Lloyds Banking Group plc (LYG): one to watch?

Fairly priced, not a bargain — a well-known, well-provisioned legal cost caps upside while analysts see only modest gains from here.

👀 WATCH Fundamentals66/100

Down 88% from its all-time high of $46.47 — now $5.77

Why LYG dropped

Lloyds never recovered from the 2008 financial crisis, and its recent weakness (down from a 30-day high) reflects the UK motor-finance mis-selling scandal, where regulators are forcing lenders like Lloyds' Black Horse unit to compensate customers for undisclosed dealer commissions.

Fwd P/E 9.0Op margin 45.0%Rev growth 12.3%Debt/equity —Analyst upside 14.0%

How this scored 66/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 26.4%

✅ Generates cash Free cash flow unknown

✅ Not drowning in debt Debt/equity unknown — exempt (banks run on leverage by design)

✅ Can pay its bills Exempt (financials)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 20/25

Operating margin 45.0% 9/9

Net profit margin 26.4% 8/8

Return on equity 11.3% 3/8

Growth Is it getting bigger, or dying? 19/25

Revenue growth 12.3% 5/9

Earnings growth 17.7% 6/8

Expected profit change 53.0% 8/8

Value Is it cheap right now? 19/25

Forward P/E 9.0 10/10

PEG ratio 0.6 8/8

Analyst target upside 14.0% 2/7

Balance sheet Will it survive? 8/25

Debt / equity unknown 3/10

Current ratio unknown 2/8

Free cash flow unknown 2/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-09-28. Research only — not financial advice.