/LYG
Lloyds Banking Group plc
LYG • NYSELYG • NYSE • Financial Services
$5.19-1.14%-0.06
$5.19-1.14%(-0.06)Financial Services
GoAI Score
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Valuation
50Fair Value
Sentiment
0Bearish
Risk
83Low Risk
Momentum
51Neutral
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
29.9%▼19.6pp
Revenue after COGS
Operating
10.2%▼5.6pp
After operating expenses
Net
7.2%▼4.6pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
12.6
Price vs earnings
EV/EBITDA
13.6
Enterprise value
FCF Yield
-1.1%
Cash generation
Earnings Yield
7.9%
Inverse of P/E
Capital Efficiency
4
GoAI Quality ScoreWeak
ROEReturn on Equity
11.1%Fair
ROAReturn on Assets
0.5%Fair
ROICReturn on Invested Capital
0.5%Fair
Financial Health
Current RatioWeak
0.94
Short-term solvency (>1.5)
Net Debt / EBITDAHigh
4.73x
Debt repayment capacity (<3x)
Income QualityStrong
1.06
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $65.00B | $37.61B | $33.95B | $20.77B | $18.71B |
| Gross Profit | $19.42B | $18.60B | $19.20B | $16.05B | $16.32B |
| Gross Margin | 29.9% | 49.5% | 56.5% | 77.3% | 87.2% |
| Operating Income | $6.66B | $5.97B | $7.50B | $4.78B | $6.90B |
| Net Income | $4.66B | $4.42B | $5.46B | $3.83B | $5.78B |
| Net Margin | 7.2% | 11.8% | 16.1% | 18.4% | 30.9% |
| EPS | $0.27 | $0.25 | $0.30 | $0.20 | $0.30 |
Average Price Target
$2.75▼ 47.0% Downside
Past 12 Months
12 Month Forecast
Based on 50 Wall Street analysts offering 12 month price targets for Lloyds Banking Group plc, the average price target is $2.75, with a high forecast of $2.75 and a low forecast of $2.75. The average price target represents a 47.0% decrease from the current price of $5.19.
Highest
$2.75
Average
$2.75
Lowest
$2.75
Rating Distribution
Strong Buy
0
0%
Buy
12
50%
Hold
10
42%
Sell
2
8%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
Keefe, Bruyette & Woods▼ Downgrade
Outperform→Market Perform
2025-03-11Citigroup▼ Downgrade
Buy→Neutral
2024-08-05UBS▼ Downgrade
Buy→Neutral
2024-07-30B of A Securities▲ Upgrade
Neutral→Buy
2024-03-21Morgan Stanley▼ Downgrade
Overweight→Equal Weight
2022-10-17Morgan Stanley▼ Downgrade
Overweight→Equal Weight
2022-10-16Barclays▼ Downgrade
Overweight→Equal Weight
2022-04-05Barclays▼ Downgrade
Overweight→Equal Weight
2022-04-04RBC Capital▼ Downgrade
Outperform→Underperform
2022-03-30RBC Capital▼ Downgrade
Outperform→Underperform
2022-03-29Earnings History & Surprises
BEAT RATE
65%
Last 17 quarters
AVG SURPRISE
+6.9%
EPS vs Estimate
BEATS / MISSES
11/4
2 met exactly
LATEST EPS
$0.12
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
+9.1%
$0.12 vs $0.11
Q4 '25
-58.3%
$0.05 vs $0.12
Q3 '25
+40.0%
$0.14 vs $0.10
Q2 '25
+37.5%
$0.11 vs $0.08
Q1 '25
-37.5%
$0.05 vs $0.08
Q4 '24
+13.4%
$0.10 vs $0.09
Q3 '24
+34.6%
$0.09 vs $0.07
Q2 '24
+12.0%
$0.09 vs $0.08
Q1 '24
+26.3%
$0.11 vs $0.09
Q4 '23
+11.4%
$0.10 vs $0.09
Q3 '23
-11.1%
$0.08 vs $0.09
Q2 '23
+6.6%
$0.11 vs $0.10
No investor questions available.
Latest News
No news available