Lloyds Banking Group PLC ADR (LYG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Lloyds Banking Group PLC ADR stock (LYG) is currently trading at $5.11. Lloyds Banking Group PLC ADR PE ratio is 13.59. Lloyds Banking Group PLC ADR PS ratio (Price-to-Sales) is 3.96. Analyst consensus price target for LYG is $5.88. WallStSmart rates LYG as Buy.
- LYG PE ratio analysis and historical PE chart
- LYG PS ratio (Price-to-Sales) history and trend
- LYG intrinsic value — DCF, Graham Number, EPV models
- LYG stock price prediction 2025 2026 2027 2028 2029 2030
- LYG fair value vs current price
- LYG insider transactions and insider buying
- Is LYG undervalued or overvalued?
- Lloyds Banking Group PLC ADR financial analysis — revenue, earnings, cash flow
- LYG Piotroski F-Score and Altman Z-Score
- LYG analyst price target and Smart Rating
Lloyds Banking Group PLC ADR
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LYG Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Lloyds Banking Group PLC ADR (LYG)
LYG trades at a significant discount to its Graham intrinsic value of $17.32, offering a 67% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Lloyds Banking Group PLC ADR (LYG) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, operating margin. Concerns around institutional own.. Overall metrics suggest strong investment potential with favorable risk/reward.
Lloyds Banking Group PLC ADR (LYG) Key Strengths (6)
Growing significantly faster than its price suggests
Keeps $41 of every $100 in revenue after operating costs
Earnings per share surging 146.40% year-over-year
Keeps $25 of every $100 in revenue as net profit
Large-cap company with substantial market presence
Trading at 1.13x book value, attractively priced
Supporting Valuation Data
Lloyds Banking Group PLC ADR (LYG) Areas to Watch (4)
Very low institutional interest at 3.52%
Moderate profitability with room for improvement
Revenue is fairly priced at 3.96x sales
Solid revenue growth at 14.40% per year
Lloyds Banking Group PLC ADR (LYG) Detailed Analysis Report
Overall Assessment
This company scores 77/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.5/10) while 4 fall into concern territory (avg 4.8/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, EPS Growth. Valuation metrics including PEG Ratio (0.96), Price/Book (1.13) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 40.60%, Profit Margin at 25.00%. Growth metrics are encouraging with EPS Growth at 146.40%.
The Bear Case
The primary concerns are Institutional Own., Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.96) suggest expensive pricing. Growth concerns include Revenue Growth at 14.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Institutional Own. improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 14.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Operating Margin makes a compelling case at current levels. The key risk is Institutional Own., but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
LYG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
LYG's Price-to-Sales ratio of 3.96x trades 100% above its historical average of 1.98x (92th percentile), historically expensive. The current valuation is 14% below its historical high of 4.6x set in Nov 2014, and 1423% above its historical low of 0.26x in Feb 2010.
WallStSmart Analysis Synopsis
Data-driven financial summary for Lloyds Banking Group PLC ADR (LYG) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Lloyds Banking Group PLC ADR is a mature, profitable business with steady cash generation. Revenue reached 18.6B with 14% growth year-over-year. Profit margins are strong at 25.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1020.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 25.0% and operating margin of 40.6% demonstrate strong pricing power and operational efficiency.
Free cash flow is -622M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Lloyds Banking Group PLC ADR.
Bottom Line
Lloyds Banking Group PLC ADR is a well-established business delivering consistent profitability with 25.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Lloyds Banking Group PLC ADR(LYG)
NYSE
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.