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LYG

Lloyds Banking Group plc

Financial Services · $82.4B market cap

Verdict

Share price

$5.50

close of Oct 3, 2026

Fair value

$5.38

Sticker Price

Payback Price

$2.15

buy price

Fairly Valued

LYG is Fairly Valued: at $5.50 it's within 2% of its fair value of $5.38. Its buy price (Payback Price) is $2.15, 61% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth-4.0% a year✗
Equity per share growth1.7% a year✗
Sales growth-0.1% a year✗
Free cash flow growth-3.0% a year✗
Return on invested capital1.2%✗

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Superinvestors

1 of the investors we track holds LYG. Who we track

First Eagle Investment Management

First Eagle Investment Management · as of Q2 2026

$40.8M

7,001,757 shares

About Lloyds Banking Group plc

Operating primarily within the United Kingdom, Lloyds Banking Group plc and its various subsidiaries deliver an extensive array of banking and financial products and services. The group's operations are divided into three core segments: Retail, Commercial Banking, and Insurance & Wealth. The Retail division serves individual consumers and small businesses with essential financial tools like checking and savings…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works