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Lloyds Banking Group plc LYG NYSE

NYSE • Financial Services • Banks - Regional • GB • USD

SharesGrow Score
55/100
3/7 Pass
SharesGrow Intrinsic Value
$5.66
+1.1%
Analyst Price Target
$2.75
-50.9%

Lloyds Banking Group plc (LYG) reported total assets of $942.41B and total liabilities of $900.57B for fiscal year 2025, resulting in total equity of $42.04B.

The company held $60.6B in cash and short-term investments. Total debt stood at $88.17B, with net debt of $31.5B. The Debt-to-Equity (D/E) ratio was 2.1 (leveraged).

Current ratio is 0.94, which may signal tight short-term liquidity. Interest coverage is 0.4x (weak).

Criteria supported by this page:

  • HEALTH (0/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
  • MOAT (52/100) — Total assets $942.41B and equity $42.04B support the company's competitive scale
  • VALUE (75/100) — Debt-to-Equity 2.1 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 55/100 with 3/7 criteria passed.

SharesGrow 7-Criteria Score
55/100
SG Score
View full scorecard →
VALUE
75/100
Price-to-Earnings & upside
→ Valuation
FUTURE
28/100
Analyst consensus
→ Forecast
PAST
100/100
→ Income
HEALTH
0/100
Debt-to-Equity & liquidity
Proven by this page
~
MOAT
52/100
→ Income
GROWTH
83/100
→ Income
~
INCOME
45/100
→ Income
Lloyds Banking Group plc Balance Sheet History
Metric FY2025 FY2024 FY2023 FY2022
Total Assets $942.41B$906.7B$881.45B$877.83B
Total Liabilities $900.57B$860.81B$834.09B$830.31B
Total Debt $88.17B$80.92B$93.67B$84.55B
Cash & Investments $60.6B$62.68B$139.41B$91.63B
Total Stockholders Equity $41.85B$45.72B$47.16B$47.28B
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