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Lloyds Banking (LLOY) Ratios
Lloyds Banking Ratios
GB:LLOY's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, GB:LLOY's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.12 | 0.28 | 0.29 | 0.29 | 0.29 |
| Quick Ratio | 0.12 | 0.28 | 0.29 | 0.29 | 0.29 |
| Cash Ratio | 0.11 | 0.13 | 0.16 | 0.19 | 0.16 |
| Solvency Ratio | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | -0.01 | 0.01 | 0.05 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.06 | 0.00 | 0.00 | 0.00 | 0.11 |
| Net Current Asset Value | $ -832.47B | $ -722.16B | $ -694.14B | $ -688.91B | $ -694.19B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.15 | 0.10 | 0.11 | 0.11 | 0.10 |
| Debt-to-Equity Ratio | 2.97 | 1.94 | 1.99 | 2.10 | 1.74 |
| Debt-to-Capital Ratio | 0.75 | 0.66 | 0.67 | 0.68 | 0.63 |
| Long-Term Debt-to-Capital Ratio | 0.60 | 0.66 | 0.67 | 0.68 | 0.63 |
| Financial Leverage Ratio | 19.81 | 19.83 | 18.69 | 20.00 | 16.75 |
| Debt Service Coverage Ratio | 0.06 | 0.42 | 0.57 | 1.34 | 0.14 |
| Interest Coverage Ratio | 0.38 | 0.31 | 0.51 | 1.01 | 2.89 |
| Debt to Market Cap | 2.40 | 2.59 | 2.70 | 2.94 | 4.43 |
| Interest Debt Per Share | 2.66 | 1.72 | 1.49 | 1.40 | 1.33 |
| Net Debt to EBITDA | 12.75 | 2.75 | 1.49 | -0.03 | 1.57 |
| Profitability Margins | |||||
| Gross Profit Margin | 55.28% | 49.46% | 56.55% | 77.26% | 87.25% |
| EBIT Margin | 16.26% | 15.87% | 22.10% | 23.02% | 36.89% |
| EBITDA Margin | 16.26% | 24.98% | 30.66% | 34.55% | 51.99% |
| Operating Profit Margin | 16.26% | 15.87% | 22.10% | 23.02% | 36.89% |
| Pretax Profit Margin | 16.26% | 15.87% | 22.10% | 23.02% | 36.89% |
| Net Profit Margin | 10.24% | 11.75% | 16.08% | 18.42% | 30.91% |
| Continuous Operations Profit Margin | 11.61% | 11.90% | 16.25% | 18.89% | 31.45% |
| Net Income Per EBT | 62.99% | 74.04% | 72.77% | 80.03% | 83.80% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.44% | 0.49% | 0.62% | 0.44% | 0.65% |
| Return on Equity (ROE) | 8.80% | 9.67% | 11.58% | 8.76% | 10.93% |
| Return on Capital Employed (ROCE) | 1.54% | 1.44% | 1.86% | 1.23% | 1.72% |
| Return on Invested Capital (ROIC) | 0.95% | 1.08% | 1.37% | 1.01% | 1.47% |
| Return on Tangible Assets | 0.45% | 0.49% | 0.63% | 0.44% | 0.66% |
| Earnings Yield | 7.14% | 12.93% | 15.72% | 12.24% | 17.06% |
| Efficiency Ratios | |||||
| Receivables Turnover | 30.43 | 0.00 | 0.00 | 0.00 | 0.00 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 0.00 | 3.72 | 3.51 | 2.56 | 2.35 |
| Asset Turnover | 0.04 | 0.04 | 0.04 | 0.02 | 0.02 |
| Working Capital Turnover Ratio | -0.10 | -0.11 | -0.10 | -0.06 | -0.06 |
| Cash Conversion Cycle | 12.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Sales Outstanding | 12.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 12.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.07 | -0.07 | 0.09 | 0.32 | 0.09 |
| Free Cash Flow Per Share | -0.01 | -0.16 | 0.02 | 0.26 | 0.05 |
| Dividend Paid and CapEx Coverage Ratio | 0.63 | -0.59 | 0.96 | 4.13 | 1.61 |
| Capital Expenditure Coverage Ratio | 0.87 | -0.78 | 1.25 | 5.71 | 2.05 |
| Operating Cash Flow Coverage Ratio | 0.03 | -0.05 | 0.07 | 0.24 | 0.07 |
| Operating Cash Flow to Sales Ratio | 0.11 | -0.12 | 0.20 | 1.06 | 0.35 |
| Free Cash Flow Yield | -1.09% | -29.30% | 3.90% | 58.07% | 10.01% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 13.99 | 8.71 | 6.36 | 8.17 | 5.86 |
| Price-to-Sales (P/S) Ratio | 1.43 | 0.91 | 1.02 | 1.51 | 1.81 |
| Price-to-Book (P/B) Ratio | 1.23 | 0.75 | 0.74 | 0.72 | 0.64 |
| Price-to-Free Cash Flow (P/FCF) Ratio | -91.92 | -3.41 | 25.63 | 1.72 | 9.99 |
| Price-to-Operating Cash Flow Ratio | 13.25 | -7.78 | 5.10 | 1.42 | 5.12 |
| Price-to-Earnings Growth (PEG) Ratio | 1.21 | -0.51 | 0.12 | -0.23 | 0.01 |
| Enterprise Value Multiple | 21.57 | 6.39 | 4.83 | 4.33 | 5.06 |
| Enterprise Value | 143.68B | 60.01B | 50.29B | 31.05B | 49.18B |
| EV to EBITDA | 21.57 | 6.39 | 4.83 | 4.33 | 5.06 |
| EV to Sales | 3.51 | 1.60 | 1.48 | 1.49 | 2.63 |
| EV to Free Cash Flow | -224.85 | -5.99 | 37.12 | 1.71 | 14.50 |
| EV to Operating Cash Flow | 32.42 | -13.66 | 7.38 | 1.41 | 7.43 |
| Tangible Book Value Per Share | 0.66 | 0.60 | 0.54 | 0.53 | 0.66 |
| Shareholders’ Equity Per Share | 0.80 | 0.73 | 0.65 | 0.63 | 0.75 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.29 | 0.25 | 0.26 | 0.18 | 0.15 |
| Revenue Per Share | 0.69 | 0.60 | 0.47 | 0.30 | 0.26 |
| Net Income Per Share | 0.07 | 0.07 | 0.07 | 0.06 | 0.08 |
| Tax Burden | 0.63 | 0.74 | 0.73 | 0.80 | 0.84 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.06 | -1.12 | 0.91 | 3.18 | 0.96 |
Currency in GBP
