LYG logo

LLOYDS BANKING GROUP PLC-ADR

LYGNYSE
πŸ† #185 by market capEarnings Jan 27 Β· PostUS Equity
$5.63β–Ό $0.06 (βˆ’1.05%)
πŸŒ™ After hours$5.63β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–Ό 1.1%
7dβ–² 0.0%
14dβ–Ό 4.4%
30dβ–Ό 3.9%
ytdβ–² 6.4%
1yβ–² 23.9%
🏦Market Cap
$81.71B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
+72.8%
High Growth
πŸ“ŠGross Margin
99.1%
High
πŸ’΅FCF Margin
β€”
βš–οΈP/S Ratio
3.2x
Fair
Otter Score
72
Fair

Trading Snapshot

Day Range
$5.55 – $5.68
52-Week Range
$4.42 – $6.34
Volume
$3.20B
Avg Volume
$3.93B
Shares Outstanding
14.51B
Next Earnings
Nov 29, 2026

Fundamentals Snapshot

Annual Revenue
$65.00B
Last Q Revenue
$13.84B
P/E Ratio
13.3
P/S Ratio
3.2x
EPS (TTM)
$0.35
Dividend Yield
3.75%
Dilution (1yr)
βˆ’4.2%

Why Investors Own LYG

  • βœ“High-growth profile β€” revenue up +16.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 26% gross margin and 29% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

LYG logo

LLOYDS BANKING GROUP PLC-ADR

LYG
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$65.0Bβ–² +72.8% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
29.9%β–Ό βˆ’39.6% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$6.7Bβ–² +11.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
βˆ’$625Mβ–Ό βˆ’92.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
14.95Bβ–Ό βˆ’4.2% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$38.5Bβ–Ό βˆ’$12.7B YoY
StockOtter Β· stockotter.space

About LLOYDS BANKING GROUP PLC-ADR

Operating primarily within the United Kingdom, Lloyds Banking Group plc and its various subsidiaries deliver an extensive array of banking and financial products and services. The group's operations are divided into three core segments: Retail, Commercial Banking, and Insurance & Wealth. The Retail division serves individual consumers and small businesses with essential financial tools like checking and savings accounts, mortgages, auto financing, unsecured personal loans, leasing arrangements, and credit cards. Through its Commercial Banking arm, the group provides lending, transactional banking, working capital solutions, risk management advice, and debt financing services, catering to small and medium-sized enterprises, large corporations, and financial institutions. The Insurance & Wealth segment focuses on offering diverse insurance products, investment opportunities, and comprehensive wealth management services. Additionally, the company provides modern digital banking solutions. Its offerings are accessible through prominent brands including Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows. Established in 1695, Lloyds Banking Group plc is headquartered in London, United Kingdom.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Ratings

β“˜
Consensus
Buy
24 analysts
Strong Buy4
Buy11
Hold7
Sell2
Strong Sell0
Ratings as of Sep 2026

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