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Lloyds Banking Group Plc

Lloyds Banking (LLOY)

Company name:Lloyds Banking Group Plc
Company Description:A group engaged in the provision of a comprehensive range of banking and financial services
EPIC:LLOYTrading Currency:GBX
Market Sector:FE10ISIN:GB0008706128
Market Segment:SET1Share Type:DE
WWW Address:http://www.lloydsbankinggroup.comDescription:ORD 10P
Industry Sector:BANKS
 Price Price Change [%] Bid Offer Open High Low Volume
 57.85 uk.advfn.com/p.php?gfx=/gb/up 0.17 [0.29] 57.95 57.96 57.60 58.07 57.32 88,821,489
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 41,048.61 70,956.98 -0.01 5.50 3.21 10.52 5.55 66.79 - 49.52

Lloyds Banking Key Figures

(at previous day's close)
Market Cap.41,048.61m
Shares In Issue70,956.98m
Prev. Close57.68
PE Ratio10.52 
Dividend Yield5.55%
EPS - basic5.50p
Dividend PS3.21p
Dividend Cover1.71 
Cash Flow PS-15.65p
Return On Equity (ROE)7.75%
Operating Margin26.98%
PEG Factor0.42 
EPS Growth Rate25.00%
Dividends PS Growth Rate5.25%
Net Debt692,736.00m
Gross Gearing93.71%
Quick Assets548,262.00m
Net Working Capital-m
Intangibles / Fixed Assets4.18%
Turnover PS31.13p
Pre-Tax Profit PS8.40p
Retained Profit PS2.30p
Cash PS77.04p
Net Cash PS77.04p
Net Tangible Asset Value PS *55.68p
Net Asset Value PS70.75p
Spread0.01 (0.02%) 

Lloyds Banking Balance Sheet

LSE:LLOY:Liabilities+EQLSE:LLOY:Assets

Share Price Performance

Sample Period HighLow
1 week58.7257.32
4 weeks59.4056.16
12 weeks66.5356.16
1 year66.7949.52

Share Price Chart (5 years)

Lloyds Banking Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week58.11-0.26-0.4557.32119.6657.78
4 weeks57.91-0.06-0.1056.16142.0857.66
12 weeks66.53-8.68-13.0556.16156.7559.36
26 weeks56.051.803.2154.93162.3260.45
1 year62.75-4.90-7.8149.52173.2258.96
3 years55.812.043.6649.52173.9862.57
5 years72.88-15.03-20.6247.10167.4466.69

Lloyds Banking Key Management Ratios

Lloyds Banking Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio- 
PE Ratio10.52 
Tobin's Q Ratio 0.05 
Tobin's Q Ratio (excl. intangibles)0.05 
Dividend Yield5.55%
Market-to-Book Ratio0.82 
Price-to-Pre-Tax Profit PS6.89 
Price-to-Retained Profit PS25.20 
Price-to-Cash Flow PS-3.70 
Price-to-Sales PS1.86 
Price-to-Net Tangible Asset Value PS1.03 
Price-to-Cash PS0.75 
Net Working Capital PS- 
Price Pct to Working Capital PS-%
Earnings Yield9.51%
Average PE36.46 
Years in average5 
PE to PE average28.85%

Lloyds Banking Financial Ratios

(Leverage Ratios)
Debt Ratio93.71%
Debt-to-Equity Ratio14.89 
Debt-to-Equity Ratio (excl. Intgbl)18.79 
Debt-to-Equity Market Value18.21 
Net Gearing86.85%
Net Gearing (excl. Intangibles)88.00%
Gross Gearing93.71%
Gross Gearing (excl. Intangibles)94.95%
Gearing Under 1 Year-%
Gearing Under 1 Year (excl. Intgbl)-%
Assets/Equity15.89 
Cash/Equity108.89 
(Liquidity Ratios)
Net Working Capital to Total Assets68.74%
Current Ratio- 
Quick Ratio (Acid Test)- 
Liquidity Ratio- 
Cash & Equiv/Current Assets9.97%
(Solvency Ratios)
Enterprise Value734,058.61m
CFO/Sales-0.50 
CFO/Attributable Profit- 
CFO/Assets-0.01 
CFO/Debt-0.01 
Total Debt/Equity Market Value18.21 
Total Debt/Sales33.83 
Total Debt/Pre-Tax Profit125.40 
Total Debt747,399.00m
Total Debt/Net Current Assets1.36%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth23.78%
5 yr Compound Earnings Growth26.47%
10 yr Compound Earnings Growth-%
Earn drops > 5% in 10yrs8 
Beta (60-Mnth)Beta (36-Mnth)
-0.00890.0194

Lloyds Banking Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)0.75%
Return On Assets (ROA)0.48%
Net Profit Margin17.51%
Assets Turnover0.03 
Return On Equity (ROE)7.75%
Return On Investment (ROI)0.48%
Dividend Payout Ratio58.36%
Plowback Ratio41.64%
Growth from Plowback Ratio3.26%
Net Income Of Revenues7.37%
(Asset Utilisation Multiples)
Shareholders Equity Turnover0.45 
Fixed Assets Turnover0.08 
Current Assets Turnover0.04 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales36.43 
Debtors-to-Sales2,208.51%
Debt Collection Period8,061.05Days

Lloyds Banking Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
20 Feb 2019FinalGBX2.1431/12/201731/12/201804/04/201905/04/201921/05/20193.21
01 Aug 2018InterimGBX1.0731/12/201731/12/201816/08/201817/08/201826/09/2018-
21 Feb 2018FinalGBX2.0531/12/201631/12/201719/04/201820/04/201829/05/20183.05
27 Jul 2017InterimGBX1.0031/12/201631/12/201710/08/201711/08/201727/09/2017-
22 Feb 2017SpecialGBX0.5031/12/201531/12/201606/04/201707/04/201716/05/2017-
22 Feb 2017FinalGBX1.7031/12/201531/12/201606/04/201707/04/201716/05/20173.05
28 Jul 2016InterimGBX0.8531/12/201531/12/201611/08/201612/08/201628/09/2016-
25 Feb 2016SpecialGBX0.5031/12/201431/12/201507/04/201608/04/201617/05/2016-
25 Feb 2016FinalGBX1.5031/12/201431/12/201507/04/201608/04/201617/05/20162.75
31 Jul 2015InterimGBX0.7530/12/201430/06/201513/08/201514/08/201528/09/2015-
27 Feb 2015FinalGBX0.7531/12/201331/12/201402/04/201507/04/201519/05/20150.75
26 Feb 2010FinalGBX-31/12/200831/12/2009----
27 Feb 2009FinalGBX-31/12/200731/12/2008---11.40
06 May 2008InterimGBX11.4030/12/200730/06/200806/08/200808/08/200801/10/200811.40
22 Feb 2008FinalGBX24.7031/12/200631/12/200705/03/200807/03/200807/05/200835.90
31 Jul 2007InterimGBX11.2030/12/200630/06/200708/08/200710/08/200703/10/2007-
25 Feb 2007FinalGBX23.5031/12/200531/12/200607/03/200709/03/200702/05/200734.20
02 Aug 2006InterimGBX10.7030/12/200530/06/200609/08/200611/08/200604/10/2006-
24 Feb 2006FinalGBX23.5031/12/200431/12/200508/03/200610/03/200603/05/200634.20
29 Jul 2005InterimGBX10.7030/12/200430/06/200510/08/200512/08/200505/10/2005-
04 Mar 2005FinalGBX23.5031/12/200331/12/200416/03/200518/03/200504/05/200534.20
30 Jul 2004InterimGBX10.7030/12/200330/06/200411/08/200413/08/200406/10/2004-
08 Mar 2004FinalGBX23.5029/12/200229/12/200317/03/200419/03/200405/05/200434.20
31 Jul 2003InterimGBX10.7030/12/200230/06/200313/08/200315/08/200308/10/2003-
14 Feb 2003FinalGBX23.5031/12/200131/12/200226/02/200328/02/200307/05/200334.20
02 Aug 2002InterimGBX10.7030/12/200130/06/200214/08/200216/08/200209/10/2002-
15 Feb 2002FinalGBX23.5031/12/200031/12/200127/02/200201/03/200201/05/200233.70
27 Jul 2001InterimGBX10.2030/12/200030/06/200108/08/200110/08/200110/10/2001-
16 Feb 2001FinalGBX21.3031/12/199931/12/200028/02/200102/03/200102/05/200130.60
28 Jul 2000InterimGBX9.3030/12/199930/06/200007/08/200011/08/200011/10/2000-
11 Feb 2000FinalGBX18.5031/12/199831/12/199921/02/200025/02/200003/05/200026.60
30 Jul 1999InterimGBX8.1030/12/199830/06/199909/08/199913/08/199913/10/1999-
12 Feb 1999FinalGBX15.5031/12/199731/12/199822/02/199926/02/199905/05/199922.20
31 Jul 1998InterimGBX6.7030/12/199730/06/199810/08/199814/08/199809/10/1998-
13 Feb 1998FinalGBX11.9031/12/199631/12/199723/02/199827/02/199801/05/199817.20

Lloyds Banking Fundamentals

 31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
turnover23,150.00100.00%39,611.00100.00%34,237.00100.00%22,091.00100.00%m
pre tax profit1,644.007.10%4,238.0010.70%5,275.0015.41%5,960.0026.98%m
attributable profit466.002.01%2,001.005.05%3,042.008.89%3,869.0017.51%m
retained profit-604.00-2.61%789.001.99%758.002.21%1,629.007.37%m
eps - basic (p)0.80 2.90 4.40 5.50 
eps - diluted (p)0.80 2.90 4.30 5.50 
dividends per share2.75 3.05 3.05 3.21 

Lloyds Banking Balance Sheet

 31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
LSE:LLOY:Liabilities+EQLSE:LLOY:AssetsLSE:LLOY:Liabilities+EQLSE:LLOY:AssetsLSE:LLOY:Liabilities+EQLSE:LLOY:AssetsLSE:LLOY:Liabilities+EQLSE:LLOY:Assets
 31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
ASSETS
fixed assets fixed assets12,979.001.61%12,972.001.59%12,727.001.57%12,300.001.54%m
intangibles intangibles8,450.001.05%8,739.001.07%9,984.001.23%10,419.001.31%m
fixed investments fixed investments223,744.0027.74%260,330.0031.83%248,713.0030.63%226,617.0028.41%m
current assets - other current assets - other13,864.001.72%--%--%--%m
stocks stocks--%--%--%--%m
debtors debtors489,234.0160.65%488,299.9959.71%482,164.0259.37%493,599.0061.89%m
cash & securities cash & securities58,417.007.24%47,452.005.80%58,521.007.21%54,663.006.85%m
TOTAL806,688.01100%817,792.98100%812,109.02100%797,598.00100%m
LIABILITIES
creditors - short creditors - short--%--%--%--%m
creditors - long creditors - long--%--%--%--%m
creditors - other creditors - other656,102.0081.33%654,757.0080.06%641,630.9979.01%630,869.0079.10%m
subordinated loans subordinated loans23,312.002.89%19,831.002.42%17,922.002.21%17,656.002.21%m
insurance funds insurance funds80,294.009.95%94,390.0011.54%103,413.0012.73%98,874.0012.40%m
TOTAL759,708.0094.18%768,978.0094.03%762,965.9993.95%747,399.0093.71%m
EQUITY
ord cap, reserves ord cap, reserves46,589.005.78%48,375.005.92%48,906.006.02%49,925.006.26%m
prefs, minorities prefs, minorities391.000.05%440.000.05%237.000.03%274.000.03%m
TOTAL46,980.005.82%48,815.005.97%49,143.006.05%50,199.006.29%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

Lloyds Banking Cash Flow Statement

31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
Operating CF16,372.002,074.00-3,195.00-11,107.00m
Pre-Financing CF13,062.001,388.003,613.00814.00m
Retained CF6,806.00-9,565.00-1,406.00-3,484.00m

Lloyds Banking Brokers

NameActivityTypeMnemonicCode
Evolution Securities LimitedMarket Maker(MME)Broker/DealerEVOEVBGGB21MMT
Fox-Davies Capital LtdMarket Maker(MME)Broker/DealerFOXYFOXD1234
Winterflood Securities LtdMarket Maker(MME)Broker/DealerWINSWNTSGB2LBIC
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P: V:gb D:20190716 04:05:27