Obermatt

Lloyds Banking

LSE:LLOY · GB0008706128
BanksSmall

360

59
Profit price44
Cash yield35
Price/Sales80
Price/Book74
Returns on capital
Profit margins

Cash truth not applicable for financial companies.

Sales growth80
Profit Growth94
Long-Term EPS Growth96
Reinvestment46
Price momentum40
Debt load98
Debt serviceability46
Liquidity41
Analyst ratings57
Opinion Changes50
Price Target Upside69
Market mood11
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Lloyds Banking generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 1/5 components.

Profile

CountryUK
IndustryBanks
SizeSmall
TypePublic Company
ExchangeLSE
Founded1985
Employees36,440
ISINGB0008706128
Last UpdateApr 2, 2026

Description

Lloyds Banking Group plc provides financial services to individual and business customers primarily in the United Kingdom (U.K.). The company’s main business activities are retail and commercial banking and long-term savings, protection and investme…

Analysis

Weak and unloved

Lloyds Banking Group plc is weak and unloved: below-average business metrics and a price that reflects that disappointment.

Valuation data is not available for this company.

The trajectory is solid and the balance sheet is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
90
2023202420252026

All-time high

90

Jun 2026

All-time low

10

Jan 2025

Average rank

54

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
80
68
63
47
Price/Earnings
66
44
50
72
Price/Book
74
55
54
43
Dividend Yield
35
37
42
52
Value (overall)
70
49
42
48

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →