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

Not a crash story — Lloyds has been rebuilding for years and just resolved its biggest overhang (motor finance mis-selling), but upside from here is modest.

👀 WATCH Fundamentals65/100

Down 87% from its all-time high of $46.47 — now $5.89

Why LYG dropped

The 87% drop is old news from the 2007-08 financial crisis, not something that just happened; the stock is actually near its 30-day high and up strongly this year, with the main recent worry — a UK regulatory redress scheme for car-loan commission mis-selling — now judged manageable by the company and analysts.

Fwd P/E 9.4Op margin 45.0%Rev growth 12.3%Debt/equity —Analyst upside 9.9%

How this scored 65/100

✅ 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 48.8% 8/8

Value Is it cheap right now? 18/25

Forward P/E 9.4 10/10

PEG ratio 0.6 8/8

Analyst target upside 9.9% 1/7

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 2026-09-11. Research only — not financial advice.