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Lloyds Banking Group PLC LLOY

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Stock XLON Rating as of
GBX 54.12 +0.18 (0.33%)
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Company Report

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Lloyds: The Strongest Banking Franchise in the UK

Niklas Kammer

Lloyds is a pure UK banking play, with 95% of its assets based domestically. Since its massive restructuring, which started in 2011, the bank has emerged as a low-risk domestic retail and commercial bank. It has shed about GBP 190 billion in runoff assets and GBP 200 billion in risk-weighted assets and has significantly reduced its dependence on wholesale funding. Today, Lloyds operates one of the strongest retail franchises in the United Kingdom.

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Price vs Fair Value

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LLOY is trading at a 732% premium.
Price
GBX 53.94
Fair Value
GBX 28.00
Uncertainty
Medium
1-Star Price
GBX 358.70
5-Star Price
GBX 74.90
Economic Moat
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Capital Allocation
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Bulls Say, Bears Say

Bulls

The bank’s business model is well-positioned for the challenges that the current economic outlook poses.

Bears

Its heavy reliance on net interest income makes Lloyds' performance more susceptible to interest-rate changes.

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Trading Information

Previous Close Price
GBX 53.94
Day Range
GBX 54.06–54.56
52-Week Range
GBX 39.42–54.64
Bid/Ask
GBX 54.10 / GBX 54.12
Market Cap
GBX 3.41 Tril
Volume/Avg
26.5 Mil / 200.9 Mil

Key Statistics

Price/Earnings (Normalized)
7.18
Price/Sales
1.84
Dividend Yield (Trailing)
5.12%
Dividend Yield (Forward)
5.12%
Total Yield
10.77%

Company Profile

Lloyds is a retail and commercial bank headquartered in the United Kingdom. The bank operates via three business segments: retail, commercial banking, and insurance and wealth. In retail, Lloyds offers primarily mortgages (66% of loan portfolio), credit cards, and current accounts to its customers. Its commercial banking operation provides lending, transaction banking, working capital management, and debt capital market services to large companies and financial institutions in the UK Insurance and wealth rounds out the product lineup with life and property insurance as well as pension solutions and high-net-worth asset-management services.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Large Value
Total Number of Employees
62,569
Website
https://www.lloydsbankinggroup.com

Competitors

Valuation

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Metric
LLOY
BCS
NWG
Price/Earnings (Normalized)
 7.185.905.73
Price/Book Value
 0.720.550.81
Price/Sales
 1.841.331.98
Price/Cash Flow
 3.191.634.20
Price/Earnings
LLOY
BCS
NWG

Financial Strength

Metric
LLOY
BCS
NWG
Quick Ratio
 ———
Current Ratio
 ———
Interest Coverage
 ———
Quick Ratio
No chart available

Profitability

Metric
LLOY
BCS
NWG
Return on Assets (Normalized)
 0.87%0.42%1.99%
Return on Equity (Normalized)
 16.66%11.47%42.62%
Return on Invested Capital (Normalized)
 ———
Return on Assets
LLOY
BCS
NWG
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LYG
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NWG
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