Lloyds Banking Group plc LLOY.L
Composite 63/100; the shares have moved about 29% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Balance-sheet strength ranks 46/100 — a slight mark against it.
Momentum ranks 78/100 — a strong point in its favour. Income ranks 78/100 — a strong point in its favour. Valuation ranks 71/100 — a moderate point in its favour.
Balance-sheet strength ranks 46/100 — a slight mark against it.
What the company does Lloyds Banking Group plc offers retail and commercial banking, insurance, pensions, and investment products in the UK under brands like Lloyds Bank, Halifax, and Scottish Widows. Its segments include Retail (current accounts, mortgages, credit cards), Commercial Banking (lending, transactional services), and Insurance, Pensions & Investments (life assurance, wealth management).
Key financials Lloyds reports ROE 10.8%, net margin 26.5%, and revenue/EPS growth of 11.5%/44.7%. Dividend yield is 3.3% with a 43.8% payout ratio. Forward P/E is 11.89x and PEG 0.58x, while valuation percentile is 74.9/100. Sideravia scores Valuation 74.9 and Income 82.7, offset by Strength 35.7.
Stock health Momentum is strong: +41.54% over 12m, +14.73% in 3m, with RSI(14) at 51.00. Sideravia ranks Overall 60.8 (average quality, positive momentum). Recent headlines highlight profit growth and cost-cutting plans.
Price vs fair value The stock trades at a **PREMIUM of 1.90%** to our fair-value estimate of 109.21 and a **discount of 6.26%** to the 19-analyst 12-month target of 118.32. - H1 2026 profit rose 23% (PA Media: Money). - CEO touted £2bn cost cuts by 2030 (Bloomberg). - Earnings call highlighted strong profit growth (GuruFocus.com). - Sideravia flags attractive valuation despite average quality (Sideravia).
Looking forward Analysts expect further upside to 118.32, driven by cost discipline and profit growth. Forward P/E compression to 11.89x suggests improving earnings power. Watch execution on £2bn cost cuts and macro sensitivity.
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Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.