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Lloyds Banking Group PLC (GB:LLOY)
LSE:LLOY
UK Market
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Lloyds Banking (LLOY) Ratios

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Lloyds Banking Ratios

GB:LLOY's free cash flow for Q4 2024 was £1.00. For the 2024 fiscal year, GB:LLOY's free cash flow was decreased by £ and operating cash flow was £0.00. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.13 0.29 1.20 0.94 0.79
Quick Ratio
0.13 0.29 1.20 0.94 0.79
Cash Ratio
0.13 0.16 1.20 0.94 0.79
Solvency Ratio
>-0.01 0.01 <0.01 0.10 0.04
Operating Cash Flow Ratio
0.00 0.01 0.29 0.08 0.29
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
£ -799.21B£ -694.14B£ -738.68B£ -8.09B£ -28.10B
Leverage Ratios
Debt-to-Assets Ratio
0.08 0.11 0.10 0.10 0.12
Debt-to-Equity Ratio
1.62 1.99 1.79 1.60 2.07
Debt-to-Capital Ratio
0.62 0.67 0.64 0.62 0.67
Long-Term Debt-to-Capital Ratio
0.62 0.67 0.55 0.62 0.67
Financial Leverage Ratio
19.10 18.69 18.57 16.75 17.71
Debt Service Coverage Ratio
0.00 0.57 1.57 2.24 1.16
Interest Coverage Ratio
0.00 0.75 2.85 1.75 0.33
Debt to Market Cap
1.69 3.02 1.87 2.50 3.95
Interest Debt Per Share
1.28 1.67 1.28 1.25 1.49
Net Debt to EBITDA
8.94 1.49 -0.99 0.83 7.10
Profitability Margins
Gross Profit Margin
100.00%104.36%100.00%100.00%100.00%
EBIT Margin
16.32%40.75%26.21%42.27%8.11%
EBITDA Margin
7.46%56.53%39.37%59.57%26.17%
Operating Profit Margin
63.37%60.03%57.77%41.66%7.65%
Pretax Profit Margin
27.18%40.75%38.05%42.28%8.11%
Net Profit Margin
19.63%29.65%29.98%35.43%8.71%
Continuous Operations Profit Margin
20.39%29.97%21.54%36.05%9.17%
Net Income Per EBT
72.20%72.77%78.80%83.80%107.50%
EBT Per EBIT
42.89%67.88%65.86%101.49%105.96%
Return on Assets (ROA)
0.46%0.62%0.62%0.65%0.15%
Return on Equity (ROE)
9.18%11.58%11.55%10.93%2.68%
Return on Capital Employed (ROCE)
3.28%2.75%1.31%0.84%0.15%
Return on Invested Capital (ROIC)
2.46%2.02%3.60%2.12%0.56%
Return on Tangible Assets
0.46%0.63%0.63%0.66%0.15%
Earnings Yield
9.16%17.62%17.46%17.06%5.12%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 0.00 0.00
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
0.00 1.90 2.24 2.05 1.29
Asset Turnover
0.02 0.02 0.02 0.02 0.02
Working Capital Turnover Ratio
-0.06 -0.05 3.41 -1.37 -0.86
Cash Conversion Cycle
0.00 0.00 0.00 0.00 0.00
Days of Sales Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 0.10 0.32 0.09 0.38
Free Cash Flow Per Share
0.00 0.02 0.26 0.05 0.34
CapEx Per Share
0.00 0.08 0.06 0.05 0.04
Free Cash Flow to Operating Cash Flow
0.00 0.20 0.82 0.51 0.89
Dividend Paid and CapEx Coverage Ratio
0.00 0.96 4.13 1.61 8.10
Capital Expenditure Coverage Ratio
0.00 1.25 5.71 2.05 9.37
Operating Cash Flow Coverage Ratio
0.00 0.07 0.26 0.08 0.27
Operating Cash Flow to Sales Ratio
0.00 0.37 1.21 0.41 1.80
Free Cash Flow Yield
0.00%4.37%58.07%10.01%94.33%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
10.92 5.68 5.73 5.86 19.52
Price-to-Sales (P/S) Ratio
2.11 1.68 1.72 2.08 1.70
Price-to-Book (P/B) Ratio
0.97 0.66 0.66 0.64 0.52
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 22.87 1.72 9.99 1.06
Price-to-Operating Cash Flow Ratio
0.00 4.55 1.42 5.12 0.95
Price-to-Earnings Growth (PEG) Ratio
22.13 -1.32 1.00 0.02 -0.36
Price-to-Fair Value
0.97 0.66 0.66 0.64 0.52
Enterprise Value Multiple
37.27 4.47 3.37 4.32 13.60
Enterprise Value
59.97B 46.55B 24.18B 42.00B 53.83B
EV to EBITDA
37.27 4.47 3.37 4.32 13.60
EV to Sales
2.78 2.53 1.33 2.57 3.56
EV to Free Cash Flow
0.00 34.35 1.33 12.38 2.22
EV to Operating Cash Flow
0.00 6.84 1.10 6.34 1.98
Tangible Book Value Per Share
0.79 0.60 0.58 11.21 10.81
Shareholders’ Equity Per Share
0.79 0.73 0.69 0.75 0.70
Tax and Other Ratios
Effective Tax Rate
0.25 0.26 0.20 0.15 -0.13
Revenue Per Share
0.36 0.28 0.26 0.23 0.21
Net Income Per Share
0.07 0.08 0.08 0.08 0.02
Tax Burden
0.72 0.73 0.79 0.84 1.08
Interest Burden
1.67 1.00 1.45 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 0.00 0.01 0.01 0.01
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
0.00 0.91 3.18 0.96 22.16
Currency in GBP
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