Lloyds Banking Group PLC ADR (LYG)vsWaFd, Inc. (WAFD)
LYG
Lloyds Banking Group PLC ADR
$6.28
+1.45%
FINANCIAL SERVICES · Cap: $90.28B
WAFD
WaFd, Inc.
$37.16
-0.83%
FINANCIAL SERVICES · Cap: $2.72B
Smart Verdict
WallStSmart Research — data-driven comparison
Lloyds Banking Group PLC ADR generates 2488% more annual revenue ($19.69B vs $761.06M). WAFD leads profitability with a 33.7% profit margin vs 26.4%. LYG appears more attractively valued with a PEG of 0.76. WAFD earns a higher WallStSmart Score of 72/100 (B).
LYG
Strong Buy70
out of 100
Grade: B
WAFD
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 45.0%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.1%
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : LYG
The strongest argument for LYG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.4% and operating margin at 45.0%. Revenue growth of 12.3% demonstrates continued momentum.
Bull Case : WAFD
The strongest argument for WAFD centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.7% and operating margin at 46.1%.
Bear Case : LYG
No major red flags identified for LYG, but monitor valuation.
Bear Case : WAFD
The primary concerns for WAFD are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
LYG carries more volatility with a beta of 0.91 — expect wider price swings.
LYG is growing revenue faster at 12.3% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WAFD scores higher overall (72/100 vs 70/100), backed by strong 33.7% margins. 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.
Visit Website →WaFd, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Washington Federal, Inc. is the banking holding company for Washington Federal Bank, a National Association that provides loans, deposits, insurance, and other banking services in the United States. The company is headquartered in Seattle, Washington.
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