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Lloyds Banking Group plc Financial Ratios 2025-2011 | LYG
Brief overview of Lloyds Banking Group plc's multiples and efficiency
The review covers five available annual periods spanning 2021 to 2025.
The valuation comparison uses P/E 70.01x (median 37.03x), P/B 6.96x (median 3.79x), P/CF 58.42x (median 21.65x). The current ratio basket stands about 89.1% above the five-year base, increasing sensitivity to weak reports.
The inverse P/E implies an earnings yield of 1.4%. This is not a dividend yield, but current earnings relative to market price.
Returns on assets and capital are represented by ROE 9.9%, ROA 0.5%, ROCE 0.5%. Low capital returns limit the ability to compound value internally.
Banks and insurers require sector-specific reading: the value and return on capital matter more than standard industrial multiples.
Overall assessment
Lloyds Banking Group plc's profile looks stretched: price anticipates improvement that current quality ratios do not yet confirm.
Annual Financial Ratios Lloyds Banking Group plc
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
70.0 | 47.1 | 26.7 | 37.0 | 33.0 | 0.2 | - | - | - | - | - | - | - | - | - |
P/S |
17.1 | 11.7 | 7.9 | -27.2 | 5.0 | 0.0 | 0.0 | - | 0.0 | - | - | - | - | - | - |
EPS |
0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | - | - | - | - |
EV (Enterprise Value) |
1.17 T | 1 T | 893 B | 879 B | 945 B | 744 B | 729 B | 692 B | -39.9 B | -52 B | 14.5 B | 14 B | 18.3 B | -6.64 B | -17.2 B |
EBITDA per Share |
- | - | - | - | - | - | - | - | - | 13.9 | 10.3 | -2.1 | 22.1 | 32 | 18.8 |
EV/EBITDA |
- | - | - | - | - | - | 0.1 | - | 0.2 | 0.2 | 0.4 | -1.5 | 0.1 | 0.3 | 0.3 |
P/B |
7.0 | 4.6 | 3.1 | 3.3 | 3.8 | 0.0 | 0.0 | - | 0.0 | - | - | - | - | - | - |
P/CF |
58.4 | -48.0 | 21.7 | 6.6 | 29.4 | 0.0 | 0.0 | - | -0.2 | -0.1 | -0.4 | -0.3 | 0.2 | 10.4 | 0.0 |
ROE % |
9.94 | 9.76 | 11.65 | 8.93 | - | 2.67 | - | - | - | - | - | - | - | - | - |
ROA % |
0.50 | 0.49 | 0.63 | 0.45 | 0.67 | 0.15 | - | - | - | - | - | - | - | - | - |
ROCE % |
- | - | - | - | - | - | - | - | - | - | - | - | - | 0.51 | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 3.4 | - | - | - | - | - | - |
All numbers in GBP currency
Quarterly Financial Ratios Lloyds Banking Group plc
| 2025-Q4 | 2025-Q2 | 2024-Q4 | 2024-Q2 | 2023-Q4 | 2023-Q2 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
0.07 | 0.038 | 0.063 | 0.034 | 0.076 | 0.039 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROE % |
30.54 | 32.25 | 33.26 | 5.42 | 11.65 | 6.44 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROA % |
1.55 | 1.67 | 1.72 | 0.27 | 0.63 | 0.32 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | - | - | - | 1.1 | - | 1.1 | - | 1.1 | - | 1.1 | - | 1.1 | - | 1.1 | - | 1.1 | - | 1.1 | - | 1.1 | - | - | - | 1.1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in GBP currency
Multiples are an important financial analysis tool for the company Lloyds Banking Group plc, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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