881.3B877.8B881.5B637.8B
Short Long Term Debt Total165.7B101.7B84.7B84.5B93.7B95.7B
Total Stockholder Equity47.6B49.2B51.0B47.3B47.2B31.4B
Property Plant And Equipment Net13.1B8.4B8.0B8.1B9.7B7.2B
Net Debt59.4B33.5B7.4B(7.1B)13.0B12.4B
Cash55.4B73.6B76.4B91.6B79.0B83.0B
Non Current Assets Total236.7B252.8B278.6B218.6B287.0B163.6B
Non Currrent Assets Other(2.7B)(2.7B)(3.1B)(41.0B)(5.2B)(5.4B)
Other Assets541.7B545.0B531.3B567.6B515.4B432.7B
Cash And Short Term Investments55.4B73.6B76.6B91.6B79.0B83.0B
Common Stock Shares Outstanding71.3B70.8B71.0B69.7B63.6B56.8B
Liabilities And Stockholders Equity833.9B871.3B886.5B877.8B881.5B638.0B
Non Current Liabilities Total114.8B101.7B84.7B830.3B93.7B89.0B
Other Stockholder Equity31.4B31.5B31.5B18.5B34.0B17.3B
Total Liab114.8B821.9B830.0B830.3B834.1B580.5B
Property Plant And Equipment Gross9.6B8.4B8.0B8.1B9.7B6.4B
Total Current Assets55.4B73.6B76.6B91.6B79.0B52.3B
Other Current Assets74.1B96.4B100.1B153.0B204.5B198.8B
Retained Earnings3.2B4.6B8.3B10.1B6.8B5.6B
Common Stock Total Equity7.2B7.1B7.0B7.1B8.1B5.5B
Intangible Assets3.8B4.1B4.4B4.8B5.5B3.2B
Common Stock7.0B7.1B7.1B6.7B6.4B5.4B
Other Liab135.0B138.6B145.9B128.5B147.8B130.9B
Accounts Payable425.5B1.1B1.5B857M1.4B1.4B
Long Term Debt90.4B108.8B114.8B101.7B116.9B85.2B
Short Term Investments(40.8B)55.6B(41.9B)(35.8B)(32.2B)(30.6B)
Property Plant Equipment9.6B8.4B8.0B8.1B9.3B8.2B
Accumulated Other Comprehensive Income5.9B6.0B4.0B(547M)1.4B1.4B
Other Current Liab19.5B40.0B22.1B(8M)39M37.1M
Net Receivables320M959M510M854M768.6M620.1M
Total Current Liabilities71.6B92.6B81.3B76.2B39.1B37.2B
Net Tangible Assets41.5B42.7B46.4B39.8B45.8B46.6B
Deferred Long Term Liab83M74M64M54M48.6M72M
Long Term Investments194.0B206.1B264.0B203.0B269.0B219.1B
Short Term Debt50.9B51.1B58.3B56.2B39.1B36.2B
Capital Surpluse17.6B17.7B17.8B17.9B20.5B19.4B

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