Lloyds is a retail and commercial bank headquartered in the United Kingdom. The bank operates via three business segments: retail, commercial banking, and insurance and wealth. In retail, Lloyds offers primarily mortgages (66% of loan portfolio), credit cards, and current accounts to its customers. Its commercial banking operation provides lending, transaction banking, working capital management, and debt capital market services to large corporates and financial institutions in the U.K. Insurance and wealth rounds out the product lineup with life and property insurance as well as pension solutions and high-net-worth asset-management services.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.82
Equity-to-Asset	0.05
Debt-to-Equity	1.83
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.14	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	11.3
	3-Year EPS without NRI Growth Rate	72.4
	3-Year FCF Growth Rate	-61
	3-Year Book Growth Rate	2.3
	Future 3-5Y EPS without NRI Growth Rate	4.1
	Future 3-5Y Total Revenue Growth Rate	0.61

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	53.46
	9-Day RSI	52.46
	14-Day RSI	53.16
	6-1 Month Momentum %	35.6
	12-1 Month Momentum %	7.02

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	5.43
	Dividend Payout Ratio	0.32
	Forward Dividend Yield %	5.43
	5-Year Yield-on-Cost %	5.43
	3-Year Average Share Buyback Ratio	3.5
	Shareholder Yield %	-10.25

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	26.73
	FCF Margin %	7.24
	ROE %	10.85
	ROA %	0.57
	Years of Profitability over Past 10-Year	10

GF Value Rank

7/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.41
	Forward PE Ratio	7.66
	PE Ratio without NRI	6.85
	Shiller PE Ratio	10.28
	Price-to-Owner-Earnings	260.5
	PEG Ratio	13.7
	PS Ratio	1.8
	PB Ratio	0.69
	Price-to-Tangible-Book	0.69
	Price-to-Free-Cash-Flow	24.78
	Price-to-Operating-Cash-Flow	5.01
	EV-to-Forward-EBIT	8.51
	EV-to-Revenue	2.57
	EV-to-Forward-Revenue	4.03
	EV-to-FCF	36.29
	Price-to-Projected-FCF	0.4
	Price-to-Graham-Number	0.47
	FCF Yield %	4.22
	Forward Rate of Return (Yacktman) %	19.53

GF Value: $2.85

LYG

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