Skip to Content

Lloyds Banking Group PLC ADR LYG

Morningstar Rating
$2.13 −0.04 (1.84%)
View Full Chart
Unlock our analysis with Morningstar Investor

Company Report

Lloyds Is the Banking Play on the U.K. Economy

Lloyds is a pure U.K. 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.

Price vs Fair Value

LYG is trading within a range we consider fairly valued.
Price
$2.13
Fair Value
$7.00
Uncertainty
Medium
1-Star Price
$8.40
5-Star Price
$5.90
Economic Moat
Gtxgzh
Capital Allocation
Sqjwqsjz

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.

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 LYG is a good fit for your portfolio.

News

Trading Information

Previous Close Price
$2.17
Day Range
$2.132.16
52-Week Range
$1.882.56
Bid/Ask
$2.23 / $2.24
Market Cap
$34.13 Bil
Volume/Avg
184,328 / 7.6 Mil

Key Statistics

Price/Earnings (Normalized)
5.27
Price/Sales
1.49
Dividend Yield (Trailing)
5.80%
Dividend Yield (Forward)
5.80%
Total Yield
11.35%

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 corporates and financial institutions in the U.K. 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
59,354

Competitors

Valuation

Metric
LYG
BCS
NWG
Price/Earnings (Normalized)
5.274.143.64
Price/Book Value
0.600.400.59
Price/Sales
1.490.931.30
Price/Cash Flow
1.552.77
Price/Earnings
LYG
BCS
NWG

Financial Strength

Metric
LYG
BCS
NWG
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
LYG
BCS
NWG
Return on Assets (Normalized)
1.07%0.43%2.03%
Return on Equity (Normalized)
20.65%11.80%44.23%
Return on Invested Capital (Normalized)
Return on Assets
LYG
BCS
NWG
See how this stock stacks up to its competitors with Morningstar Investor

Banks - Regional Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRVxrkj$69.3 Bil
ITUB
Itau Unibanco Holding SA ADRWvwd$65.6 Bil
USB
U.S. BancorpDtd$63.6 Bil
PNC
PNC Financial Services Group IncLbfrx$58.3 Bil
ISNPY
Intesa Sanpaolo ADRDtq$57.0 Bil
TFC
Truist Financial CorpWdnyhm$47.7 Bil
MFG
Mizuho Financial Group Inc ADRKppr$46.1 Bil
BBD
Bank Bradesco SA ADRSkxxd$28.5 Bil
DB
Deutsche Bank AGZmrnh$26.1 Bil

Sponsor Center