ScoreWhy is Lloyds Banking Group Plc ?
1
The Bank has a high Capital Adequacy Ratio of 2,515.38% signifying high buffers against its risk based assets
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
3
Flat results in Jun 25
- NET SALES(9M) At GBP 3,152 MM has Grown at -66.34%
4
With ROA of 0.42%, it has a fair valuation with a 1.25 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 83.15%, its profits have fallen by -13.9%
5
Market Beating performance in long term as well as near term
- Along with generating 83.15% returns in the last 1 year, the stock has outperformed FTSE 100 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Lloyds Banking Group Plc should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Lloyds Banking Group Plc for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Lloyds Banking Group Plc
83.15%
1.18
26.71%
FTSE 100
15.94%
1.23
12.99%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-10.76%
EBIT Growth (5y)
15.30%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
50.40%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.25
EV to EBIT
15.72
EV to EBITDA
15.72
EV to Capital Employed
1.12
EV to Sales
15.52
PEG Ratio
NA
Dividend Yield
420.58%
ROCE (Latest)
7.11%
ROE (Latest)
10.03%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bullish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NII(Q)
Highest at GBP 3,274 MM
GROSS NPA (%)
(Q
OPERATING PROFIT(Q)
Highest at GBP 1,987 MM
PRE-TAX PROFIT(Q)
Highest at GBP 1,987 MM
NET PROFIT(Q)
Highest at GBP 1,268 MM
EPS(Q)
Highest at GBP 0.02
-4What is not working for the Company
NET SALES(9M)
At GBP 3,152 MM has Grown at -66.34%
Here's what is working for Lloyds Banking Group Plc
NII
Highest at GBP 3,274 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA (%)
Non Performing Loans (%)
Lowest at 1.41%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit
Highest at GBP 1,987 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (GBP MM)
Pre-Tax Profit
Highest at GBP 1,987 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (GBP MM)
Net Profit
Highest at GBP 1,268 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (GBP MM)
EPS
Highest at GBP 0.02
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (GBP)
Here's what is not working for Lloyds Banking Group Plc
Net Sales
At GBP 3,152 MM has Grown at -66.34%
Year on Year (YoY)MOJO Watch
Near term sales trend is very negative
Net Sales (GBP MM)
Capital Adequacy Ratio
Lowest at 16.1%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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