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Lloyds Banking Group Plc (LLOY:LN) Financials/Banks Price: 45.43 GBX Report Date: September 24, 2021 Business Description and Key Statistics Lloyds Banking Group is a holding company. Through its Current YTY % Chg subsidiaries, Co. is a financial services provider. Co. has the following segments: Retail, which provides a range of financial Revenue LFY (M) 33,872 -32.8 service products, including current accounts, savings, mortgages, EPS Diluted LFY 0.01 -64.7 motor finance and unsecured consumer lending to personal and small business customers; Commercial Banking, which provides a Market Value (M) 31,913 range of products and services such as lending, transactional banking, working capital management, risk management and debt Shares Outstanding LFY (000) 70,247,206 capital markets services to SMEs, corporates and financial Book Value Per Share 0.70 institutions; and Insurance and Wealth, which provides insurance, investment and wealth management products and services. EBITDA Margin % Net Margin % 2.5 Website: www.lloydsbankinggroup.com Long-Term Debt / Capital % ICB Industry: Financials Dividends and Yield TTM 0.01 - 1.25% ICB Subsector: Banks Payout Ratio TTM % 100.0 Address: 25 Gresham Street;5th Floor London 60-Day Average Volume (000) 148,326 GBR 52-Week High & Low 50.00 - 24.58 Employees: 61,576 Price / 52-Week High & Low 0.91 - 1.85 Price, Moving Averages & Volume 51.2 51.2 Lloyds Banking Group Plc is currently trading at 45.43 which is 1.3% above its 50 day 47.9 47.9 moving average price of 44.83 and 6.5% above its 200 day 44.6 44.6 moving average price of 42.66. LLOY:LN is currently 9.1% 41.3 41.3 below its 52-week high price of 50.00 and is 84.8% above its 52-week low price of 24.58. 38.1 38.1 Over the past 52-weeks, LLOY:LN is up 84.8% while on 34.8 34.8 a calendar year-to-date basis it is up 24.7%. 31.5 31.5 The Relative Strength Index (RSI) indicator for LLOY:LN is currently 57.26. An RSI value 28.2 28.2 of 70 and above is considered overbought and 30 and below 24.9 24.9 oversold. 10/20 11/20 12/20 1/21 2/21 3/21 4/21 5/21 6/21 7/21 8/21 9/21 Volume (000) 580,135 580,135 442,805 442,805 305,475 305,475 Mean (203334.14) 168,145 168,145 30,815 30,815 10/20 11/20 12/20 1/21 2/21 3/21 4/21 5/21 6/21 7/21 8/21 9/21 Price Price (50-Day Simple Moving Average) Price (200-Day Simple Moving Average) Copyright © 2021 FTSE Russell 1 www.ftserussell.com Lloyds Banking Group Plc (LLOY:LN) Financials/Banks Price: 45.43 GBX Report Date: September 24, 2021 Price Performance, Technical Indicators & Risk Metrics Difference Price Performance % Change vs FTSE 350 Technical Indicators 1-Day % 0.82 1.30 50-Day Average Price 44.83 1-Week % 0.85 0.59 Price / 50-Day Average 1.01 4-Week % 2.72 4.14 200-Day Average Price 42.66 52-Week % 84.83 60.48 Price / 200-Day Average 1.06 RSI - Relative Strength Index 57.26 Quarter-to-Date % -2.70 -3.83 Year-to-Date % 24.67 14.45 Risk Metrics Last Month % -4.08 -6.00 Price Volatility 0.88 Last Quarter % 9.77 5.10 Sharpe Ratio 0.00 Last Calendar Year % -41.70 -28.71 Sortino Ratio 0.00 5-Year Price Performance vs. FTSE 350 Lloyds Banking Group Plc Current: 0.83 CAGR: -3.6% Over the past five years, FTSE 350 Index Current: 1.18 CAGR: 3.4% Lloyds Banking Group Plc's stock price is down 16.7% 1.4 1.4 which is 35.1% below the FTSE 350 Index performance of 18.4% over the same 1.3 1.3 period. Lloyds Banking Group Plc's cumulative annualized 1.2 1.2 growth rate (CAGR) over the ^NMX:LN five year period has been -3.6% while that of the FTSE 1.1 1.1 350 Index has been 3.4%. Over the past year, Lloyds 1.0 1.0 Banking Group Plc's stock price performance of 84.8% 1.0 1.0 has outperformed that of the FTSE 350 Index by 60.5%. On a year-to-date basis, 0.9 0.9 Lloyds Banking Group Plc's LLOY:LN stock price performance of 0.8 0.8 24.7% has outperformed the FTSE 350 Index by 14.5%. 0.7 0.7 Over the past week, Lloyds Banking Group Plc's stock price performance of 0.9% has 0.6 0.6 outperformed that of the FTSE 350 Index by 0.6%. 0.6 0.6 0.5 0.5 0.4 0.4 2017 2018 2019 2020 2021 2022 Copyright © 2021 FTSE Russell 2 www.ftserussell.com Lloyds Banking Group Plc (LLOY:LN) Financials/Banks Price: 45.43 GBX Report Date: September 24, 2021 Growth and Profitability Metrics 5-Year 10-Year Historical Growth 3-Year 5-Year 10-Year Profitability Current Average Average Revenues % -5.9 1.9 -5.8 Gross Margin % Revenues Per Share % -5.6 2.2 -10.5 EBITDA Margin % EBITDA % Pre-Tax Margin % 3.7 11.5 12.0 EPS Diluted % -34.7 8.4 999.9 Net Margin % 2.5 6.8 3.3 Free Cash Flow % 999.9 13.7 999.9 Return on Equity % 1.7 5.2 2.3 Cash from Operations % 999.9 10.7 999.9 Return on Capital % 0.6 1.7 0.8 Book Value % 1.0 1.4 0.4 Return on Assets % 0.1 0.3 0.1 Revenue (M) Lloyds Banking Group Plc's cumulative annualized revenue Current: 33872.00 Median: 40713.00 High: 50387.00 Low: 26430.00 CAGR: -8.5% growth rate over the charted 55,178.4 55,178.4 50,387.0 period is -8.5%. This 48,313.0 compares to cumulatative 45,196.3 40,713.0 45,196.3 annualized growth of -5.9% over the past 3 years. 35,214.2 33,872.0 35,214.2 26,430.0 25,232.2 25,232.2 2016 2017 2018 2019 2020 2021 Lloyds Banking Group Plc's EPS Diluted cumulative annualized EPS Current: 0.01 Median: 0.03 High: 0.06 Low: 0.01 CAGR: -15.9% growth rate over the charted 0.070 0.070 period is -15.9%. This 0.060 compares to cumulatative 0.049 0.049 annualized growth of -34.7% 0.040 over the past 3 years. 0.030 0.028 0.020 0.028 0.010 0.008 0.008 2016 2017 2018 2019 2020 2021 Net Profit Margin % Lloyds Banking Group Plc's net profit margin of 2.5% is Current: 2.53 Median: 5.91 High: 15.06 Low: 2.53 CAGR: -6.0% 4.3% below the period's mean 15.7 15.7 net margin of 6.8%. During the charted period, the 11.1 11.1 observed net profit margin high and low were 15.1% and Mean (6.82) 6.5 6.5 2.5% respectively. 1.9 1.9 2016 2017 2018 2019 2020 2021 Lloyds Banking Group Plc's Return on Equity % return on equity of 1.7% is Current: 1.70 Median: 5.30 High: 8.10 Low: 1.70 CAGR: -12.5% 3.5% below the period's mean 8.4 8.4 return on equity of 5.2%. During the charted period, the 6.1 6.1 observed ROE high and low Mean (5.20) were 8.1% and 1.7% respectively. 3.7 3.7 1.4 1.4 2016 2017 2018 2019 2020 2021 Copyright © 2021 FTSE Russell 3 www.ftserussell.com Lloyds Banking Group Plc (LLOY:LN) Financials/Banks Price: 45.43 GBX Report Date: September 24, 2021 Valuation Metrics 5-Year 10-Year 5-Year 10-Year Current Median Median Current Median Median Price / EPS TTM 37.9 15.9 38.2 Earnings Yield % 2.41 6.43 2.63 Price / Sales 1.0 1.0 1.0 Free Cash Flow Yield % 74.95 0.00 4.98 Price / Operating Cash Flow 9.2 6.8 10.4 Dividend Yield % 1.25 5.14 Price / Book Value 0.7 0.8 0.9 Enterprise Value / EBITDA Price / EPS TTM Lloyds Banking Group Plc is trading at 37.86 times its EPS Current: 37.86 Median: 15.88 High: 41.58 Low: 9.44 CAGR: 2.1% generated during the latest 43.2 43.2 fiscal year. This multiple is above the historically observed 31.4 31.4 median of 15.88, while high and low observations have been 41.58 and 9.44. 19.6 Median (15.88) 19.6 7.8 7.8 2016 2017 2018 2019 2020 2021 Price / Sales Lloyds Banking Group Plc is trading at a Price to Sales ratio Current: 0.96 Median: 1.03 High: 1.78 Low: 0.42 CAGR: -0.8% of 0.96 based on sales 1.85 1.85 generated during the latest fiscal year. This ratio is below 1.35 1.35 the historically observed median ratio of 1.03, while Median (1.03) high and low observations 0.85 0.85 have been 1.78 and 0.42. 0.35 0.35 2016 2017 2018 2019 2020 2021 Lloyds Banking Group Plc is Price / Book Value trading at a Price to Book ratio Current: 0.65 Median: 0.84 High: 1.07 Low: 0.36 CAGR: -4.1% of 0.65 based on book value at 1.1 1.1 the latest fiscal year end.
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