LLOY

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
45.66	0.05 [0.11]	45.81	45.83	45.69	45.98	45.42	90,988,986
Market Cap. [m]	Shares In Issue [m]	Beta	EPS	DPS	PE Ratio	Yield	52-Wks-Range
31,797.52	69,647.40	0.03	7.50	2.00	6.09	4.38	55.96 - 38.10

Lloyds Banking Key Figures

(at previous day's close)
Market Cap.	31,797.52	m
Shares In Issue	69,647.40	m
Prev. Close	45.61
PE Ratio	6.09
Dividend Yield	4.38	%
EPS - basic	7.50	p
Dividend PS	2.00	p
Dividend Cover	3.75
Cash Flow PS	9.51	p
Return On Equity (ROE)	10.93	%
Operating Margin	18.43	%
PEG Factor	0.01
EPS Growth Rate	525.00	%
Dividends PS Growth Rate	250.88	%
Net Debt	756,952.99	m
Gross Gearing	94.00	%
Quick Assets	618,506.00	m
Net Working Capital	-	m
Intangibles / Fixed Assets	4.49	%
Turnover PS	53.76	p
Pre-Tax Profit PS	9.91	p
Retained Profit PS	7.05	p
Cash PS	109.72	p
Net Cash PS	109.72	p
Net Tangible Asset Value PS *	58.71	p
Net Asset Value PS	76.32	p
Spread	0.02 (0.04%)
* 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

Share Price Performance

Sample Period ^†	High	Low
1 week	45.98	44.40
4 weeks	46.35	40.90
12 weeks	46.35	40.90
1 year	55.96	38.10

Share Price Chart (5 years)

Lloyds Banking Historic Returns

Giorni da oggi ^†	Open	Change	%	Open Avg.	Avg. Daily Vol [m]	Total Vol [m]	VWAP
1 week	45.06	0.60	1.33	44.40	120.76		45.21
4 weeks	40.95	4.71	11.50	40.90	191.01		44.49
12 weeks	43.94	1.72	3.90	40.90	193.52		43.72
26 weeks	52.52	-6.87	-13.07	38.10	228.74		45.31
1 year	46.62	-0.96	-2.06	38.10	202.39		46.65
3 years	49.88	-4.22	-8.46	23.60	217.27		42.73
5 years	64.75	-19.10	-29.49	23.60	196.93		49.12
† periods calculated are whole weeks rather than calendar months

Lloyds Banking Key Management Ratios

Lloyds Banking Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio	4.79
PE Ratio	6.09
Tobin's Q Ratio	0.04
Tobin's Q Ratio (excl. intangibles)	0.04
Dividend Yield	4.38	%
Market-to-Book Ratio	0.60
Price-to-Pre-Tax Profit PS	4.61
Price-to-Retained Profit PS	6.48
Price-to-Cash Flow PS	4.80
Price-to-Sales PS	0.85
Price-to-Net Tangible Asset Value PS	0.77
Price-to-Cash PS	0.42
Net Working Capital PS	-
Price Pct to Working Capital PS	-	%
Earnings Yield	16.43	%
Average PE	15.90
Years in average	5
PE to PE average	38.29	%

Lloyds Banking Financial Ratios

(Leverage Ratios)
Debt Ratio	94.00	%
Debt-to-Equity Ratio	15.68
Debt-to-Equity Ratio (excl. Intgbl)	20.27
Debt-to-Equity Market Value	26.21
Net Gearing	85.38	%
Net Gearing (excl. Intangibles)	86.56	%
Gross Gearing	94.00	%
Gross Gearing (excl. Intangibles)	95.30	%
Gearing Under 1 Year	-	%
Gearing Under 1 Year (excl. Intgbl)	-	%
Assets/Equity	16.68
Cash/Equity	143.78
(Liquidity Ratios)
Net Working Capital to Total Assets	69.77	%
Current Ratio	-
Quick Ratio (Acid Test)	-
Liquidity Ratio	-
Cash & Equiv/Current Assets	12.36	%
(Solvency Ratios)
Enterprise Value	788,985.52	m
CFO/Sales	0.18
CFO/Attributable Profit	1.14
CFO/Assets	0.01
CFO/Debt	0.01
Total Debt/Equity Market Value	26.21
Total Debt/Sales	22.26
Total Debt/Pre-Tax Profit	120.74
Total Debt	833,372.99	m
Total Debt/Net Current Assets	1.35	%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth	28.92	%
5 yr Compound Earnings Growth	11.26	%
10 yr Compound Earnings Growth	-	%
Earn drops > 5% in 10yrs	10

Beta (60-Mnth)	Beta (36-Mnth)
0.0302	0.0236

Lloyds Banking Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)	0.78	%
Return On Assets (ROA)	0.66	%
Net Profit Margin	15.45	%
Assets Turnover	0.04
Return On Equity (ROE)	10.93	%
Return On Investment (ROI)	0.66	%
Dividend Payout Ratio	26.67	%
Plowback Ratio	73.33	%
Growth from Plowback Ratio	8.31	%
Net Income Of Revenues	13.10	%
(Asset Utilisation Multiples)
Shareholders Equity Turnover	0.73
Fixed Assets Turnover	0.14
Current Assets Turnover	0.06
Net Working Capital Turnover
Inventory Turnover	-
(Other Operating Ratios)
Total Assets-to-Sales	23.47
Debtors-to-Sales	1,436.49	%
Debt Collection Period	5,243.19	Days

Lloyds Banking Dividends

Announcement Date	Type	Curr.	Dividend Amount	Period Start	Period End	Ex Date	Record Date	Payment Date	Total Dividend Amount
27 Jul 2022	Interim	GBX	0.80	12/31/2021	12/31/2022	08/04/2022	08/05/2022	09/12/2022	-
24 Feb 2022	Final	GBX	1.33	12/31/2020	12/31/2021	04/07/2022	04/08/2022	05/19/2022	2.00
29 Jul 2021	Interim	GBX	0.67	12/31/2020	12/31/2021	08/05/2021	08/06/2021	09/13/2021	-
24 Feb 2021	Final	GBX	0.57	12/31/2019	12/31/2020	04/15/2021	04/16/2021	05/25/2021	0.57
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	Final	GBX	1.70	12/31/2015	12/31/2016	04/06/2017	04/07/2017	05/16/2017	3.05
22 Feb 2017	Special	GBX	0.50	12/31/2015	12/31/2016	04/06/2017	04/07/2017	05/16/2017	-
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	Special	GBX	0.50	12/31/2014	12/31/2015	04/07/2016	04/08/2016	05/17/2016	-
25 Feb 2016	Final	GBX	1.50	12/31/2014	12/31/2015	04/07/2016	04/08/2016	05/17/2016	2.75
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

	31 Dec 2018 (GBP)		31 Dec 2019 (GBP)		31 Dec 2020 (GBP)		31 Dec 2021 (GBP)
turnover	22,091.00	100.00%	42,356.00	100.00%	29,167.00	100.00%	37,444.00	100.00%	m
pre tax profit	5,960.00	26.98%	4,393.00	10.37%	1,226.00	4.20%	6,902.00	18.43%	m
attributable profit	3,869.00	17.51%	2,925.00	6.91%	1,318.00	4.52%	5,784.00	15.45%	m
retained profit	1,629.00	7.37%	613.00	1.45%	1,318.00	4.52%	4,907.00	13.10%	m
eps - basic (p)	5.50		3.50		1.20		7.50
eps - diluted (p)	5.50		3.40		1.20		7.50
dividends per share	3.21		1.12		0.57		2.00

Lloyds Banking Balance Sheet

	31 Dec 2018 (GBP)		31 Dec 2019 (GBP)		31 Dec 2020 (GBP)		31 Dec 2021 (GBP)


	31 Dec 2018 (GBP)		31 Dec 2019 (GBP)		31 Dec 2020 (GBP)		31 Dec 2021 (GBP)
ASSETS
fixed assets	12,300.00	1.54%	13,104.00	1.57%	11,754.00	1.35%	-	-%	m
intangibles	10,419.00	1.31%	11,690.00	1.40%	12,077.00	1.39%	12,030.00	1.36%	m
fixed investments	226,617.00	28.41%	217,109.00	26.04%	240,506.99	27.60%	255,989.01	28.88%	m
current assets - other	-	-%	-	-%	-	-%	-	-%	m
stocks	-	-%	-	-%	-	-%	-	-%	m
debtors	493,599.00	61.89%	536,860.00	64.38%	533,674.00	61.25%	542,086.00	61.15%	m
cash & securities	54,663.00	6.85%	55,130.00	6.61%	73,257.00	8.41%	76,420.00	8.62%	m

TOTAL	797,598.00	100%	833,893.01	100%	871,269.00	100%	886,525.01	100%	m

LIABILITIES
creditors - short	-	-%	-	-%	-	-%	-	-%	m
creditors - long	-	-%	-	-%	-	-%	-	-%	m
creditors - other	630,869.00	79.10%	657,508.01	78.85%	691,535.02	79.37%	696,841.99	78.60%	m
subordinated loans	17,656.00	2.21%	17,130.00	2.05%	14,261.00	1.64%	13,108.00	1.48%	m
insurance funds	98,874.00	12.40%	111,449.00	13.36%	116,060.00	13.32%	123,423.00	13.92%	m

TOTAL	747,399.00	93.71%	786,087.01	94.27%	821,856.02	94.33%	833,372.99	94.00%	m

EQUITY
ord cap, reserves	49,925.00	6.26%	47,603.00	5.71%	49,184.00	5.65%	52,917.00	5.97%	m
prefs, minorities	274.00	0.03%	203.00	0.02%	229.00	0.03%	235.00	0.03%	m

TOTAL	50,199.00	6.29%	47,806.00	5.73%	49,413.00	5.67%	53,152.00	6.00%	m

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

Lloyds Banking Cash Flow Statement

	31 Dec 2018 (GBP)	31 Dec 2019 (GBP)	31 Dec 2020 (GBP)	31 Dec 2021 (GBP)
Operating CF	-11,107.00	11,281.00	27,171.00	6,621.00	m
Pre-Financing CF	814.00	9,151.00	23,171.00	4,076.00	m
Retained CF	-3,484.00	2,587.00	17,656.00	912.00	m

Lloyds Banking 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