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:	LLOY	Trading Currency:	GBX
Market Sector:	FE10	ISIN:	GB0008706128
Market Segment:	SET1	Share Type:	DE
WWW Address:	http://www.lloydsbankinggroup.com	Description:	ORD 10P
Industry Sector:	BANKS

Price	Price Change [%]	Bid	Ask	Open	High	Low	Volume
31.89	1.19 [3.88]	31.90	31.92	31.16	32.06	30.93	141,617,532
Market Cap. [m]	Shares In Issue [m]	Beta	EPS	DPS	PE Ratio	Yield	52-Wks-Range
22,577.20	70,797.10	0.01	3.50	1.12	9.11	3.51	69.99 - 27.12

Lloyds Banking Key Figures

Key Figures
(at previous day's close)
Market Cap.	22,577.20	m
Shares In Issue	70,797.10	m
Prev. Close	30.70
PE Ratio	9.11
Dividend Yield	3.51	%
EPS - basic	3.50	p
Dividend PS	1.12	p
Dividend Cover	3.13
Cash Flow PS	15.93	p
Return On Equity (ROE)	6.14	%
Operating Margin	10.37	%
PEG Factor	-0.25
EPS Growth Rate	-36.36	%
Dividends PS Growth Rate	-65.11	%
Net Debt	730,957.00	m
Gross Gearing	94.27	%
Quick Assets	591,990.00	m
Net Working Capital	-	m
Intangibles / Fixed Assets	4.83	%
Turnover PS	59.83	p
Pre-Tax Profit PS	6.21	p
Retained Profit PS	0.87	p
Cash PS	77.87	p
Net Cash PS	77.87	p
Net Tangible Asset Value PS *	50.73	p
Net Asset Value PS	67.53	p
Spread	0.03 (0.08%)
* Calculation based on Ordinary Capital figure as contained in last annual report, and the most recent shares in issue figure. Therefore the ratio might be exposed to inaccuracies.

Lloyds Banking Balance Sheet

%1$s Balance Sheet

Share Price Performance

Share Price Performance
Sample Period ^†	High	Low
1 week	32.18	30.41
4 weeks	38.02	30.25
12 weeks	38.02	27.12
1 year	69.99	27.12

Share Price Chart (5 years)

Lloyds Banking Historic Returns

%1$s Historic Returns
Giorni da oggi ^†	Open	Change	%	Open Avg.	Avg. Daily Vol [m]	Total Vol [m]	VWAP
1 week	31.30	0.59	1.88	30.41	205.83		31.18
4 weeks	33.71	-1.82	-5.40	30.25	277.34		33.10
12 weeks	32.10	-0.21	-0.65	27.12	298.94		31.61
26 weeks	63.75	-31.86	-49.98	27.12	285.59		38.37
1 year	57.48	-25.59	-44.52	27.12	241.79		45.96
3 years	66.18	-34.29	-51.81	27.12	191.09		55.47
5 years	86.78	-54.89	-63.25	27.12	187.69		59.56
† periods calculated are whole weeks rather than calendar months

Lloyds Banking Key Management Ratios

DEEPER ANALYSIS

Lloyds Banking Investment Ratios

%1$s Investment Ratios
(Market value analysis) at previous day's close
PQ Ratio	2.01
PE Ratio	9.11
Tobin's Q Ratio	0.03
Tobin's Q Ratio (excl. intangibles)	0.03
Dividend Yield	3.51	%
Market-to-Book Ratio	0.47
Price-to-Pre-Tax Profit PS	5.14
Price-to-Retained Profit PS	36.83
Price-to-Cash Flow PS	2.00
Price-to-Sales PS	0.53
Price-to-Net Tangible Asset Value PS	0.63
Price-to-Cash PS	0.41
Net Working Capital PS	-
Price Pct to Working Capital PS	-	%
Earnings Yield	10.98	%
Average PE	31.11
Years in average	5
PE to PE average	29.29	%

Lloyds Banking Financial Ratios

%1$s Financial Ratios
(Leverage Ratios)
Debt Ratio	94.27	%
Debt-to-Equity Ratio	16.44
Debt-to-Equity Ratio (excl. Intgbl)	21.77
Debt-to-Equity Market Value	34.82
Net Gearing	87.66	%
Net Gearing (excl. Intangibles)	88.90	%
Gross Gearing	94.27	%
Gross Gearing (excl. Intangibles)	95.61	%
Gearing Under 1 Year	-	%
Gearing Under 1 Year (excl. Intgbl)	-	%
Assets/Equity	17.44
Cash/Equity	115.32
(Liquidity Ratios)
Net Working Capital to Total Assets	70.99	%
Current Ratio	-
Quick Ratio (Acid Test)	-
Liquidity Ratio	-
Cash & Equiv/Current Assets	9.31	%
(Solvency Ratios)
Enterprise Value	753,737.20	m
CFO/Sales	0.27
CFO/Attributable Profit	3.86
CFO/Assets	0.01
CFO/Debt	0.01
Total Debt/Equity Market Value	34.82
Total Debt/Sales	18.56
Total Debt/Pre-Tax Profit	178.94
Total Debt	786,087.01	m
Total Debt/Net Current Assets	1.33	%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth	-	%
5 yr Compound Earnings Growth	34.34	%
10 yr Compound Earnings Growth	-	%
Earn drops > 5% in 10yrs	9

Beta coefficients
Beta (60-Mnth)	Beta (36-Mnth)
0.0068	0.0311

Lloyds Banking Operating Ratios

%1$s Operating Ratios
(Profitability Ratios)
Return On Capital Employed (ROCE)	0.53	%
Return On Assets (ROA)	0.36	%
Net Profit Margin	6.91	%
Assets Turnover	0.05
Return On Equity (ROE)	6.14	%
Return On Investment (ROI)	0.36	%
Dividend Payout Ratio	32.00	%
Plowback Ratio	68.00	%
Growth from Plowback Ratio	4.08	%
Net Income Of Revenues	1.45	%
(Asset Utilisation Multiples)
Shareholders Equity Turnover	0.87
Fixed Assets Turnover	0.17
Current Assets Turnover	0.07
Net Working Capital Turnover
Inventory Turnover	-
(Other Operating Ratios)
Total Assets-to-Sales	19.26
Debtors-to-Sales	1,216.43	%
Debt Collection Period	4,439.96	Days

Lloyds Banking Dividends

%1$s Dividends
Announcement Date	Type	Curr.	Dividend Amount	Period Start	Period End	Ex Date	Record Date	Payment Date	Total Dividend Amount
31 Jul 2019	Interim	GBX	1.12	12/31/2018	12/31/2019	08/08/2019	08/09/2019	09/13/2019	1.12
20 Feb 2019	Final	GBX	2.14	12/31/2017	12/31/2018	04/04/2019	04/05/2019	05/21/2019	3.21
01 Aug 2018	Interim	GBX	1.07	12/31/2017	12/31/2018	08/16/2018	08/17/2018	09/26/2018	-
21 Feb 2018	Final	GBX	2.05	12/31/2016	12/31/2017	04/19/2018	04/20/2018	05/29/2018	3.05
27 Jul 2017	Interim	GBX	1.00	12/31/2016	12/31/2017	08/10/2017	08/11/2017	09/27/2017	-
22 Feb 2017	Special	GBX	0.50	12/31/2015	12/31/2016	04/06/2017	04/07/2017	05/16/2017	-
22 Feb 2017	Final	GBX	1.70	12/31/2015	12/31/2016	04/06/2017	04/07/2017	05/16/2017	3.05
28 Jul 2016	Interim	GBX	0.85	12/31/2015	12/31/2016	08/11/2016	08/12/2016	09/28/2016	-
25 Feb 2016	Final	GBX	1.50	12/31/2014	12/31/2015	04/07/2016	04/08/2016	05/17/2016	2.75
25 Feb 2016	Special	GBX	0.50	12/31/2014	12/31/2015	04/07/2016	04/08/2016	05/17/2016	-
31 Jul 2015	Interim	GBX	0.75	12/30/2014	06/30/2015	08/13/2015	08/14/2015	09/28/2015	-
27 Feb 2015	Final	GBX	0.75	12/31/2013	12/31/2014	04/02/2015	04/07/2015	05/19/2015	0.75
26 Feb 2010	Final	GBX	-	12/31/2008	12/31/2009	-	-	-	-
27 Feb 2009	Final	GBX	-	12/31/2007	12/31/2008	-	-	-	11.40
06 May 2008	Interim	GBX	11.40	12/30/2007	06/30/2008	08/06/2008	08/08/2008	10/01/2008	11.40
22 Feb 2008	Final	GBX	24.70	12/31/2006	12/31/2007	03/05/2008	03/07/2008	05/07/2008	35.90
31 Jul 2007	Interim	GBX	11.20	12/30/2006	06/30/2007	08/08/2007	08/10/2007	10/03/2007	-
25 Feb 2007	Final	GBX	23.50	12/31/2005	12/31/2006	03/07/2007	03/09/2007	05/02/2007	34.20
02 Aug 2006	Interim	GBX	10.70	12/30/2005	06/30/2006	08/09/2006	08/11/2006	10/04/2006	-
24 Feb 2006	Final	GBX	23.50	12/31/2004	12/31/2005	03/08/2006	03/10/2006	05/03/2006	34.20
29 Jul 2005	Interim	GBX	10.70	12/30/2004	06/30/2005	08/10/2005	08/12/2005	10/05/2005	-
04 Mar 2005	Final	GBX	23.50	12/31/2003	12/31/2004	03/16/2005	03/18/2005	05/04/2005	34.20
30 Jul 2004	Interim	GBX	10.70	12/30/2003	06/30/2004	08/11/2004	08/13/2004	10/06/2004	-
08 Mar 2004	Final	GBX	23.50	12/29/2002	12/29/2003	03/17/2004	03/19/2004	05/05/2004	34.20
31 Jul 2003	Interim	GBX	10.70	12/30/2002	06/30/2003	08/13/2003	08/15/2003	10/08/2003	-
14 Feb 2003	Final	GBX	23.50	12/31/2001	12/31/2002	02/26/2003	02/28/2003	05/07/2003	34.20
02 Aug 2002	Interim	GBX	10.70	12/30/2001	06/30/2002	08/14/2002	08/16/2002	10/09/2002	-
15 Feb 2002	Final	GBX	23.50	12/31/2000	12/31/2001	02/27/2002	03/01/2002	05/01/2002	33.70
27 Jul 2001	Interim	GBX	10.20	12/30/2000	06/30/2001	08/08/2001	08/10/2001	10/10/2001	-
16 Feb 2001	Final	GBX	21.30	12/31/1999	12/31/2000	02/28/2001	03/02/2001	05/02/2001	30.60
28 Jul 2000	Interim	GBX	9.30	12/30/1999	06/30/2000	08/07/2000	08/11/2000	10/11/2000	-
11 Feb 2000	Final	GBX	18.50	12/31/1998	12/31/1999	02/21/2000	02/25/2000	05/03/2000	26.60
30 Jul 1999	Interim	GBX	8.10	12/30/1998	06/30/1999	08/09/1999	08/13/1999	10/13/1999	-
12 Feb 1999	Final	GBX	15.50	12/31/1997	12/31/1998	02/22/1999	02/26/1999	05/05/1999	22.20
31 Jul 1998	Interim	GBX	6.70	12/30/1997	06/30/1998	08/10/1998	08/14/1998	10/09/1998	-
13 Feb 1998	Final	GBX	11.90	12/31/1996	12/31/1997	02/23/1998	02/27/1998	05/01/1998	17.20

Lloyds Banking Fundamentals

Profit and Loss Account
	31 Dec 2016 (GBP)		31 Dec 2017 (GBP)		31 Dec 2018 (GBP)		31 Dec 2019 (GBP)
turnover	39,611.00	100.00%	34,237.00	100.00%	22,091.00	100.00%	42,356.00	100.00%	m
pre tax profit	4,238.00	10.70%	5,275.00	15.41%	5,960.00	26.98%	4,393.00	10.37%	m
attributable profit	2,001.00	5.05%	3,042.00	8.89%	3,869.00	17.51%	2,925.00	6.91%	m
retained profit	789.00	1.99%	758.00	2.21%	1,629.00	7.37%	613.00	1.45%	m
eps - basic (p)	2.90		4.40		5.50		3.50
eps - diluted (p)	2.90		4.30		5.50		3.40
dividends per share	3.05		3.05		3.21		1.12

Lloyds Banking Balance Sheet

Balance Sheet
	31 Dec 2016 (GBP)		31 Dec 2017 (GBP)		31 Dec 2018 (GBP)		31 Dec 2019 (GBP)


	31 Dec 2016 (GBP)		31 Dec 2017 (GBP)		31 Dec 2018 (GBP)		31 Dec 2019 (GBP)
ASSETS
fixed assets	12,972.00	1.59%	12,727.00	1.57%	12,300.00	1.54%	13,104.00	1.57%	m
intangibles	8,739.00	1.07%	9,984.00	1.23%	10,419.00	1.31%	11,690.00	1.40%	m
fixed investments	260,330.00	31.83%	248,713.00	30.63%	226,617.00	28.41%	217,109.00	26.04%	m
current assets - other	-	-%	-	-%	-	-%	-	-%	m
stocks	-	-%	-	-%	-	-%	-	-%	m
debtors	488,299.99	59.71%	482,164.02	59.37%	493,599.00	61.89%	536,860.00	64.38%	m
cash & securities	47,452.00	5.80%	58,521.00	7.21%	54,663.00	6.85%	55,130.00	6.61%	m

TOTAL	817,792.98	100%	812,109.02	100%	797,598.00	100%	833,893.01	100%	m

LIABILITIES
creditors - short	-	-%	-	-%	-	-%	-	-%	m
creditors - long	-	-%	-	-%	-	-%	-	-%	m
creditors - other	654,757.00	80.06%	641,630.99	79.01%	630,869.00	79.10%	657,508.01	78.85%	m
subordinated loans	19,831.00	2.42%	17,922.00	2.21%	17,656.00	2.21%	17,130.00	2.05%	m
insurance funds	94,390.00	11.54%	103,413.00	12.73%	98,874.00	12.40%	111,449.00	13.36%	m

TOTAL	768,978.00	94.03%	762,965.99	93.95%	747,399.00	93.71%	786,087.01	94.27%	m

EQUITY
ord cap, reserves	48,375.00	5.92%	48,906.00	6.02%	49,925.00	6.26%	47,603.00	5.71%	m
prefs, minorities	440.00	0.05%	237.00	0.03%	274.00	0.03%	203.00	0.02%	m

TOTAL	48,815.00	5.97%	49,143.00	6.05%	50,199.00	6.29%	47,806.00	5.73%	m

OTHER
NAV Basic	-		-		-		-
NAV Diluted	-		-		-		-

Lloyds Banking Cash Flow Statement

%1$s Cash Flow Statement
	31 Dec 2016 (GBP)	31 Dec 2017 (GBP)	31 Dec 2018 (GBP)	31 Dec 2019 (GBP)
Operating CF	2,074.00	-3,195.00	-11,107.00	11,281.00	m
Pre-Financing CF	1,388.00	3,613.00	814.00	9,151.00	m
Retained CF	-9,565.00	-1,406.00	-3,484.00	2,587.00	m

Lloyds Banking Brokers

%1$s Brokers
Name	Activity	Type	Mnemonic	Code
Evolution Securities Limited	Market Maker(MME)	Broker/Dealer	EVO	EVBGGB21MMT
Fox-Davies Capital Ltd	Market Maker(MME)	Broker/Dealer	FOXY	FOXD1234
Winterflood Securities Ltd	Market Maker(MME)	Broker/Dealer	WINS	WNTSGB2LBIC