Intrinsiqq
Lloyds Banking Group plc logo

Lloyds Banking Group plc Quality Score

LLOY.XLON

⊜ Compare
Quality83

Valuation remains strong (avg 90/100), but business quality is pulling the composite down (avg 78/100).

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
90/100
10.8x

Under 20x, reasonable relative to earnings

Price / Book
90/100
1.20x

1.2x book, reasonable for a financial

Revenue Growth
70/100
7.3%

5–10% CAGR, steady but not exceptional

Book Value Growth
100/100
8.5%

Above 8% book-value compounding, strong

Business Quality & Capital Allocation

Share Dilution
100/100
-14.6%

Shrinking >2%, active buybacks

Return on Equity
80/100
11.1%

10–15%, healthy ROE

Capital Adequacy
60/100
5.1%

5.1% equity/assets, adequate

Margin Trend
70/100
+0.7pp

Slight expansion, directionally positive

Lloyds Banking Group (LLOY.XLON) quality: score, margins and returns

Lloyds Banking Group (LLOY.XLON) scores 83/100 on Intrinsiqq's quality score (a high-quality business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from company filings; this is analysis, not investment advice.

Frequently asked

Is Lloyds Banking Group (LLOY.XLON) a high-quality business?+

Lloyds Banking Group scores 83 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a high-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Lloyds Banking Group's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from LLOY.XLON's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Lloyds Banking Group scores well and where it falls behind.

How profitable is Lloyds Banking Group?+

Lloyds Banking Group runs a net margin of about 25.1%. Revenue has grown at roughly 5.2% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.

More on LLOY.XLON: Overview · DCF valuation · Dividend safety · Financials
How the market compares: US profitability statistics

Peers

Banks - Regional · Pick stocks to compare with LLOY.XLON

CompareIntrinsic value
STAN.XLONStandard Chartered PLC
£21.31+3.80%85
BARC.XLONBarclays PLC
£4.36+3.91%87
STJ.XLONSt. James's Place Plc
£11.43+5.74%53
PHNX.XLONPhoenix Group
£9.45+1.67%12
LSEG.XLONLondon Stock Exchange Group PLC
£97.72+3.36%47
QLT.XLONQuilter plc
£1.91+2.47%77
NBS.XLONNationwide Building Society
£125.00+0.00%77
III.XLON3i Group PLC
£26.33+2.77%54

Held by ETFs

LLOY.XLON is in 137 US ETFs. The largest of them, with LLOY.XLON's weight in each:

Spot a number that looks wrong?

Download this analysis as a PDF (Pro)

Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

2 of 2 free stocks used today

Keep analysing LLOY.XLON

Create a free account and get 14 days of Premium: every stock and every tool.

  • Unlimited stocks
  • Stock screener
  • Portfolio tracker
  • Editable DCF
  • Compare side by side
  • Unlimited alerts

No card. Moves to Free after, unless you upgrade.

Already have an account?

Or come back tomorrow. Stocks on your watchlist are always free to view.

SectorsPrivacyTerms© 2026 Intrinsiqq

Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.