# Lloyds Banking Group Plc American (LYG) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $6.08, market value $88.0 billion.

## Valuation
- **P/E (trailing): 14.1×** (5-yr avg 41.7×, 3-yr avg 48.0×). Lloyds Banking Group Plc American trades at 14.1× trailing earnings, well below its own five-year average of 41.7×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.84**. A PEG of 0.84 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 3.1×**. Each dollar of revenue is priced at 3.1×.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 1.0%** (5-yr avg 2.9%). Free cash flow equals 1.0% of the market value, below its five-year average of 2.9%, so the shares are pricier on cash than usual.
- **Earnings yield: 7.1%**. The inverse of the P/E: 7.1% of the price is earned each year.

## Profitability
- **Net margin: 24.5%**. 24.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 9.9%**. 9.9% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.6%**. Each dollar of assets produces 0.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 7.9%** (5-yr -7.8%/yr). Revenue grew 7.9% over the last year, against -7.8% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 11.3%** (3-yr 12.1%/yr, 5-yr 41.9%/yr). Earnings per share rose 11.3%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): -68.2%/yr**. Free cash flow has compounded at -68.2% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.59%** ($0.22 per share, trailing). Lloyds Banking Group Plc American yields 3.59%, an income-level yield.
- **Payout ratio: 43%** (326% of free cash flow). 43% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 4**. 4 straight years of increases.
- **Dividend growth (5 yr): 10.1%/yr** (1-yr 14.9%). The dividend has compounded at 10.1% a year over five years, doubling roughly every 7 years at that pace.

## Analyst view
- **Analyst consensus: buy** (4 analysts). 4 analysts cover Lloyds Banking Group Plc American; the consensus is buy, with an average price target of $6.59 (+8% 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): 42.2%** (YTD 17.5%, 3-mo 14.5%). The shares are up 42.2% over twelve months including dividends.
- **From 52-week high: -4.1%** (39.4% 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): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): 1.36** (volatility 29%). Beta of 1.36 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=LYG · Page: https://foliofundamentals.com/stocks/lyg

Not investment advice.