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Market Price

0.58 

0.00 -0.2%

as of Feb 18 '19

52 Week Range:

0.50 0.70


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Lloyds Banking Group plc provides banking and financial services under the Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows brands in the United Kingdom and internationally. The company operates through three segments: Retail, Commercial Banking, and Insurance and Wealth. The Retail segment offers a range of financial service products, including current accounts, savings accounts, mortgages, motor finance, and unsecured consumer lending products to personal and small business customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, term lending, and debt capital markets services for small and medium sized enterprises, corporates, mid-markets, and financial institutions. The Insurance and Wealth segment offers insurance products, such as life, home, motor, and protection insurance; investments comprising pensions and investment products; and wealth management products and services. It also provides credit cards, and personal and business loans; and online and telephone banking services. The company has a strategic partnership with Schroders plc to create a wealth management proposition. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 2.10
1.53
0.68
0.64
0.67
0.63
0.58
0.65
0.68
0.68
0.68
growth rate -27.1% -55.6% -5.9% 4.7% -6.0% -7.9% 12.1% 4.6% 0.0% 0.0%
Earnings BIT 4,000.00
807.00
1,040.00
-2,920.00
-342.00
-570.00
415.00
16,080.00
11,704.00
13,881.00
14,500.00
growth rate -79.8% 28.9% -100.0% 0.0% 0.0% 100.0% 3,774.7% -27.2% 18.6% 4.5%
Avg.PE 5.41
5.92
6.80
-132.30
-11.20
-17.30
-8.91
50.89
87.69
23.89
15.65
growth rate 9.4% 14.9% -100.0% 0.0% 0.0% 0.0% 100.0% 72.3% -72.8% -34.5%
ROA 0.94
0.21
0.39
-0.26
-0.05
-0.15
-0.09
0.14
0.07
0.21
0.43
growth rate -77.7% 85.7% -100.0% 0.0% 0.0% 0.0% 100.0% -50.0% 200.0% 104.8%
ROE 28.24
7.61
10.73
-6.11
-1.01
-3.17
-2.02
2.71
1.15
3.68
7.21
growth rate -73.1% 41.0% -100.0% 0.0% 0.0% 0.0% 100.0% -57.6% 220.0% 95.9%
ROIC 16.00
11.43
8.00
6.27
14.58
6.98
5.52
5.57
growth rate -28.6% -30.0% -21.6% 132.5% -52.1% -20.9% 0.9%
Leverage 29.10
46.42
23.74
22.70
21.14
21.01
21.72
17.56
17.32
17.03
16.61
growth rate 59.5% -48.9% -4.4% -6.9% -0.6% 3.4% -19.2% -1.4% -1.7% -2.5%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 1,989.00
1,610.00
1,038.00
1,300.00
741.00
734.00
771.00
growth rate -10.0% -35.5% 25.2% -43.0% -0.9% 5.0%
Acct.Payable 408,834.00
437,516.00
448,597.00
456,879.00
428,190.00
422,103.00
422,115.00
growth rate 3.5% 2.5% 1.9% -6.3% -1.4% 0.0%
Cur.Assets 148,481.00
189,543.00
145,452.00
157,495.00
146,084.00
154,117.00
148,001.00
growth rate 13.0% -23.3% 8.3% -7.3% 5.5% -4.0%
Total Assets 436,033.00
1,027,255.00
992,438.00
980,248.00
934,221.00
842,380.00
854,896.00
806,688.00
817,793.00
812,109.00
growth rate 135.6% -3.4% -1.2% -4.7% -9.8% 1.5% -5.6% 1.4% -0.7%
Cash 5,954.00
40,573.00
62,300.00
62,130.00
101,058.00
66,797.00
65,147.00
71,953.00
62,388.00
60,982.00
growth rate 581.4% 53.6% -0.3% 62.7% -33.9% -2.5% 10.5% -13.3% -2.3%
Cur.Liabilities 632,456.00
609,059.00
555,735.00
576,218.00
535,055.00
557,885.00
555,880.00
growth rate -1.9% -8.8% 3.7% -7.1% 4.3% -0.4%
Liabilities 426,640.00
983,977.00
947,872.00
934,742.00
891,640.00
803,044.00
804,993.00
759,708.00
769,328.00
762,966.00
growth rate 130.6% -3.7% -1.4% -4.6% -9.9% 0.2% -5.6% 1.3% -0.8%
LT Debt 31,150.00
2,008.00
2,009.00
159,007.00
2,011.00
118,224.00
96,634.00
80,348.00
84,724.00
80,418.00
75,726.00
growth rate -93.6% 0.1% 7,814.7% -98.7% 5,778.9% -18.3% -16.9% 5.5% -5.1% -5.8%
Equity 12,141.00
9,393.00
43,278.00
43,725.00
45,506.00
41,896.00
38,989.00
48,690.00
46,589.00
48,025.00
48,906.00
growth rate -22.6% 360.8% 1.0% 4.1% -7.9% -6.9% 24.9% -4.3% 3.1% 1.8%
Common Shares 11,462.00
11,660.00
37,929.00
67,117.00
68,470.00
69,841.00
71,009.00
72,447.00
72,340.00
72,024.00
72,393.00
growth rate 1.7% 225.3% 77.0% 2.0% 2.0% 1.7% 2.0% -0.2% -0.4% 0.5%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 1,334.00
857.00
560.00
3,216.00
881.00
3,003.00
2,982.00
3,442.00
3,417.00
3,760.00
3,655.00
growth rate -35.8% -34.7% 474.3% -72.6% 240.9% -0.7% 15.4% -0.7% 10.0% -2.8%
Cash Dividends 1,957.00
2,071.00
116.00
47.00
50.00
56.00
287.00
287.00
1,464.00
2,069.00
2,343.00
growth rate 5.8% -94.4% -59.5% 6.4% 12.0% 412.5% 0.0% 410.1% 41.3% 13.2%
Cash From OA 10,484.00
33,841.00
-33,735.00
43,374.00
19,893.00
3,049.00
-5,601.00
5,637.00
14,517.00
6,418.00
-19,523.00
growth rate 222.8% -100.0% 100.0% -54.1% -84.7% -100.0% 100.0% 157.5% -55.8% -100.0%
FCF per Share 1.57
5.47
-0.96
-0.08
-0.12
0.01
-0.60
0.09
0.28
0.19
-0.40
growth rate 248.4% -100.0% 0.0% 0.0% 100.0% -100.0% 100.0% 211.1% -32.1% -100.0%
Sale Purchase of Stock 350.00
3.00
14.00
14.00
14.00
growth rate -99.1% 366.7% 0.0% 0.0%
FCF 9,150.00
32,405.00
-36,424.00
-5,253.00
16,798.00
46.00
-18,513.00
6,911.00
12,955.00
-1,686.00
-6,850.00
growth rate 254.2% -100.0% 0.0% 100.0% -99.7% -100.0% 100.0% 87.5% -100.0% 0.0%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 10,710.00
7,009.00
57,987.00
13,551.00
28,234.00
15,970.00
15,963.00
15,134.00
16,615.00
16,598.00
17,741.00
growth rate -34.6% 727.3% -76.6% 108.4% -43.4% 0.0% -5.2% 9.8% -0.1% 6.9%
Op.Income 909.00
1,794.00
-2,594.00
6,217.00
-1,387.00
1,471.00
1,513.00
1,332.00
4,212.00
5,427.00
growth rate 97.4% -100.0% 100.0% -100.0% 100.0% 2.9% -12.0% 216.2% 28.9%
IBT 760.00
1,042.00
281.00
-3,542.00
-570.00
415.00
1,762.00
1,644.00
3,888.00
5,625.00
growth rate 37.1% -73.0% -100.0% 0.0% 100.0% 324.6% -6.7% 136.5% 44.7%
Net Income 772.00
2,827.00
-2,594.00
-627.00
-1,387.00
-838.00
1,412.00
860.00
2,063.00
3,807.00
growth rate 266.2% -100.0% 0.0% 0.0% 0.0% 100.0% -39.1% 139.9% 84.5%
EPS 0.28
0.07
0.07
-0.04
-0.01
-0.02
-0.01
0.02
0.01
0.02
0.05
growth rate -75.0% 0.0% -100.0% 0.0% 0.0% 0.0% 100.0% -50.0% 100.0% 150.0%
Gross Profit 13,352.00
15,796.00
15,785.00
14,913.00
16,442.00
16,411.00
17,510.00
growth rate 8.8% -0.1% -5.5% 10.3% -0.2% 6.7%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Balance Sheet
Acct.Receivable 771.00
702.00
growth rate -4.6%
Acct.Payable 442,056.00
422,115.00
426,043.00
421,600.00
growth rate -4.5% 0.5% -1.0%
Cur.Assets 252,699.00
148,001.00
147,880.00
growth rate -41.4% 0.0%
Total Assets 810,962.00
812,109.00
829,779.00
829,200.00
growth rate 0.1% 1.1% -0.1%
Cash 49,771.00
60,982.00
67,948.00
growth rate 22.5% 5.6%
Cur.Liabilities 525,138.00
555,880.00
543,396.00
421,600.00
growth rate 5.9% -1.1% -22.4%
Liabilities 761,760.00
762,966.00
781,236.00
781,500.00
growth rate 0.2% 1.2% 0.0%
LT Debt 88,163.00
75,726.00
104,647.00
growth rate -14.1% 17.6%
Equity 48,734.00
48,906.00
48,906.00
48,295.00
47,400.00
growth rate 0.4% 0.0% -1.3% -1.9%
Common Shares 43,379.00
7,197.00
7,196.00
42,000.00
growth rate -83.4% 0.0% 483.7%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures
growth rate
Cash Dividends
growth rate
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 4,450.00
4,195.00
4,324.00
4,688.00
4,402.00
growth rate -5.7% 3.1% 8.4% -6.1%
Op.Income 2,099.00
463.00
1,830.00
2,214.00
2,052.00
growth rate -77.9% 295.3% 21.0% -7.3%
IBT 1,951.00
1,130.00
1,602.00
1,515.00
1,817.00
growth rate -42.1% 41.8% -5.4% 19.9%
Net Income 1,466.00
743.00
1,147.00
1,120.00
1,397.00
growth rate -49.3% 54.4% -2.4% 24.7%
EPS
growth rate
Gross Profit 4,450.00
3,964.00
4,324.00
4,688.00
4,402.00
growth rate -10.9% 9.1% 8.4% -6.1%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (15.44)

YOY Growth Grade:

F (14.60)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.17 10.18 0.07
EPS / Growth -5.6% 0.06 -1.7%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 2.4% 2.4%
Future PE 0.07 5.03 5.03
Future EPS 0.06 0.07 0.07
Value Price
MOS %
0.00
-99.8%
0.09
-84.4%
0.09
-84.4%
MOS Price 0.00 0.05 0.05
IRT 9.65 9.01 9.01

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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