LYG
Lloyds Banking Group·NYSE
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6.58 / 10
Outperform
LYG's fundamental profile is robust: a 36.7% gross profit margin in the top quartile, a 100% total profit/EBIT ratio, and an 88.2% net profit ratio to net profit all point to efficient operations and healthy earnings. Shareholders' equity growth of 5.57% year-over-year and a negative PB-ROE difference of -0.96 further suggest undervaluation relative to peers. Although cash-flow metrics show minor weaknesses, the overall financial health scores 6.6/10, earning an 'Outperform' rating and indicating a solid balance sheet and sustainable growth prospects.
Analysis Checks(8/10)
Revenue-MV
Value0.05
Score1/3
Weight7.02%
1M Return4.09%
Value0.05
Score1/3
Weight7.02%
1M Return4.09%
Gross profit margin (%)
Value36.70
Score3/3
Weight5.36%
1M Return3.27%
Value36.70
Score3/3
Weight5.36%
1M Return3.27%
PB-ROE
Value-0.96
Score3/3
Weight15.75%
1M Return7.29%
Value-0.96
Score3/3
Weight15.75%
1M Return7.29%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight5.43%
1M Return3.30%
Value100.00
Score3/3
Weight5.43%
1M Return3.30%
Asset-MV
Value-0.53
Score3/3
Weight20.38%
1M Return10.14%
Value-0.53
Score3/3
Weight20.38%
1M Return10.14%
Net profit attributable to parent company shareholders / Net profit (%)
Value88.21
Score2/3
Weight6.81%
1M Return4.07%
Value88.21
Score2/3
Weight6.81%
1M Return4.07%
Net income-Revenue
Value1.07
Score3/3
Weight13.45%
1M Return7.08%
Value1.07
Score3/3
Weight13.45%
1M Return7.08%
Shareholders’ equity attributable to parent company (growth rate compared to beginning of year %)
Value5.57
Score3/3
Weight7.52%
1M Return4.32%
Value5.57
Score3/3
Weight7.52%
1M Return4.32%
Cash-UP
Value0.01
Score1/3
Weight5.14%
1M Return3.34%
Value0.01
Score1/3
Weight5.14%
1M Return3.34%
Cash-MV
Value1.48
Score3/3
Weight13.13%
1M Return7.48%
Value1.48
Score3/3
Weight13.13%
1M Return7.48%
Revenue-MV
Value0.05
Score1/3
Weight7.02%
1M Return4.09%
Value0.05
Score1/3
Weight7.02%
1M Return4.09%
Net profit attributable to parent company shareholders / Net profit (%)
Value88.21
Score2/3
Weight6.81%
1M Return4.07%
Value88.21
Score2/3
Weight6.81%
1M Return4.07%
Gross profit margin (%)
Value36.70
Score3/3
Weight5.36%
1M Return3.27%
Value36.70
Score3/3
Weight5.36%
1M Return3.27%
Net income-Revenue
Value1.07
Score3/3
Weight13.45%
1M Return7.08%
Value1.07
Score3/3
Weight13.45%
1M Return7.08%
PB-ROE
Value-0.96
Score3/3
Weight15.75%
1M Return7.29%
Value-0.96
Score3/3
Weight15.75%
1M Return7.29%
Shareholders’ equity attributable to parent company (growth rate compared to beginning of year %)
Value5.57
Score3/3
Weight7.52%
1M Return4.32%
Value5.57
Score3/3
Weight7.52%
1M Return4.32%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight5.43%
1M Return3.30%
Value100.00
Score3/3
Weight5.43%
1M Return3.30%
Cash-UP
Value0.01
Score1/3
Weight5.14%
1M Return3.34%
Value0.01
Score1/3
Weight5.14%
1M Return3.34%
Asset-MV
Value-0.53
Score3/3
Weight20.38%
1M Return10.14%
Value-0.53
Score3/3
Weight20.38%
1M Return10.14%
Cash-MV
Value1.48
Score3/3
Weight13.13%
1M Return7.48%
Value1.48
Score3/3
Weight13.13%
1M Return7.48%
Is LYG fundamentally strong?
- LYG scores 6.58/10 on fundamentals and holds a Discounted valuation at present. Backed by its 8.95% ROE, 24.49% net margin, 15.45 P/E ratio, 1.35 P/B ratio, and 19.33% earnings growth, these metrics solidify its Outperform investment rating.
