Lloyds Banking Group PLC (LYG)

NYSE: LYG · Commercial Banks, NEC · London, GB · filing with the SEC since 2002

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Grade4.3

◀ Past 4.6● Present 4.7▶ Future 3.5

2 est.

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The grade of Lloyds Banking Group PLC

Nine metrics read from its own filings, by tense

Headline grade

4.3/10

◀ Past4.640% of the headline

● Present4.735% of the headline

▶ Future3.525% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

4.6/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed

5.9/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 59th percentile among 33 sector filers · read for itself

From the record

Lloyds Banking Group PLC's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

1.9/10

What has it actually done, year after year?

-7.6% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 19th percentile among 22 sector filers · read for its customers

From the record

Lloyds Banking Group PLC's 10 filed years say what it did: revenue went from GBP 40 billion in fiscal 2016 to GBP 19 billion in fiscal 2025, down 7.6% a year; it rose in 3 of 8 years; the deepest fall was 113% from fiscal 2019 to fiscal 2022; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

revenue growth over the filed span-7.6%bottom 7% of its family
the share of years revenue rosebottom 7% of its family
the share of filed years with a profittop 40% of its family
the deepest fall from a revenue peak112.6%bottom 2% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

4.5/10

How has it treated the people who own it?

Share count shrank 4.6% a year. 0% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 33% of this tense · 45th percentile among 29 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Lloyds Banking Group PLC's diluted share count shrank about 4.6% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearstop 16% of its family
cash returned against operating cash flowbottom 6% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.7/1035% of the headline grade · 1 of 3 filed, 2 estimated

Financial health

as filed

4.4/10

Is it financially healthy right now?

ROE 10%: 10¢ of profit per shareholder dollar. Leverage 95%: owes 95¢ per asset dollar.

weight 45% of this tense · 44th percentile among 31 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Lloyds Banking Group PLC earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 95 cents per dollar of assets, and net share issuance: its share count shrank 4.1% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 8% of its family
return on equitybottom 37% of its family
the share count against the year beforetop 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

SI estimate

4.8/10

How strong is its position in its industry?

SI estimate 4.8/10, confidence 35 of 100 (one part).

weight 33% of this tense · 48th percentile among 23 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, net margin, which ranks in the bottom 48% of 23 in its family; fewer than two of the three parts can be read: size in the family's currency, net margin, three-year growth.
What the record cannot read: Fewer than two of the three parts can be read: size in the family's currency, net margin, three-year growth.
How it was reasoned: one part: net margin, the one part on file, ranked among 23 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Lloyds Banking Group PLC's industry position is put at 4.8 of 10 with a confidence of 35 of 100, because read from one part only, net margin, which ranks in the bottom 48% of 23 in its family; fewer than two of the three parts can be read: size in the family's currency, net margin, three-year growth. A filing that carries the missing parts replaces this estimate with the filed reading.

Leadership

SI estimate

5.0/10

What are the people in charge doing?

SI estimate 5.0/10, confidence 15 of 100 (universe median).

weight 22% of this tense · 50th percentile among 3816 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read.
How it was reasoned: universe median, 3816 readings behind it.
Confidence: 15 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Lloyds Banking Group PLC's leadership is put at 5.0 of 10 with a confidence of 15 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

3.5/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed

4.0/10

How much room does it have to grow?

bottom 39% of 19 in its family for room to expand.

weight 33% of this tense · 39th percentile among 19 sector filers · read for itself

From the record

Lloyds Banking Group PLC's room to grow, from the newest filed statements (fiscal 2025): cash of GBP 61 billion against no long-term debt tagged leaves 6.4% of its assets as net cash, top 50% of its family; cash from operations less capital spending is 3.2% of revenue (bottom 29%) (its annual report).

What it rests on

cash less debt against assets6.4%top 50% of its family
cash from operations less capital spending against revenue3.2%bottom 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

4.4/10

What could actually drive growth from here?

bottom 44% of 22 in its family for growth drivers.

weight 33% of this tense · 44th percentile among 22 sector filers · read for its customers

From the record

Lloyds Banking Group PLC's growth drivers, from the filed years to fiscal 2025: the newest year grew 7.9% (bottom 43%); capital spending grew 27.7% a year (bottom 44%) (its annual reports). Lloyds Banking Group PLC tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

the newest year's revenue growth7.9%bottom 43% of its family
three-year growth of capital spending27.7%bottom 44% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

2.3/10

Did its newest year beat what its own record pointed to?

bottom 23% of 20 in its family for expectations against reality.

weight 33% of this tense · 23rd percentile among 20 sector filers · read for its shareholders

From the record

Lloyds Banking Group PLC's newest year against its own record: net income of GBP 4.8 billion against a prior three-year average of GBP 4.6 billion (bottom 18%); a net margin of 24.5% against 27.2% before (bottom 28%) (its annual reports).

What it rests on

net income against the prior three years' average+3%bottom 18% of its family
net margin against its prior average-2.8 pointsbottom 28% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton LYG · research, not advice