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Lloyds Banking Group plc 9.25% NON-CUM IRR PRF SHS GBP0.25

LLOBF•PNK
Financial Services
Banks - Regional
$1.86
$-0.28(-13.25%)
U.S. Market opens in NaNh NaNm

Lloyds Banking Group plc 9.25% NON-CUM IRR PRF SHS GBP0.25 Fundamental Analysis

Lloyds Banking Group plc 9.25% NON-CUM IRR PRF SHS GBP0.25 (LLOBF) shows moderate financial fundamentals with a PE ratio of 20.74, profit margin of 23.99%, and ROE of 10.25%. The company generates $8.4B in annual revenue with moderate year-over-year growth of 8.89%.

Key Strengths

Operating Margin34.30%
Cash Position46.34%

Areas of Concern

PEG Ratio3.16
Current Ratio0.12
We analyze LLOBF's fundamental strength across five key dimensions.

The stock receives a Fundamental Health Score of 34.8/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.

Fundamental Health Score

F
34.8/100

We analyze LLOBF's fundamental strength across five key dimensions:

Efficiency Score

Weak

LLOBF struggles to generate sufficient returns from assets.

ROA > 10%
0.49%

Valuation Score

Moderate

LLOBF shows balanced valuation metrics.

PE < 25
20.74
PEG Ratio < 2
3.16

Growth Score

Excellent

LLOBF delivers strong and consistent growth momentum.

Revenue Growth > 5%
8.89%
EPS Growth > 10%
11.61%

Financial Health Score

Weak

LLOBF carries high financial risk with limited liquidity.

Debt/Equity < 1
2.27
Current Ratio > 1
0.12

Profitability Score

Weak

LLOBF struggles to sustain strong margins.

ROE > 15%
10.25%
Net Margin ≥ 15%
23.99%
Positive Free Cash Flow
No

Key Financial Metrics

Is LLOBF Expensive or Cheap?

P/E Ratio

LLOBF trades at 20.74 times earnings. This indicates a fair valuation.

20.74

PEG Ratio

When adjusting for growth, LLOBF's PEG of 3.16 indicates potential overvaluation.

3.16

Price to Book

The market values Lloyds Banking Group plc 9.25% NON-CUM IRR PRF SHS GBP0.25 at 2.31 times its book value. This may indicate undervaluation.

2.31

EV/EBITDA

Enterprise value stands at 0.49 times EBITDA. This is generally considered low.

0.49

How Well Does LLOBF Make Money?

Net Profit Margin

For every $100 in sales, Lloyds Banking Group plc 9.25% NON-CUM IRR PRF SHS GBP0.25 keeps $23.99 as profit after all expenses.

23.99%

Operating Margin

Core operations generate 34.30 in profit for every $100 in revenue, before interest and taxes.

34.30%

ROE

Management delivers $10.25 in profit for every $100 of shareholder equity.

10.25%

ROA

Lloyds Banking Group plc 9.25% NON-CUM IRR PRF SHS GBP0.25 generates $0.49 in profit for every $100 in assets, demonstrating efficient asset deployment.

0.49%

Following the Money - Real Cash Generation

Operating Cash Flow

Lloyds Banking Group plc 9.25% NON-CUM IRR PRF SHS GBP0.25 generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.

$0.00

Free Cash Flow

Lloyds Banking Group plc 9.25% NON-CUM IRR PRF SHS GBP0.25 generates weak or negative free cash flow of $0.00, restricting financial flexibility.

$0.00

FCF Per Share

Each share generates $0.00 in free cash annually.

$0.00

FCF Yield

LLOBF converts 0.00% of its market value into free cash.

0.00%

Financial Ratios Analysis

Valuation Ratios

P/E Ratio

Price to earnings ratio

20.74

vs 25 benchmark

PEG Ratio

Price/earnings to growth ratio

3.16

vs 25 benchmark

P/B Ratio

Price to book value ratio

2.31

vs 25 benchmark

P/S Ratio

Price to sales ratio

2.15

vs 25 benchmark

Financial Health

Debt/Equity

Total debt to shareholders' equity

2.27

vs 25 benchmark

Current Ratio

Current assets to current liabilities

0.12

vs 25 benchmark

Efficiency Ratios

ROE

Return on equity percentage

0.10

vs 25 benchmark

ROA

Return on assets percentage

0.005

vs 25 benchmark

ROCE

Return on capital employed

0.02

vs 25 benchmark

How LLOBF Stacks Against Its Sector Peers

MetricLLOBF ValueSector AveragePerformance
P/E Ratio20.7419.02 Neutral
ROE10.25%818.00% Weak
Net Margin23.99%1593.00% Weak
Debt/Equity2.270.99 Weak (High Leverage)
Current Ratio0.12669.82 Weak Liquidity
ROA0.49%-24701.00% (disorted) Weak

LLOBF outperforms its industry in 0 out of 6 key metrics, but lagging in ROE.

Historical Growth Performance

5-Year Growth Trajectory

This section reviews Lloyds Banking Group plc 9.25% NON-CUM IRR PRF SHS GBP0.25's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.

Revenue CAGR

158.78%

Industry Style: Value, Dividend, Cyclical

High Growth

EPS CAGR

275.95%

Industry Style: Value, Dividend, Cyclical

High Growth

FCF CAGR

-80.74%

Industry Style: Value, Dividend, Cyclical

Declining

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