Skip to Content
Morningstar

Lloyds Banking Group PLC LLOY

Morningstar Rating
Unlock
Stock XLON Rating as of
GBX 52.18 +0.12 (0.23%)
View Full Chart
As of Delayed Price Closed
Unlock our analysis with Morningstar Investor
Start Free Trial

Company Report

View Archive

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.

Read Full Report

Price vs Fair Value

View History
LLOY is trading at a 33% discount.
Price
GBX 52.18
Fair Value
GBX 17.00
Uncertainty
Medium
1-Star Price
GBX 947.70
5-Star Price
GBX 85.80
Economic Moat
Xnzhcv
Capital Allocation
Cnhjxlzhw

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.

Show More
Is it the right time to buy, sell, or hold?
Start a free trial of Morningstar Investor to unlock exclusive ratings and continuous analyst coverage to help you decide if LLOY is a good fit for your portfolio.
Get 7 Days Free

News

View All

Trading Information

Previous Close Price
GBX 52.06
Day Range
GBX 51.74–52.92
52-Week Range
GBX 39.42–54.28
Bid/Ask
GBX 48.00 / GBX 53.16
Market Cap
GBX 3.30 Tril
Volume/Avg
86.3 Mil / 201.7 Mil

Key Statistics

Price/Earnings (Normalized)
6.98
Price/Sales
1.79
Dividend Yield (Trailing)
5.29%
Dividend Yield (Forward)
5.29%
Total Yield
11.08%

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

View More
Metric
LLOY
BCS
NWG
Price/Earnings (Normalized)
 6.985.655.52
Price/Book Value
 0.700.520.78
Price/Sales
 1.791.281.91
Price/Cash Flow
 3.101.564.04
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
See how this stock stacks up to its competitors with Morningstar Investor
Start Free Trial

Banks - Regional Industry Comparables

Screen in Investor
Ticker
Name
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRGdwhnlfjNfhq$82.1 Bil
ISNPY
Intesa Sanpaolo ADRPktprhfgtXtjk$67.8 Bil
USB
U.S. BancorpRkjlwhzxmCswv$64.6 Bil
PNC
PNC Financial Services Group IncSfhwxrbQgchphs$62.2 Bil
ITUB
Itau Unibanco Holding SA ADRQfxkrgqQpsqr$57.6 Bil
TFC
Truist Financial CorpSsvyprhhYjqgyjd$52.0 Bil
MFG
Mizuho Financial Group Inc ADRMkccyjkHlywh$49.8 Bil
LYG
Lloyds Banking Group PLC ADRGkttkzcMbgsbp$41.3 Bil
NWG
NatWest Group PLC ADRThsgKhm$33.3 Bil
DB
Deutsche Bank AGCxsjCdmt$32.3 Bil

Sponsor Center