Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom and internationally. More Details
Excellent balance sheet with proven track record.
Share Price & News
How has Lloyds Banking Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: LLOY is less volatile than 75% of UK stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: LLOY's weekly volatility (3%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: LLOY exceeded the UK Banks industry which returned 38.6% over the past year.
Return vs Market: LLOY exceeded the UK Market which returned 22% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Lloyds Banking Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StThis Insider Has Just Sold Shares In Lloyds Banking Group plc (LON:LLOY)
1 month ago | Simply Wall StWhat Type Of Shareholders Make Up Lloyds Banking Group plc's (LON:LLOY) Share Registry?
Is Lloyds Banking Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: LLOY (£0.48) is trading below our estimate of fair value (£0.76)
Significantly Below Fair Value: LLOY is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: LLOY is poor value based on its PE Ratio (17.7x) compared to the UK Banks industry average (12.4x).
PE vs Market: LLOY is good value based on its PE Ratio (17.7x) compared to the UK market (25.9x).
Price to Earnings Growth Ratio
PEG Ratio: LLOY's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: LLOY's PB Ratio (0.7x) is in line with the GB Banks industry average.
How is Lloyds Banking Group forecast to perform in the next 1 to 3 years based on estimates from 15 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: LLOY's earnings are forecast to decline over the next 3 years (-0.4% per year).
Earnings vs Market: LLOY's earnings are forecast to decline over the next 3 years (-0.4% per year).
High Growth Earnings: LLOY's earnings are forecast to decline over the next 3 years.
Revenue vs Market: LLOY's revenue (2.4% per year) is forecast to grow slower than the UK market (5% per year).
High Growth Revenue: LLOY's revenue (2.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: LLOY's Return on Equity is forecast to be low in 3 years time (8.5%).
How has Lloyds Banking Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: LLOY has high quality earnings.
Growing Profit Margin: LLOY's current net profit margins (14.2%) are higher than last year (11.1%).
Past Earnings Growth Analysis
Earnings Trend: LLOY's earnings have grown by 0.5% per year over the past 5 years.
Accelerating Growth: LLOY's earnings growth over the past year (2.5%) exceeds its 5-year average (0.5% per year).
Earnings vs Industry: LLOY earnings growth over the past year (2.5%) underperformed the Banks industry 8%.
Return on Equity
High ROE: LLOY's Return on Equity (4.7%) is considered low.
How is Lloyds Banking Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: LLOY's Assets to Equity ratio (17.6x) is moderate.
Allowance for Bad Loans: LLOY has a low allowance for bad loans (64%).
Low Risk Liabilities: 56% of LLOY's liabilities are made up of primarily low risk sources of funding.
Loan Level: LLOY has an appropriate level of Loans to Assets ratio (51%).
Low Risk Deposits: LLOY's Loans to Deposits ratio (96%) is appropriate.
Level of Bad Loans: LLOY has an appropriate level of bad loans (2%).
What is Lloyds Banking Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: LLOY's dividend (1.19%) isn’t notable compared to the bottom 25% of dividend payers in the UK market (1.28%).
High Dividend: LLOY's dividend (1.19%) is low compared to the top 25% of dividend payers in the UK market (4.01%).
Stability and Growth of Payments
Stable Dividend: LLOY has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: LLOY has only been paying a dividend for 6 years, and since then payments have fallen.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (21.1%), LLOY's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: LLOY's dividends in 3 years are forecast to be well covered by earnings (48.4% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
William Leon Chalmers (52 yo)
Mr. William Leon David Chalmers serves as Executive Director at Lloyds Bank Plc and Lloyds Banking Group since August 01, 2019 and serves as Chief Financial Officer since 2020. He serves as Acting Group Ch...
CEO Compensation Analysis
Compensation vs Market: William Leon's total compensation ($USD2.08M) is below average for companies of similar size in the UK market ($USD3.52M).
Compensation vs Earnings: William Leon's compensation has been consistent with company performance over the past year.
Experienced Management: LLOY's management team is seasoned and experienced (6.4 years average tenure).
Experienced Board: LLOY's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: LLOY insiders have sold more shares than they have bought in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Lloyds Banking Group plc's company bio, employee growth, exchange listings and data sources
- Name: Lloyds Banking Group plc
- Ticker: LLOY
- Exchange: LSE
- Founded: 1695
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: UK£34.029b
- Shares outstanding: 70.95b
- Website: https://www.lloydsbankinggroup.com
Number of Employees
- Lloyds Banking Group plc
- 25 Gresham Street
- Greater London
- EC2V 7HN
- United Kingdom
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom and internationally. It operates through three segments: Retail; Commercia...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/06/14 21:13|
|End of Day Share Price||2021/06/14 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.