| Company Name: | Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs | | Ticker Symbol: | LYG | | | WWW Address: | www.lloydstsb.com | | CEO: | J Eric Daniels | | No. of Employees: | 58,756 | | Common Issue Type: | AD | | Business Description: | The Company provides banking and financial services in the United Kingdom, the United States and Europe. It operates through four divisions: Retail, Insurance, Wealth and International, and Wholesale.
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| | | Industry Information: | BANKING - Foreign Money Center Banks [more like this] |
| | Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 6.03 |  0.22 | 5.43 | 6.45 | 5.97 | 6.06 | 5.94 | 970013 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 9,353.7 | 1,551.2 | 2.18 | 0.82 | 2.78 | 7.4 | 27.0 | 10.62 - 2.05 |
| | KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 6.03 | $ | | PE Ratio - LTM | 7.4 | |
| Market Capitalisation | 9,125.5 | mil |
| Latest Shares Outstanding | 1,551.2 | mil |
| Earnings pS (EPS) | 0.82 | $ |
| Dividend pS (DPS) | 2.78 | ¢ |
| Dividend Yield | 27.0 | % |
| Dividend Payout Ratio | 339 | % |
| Revenue per Employee | 523,093 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 0.0 | mil |
| Float as % of Shares Outstanding | 0.0 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 0.0 | % |
| Pre-Tax Profit Margin | 0.0 | % |
| Assets Turnover | 0.0 | % |
| Return on Assets (ROA) | 0.0 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | 0.0 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 31.8 | |
| Interest Cover | 0.0 | |
| Total Debt/Equity (Gearing Ratio) | 8.13 | |
| LT Debt/Total Capital | 89.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 35.48 | $ |
| Tangible Book-Value pS | 28.50 | $ |
| Cash Flow pS | 0.78 | $ |
| Free Cash Flow pS | 46.33 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.17 | |
| Price/Tangible Book Ratio | 0.21 | |
| Price/Cash Flow | 7.7 | |
| Price/Free Cash Flow | 0.1 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 05/18/2009 |
| Dividend Ex-Date | 06/22/2009 |
| Dividend Record Date | 05/20/2009 |
| Dividend Pay Date | 06/29/2009 |
| Dividend Amount | 847 |
| Type of Payment | Cash Payment |
| Dividend Rate | 1.63 |
| Current Dividend Yield | 27.0 |
| 5-Y Average Dividend Yield | 9.6 |
| Payout Ratio | 339.0 |
| 5-Y Average Payout Ratio | 125.0 |
|  | | Share price performance previous 3 years |
|
 | | | Share price performance intraday |
|
 | | | | | PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 3.8 | 102 | 13,035 | 9,694 |
| 4 Weeks | 6.18 | 5.27 | 5.57 | 8.3 | 101 | 17,767 | 284,268 |
| 13 Weeks | 7.47 | 5.18 | 7.26 | -16.9 | 77 | 21,082 | 1,264,917 |
| 26 Weeks | 7.47 | 4.02 | 5.47 | 10.2 | 92 | 19,024 | 2,358,918 |
| 52 Weeks | 10.62 | 2.05 | 10.02 | -39.8 | 49 | 15,643 | 3,879,454 |
| YTD | 8.34 | 2.05 | - | -19.7 | 66 | 16,591 | 3,749,563 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 5.99 | 5.94 | 6.08 | 5.89 | 5.34 | 2.18 | 2.27 |
| | | | GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 7.72 | 15.3 | -14.65 |
| Income | -17.57 | 32.8 | -30.94 |
| Dividend | 3.53 | 75.0 | 4.64 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 20.87 | NA | 38.50 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -47.7 | 0.0 | -47.7 |
| Earnings % | 0.0 | 0.0 | -81.4 |
| EPS % | -81.8 | 0.0 | -81.8 |
| EPS $ | -3.67 | 0.00 | -3.67 |
| | | | SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 175.84 |
| Free Cash Flow Margin 5YEAR AVG | 46.12 |
| Cash-Flow pS | 33.89 |
| Free Cash-Flow pS | 29.35 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 46.42 |
| Debt Ratio | 97.85 |
| Total Debt/Equity (Gearing Ratio) | 9.90 |
| LT Debt/Equity | 9.90 |
| LT Debt/Capital Invested | 90.82 |
| LT Debt/Total Liabilities | 21.79 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 1.75 |
| Tobin's Q Ratio | 0.01 |
| Current P/E Ratio - LTM | 7.40 |
| Enterprise Value (EV)/EBITDA | 0.00 |
| Enterprise Value (EV)/Free Cash Flow | 2.56 |
| Dividend Yield | 27.0 |
| Price/Tangible Book Ratio - LTM | 0.21 |
| Price/Book Ratio - LTM | 0.17 |
| Price/Cash Flow Ratio | 7.7 |
| Price/Free Cash Flow Ratio - LTM | 0.1 |
| P/E Ratio (1 month ago) - LTM | 7.7 |
| P/E Ratio (26 weeks ago) - LTM | 6.7 |
| P/E Ratio (52 weeks ago) - LTM | 0.0 |
| 5-Y High P/E Ratio | 46.1 |
| 5-Y Low P/E Ratio | 7.9 |
| 5-Y Average P/E Ratio | 10.3 |
| Current P/E Ratio as % of 5-Y Average P/E | 72 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 0.8 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 28.50 |
| Book Value pS - LTM | 35.48 |
| Capital Invested pS | 94.87 |
| Cash Flow pS - LTM | 0.78 |
| Free Cash Flow pS - LTM | 46.33 |
| Earnings pS (EPS) | 0.82 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 9.00 |
| Return on Equity (ROE) - 5YEAR AVRG. | 23.1 |
| Return on Capital Invested (ROCI) | 0.83 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 7.5 |
| Return on Assets (ROA) | 0.19 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.7 |
| EBIT Margin - LTM | 0.0 |
| EBITDA Margin - LTM | 0.0 |
| Pre-Tax Profit Margin | 100.26 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 80.19 |
| Net Profit Margin | 10.95 |
| Net Profit Margin - 5YEAR AVRG. | 41.73 |
| Effective Tax Rate | -0.49 |
| Effective Tax Rate - 5YEAR AVRG. | 21.12 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 523,093 |
| Net Income per Employee - LTM | 20,677 |
| Assets/Revenue - LTM | 0.00 |
| Assets/Revenue - 5YEAR AVRG. | 5,759.62 |
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