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Lloyds Banking Group plc
Buy, Hold or Sell?

Let's analyse Lloyds Banking Group plc together

PenkeI guess you are interested in Lloyds Banking Group plc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Lloyds Banking Group plc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Lloyds Banking Group plc (30 sec.)










What can you expect buying and holding a share of Lloyds Banking Group plc? (30 sec.)

How much money do you get?

How much money do you get?
€0.11
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
€14.02
Expected worth in 1 year
€66.93
How sure are you?
75.0%

+ What do you gain per year?

Total Gains per Share
€53.01
Return On Investment
8,092.4%

For what price can you sell your share?

Current Price per Share
€0.66
Expected price per share
€0.61 - €
How sure are you?
50%

1. Valuation of Lloyds Banking Group plc (5 min.)




Live pricePrice per Share (EOD)

€0.66

Intrinsic Value Per Share

€-3.40 - €3.33

Total Value Per Share

€10.62 - €17.35

2. Growth of Lloyds Banking Group plc (5 min.)




Is Lloyds Banking Group plc growing?

Current yearPrevious yearGrowGrow %
How rich?$1t$60.4b$940.9b94.0%

How much money is Lloyds Banking Group plc making?

Current yearPrevious yearGrowGrow %
Making money$6.9b$4.8b$2b29.9%
Net Profit Margin28.4%16,639.1%--

How much money comes from the company's main activities?

3. Financial Health of Lloyds Banking Group plc (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Lloyds Banking Group plc? (5 min.)

Welcome investor! Lloyds Banking Group plc's management wants to use your money to grow the business. In return you get a share of Lloyds Banking Group plc.

What can you expect buying and holding a share of Lloyds Banking Group plc?

First you should know what it really means to hold a share of Lloyds Banking Group plc. And how you can make/lose money.

Speculation

The Price per Share of Lloyds Banking Group plc is €0.655. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Lloyds Banking Group plc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Lloyds Banking Group plc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is €14.02. Based on the TTM, the Book Value Change Per Share is €13.23 per quarter. Based on the YOY, the Book Value Change Per Share is €-12.28 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is €0.03 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Lloyds Banking Group plc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 % of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share
Usd Eps0.1116.1%0.1116.1%0.0914.0%0.0710.7%0.069.7%
Usd Book Value Change Per Share14.362,192.5%14.362,192.5%-13.33-2,035.5%2.87438.0%0.91138.6%
Usd Dividend Per Share0.034.2%0.034.2%0.023.5%0.023.2%0.023.8%
Usd Total Gains Per Share14.392,196.7%14.392,196.7%-13.31-2,032.0%2.89441.2%0.93142.4%
Usd Price Per Share0.60-0.60-0.60-0.62-0.82-
Price to Earnings Ratio5.70-5.70-6.58-13.24-22.79-
Price-to-Total Gains Ratio0.04-0.04--0.05-0.37-2.11-
Price to Book Ratio0.04-0.04-0.70-0.17-1.20-
Price-to-Total Gains Ratio0.04-0.04--0.05-0.37-2.11-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.711199
Number of shares1406
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.030.02
Usd Book Value Change Per Share14.362.87
Usd Total Gains Per Share14.392.89
Gains per Quarter (1406 shares)20,229.984,063.55
Gains per Year (1406 shares)80,919.9416,254.20
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
115380767809101191613516244
23071615331618302383227132498
34602423002427503564840648752
46133230673236704756454265006
57674038334045905948067781260
69204846004855107139681297514
71073565366566430832112948113768
81227646133647350950129083130022
913807269007282701069145218146276
1015338076668091901188161354162530

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%16.00.00.0100.0%31.04.00.088.6%
Book Value Change Per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%12.04.00.075.0%26.09.00.074.3%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%16.00.00.0100.0%27.00.08.077.1%
Total Gains per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%12.04.00.075.0%26.09.00.074.3%

Fundamentals of Lloyds Banking Group plc

About Lloyds Banking Group plc

Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom and internationally. It operates in three segments: Retail; Commercial Banking; and Insurance, Pensions and Investments. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, motor finance, unsecured loans, leasing solutions, and credit cards to personal customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, and debt financing services to small and medium-sized entities, corporates, and institutions. The Insurance, Pensions, and Investments segment offers insurance, investment, and pension management products and services. It also provides digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, Schroders Personal Wealth, Black Horse, Lex Autolease, Birmingham Midshires, LDC, AMC, Embark Group, Citra, IWeb, Cavendish Online, and Tusker brand names. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.

Fundamental data was last updated by Penke on 2024-05-19 05:31:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is just able to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is underpriced.

1.1. Profitability of Lloyds Banking Group plc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Lloyds Banking Group plc earns for each €1 of revenue.

  • Above 10% is considered healthy but always compare Lloyds Banking Group plc to the Banks - Regional industry mean.
  • A Net Profit Margin of 28.4% means that €0.28 for each €1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Lloyds Banking Group plc:

  • The MRQ is 28.4%. The company is making a huge profit. +2
  • The TTM is 28.4%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ28.4%TTM28.4%0.0%
TTM28.4%YOY16,639.1%-16,610.7%
TTM28.4%5Y3,345.5%-3,317.1%
5Y3,345.5%10Y1,057.1%+2,288.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ28.4%38.5%-10.1%
TTM28.4%29.6%-1.2%
YOY16,639.1%26.3%+16,612.8%
5Y3,345.5%23.6%+3,321.9%
10Y1,057.1%20.4%+1,036.7%
1.1.2. Return on Assets

Shows how efficient Lloyds Banking Group plc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Lloyds Banking Group plc to the Banks - Regional industry mean.
  • 0.6% Return on Assets means that Lloyds Banking Group plc generated €0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Lloyds Banking Group plc:

  • The MRQ is 0.6%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.6%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.6%TTM0.6%0.0%
TTM0.6%YOY0.4%+0.2%
TTM0.6%5Y0.4%+0.2%
5Y0.4%10Y1.6%-1.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6%0.3%+0.3%
TTM0.6%0.2%+0.4%
YOY0.4%0.2%+0.2%
5Y0.4%0.2%+0.2%
10Y1.6%0.2%+1.4%
1.1.3. Return on Equity

Shows how efficient Lloyds Banking Group plc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Lloyds Banking Group plc to the Banks - Regional industry mean.
  • 11.6% Return on Equity means Lloyds Banking Group plc generated €0.12 for each €1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Lloyds Banking Group plc:

  • The MRQ is 11.6%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 11.6%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ11.6%TTM11.6%0.0%
TTM11.6%YOY8.1%+3.5%
TTM11.6%5Y7.9%+3.7%
5Y7.9%10Y10.8%-2.9%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ11.6%3.1%+8.5%
TTM11.6%2.5%+9.1%
YOY8.1%2.7%+5.4%
5Y7.9%2.5%+5.4%
10Y10.8%2.8%+8.0%

1.2. Operating Efficiency of Lloyds Banking Group plc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Lloyds Banking Group plc is operating .

  • Measures how much profit Lloyds Banking Group plc makes for each €1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Lloyds Banking Group plc to the Banks - Regional industry mean.
  • An Operating Margin of 38.7% means the company generated €0.39  for each €1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Lloyds Banking Group plc:

  • The MRQ is 38.7%. The company is operating very efficient. +2
  • The TTM is 38.7%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ38.7%TTM38.7%0.0%
TTM38.7%YOY45,739.1%-45,700.4%
TTM38.7%5Y9,170.1%-9,131.4%
5Y9,170.1%10Y2,885.9%+6,284.3%
1.2.2. Operating Ratio

Measures how efficient Lloyds Banking Group plc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.56 means that the operating costs are €0.56 for each €1 in net sales.

Let's take a look of the Operating Ratio trends of Lloyds Banking Group plc:

  • The MRQ is 0.563. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.563. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.563TTM0.5630.000
TTM0.563YOY423.000-422.437
TTM0.5635Y85.102-84.539
5Y85.10210Y27.019+58.083

1.3. Liquidity of Lloyds Banking Group plc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Lloyds Banking Group plc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.00 means the company has €0.00 in assets for each €1 in short-term debts.

Let's take a look of the Current Ratio trends of Lloyds Banking Group plc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.143-0.143
TTM-5Y0.097-0.097
5Y0.09710Y0.560-0.462
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM-0.124-0.124
YOY0.1430.167-0.024
5Y0.0970.207-0.110
10Y0.5600.131+0.429
1.3.2. Quick Ratio

Measures if Lloyds Banking Group plc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Lloyds Banking Group plc to the Banks - Regional industry mean.
  • A Quick Ratio of 0.00 means the company can pay off €0.00 for each €1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Lloyds Banking Group plc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.088-0.088
TTM-5Y0.094-0.094
5Y0.09410Y0.230-0.136

1.4. Solvency of Lloyds Banking Group plc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Lloyds Banking Group plc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Lloyds Banking Group plc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.11 means that Lloyds Banking Group plc assets are financed with 10.6% credit (debt) and the remaining percentage (100% - 10.6%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Lloyds Banking Group plc:

  • The MRQ is 0.106. The company is very able to pay all its debts by selling its assets. +2
  • The TTM is 0.106. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.106TTM0.1060.000
TTM0.106YOY0.946-0.840
TTM0.1065Y0.280-0.174
5Y0.28010Y0.698-0.417
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1060.915-0.809
TTM0.1060.916-0.810
YOY0.9460.918+0.028
5Y0.2800.919-0.639
10Y0.6980.926-0.228
1.4.2. Debt to Equity Ratio

Measures if Lloyds Banking Group plc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Lloyds Banking Group plc to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 198.6% means that company has €1.99 debt for each €1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Lloyds Banking Group plc:

  • The MRQ is 1.986. The company is just able to pay all its debts with equity.
  • The TTM is 1.986. The company is just able to pay all its debts with equity.
Trends
Current periodCompared to+/- 
MRQ1.986TTM1.9860.000
TTM1.986YOY17.563-15.577
TTM1.9865Y5.125-3.139
5Y5.12510Y9.979-4.853
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.98610.799-8.813
TTM1.98610.909-8.923
YOY17.56311.266+6.297
5Y5.12511.324-6.199
10Y9.97912.886-2.907

2. Market Valuation of Lloyds Banking Group plc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every €1 in earnings Lloyds Banking Group plc generates.

  • Above 15 is considered overpriced but always compare Lloyds Banking Group plc to the Banks - Regional industry mean.
  • A PE ratio of 5.70 means the investor is paying €5.70 for every €1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Lloyds Banking Group plc:

  • The EOD is 6.739. Based on the earnings, the company is cheap. +2
  • The MRQ is 5.699. Based on the earnings, the company is cheap. +2
  • The TTM is 5.699. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD6.739MRQ5.699+1.039
MRQ5.699TTM5.6990.000
TTM5.699YOY6.579-0.880
TTM5.6995Y13.243-7.543
5Y13.24310Y22.787-9.545
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD6.7393.756+2.983
MRQ5.6993.418+2.281
TTM5.6994.741+0.958
YOY6.5796.901-0.322
5Y13.2439.496+3.747
10Y22.7879.770+13.017
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Lloyds Banking Group plc:

  • The EOD is 31.788. Based on how much money comes from the company's main activities, the company is fair priced.
  • The MRQ is 26.886. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The TTM is 26.886. Based on how much money comes from the company's main activities, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD31.788MRQ26.886+4.902
MRQ26.886TTM26.8860.000
TTM26.886YOY2.130+24.756
TTM26.8865Y9.828+17.058
5Y9.82810Y1.441+8.387
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD31.788-2.594+34.382
MRQ26.886-2.360+29.246
TTM26.886-1.072+27.958
YOY2.1306.461-4.331
5Y9.8280.248+9.580
10Y1.4410.032+1.409
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Lloyds Banking Group plc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.04 means the investor is paying €0.04 for each €1 in book value.

Let's take a look of the Price to Book Ratio trends of Lloyds Banking Group plc:

  • The EOD is 0.047. Based on the equity, the company is cheap. +2
  • The MRQ is 0.040. Based on the equity, the company is cheap. +2
  • The TTM is 0.040. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.047MRQ0.040+0.007
MRQ0.040TTM0.0400.000
TTM0.040YOY0.695-0.656
TTM0.0405Y0.175-0.135
5Y0.17510Y1.199-1.024
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.0470.462-0.415
MRQ0.0400.420-0.380
TTM0.0400.439-0.399
YOY0.6950.594+0.101
5Y0.1750.763-0.588
10Y1.1990.991+0.208
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Lloyds Banking Group plc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--13.22613.2260%-12.279+193%2.642+401%0.836+1482%
Book Value Per Share--14.02514.0250%0.798+1657%10.471+34%3.681+281%
Current Ratio----0%0.143-100%0.097-100%0.560-100%
Debt To Asset Ratio--0.1060.1060%0.946-89%0.280-62%0.698-85%
Debt To Equity Ratio--1.9861.9860%17.563-89%5.125-61%9.979-80%
Dividend Per Share--0.0250.0250%0.021+19%0.019+29%0.023+10%
Eps--0.0970.0970%0.084+15%0.065+50%0.059+65%
Free Cash Flow Per Share--0.0210.0210%0.261-92%0.156-87%0.073-72%
Free Cash Flow To Equity Per Share---0.033-0.0330%0.166-120%0.084-139%-0.005-84%
Gross Profit Margin--1.0001.0000%0.956+5%0.946+6%0.938+7%
Intrinsic Value_10Y_max--3.328--------
Intrinsic Value_10Y_min---3.403--------
Intrinsic Value_1Y_max--0.195--------
Intrinsic Value_1Y_min---0.031--------
Intrinsic Value_3Y_max--0.690--------
Intrinsic Value_3Y_min---0.363--------
Intrinsic Value_5Y_max--1.314--------
Intrinsic Value_5Y_min---0.987--------
Market Cap41272269598.720+12%36431040000.00036431040000.0000%38673510000.000-6%39716471760.000-8%54157377762.500-33%
Net Profit Margin--0.2840.2840%166.391-100%33.455-99%10.571-97%
Operating Margin--0.3870.3870%457.391-100%91.701-100%28.859-99%
Operating Ratio--0.5630.5630%423.000-100%85.102-99%27.019-98%
Pb Ratio0.047+15%0.0400.0400%0.695-94%0.175-77%1.199-97%
Pe Ratio6.739+15%5.6995.6990%6.579-13%13.243-57%22.787-75%
Price Per Share0.655+15%0.5540.5540%0.5550%0.567-2%0.755-27%
Price To Free Cash Flow Ratio31.788+15%26.88626.8860%2.130+1162%9.828+174%1.441+1765%
Price To Total Gains Ratio0.049+15%0.0420.0420%-0.045+208%0.369-89%2.107-98%
Quick Ratio----0%0.088-100%0.094-100%0.230-100%
Return On Assets--0.0060.0060%0.004+42%0.004+40%0.016-62%
Return On Equity--0.1160.1160%0.081+43%0.079+47%0.108+7%
Total Gains Per Share--13.25113.2510%-12.258+193%2.662+398%0.859+1443%
Usd Book Value--1001389798877.1001001389798877.1000%60406131917.260+1558%794683907705.472+26%280423480518.534+257%
Usd Book Value Change Per Share--14.36114.3610%-13.332+193%2.869+401%0.908+1482%
Usd Book Value Per Share--15.22815.2280%0.867+1657%11.369+34%3.997+281%
Usd Dividend Per Share--0.0270.0270%0.023+19%0.021+29%0.025+10%
Usd Eps--0.1060.1060%0.092+15%0.070+50%0.064+65%
Usd Free Cash Flow--1471259000.0001471259000.0000%19713784800.000-93%11946623080.000-88%3509984225.000-58%
Usd Free Cash Flow Per Share--0.0220.0220%0.283-92%0.169-87%0.080-72%
Usd Free Cash Flow To Equity Per Share---0.035-0.0350%0.180-120%0.091-139%-0.006-84%
Usd Market Cap44813430330.290+12%39556823232.00039556823232.0000%41991697158.000-6%43124145037.008-8%58804080774.523-33%
Usd Price Per Share0.711+15%0.6020.6020%0.6030%0.616-2%0.820-27%
Usd Profit--6940457487.6006940457487.6000%4864675971.620+43%4910183000.568+41%4702366509.084+48%
Usd Revenue--24425071542.90024425071542.9000%29236359.380+83443%17543341003.272+39%26742847490.053-9%
Usd Total Gains Per Share--14.38814.3880%-13.309+193%2.890+398%0.932+1443%
 EOD+4 -4MRQTTM+0 -0YOY+23 -135Y+22 -1410Y+20 -16

3.2. Fundamental Score

Let's check the fundamental score of Lloyds Banking Group plc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-156.739
Price to Book Ratio (EOD)Between0-10.047
Net Profit Margin (MRQ)Greater than00.284
Operating Margin (MRQ)Greater than00.387
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.106
Debt to Equity Ratio (MRQ)Less than11.986
Return on Equity (MRQ)Greater than0.150.116
Return on Assets (MRQ)Greater than0.050.006
Total5/10 (50.0%)

3.3. Technical Score

Let's check the technical score of Lloyds Banking Group plc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5067.152
Ma 20Greater thanMa 500.626
Ma 50Greater thanMa 1000.601
Ma 100Greater thanMa 2000.552
OpenGreater thanClose0.670
Total5/5 (100.0%)



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in GBP. All numbers in thousands.

Summary
Total Assets881,453,000
Total Liabilities93,668,000
Total Stockholder Equity47,164,000
 As reported
Total Liabilities 93,668,000
Total Stockholder Equity+ 47,164,000
Total Assets = 881,453,000

Assets

Total Assets881,453,000
Total Current Assets79,022,000
Long-term Assets286,996,000
Total Current Assets
Cash And Cash Equivalents 79,022,000
Total Current Assets  (as reported)79,022,000
Total Current Assets  (calculated)79,022,000
+/-0
Long-term Assets
Property Plant Equipment 9,668,000
Goodwill 2,798,000
Long Term Investments 269,022,000
Intangible Assets 5,508,000
Long-term Assets Other -286,996,000
Long-term Assets  (as reported)286,996,000
Long-term Assets  (calculated)0
+/- 286,996,000

Liabilities & Shareholders' Equity

Total Current Liabilities-
Long-term Liabilities93,668,000
Total Stockholder Equity47,164,000
Total Current Liabilities
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)93,668,000
Long-term Liabilities  (calculated)0
+/- 93,668,000
Total Stockholder Equity
Common Stock6,358,000
Retained Earnings 6,790,000
Accumulated Other Comprehensive Income 15,448,000
Other Stockholders Equity 18,568,000
Total Stockholder Equity (as reported)47,164,000
Total Stockholder Equity (calculated)47,164,000
+/-0
Other
Capital Stock6,358,000
Cash and Short Term Investments 79,022,000
Common Stock Shares Outstanding 65,760,000
Liabilities and Stockholders Equity 881,453,000
Net Debt 14,646,000
Net Invested Capital 139,200,000
Property Plant and Equipment Gross 9,668,000
Short Long Term Debt Total 93,668,000



Balance Sheet

Currency in GBP. All numbers in thousands.

 Trend2023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312017-10-312017-03-312016-12-312016-10-312016-03-312015-12-312015-10-312015-03-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-312005-12-312004-12-312003-12-312002-12-312001-12-312000-12-311999-12-311998-12-311997-12-311996-12-311995-12-31
> Total Assets 
148,047,000
147,367,000
158,106,000
167,997,000
299,098,000
219,113,000
237,059,447
252,758,000
251,685,280
279,717,460
309,682,729
343,598,000
353,346,000
436,033,000
1,027,255,000
992,438,000
970,546,000
924,552,000
847,030,000
854,896,000
81,781,000
490,603,000
806,688,000
84,707,000
513,289,000
817,793,000
82,330,000
550,446,000
812,109,000
797,598,000
833,893,000
871,269,000
886,525,000
877,829,000
881,453,000
881,453,000877,829,000886,525,000871,269,000833,893,000797,598,000812,109,000550,446,00082,330,000817,793,000513,289,00084,707,000806,688,000490,603,00081,781,000854,896,000847,030,000924,552,000970,546,000992,438,0001,027,255,000436,033,000353,346,000343,598,000309,682,729279,717,460251,685,280252,758,000237,059,447219,113,000299,098,000167,997,000158,106,000147,367,000148,047,000
   > Total Current Assets 
0
0
0
166,147,000
297,199,000
213,477,000
231,115,205
155,430,000
216,630,960
247,931,705
242,610,472
244,393,000
261,234,000
300,960,000
751,338,000
707,289,000
704,951,000
679,453,000
643,368,000
633,644,000
8,953,000
0
600,309,000
9,072,000
0
590,675,000
16,974,000
0
595,008,000
612,019,000
55,443,000
73,556,000
76,567,000
91,630,000
79,022,000
79,022,00091,630,00076,567,00073,556,00055,443,000612,019,000595,008,000016,974,000590,675,00009,072,000600,309,00008,953,000633,644,000643,368,000679,453,000704,951,000707,289,000751,338,000300,960,000261,234,000244,393,000242,610,472247,931,705216,630,960155,430,000231,115,205213,477,000297,199,000166,147,000000
       Cash And Cash Equivalents 
7,766,000
9,124,000
10,286,000
6,026,000
1,276,000
6,433,000
2,910,525
7,740,000
2,638,720
2,539,023
1,155,927
3,329,000
5,572,000
5,954,000
40,573,000
39,483,000
62,130,000
81,554,000
50,922,000
51,665,000
703,000
136,504,000
59,114,000
983,000
138,845,000
48,158,000
1,904,000
156,921,000
59,276,000
55,310,000
55,443,000
73,556,000
76,567,000
91,630,000
79,022,000
79,022,00091,630,00076,567,00073,556,00055,443,00055,310,00059,276,000156,921,0001,904,00048,158,000138,845,000983,00059,114,000136,504,000703,00051,665,00050,922,00081,554,00062,130,00039,483,00040,573,0005,954,0005,572,0003,329,0001,155,9272,539,0232,638,7207,740,0002,910,5256,433,0001,276,0006,026,00010,286,0009,124,0007,766,000
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
511,000
5,446,000
3,799,000
0
321,000
4,309,000
0
8,690,000
10,930,000
0
17,221,000
41,706,000
55,584,000
0
-41,909,000
-35,778,000
0
0-35,778,000-41,909,000055,584,00041,706,00017,221,000010,930,0008,690,00004,309,000321,00003,799,0005,446,000511,000000000000000000000
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
680,000
621,000
434,000
2,320,000
732,000
682,000
4,210,000
9,071,000
675,000
3,553,000
10,391,000
714,000
3,875,000
13,899,000
602,000
749,000
320,000
959,000
510,000
854,000
0
0854,000510,000959,000320,000749,000602,00013,899,0003,875,000714,00010,391,0003,553,000675,0009,071,0004,210,000682,000732,0002,320,000434,000621,000680,00000000000000000
       Other Current Assets 
0
0
0
160,121,000
295,923,000
207,044,000
228,204,680
147,690,000
213,992,240
245,392,682
241,454,545
241,064,000
255,662,000
295,006,000
710,085,000
667,185,000
642,387,000
595,579,000
591,714,000
581,297,000
0
0
540,520,000
0
0
541,803,000
0
0
535,130,000
555,960,000
568,744,000
576,779,000
6,015,000
2,111,000
0
02,111,0006,015,000576,779,000568,744,000555,960,000535,130,00000541,803,00000540,520,00000581,297,000591,714,000595,579,000642,387,000667,185,000710,085,000295,006,000255,662,000241,064,000241,454,545245,392,682213,992,240147,690,000228,204,680207,044,000295,923,000160,121,000000
   > Long-term Assets 
0
0
0
1,850,000
1,899,000
5,636,000
5,944,243
97,328,000
35,054,320
31,785,755
67,072,257
99,205,000
92,112,000
135,073,000
275,917,000
285,149,000
265,595,000
245,099,000
203,662,000
221,252,000
0
0
206,379,000
0
0
227,118,000
0
0
217,101,000
185,579,000
236,734,000
252,757,000
278,627,000
218,618,000
286,996,000
286,996,000218,618,000278,627,000252,757,000236,734,000185,579,000217,101,00000227,118,00000206,379,00000221,252,000203,662,000245,099,000265,595,000285,149,000275,917,000135,073,00092,112,00099,205,00067,072,25731,785,75535,054,32097,328,0005,944,2435,636,0001,899,0001,850,000000
       Property Plant Equipment 
2,354,000
1,962,000
1,699,000
1,634,000
1,668,000
3,037,000
3,372,327
4,096,000
3,912,720
4,179,222
4,290,123
4,252,000
2,839,000
2,965,000
9,224,000
8,190,000
7,673,000
7,342,000
7,570,000
8,052,000
60,454,000
1,746,000
8,618,000
62,328,000
1,602,000
9,208,000
49,799,000
1,577,000
9,028,000
8,530,000
13,104,000
11,754,000
7,965,000
8,128,000
9,668,000
9,668,0008,128,0007,965,00011,754,00013,104,0008,530,0009,028,0001,577,00049,799,0009,208,0001,602,00062,328,0008,618,0001,746,00060,454,0008,052,0007,570,0007,342,0007,673,0008,190,0009,224,0002,965,0002,839,0004,252,0004,290,1234,179,2223,912,7204,096,0003,372,3273,037,0001,668,0001,634,0001,699,0001,962,0002,354,000
       Goodwill 
0
0
0
0
0
0
0
0
0
0
2,373,000
2,377,000
2,358,000
2,256,000
2,016,000
2,016,000
2,016,000
2,016,000
2,016,000
2,016,000
7,638,000
4,639,000
2,016,000
7,639,000
4,761,000
2,016,000
7,623,000
4,844,000
2,310,000
2,310,000
2,324,000
2,320,000
2,320,000
2,655,000
2,798,000
2,798,0002,655,0002,320,0002,320,0002,324,0002,310,0002,310,0004,844,0007,623,0002,016,0004,761,0007,639,0002,016,0004,639,0007,638,0002,016,0002,016,0002,016,0002,016,0002,016,0002,016,0002,256,0002,358,0002,377,0002,373,0000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
150,441,000
160,831,000
3,247,000
427,973,000
154,632,000
3,685,000
458,530,000
214,213,000
5,874,000
487,835,000
202,928,000
171,392,000
194,023,000
206,067,000
264,146,000
203,049,000
269,022,000
269,022,000203,049,000264,146,000206,067,000194,023,000171,392,000202,928,000487,835,0005,874,000214,213,000458,530,0003,685,000154,632,000427,973,0003,247,000160,831,000150,441,000000000000000000000
       Intangible Assets 
0
0
0
0
231,000
0
2,571,916
0
2,509,920
2,423,803
2,422,275
138,000
149,000
197,000
4,087,000
3,496,000
3,196,000
2,792,000
2,279,000
2,070,000
1,190,000
1,687,000
1,838,000
1,275,000
1,625,000
1,681,000
1,154,000
1,675,000
2,835,000
3,347,000
3,808,000
4,140,000
4,196,000
4,786,000
5,508,000
5,508,0004,786,0004,196,0004,140,0003,808,0003,347,0002,835,0001,675,0001,154,0001,681,0001,625,0001,275,0001,838,0001,687,0001,190,0002,070,0002,279,0002,792,0003,196,0003,496,0004,087,000197,000149,000138,0002,422,2752,423,8032,509,92002,571,9160231,0000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
251,899,000
0
0
238,923,000
216,408,000
245,869,000
260,665,000
318,547,000
0
0
00318,547,000260,665,000245,869,000216,408,000238,923,00000251,899,0000000000000000000000000000
> Total Liabilities 
143,203,000
142,259,000
151,812,000
160,480,000
290,372,000
208,537,000
225,276,261
244,055,000
241,347,680
269,148,972
299,055,637
332,091,000
340,921,000
426,334,000
983,148,000
947,872,000
923,952,000
879,868,000
807,694,000
804,993,000
64,023,000
460,472,000
759,708,000
65,224,000
481,724,000
768,978,000
56,861,000
516,039,000
762,966,000
747,399,000
114,819,000
101,658,000
84,660,000
830,308,000
93,668,000
93,668,000830,308,00084,660,000101,658,000114,819,000747,399,000762,966,000516,039,00056,861,000768,978,000481,724,00065,224,000759,708,000460,472,00064,023,000804,993,000807,694,000879,868,000923,952,000947,872,000983,148,000426,334,000340,921,000332,091,000299,055,637269,148,972241,347,680244,055,000225,276,261208,537,000290,372,000160,480,000151,812,000142,259,000143,203,000
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
555,735,000
576,218,000
10,947,000
0
535,055,000
11,098,000
0
557,885,000
13,144,000
0
535,195,000
533,259,000
559,545,000
601,993,000
620,654,000
642,254,000
0
0642,254,000620,654,000601,993,000559,545,000533,259,000535,195,000013,144,000557,885,000011,098,000535,055,000010,947,000576,218,000555,735,000000000000000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
157,230,000
21,298,000
5,438,000
30,490,000
21,860,000
5,674,000
30,381,000
21,871,000
8,190,000
42,758,000
2,360,000
17,771,000
23,734,000
0
0
0
0
000023,734,00017,771,0002,360,00042,758,0008,190,00021,871,00030,381,0005,674,00021,860,00030,490,0005,438,00021,298,000157,230,000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
157,230,000
21,298,000
5,438,000
30,490,000
21,860,000
5,674,000
30,381,000
21,871,000
8,190,000
42,758,000
2,360,000
17,771,000
23,734,000
0
0
0
0
000023,734,00017,771,0002,360,00042,758,0008,190,00021,871,00030,381,0005,674,00021,860,00030,490,0005,438,00021,298,000157,230,000000000000000000000
       Accounts payable 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,728,000
456,879,000
5,160,000
78,000
428,190,000
5,084,000
60,000
422,103,000
4,433,000
97,000
422,115,000
425,450,000
421,874,000
463,398,000
483,991,000
482,597,000
0
0482,597,000483,991,000463,398,000421,874,000425,450,000422,115,00097,0004,433,000422,103,00060,0005,084,000428,190,00078,0005,160,000456,879,0007,728,000000000000000000000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
46,542,000
56,406,000
349,000
343,544,000
44,980,000
339,000
362,912,000
65,965,000
520,000
387,894,000
58,783,000
37,681,000
51,601,000
54,301,000
61,628,000
55,560,000
0
055,560,00061,628,00054,301,00051,601,00037,681,00058,783,000387,894,000520,00065,965,000362,912,000339,00044,980,000343,544,000349,00056,406,00046,542,000000000000000000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
10,168,000
10,440,640
10,247,331
39,336,977
64,389,000
63,606,000
94,218,000
270,470,000
267,134,000
220,523,000
152,580,000
120,719,000
105,238,000
0
0
109,631,000
0
0
101,974,000
0
0
94,997,000
113,016,000
114,819,000
101,658,000
84,660,000
830,308,000
93,668,000
93,668,000830,308,00084,660,000101,658,000114,819,000113,016,00094,997,00000101,974,00000109,631,00000105,238,000120,719,000152,580,000220,523,000267,134,000270,470,00094,218,00063,606,00064,389,00039,336,97710,247,33110,440,64010,168,0000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
96,145,000
0
0
90,372,000
108,824,000
114,819,000
101,658,000
84,660,000
0
0
0084,660,000101,658,000114,819,000108,824,00090,372,0000096,145,0000000000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
150,675,000
148,427,000
10,092,000
33,594,000
139,929,000
9,413,000
20,910,000
131,025,000
7,696,000
22,236,000
132,259,000
124,004,000
135,014,000
138,551,000
145,897,000
128,488,000
0
0128,488,000145,897,000138,551,000135,014,000124,004,000132,259,00022,236,0007,696,000131,025,00020,910,0009,413,000139,929,00033,594,00010,092,000148,427,000150,675,000000000000000000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
130,000
114,000
6,379,000
203,000
106,000
6,661,000
181,000
81,000
5,601,000
181,000
104,000
90,000
83,000
74,000
64,000
54,000
0
054,00064,00074,00083,00090,000104,000181,0005,601,00081,000181,0006,661,000106,000203,0006,379,000114,000130,000000000000000000000
> Total Stockholder Equity
4,844,000
5,108,000
6,294,000
7,517,000
8,726,000
10,576,000
11,783,186
7,972,000
9,611,280
9,972,574
10,192,384
11,155,000
12,141,000
9,393,000
43,278,000
43,725,000
45,920,000
43,999,000
38,989,000
48,690,000
17,758,000
30,131,000
46,589,000
19,483,000
31,564,000
48,375,000
25,469,000
34,407,000
48,906,000
49,925,000
47,603,000
49,184,000
52,917,000
47,277,000
47,164,000
47,164,00047,277,00052,917,00049,184,00047,603,00049,925,00048,906,00034,407,00025,469,00048,375,00031,564,00019,483,00046,589,00030,131,00017,758,00048,690,00038,989,00043,999,00045,920,00043,725,00043,278,0009,393,00012,141,00011,155,00010,192,3849,972,5749,611,2807,972,00011,783,18610,576,0008,726,0007,517,0006,294,0005,108,0004,844,000
   Common Stock
0
0
0
0
1,389,000
0
1,414,313
0
1,416,240
1,418,621
1,419,774
1,429,000
1,432,000
1,513,000
10,472,000
6,815,000
6,881,000
7,042,000
7,145,000
7,146,000
658,000
9,411,000
7,146,000
642,000
9,356,000
7,146,000
561,000
10,109,000
7,197,000
7,116,000
7,005,000
7,084,000
7,102,000
6,729,000
6,358,000
6,358,0006,729,0007,102,0007,084,0007,005,0007,116,0007,197,00010,109,000561,0007,146,0009,356,000642,0007,146,0009,411,000658,0007,146,0007,145,0007,042,0006,881,0006,815,00010,472,0001,513,0001,432,0001,429,0001,419,7741,418,6211,416,24001,414,31301,389,0000000
   Retained Earnings Total Equity00000000000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
3,918,000
4,180,000
0
0
-2,900,000
-3,263,000
-4,743,000
-5,116,000
-5,092,000
-3,725,000
-3,857,000
-4,089,000
0
0
-4,260,000
0
0
-5,513,000
0
0
-4,359,000
-4,447,000
-5,474,000
19,653,000
17,083,000
11,884,000
15,448,000
15,448,00011,884,00017,083,00019,653,000-5,474,000-4,447,000-4,359,00000-5,513,00000-4,260,00000-4,089,000-3,857,000-3,725,000-5,092,000-5,116,000-4,743,000-3,263,000-2,900,000004,180,0003,918,00000000000
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
17,622,000
0
0
17,634,000
17,719,000
17,751,000
17,863,000
18,479,000
0
0
0018,479,00017,863,00017,751,00017,719,00017,634,0000017,622,0000000000000000000000000000
   Treasury Stock00000000000000000000000000000000000
   Other Stockholders Equity 
4,844,000
5,108,000
6,294,000
7,517,000
574,000
10,576,000
2,304,194
0
-2,441,280
-2,693,081
1,552,278
1,621,000
4,138,000
2,883,000
26,301,000
32,982,000
35,451,000
33,499,000
31,613,000
39,941,000
-6,951,000
3,546,000
39,287,000
-6,501,000
3,302,000
43,142,000
-4,986,000
2,378,000
41,163,000
41,867,000
37,352,000
17,863,000
18,491,000
18,519,000
18,568,000
18,568,00018,519,00018,491,00017,863,00037,352,00041,867,00041,163,0002,378,000-4,986,00043,142,0003,302,000-6,501,00039,287,0003,546,000-6,951,00039,941,00031,613,00033,499,00035,451,00032,982,00026,301,0002,883,0004,138,0001,621,0001,552,278-2,693,081-2,441,28002,304,19410,576,000574,0007,517,0006,294,0005,108,0004,844,000



Balance Sheet

Currency in GBP. All numbers in thousands.




Cash Flow

Currency in EUR. All numbers in thousands.