WallStSmart

Lloyds Banking Group PLC ADR (LYG)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 21470% more annual revenue ($4.02T vs $18.63B). MFG leads profitability with a 26.1% profit margin vs 25.0%. MFG appears more attractively valued with a PEG of 0.86. LYG earns a higher WallStSmart Score of 77/100 (B+).

LYG

Strong Buy

77

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 10.0Quality: 5.8
Piotroski: 4/9

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LYGUndervalued (+66.5%)

Margin of Safety

+66.5%

Fair Value

$17.32

Current Price

$5.11

$12.21 discount

UndervaluedFair: $17.32Overvalued
MFGUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$17.51

Current Price

$7.81

$9.70 discount

UndervaluedFair: $17.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LYG6 strengths · Avg: 9.0/10
Operating MarginProfitability
40.6%10/10

Strong operational efficiency at 40.6%

EPS GrowthGrowth
146.4%10/10

Earnings expanding 146.4% YoY

Market CapQuality
$73.74B9/10

Large-cap with strong market position

Profit MarginProfitability
25.0%9/10

Keeps 25 of every $100 in revenue as profit

PEG RatioValuation
0.968/10

Growing faster than its price suggests

P/E RatioValuation
13.6x8/10

Attractively priced relative to earnings

MFG6 strengths · Avg: 9.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$92.84B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Areas to Watch

LYG2 concerns · Avg: 2.5/10
Debt/EquityHealth
1.853/10

Elevated debt levels

Free Cash FlowQuality
$-622.00M2/10

Negative free cash flow — burning cash

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : LYG

The strongest argument for LYG centers on Operating Margin, EPS Growth, Market Cap. Profitability is solid with margins at 25.0% and operating margin at 40.6%. Revenue growth of 14.4% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.

Bear Case : LYG

The primary concerns for LYG are Debt/Equity, Free Cash Flow. Debt-to-equity of 1.85 is elevated, increasing financial risk.

Bear Case : MFG

No major red flags identified for MFG, but monitor valuation.

Key Dynamics to Monitor

LYG carries more volatility with a beta of 0.93 — expect wider price swings.

LYG is growing revenue faster at 14.4% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

LYG scores higher overall (77/100 vs 74/100), backed by strong 25.0% margins and 14.4% revenue growth. MFG offers better value entry with a 42.4% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Lloyds Banking Group PLC ADR

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Lloyds Banking Group plc, offers a range of banking and financial services in the UK and internationally. The company is headquartered in London, the United Kingdom.

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Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

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