# Lion Finance Group PLC (BGEO.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services / Banks. Price 13580p, market value 5.8 billionp.

## Valuation
- **P/E (trailing): 9.0×** (5-yr avg 120.0×, 3-yr avg 134.2×). Lion Finance Group PLC trades at 9.0× trailing earnings, well below its own five-year average of 120.0×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 7.4×, lower than trailing, so analysts expect earnings to grow.
- **Price / book: 0.7×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Earnings yield: 11.1%**. The inverse of the P/E: 11.1% of the price is earned each year.

## Profitability
- **Net margin: 32.3%**. 32.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 25.7%**. 25.7% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 3.8%**. Each dollar of assets produces 3.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 25.4%** (3-yr 29.5%/yr, 5-yr 52.3%/yr). Revenue grew 25.4% over the last year, against 52.3% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -11.2%** (3-yr 17.8%/yr, 5-yr 51.7%/yr). Earnings per share fell 11.2%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): -26.3%/yr**. Free cash flow has compounded at -26.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.51%** (3p per share, trailing). Lion Finance Group PLC yields 2.51%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 22%** (25% of free cash flow). 22% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.

## Analyst view
- **Analyst consensus: strong_buy** (5 analysts). 5 analysts cover Lion Finance Group PLC; the consensus is strong_buy, with an average price target of 14260p (+5% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 91.5%** (YTD 47.2%, 3-mo 32.4%). The shares are up 91.5% over twelve months including dividends.
- **From 52-week high: -1.2%** (86.8% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 73**. An RSI of 73 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 1.36** (volatility 31%). Beta of 1.36 against the FTSE All-Share: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BGEO.L · Page: https://foliofundamentals.com/stocks/bgeo.l

Not investment advice.