US · LYG
Lloyds Banking Group plc
- Sector
- Financial Services · Banks - Regional
- Headquarters
- London EC2V 7HN
- Website
- lloydsbankinggroup.com
Price · as of 2025-12-31
$5.36
Market cap 81.58B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $46.40 | +765.67% |
| Intrinsic Value(DCF) | $351.47 | +6,457.28% |
| Graham-Dodd Method(GD) | $2.90 | -45.9% |
| Graham Formula(GF) | $32.50 | +506.34% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $1.35 | $35.46 | $0.00 | $2.20 | $2.00 |
| 2012 | $1.92 | $32.40 | $0.00 | $2.50 | $0.00 |
| 2013 | $3.53 | $34.55 | $0.00 | $2.50 | $0.20 |
| 2014 | $3.01 | $36.16 | $0.87 | $3.70 | $0.00 |
| 2015 | $2.69 | $34.95 | $0.78 | $2.50 | $0.20 |
| 2016 | $2.33 | $30.44 | $1.08 | $2.00 | $1.70 |
| 2017 | $2.73 | $31.26 | $1.28 | $2.40 | $1.60 |
| 2018 | $2.39 | $31.05 | $1.50 | $2.70 | $0.00 |
| 2019 | $1.82 | $31.47 | $1.06 | $1.90 | $4.90 |
| 2020 | $1.82 | $37.29 | $0.91 | $3.50 | $0.00 |
| 2021 | $1.89 | $28.71 | $1.58 | $5.00 | $3.60 |
| 2022 | $2.01 | $37.21 | $0.81 | $3.00 | $5.60 |
| 2023 | $2.23 | $46.92 | $8.18 | $3.50 | $27.60 |
| 2024 | $3.63 | $24.35 | $0.05 | $2.60 | $7.00 |
| 2025 | $5.47 | $34.62 | $107.59 | $2.90 | $32.50 |
AI valuation
Our deep-learning model estimates Lloyds Banking Group plc's (LYG) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $46.40
- Current price
- $5.36
- AI upside
- +765.67%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$351.47
+6,457.28% upside
Graham-Dodd
$2.90
-45.9% upside
Graham Formula
$32.50
+506.34% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| LYG | Lloyds Banking Group plc | $5.36 | 81.58B | +546% | +6,457% | -46% | +506% | 14.87 | 1.46 | 0.94 | 13.30 | 185.88 | 1.83 | 29.88% | 10.25% | 7.17% | 9.37% | 7.13% | 0.44% | 2.11 | 0.39 | 0.94 | 0.91 | 4.73 | 800.00% | 7281.00% | -9286.00% | -1.02% | 0.06 | -0.94% | 3.21% | 47.70% | 5.95% | 13.30 | -141.76 | 1.36 | 0.14 |
| DB | Deutsche Bank AG | $35.42 | 67.67B | +222% | -58% | +67% | -97% | 9.47 | 0.83 | 1.08 | -5.79 | 7.54 | 0.92 | 49.95% | 15.96% | 11.39% | 8.86% | -795.07% | 0.49% | 2.98 | 0.34 | 15.91 | 15.91 | 7.13 | 12555.00% | -825.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -5.79 | — | -0.92 | 0.37 |
| HDB | HDFC Bank Limited | $31.85 | 163.37B | -34% | +356% | -51% | +24% | 25.23 | 2.26 | 4.13 | 16.85 | 954.41 | 3.70 | 52.21% | 20.54% | 16.06% | 9.39% | 12.37% | 1.49% | 0.97 | 0.47 | 0.34 | 0.33 | 4.58 | 264.00% | 1915.00% | 1660.00% | 6.52% | 0.04 | 20.34% | 0.91% | 23.00% | 3.75% | 18.09 | 13.80 | 3.71 | -0.01 |
| ITUB | Itaú Unibanco Holding S.A… | $9.05 | 99.79B | +131% | +61% | — | +112% | 11.94 | 2.57 | 1.37 | 26.68 | 300.88 | 2.91 | 34.49% | 13.07% | 11.66% | 21.17% | 5.41% | 1.48% | 4.95 | 0.23 | 0.77 | 0.00 | 17.57 | 397.00% | 1803.00% | -23064.00% | 24.42% | 0.14 | 15.12% | 9.02% | 107.70% | 9.59% | 30.60 | 11.99 | 4.00 | 0.20 |
| MFG | Mizuho Financial Group, I… | $8.87 | 109.55B | -49% | +18% | -39% | -10% | 8.85 | 1.01 | 1.22 | -8.64 | 28.79 | 1.09 | 41.79% | 13.84% | 10.30% | 11.51% | -11.15% | 0.42% | 5.83 | 0.24 | 0.39 | 0.39 | -8.31 | 3072.00% | 947.00% | -35589.00% | -39.57% | -0.02 | 52.27% | 2.89% | 25.60% | 3.87% | -10.14 | 2.90 | -1.40 | -0.48 |
| PNC | The PNC Financial Service… | $212.35 | 85.66B | +10% | -32% | -52% | -88% | 12.25 | 1.39 | 2.69 | 11.87 | 59.04 | 1.84 | 71.66% | 27.08% | 22.13% | 11.99% | 10.11% | 1.22% | 0.94 | 0.78 | 0.81 | 0.80 | 5.87 | 2074.00% | -698.00% | 1995.00% | 11.20% | 0.02 | 13.66% | 3.49% | 42.70% | 5.07% | 12.00 | 10.77 | 3.25 | 0.17 |
| TFC | Truist Financial Corporat… | $49.31 | 63.08B | +17% | -22% | -53% | +177% | 11.83 | 0.96 | 2.06 | 12.37 | 86.43 | 1.34 | 62.21% | 20.86% | 17.44% | 8.24% | 6.20% | 0.98% | 1.07 | 0.63 | 0.87 | 0.87 | 4.74 | 1369.00% | 2550.00% | 0.00% | 3.45% | 0.01 | 2.53% | 4.77% | 56.50% | 10.34% | 13.74 | 40.31 | 2.87 | 0.11 |
| USB | U.S. Bancorp | $54.66 | 85B | +4% | -5% | +6% | -24% | 11.22 | 1.30 | 1.98 | 11.27 | 51.87 | 1.78 | 62.83% | 22.20% | 17.68% | 12.23% | 17.78% | 1.10% | 1.20 | 0.66 | 2.73 | 2.73 | 3.02 | 2164.00% | 35.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 12.19 | — | 2.71 | 0.40 |
About Lloyds Banking Group plc
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom. It operates through three segments: Retail; Commercial Banking; and Insurance and Wealth. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, motor finance, unsecured loans, leasing solutions, and credit cards to personal and small business customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, debt financing, and debt capital market services to small and medium-sized entities, corporates, and financial institutions. The Insurance and Wealth segment offers insurance, investment and wealth management products and services. It also provides digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows brands. Lloyds Banking Group plc was founded in 1695 and is based in London, the United Kingdom.
- CEO
- Charles Alan Nunn
- Employees
- 61.23K
- Beta
- 0.98
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($351.47 ÷ $5.36) − 1 = +6,457.28% (DCF, example).