Lloyds Banking Group stock
LYGNYSELloyds Banking Group plc, Financial ServicesISIN US5394391099
70Score 70 out of 100, Strong
Price and trend
47 / 100
Price history
+2.8% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 7.7% below it.
Since November 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 45).
The price is 18% below its 52-week high. Largest decline in 20 years: 98% (February 2007 to September 2020).
Chart figures for advanced users
- SMA 50$5.53
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$5.60
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)45
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$4.52
- The lowest closing price of the last twelve months.
- Resistance$6.28
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Lloyds Banking Group plc belongs to the Banks (Regional) industry (United Kingdom) and, with a market value of $74.36B, is number 13 of 420 companies in its industry on MEQIRI.
- American depositary receipt (ADR): 1 ADR = 4 shares.
- In fiscal 2025 it earned $6.18B (up 5.4% year on year).
Show more
- MEQIRI Score 70 out of 100 (Strong): rank 416 of 975 in Financial Services, median 68.
- The P/E is 9.1 (Banks (Regional) median 12.2, own median of recent years 11.8).
- Our model puts fair value at $5.51, with the price 6% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 40.6% a year since 2020.Growth 100
- Share buybacksShare count down 15% since 2020.Capital allocation 85
- Analysts expect strong earnings growthUp 23.4% a year through 2027 (estimates from 2 analysts).Growth 100
Weaknesses
- High leverageTotal assets 21.1 times equity.Stability 42
Its standout strengths are growth and fundamentals, while technical analysis and stability hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among stocks ranked 101 to 1,000.
From 2016 to 2025, 13 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- solid fundamentals
Valuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $4.24 and expensive above $7.87 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $4.04 (excess return model) and $6.97 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $5.17, at 7.8% it would be $6.01.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the quarter to 30 Jun 2026, revenue fell 0.3% on the same quarter a year earlier. Revenue has grown solidly since 2006, at about 8% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 14%, net 10%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 21%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 4 Feb 2027in 83 days
- Last reported
- 29 Oct 2026above expectations
Analyst estimates
- Earnings per share
- 0.41−0.6%
- Revenue
- $27.9B−0.3%
- Earnings per share
- 0.46−6.0%
- Revenue
- $29.95B−1.6%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +5.1%2026 guidance reaffirmed: net interest income above GBP 14.9 billion, return on tangible equity above 16%, cost income ratio below 50%.
“Coming back to this year, we continue to expect net interest income for 2026 to be greater than GBP 14.9 billion.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 30 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Lloyds Banking Group
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 70
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- CaixaBankCABK.MC $94.74B78
- U.S. BancorpUSB $94.22B74
- PNC Financial Services GroupPNC $91.67B73
- China CITIC Bank601998.SS $76.44B65
- JAPAN POST BANK7182.T $70.28B62
- Deutsche BankDBK.DE $68.58B64
- BOC Hong Kong (Holdings)2388.HK $67.64B68
- Nordea Bank AbpNDA-FI.HE $64.2B76
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = £0.7544)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong since 10 Nov 2026, previously Neutral
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.