Lloyds Banking Group Plc American Depositary Shares (LYG)

FairStock Score: 54/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Lloyds Banking Group's American Depositary Shares represent a large UK retail and commercial bank with 60,061 employees and a $78.8B market cap. It has a modest moat: current accounts, mortgages and commercial relationships create switching costs and low-cost deposits, but UK banking is regulated, competitive, and credit-cycle exposed. In the quarter labeled 2026-Q2, revenue was $5.7B, net income was $1.5B, and margin was 26.78%—real profitability. FairStock calculations put ROE at 11.34%, P/B at 1.45, P/E at 12.79, and PEG at 1.19. At the 2026-10-13 close of $5.50, that is fair-to-full for a bank earning modest returns; I prefer banks nearer book unless returns are clearly superior. The 3.96% dividend yield and beta of 0.94 add some appeal. However, FairStock's Piotroski F-Score is only 3/9, D/E is not available, and the computed Lynch category is none because only 0 years of filed results exist against the required 3. More importantly, the data omit CET1 capital, net interest margin, loan-loss provisions and combined ratio, so I cannot properly judge capital adequacy, credit underwriting, reserve risk or insurance profitability. FairStock's 54/100 score captures that gap: not a compelling bargain, not a broken business. The supplied growth figures are positive, but without a named filing period I cannot rely on them as a durable trend. I would need stronger bank-specific disclosure or a lower price to call this a classic value opportunity.

In plain English: Lloyds is a large UK bank providing current accounts, mortgages, loans, cards, insurance and investment products to people and businesses. It is profitable, pays a dividend near 4%, and earns a modest return on shareholders' money, but the available data do not show key bank safety measures like capital or loan-loss coverage. At $5.50, the shares look roughly fair to slightly expensive relative to profits, accounting value and growth.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer