LYG$5.10
$5.09
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AI LYG Summary
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Powered by LiveAIOverall Analysis
BuyLloyds Banking Group exhibits a mix of fundamental strength with attractive dividend yields and a solid market position, but faces some short-term technical headwinds and a competitive operating environment. Thematic tailwinds in digital transformation and sustainability offer long-term potential.
Thematic
Lloyds Banking Group is benefiting from ongoing digital transformation in the financial sector and an increasing focus on ESG initiatives, though it operates in a mature, highly competitive market.
Fundamental
The company demonstrates robust profitability, strong capital generation, and offers attractive dividend yields, supported by a solid balance sheet, though revenue growth has been modest.
Technical
The stock is trading below key short-term moving averages, indicating a bearish short-term trend, although longer-term indicators suggest potential for recovery.
| Factor | Score |
|---|---|
| Digital Transformation | 80 |
| ESG & Sustainability | 75 |
| Economic Sensitivity | 60 |
| Regulatory Environment | 70 |
| Market Position | 75 |
| Factor | Score |
|---|---|
| Valuation | 80 |
| Profitability | 85 |
| Growth | 40 |
| Balance Sheet Health | 85 |
| Cash Flow | 30 |
| Dividends | 95 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 65 |
| Volume Confirmation | 70 |
| Support & Resistance | 75 |
| Short-term Indicators | 50 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Strong Recent Performance
The stock has shown strong performance over multiple periods, with a 6-month return of 43.18% and a Year-to-Date (YTD) return of 61.74%. The 1-year return is also robust at 44.1%.
Attractive P/E Ratio
The trailing P/E ratio (PE TTM) is 12.84, which is generally considered reasonable, especially when compared to the EPS TTM of 0.33.
Bearish Points (7)
Recent Price Decline
The current price of $4.24 represents a slight decrease from recent highs, with a daily change of -0.05 (-1.17%). The price is trading within its 52-week range ($2.56-$4.34).
Negative Free Cash Flow
In the latest reported annual period (2024 Q4), the company reported a significantly negative Free Cash Flow of -$10.016 billion, which could indicate operational inefficiencies or significant investment outflows.
Calendar
April 2025
11
Ex-Dividend Date
May 2025
30
Next Dividend Date
July 2025
24
Next Earnings Date
H: $0.11
A: $0.11
L: $0.11
H: 5.02B
A: 5.02B
L: 5.02B
Profile
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services in the United Kingdom and internationally. The company operates through 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, and leasing solutions, as well as 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 businesses, 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, Lloyds Living, IWeb, Cavendish Online, HGP, and Tusker brand names. Lloyds Banking Group plc was founded in 1695 and is based in London, the United Kingdom.
Seasonals
Price Target
3.89 USD
The 39 analysts offering 1 year price forecasts for LYG have a max estimate of 3.90 and a min estimate of 3.88.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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