Historical Valuation
Lloyds Banking Group PLC (LYG) is now in the Overvalued zone, suggesting that its current forward PE ratio of 10.68 is considered Overvalued compared with the five-year average of 6.22. The fair price of Lloyds Banking Group PLC (LYG) is between 2.77 to 4.86 according to relative valuation methord. Compared to the current price of 5.41 USD , Lloyds Banking Group PLC is Overvalued By 11.15%.
Relative Value
Fair Zone
2.77-4.86
Current Price：5.41
11.15%
Overvalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Lloyds Banking Group PLC (LYG) has a current Price-to-Book (P/B) ratio of 1.29. Compared to its 3-year average P/B ratio of 1.31 , the current P/B ratio is approximately -1.55% higher. Relative to its 5-year average P/B ratio of 1.08, the current P/B ratio is about 18.98% higher. Lloyds Banking Group PLC (LYG) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 5.18%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of -10.72% , the current FCF yield is about -100.00% lower.
P/B
Median3y
1.31
Median5y
1.08
FCF Yield
Median3y
5.18
Median5y
-10.72
Competitors Valuation Multiple
AI Analysis for LYG
The average P/S ratio for LYG competitors is 2.97, providing a benchmark for relative valuation. Lloyds Banking Group PLC Corp (LYG.N) exhibits a P/S ratio of 2.79, which is -5.81% above the industry average. Given its robust revenue growth of %, this premium appears unsustainable.
Performance Decomposition
AI Analysis for LYG
1Y
3Y
5Y
Market capitalization of LYG increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of LYG in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is LYG currently overvalued or undervalued?
Lloyds Banking Group PLC (LYG) is now in the Overvalued zone, suggesting that its current forward PE ratio of 10.68 is considered Overvalued compared with the five-year average of 6.22. The fair price of Lloyds Banking Group PLC (LYG) is between 2.77 to 4.86 according to relative valuation methord. Compared to the current price of 5.41 USD , Lloyds Banking Group PLC is Overvalued By 11.15% .
What is Lloyds Banking Group PLC (LYG) fair value?
LYG's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Lloyds Banking Group PLC (LYG) is between 2.77 to 4.86 according to relative valuation methord.
How does LYG's valuation metrics compare to the industry average?
The average P/S ratio for LYG's competitors is 2.97, providing a benchmark for relative valuation. Lloyds Banking Group PLC Corp (LYG) exhibits a P/S ratio of 2.79, which is -5.81% above the industry average. Given its robust revenue growth of %, this premium appears unsustainable.
What is the current P/B ratio for Lloyds Banking Group PLC (LYG) as of Jan 10 2026?
As of Jan 10 2026, Lloyds Banking Group PLC (LYG) has a P/B ratio of 1.29. This indicates that the market values LYG at 1.29 times its book value.
What is the current FCF Yield for Lloyds Banking Group PLC (LYG) as of Jan 10 2026?
As of Jan 10 2026, Lloyds Banking Group PLC (LYG) has a FCF Yield of 0.00%. This means that for every dollar of Lloyds Banking Group PLC’s market capitalization, the company generates 0.00 cents in free cash flow.
What is the current Forward P/E ratio for Lloyds Banking Group PLC (LYG) as of Jan 10 2026?
As of Jan 10 2026, Lloyds Banking Group PLC (LYG) has a Forward P/E ratio of 10.68. This means the market is willing to pay $10.68 for every dollar of Lloyds Banking Group PLC’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Lloyds Banking Group PLC (LYG) as of Jan 10 2026?
As of Jan 10 2026, Lloyds Banking Group PLC (LYG) has a Forward P/S ratio of 2.79. This means the market is valuing LYG at $2.79 for every dollar of expected revenue over the next 12 months.