LYG Stock Financial Analysis - Lloyds Banking Group plc - Depositary Receipt (Common Stock) (NYSE) Stock

Overview

Can Fin Homes Ltd. is a prominent player in the housing finance sector based in India. The company, established in 1987, promoted by Canara Bank, primarily provides housing loans to individuals and corporate bodies for the construction, purchase, and repair and renovation of houses. It also offers loans for commercial property and for personal needs. Can Fin Homes operates a vast network across India, with many branches spread across urban and rural areas. Notably, the company has made significant strides in the affordable housing segment, aligning with the Indian government's mission of 'Housing for All'.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is 17,673.00 MM.
The operating income for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is 6,405.00 MM.
The net income for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is 4,526.00 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	17,673.00	6,405.00	4,526.00
2025-03-31	17,559.00	6,120.00	4,358.00
2024-12-31	17,505.00	6,231.00	4,421.00
2024-09-30	18,559.00	7,496.00	4,958.00
2024-06-30	18,545.00	7,521.00	5,047.00
2024-03-31	18,178.00	7,445.00	5,019.00
2023-12-31	18,413.00	8,077.00	5,460.00
2023-09-30	17,224.00	7,603.00	5,195.00
2023-06-30	15,607.00	6,192.00	4,250.00
2023-03-31	15,352.00	6,316.00	4,218.00
2022-12-31	14,530.00	5,600.00	3,827.00
2022-09-30	14,364.00	5,172.00	3,264.00
2022-06-30	15,892.00	6,662.00	4,364.00
2022-03-31	16,646.00	7,027.00	5,521.00
2022-01-01	17,127.00	6,626.00	5,784.00
2021-09-30	16,448.00	7,043.00	5,996.00
2021-06-30	15,429.00	6,324.00	5,123.00
2021-03-31	12,659.00	4,026.00	2,220.00
2020-12-31	11,180.00	2,265.00	1,318.00
2020-09-30	12,241.00	451.00	1,645.00

Income Statement: EPS

The earnings per share basic for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is 0.07.
The earnings per share diluted for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is 0.07.

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30	0.07	0.07
2025-03-31	0.06	0.06
2024-12-31	0.06	0.06
2024-09-30	0.07	0.07
2024-06-30	0.07	0.07
2024-03-31	0.07	0.07
2023-12-31	0.08	0.08
2023-09-30	0.07	0.07
2023-06-30	0.06	0.06
2023-03-31	0.06	0.06
2022-12-31	0.05	0.05
2022-09-30	0.04	0.04
2022-06-30	0.06	0.06
2022-03-31	0.07	0.07
2022-01-01	0.08	0.08
2021-09-30	0.26	0.25
2021-06-30	0.21	0.20
2021-03-31	0.03	0.03
2020-12-31	0.01	0.01
2020-09-30	0.01	0.01

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is -5,346.00 MM.
The cash from investing activities for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is -9,647.00 MM.
The cash from financing activities for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is 7,190.00 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	-5,346.00	-9,647.00	7,190.00
2025-03-31
2024-12-31	-15,721.00	-7,691.00	5,397.00
2024-09-30
2024-06-30	-5,914.00	-9,610.00	-9,983.00
2024-03-31
2023-12-31	11,770.00	-9,821.00	-8,460.00
2023-09-30
2023-06-30	26,360.00	-4,184.00	-4,637.00
2023-03-31
2022-12-31	23,606.00	510.00	-8,208.00
2022-09-30
2022-06-30	-11,612.00	-993.00	15,920.00
2022-03-31
2022-01-01	-13,862.00	-2,545.00	17,386.00
2021-09-30
2021-06-30	-36,238.00	-1,161.00	38,241.00
2021-03-31
2020-12-31	-13,939.00	-4,000.00	36,773.00
2020-09-30

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2022-01-01
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2022-01-01
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Management Effectiveness

The roa for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is 0.00.
The roe for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is 0.10.
The roic for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is 0.02.
The croic for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is -0.09.
The ocroic for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is -0.02.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.00	0.10	0.02	-0.09	-0.02
2025-03-31	0.01	0.09	0.02	-0.09	-0.02
2024-12-31	0.01	0.11	0.03	-0.14	-0.03
2024-09-30	0.01	0.12	0.03	-0.14	-0.03
2024-06-30	0.01	0.10	0.02	-0.03	0.03
2024-03-31	0.01	0.11	0.03	-0.03	0.03
2023-12-31	0.01	0.15	0.03	0.08	0.04
2023-09-30	0.01	0.12	0.03	0.09	0.04
2023-06-30	0.01	0.12	0.03	0.08	0.04
2023-03-31	0.01	0.11	0.03	0.08	0.10
2022-12-31	0.00	0.08	0.02	0.00	0.00
2022-09-30	0.01	0.09	0.02	0.02	-0.06
2022-06-30	0.01	0.11	0.02	0.02	-0.05
2022-03-31	0.01	0.12	0.03	0.00	0.03
2022-01-01	0.01	0.12	0.04	0.01	0.00
2021-09-30	0.01	0.10	0.04	0.00	-0.21
2021-06-30	0.01	0.11	0.04	0.00	-0.26
2021-03-31	0.00	0.04	0.01	0.10	0.15
2020-12-31	0.00	0.03	0.01	0.08	-0.07
2020-09-30	0.00	0.03	0.01	0.11	0.13

Gross Margins

The gross margin for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is 1.00.
The net margin for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is 0.25.
The operating margin for Lloyds Banking Group plc - Depositary Receipt (Common Stock) as of June 30, 2025 is 0.35.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.25	0.35
2025-03-31	1.00	0.25	0.34
2024-12-31	1.00	0.29	0.40
2024-09-30	1.00	0.29	0.41
2024-06-30	0.99	0.28	0.41
2024-03-31	0.99	0.30	0.42
2023-12-31	0.99	0.34	0.52
2023-09-30	0.99	0.32	0.50
2023-06-30	0.99	0.32	0.51
2023-03-31	0.99	0.34	0.51
2022-12-31	0.99	0.27	0.49
2022-09-30	0.99	0.27	0.49
2022-06-30	0.99	0.28	0.51
2022-03-31	0.99	0.33	0.50
2022-01-01	0.99	0.33	0.44
2021-09-30	0.99	0.38	0.44
2021-06-30	0.99	0.32	0.41
2021-03-31	0.99	0.18	0.32
2020-12-31	0.98	0.12	0.16
2020-09-30	0.98	0.14	-0.03