Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
LYG 
Lloyds Banking Group PLC ADR (LYG)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/14/2025: LYG (4-star) is a STRONG-BUY. BUY since 78 days. Profits (18.96%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $4.34
1 Year Target Price $4.34
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 33.3% | Avg. Invested days 51 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 68.28B USD | Price to earnings Ratio 12.72 | 1Y Target Price 4.34 |
Price to earnings Ratio 12.72 | 1Y Target Price 4.34 | ||
Volume (30-day avg) 2 | Beta 1.1 | 52 Weeks Range 2.44 - 4.59 | Updated Date 08/15/2025 |
52 Weeks Range 2.44 - 4.59 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 0.73% | Basic EPS (TTM) 0.36 |
Earnings Date
Report Date 2025-07-24 | When - | Estimate 0.1053 | Actual 0.21 |
Profitability
Profit Margin 25.61% | Operating Margin (TTM) 43.78% |
Management Effectiveness
Return on Assets (TTM) 0.51% | Return on Equity (TTM) 9.95% |
Valuation
Trailing PE 12.72 | Forward PE 12.12 | Enterprise Value 250659586048 | Price to Sales(TTM) 3.86 |
Enterprise Value 250659586048 | Price to Sales(TTM) 3.86 | ||
Enterprise Value to Revenue 3.6 | Enterprise Value to EBITDA - | Shares Outstanding 14908499968 | Shares Floating 56350056870 |
Shares Outstanding 14908499968 | Shares Floating 56350056870 | ||
Percent Insiders - | Percent Institutions 3.56 |
Upturn AI SWOT
Lloyds Banking Group PLC ADR
Company Overview
History and Background
Lloyds Banking Group PLC traces its origins back to 1695 with the founding of the Bank of Scotland. Through numerous mergers and acquisitions, including the acquisition of HBOS in 2009, it has evolved into one of the UK's largest financial services groups.
Core Business Areas
- Retail Banking: Provides a range of banking products and services to personal customers, including current accounts, savings accounts, mortgages, personal loans, and credit cards.
- Commercial Banking: Offers banking services to small and medium-sized enterprises (SMEs) and larger corporations, including lending, trade finance, cash management, and payment solutions.
- Insurance and Wealth: Provides insurance products, investment management, and wealth management services to individuals and businesses.
Leadership and Structure
The leadership team consists of the Group Chief Executive Officer, Chief Financial Officer, and various heads of divisions. The organizational structure is hierarchical, with various business units reporting to the executive management team.
Top Products and Market Share
Key Offerings
- Mortgages: Lloyds Banking Group is a leading mortgage provider in the UK. It holds significant market share in the mortgage market, competing with NatWest, HSBC, and Barclays. Market Share is approximately 18% in the UK.
- Current Accounts: Lloyds offers a range of current accounts to personal and business customers. Competitors include HSBC, Barclays and Santander. Approximate Revenue generated from Current Accounts is u00a35 Billion.
- Personal Loans: Offer unsecured personal loans at various interest rates. Direct competitors include Barclays, HSBC, NatWest and many more financial institutions. Market share is approximately 15% in the UK.
Market Dynamics
Industry Overview
The banking industry is undergoing significant transformation due to technological advancements, regulatory changes, and increasing competition from fintech companies.
Positioning
Lloyds Banking Group PLC ADR is positioned as a leading financial services provider in the UK, with a strong focus on retail and commercial banking. Its competitive advantages include its large customer base, strong brand recognition, and extensive branch network.
Total Addressable Market (TAM)
The estimated TAM for the UK banking sector is u00a3300 Billion. Lloyds is positioned well in this TAM with their strong presence in retail and commercial banking and its wide offering of insurance and investment product offerings
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large customer base
- Extensive branch network in the UK
- Strong capital position
Weaknesses
- Reliance on the UK market
- Exposure to UK economic conditions
- Legacy IT systems
- High cost base
Opportunities
- Digital transformation
- Expansion into new markets
- Growth in wealth management
- Increasing demand for sustainable finance
Threats
- Increasing competition from fintech companies
- Regulatory changes
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
Competitive Landscape
Lloyds Banking Group PLC ADR competes with other major banks, as well as smaller regional players and fintech companies. Its competitive advantages include its strong brand and large customer base.
Major Acquisitions
MBNA UK credit card business
- Year: 2017
- Acquisition Price (USD millions): 2400
- Strategic Rationale: Increased its presence in the UK credit card market.
Growth Trajectory and Initiatives
Historical Growth: Lloyds Banking Group PLC ADR has experienced moderate growth over the past few years, driven by expansion in lending and wealth management.
Future Projections: Analysts project continued growth in revenue and earnings, driven by digital transformation and expansion into new markets.
Recent Initiatives: Recent initiatives include investing in digital banking platforms, expanding its wealth management business, and increasing its focus on sustainable finance.
Summary
Lloyds Banking Group PLC ADR is a strong financial institution with a leading position in the UK banking market. It benefits from a large customer base, strong brand recognition, and a healthy capital position. However, it is exposed to UK economic conditions and faces increasing competition from fintech companies. Investing in digital transformation is crucial for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market conditions and company-specific factors can change rapidly, and past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Lloyds Banking Group PLC ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 2001-11-27 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 61228 | |
Full time employees 61228 | |||
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services in the United Kingdom and internationally. The company operates through three segments: Retail; Commercial Banking; and Insurance, Pensions and Investments. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, motor finance, unsecured loans, and leasing solutions, as well as credit cards to personal customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, and debt financing services to small and medium businesses, corporates, and institutions. The Insurance, Pensions and Investments segment offers insurance, investment, and pension management products and services. It also provides digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, Schroders Personal Wealth, Black Horse, Lex Autolease, Birmingham Midshires, LDC, AMC, Embark Group, Lloyds Living, IWeb, Cavendish Online, HGP, and Tusker brand names. Lloyds Banking Group plc was founded in 1695 and is based in London, the United Kingdom.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.