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Lloyds Banking Group plc
LYGFinancial ServicesNYSEGB
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $65.00B | 7.2% | $4.68B | -$650.01M | N/A |
| 2027 | $68.12B | 7.2% | $4.90B | -$681.21M | -$619.28M |
| 2028 | $71.39B | 7.2% | $5.14B | -$713.91M | -$590.01M |
| 2029 | $74.82B | 7.2% | $5.39B | -$748.18M | -$562.12M |
| 2030 | $78.41B | 7.2% | $5.65B | -$784.09M | -$535.54M |
| 2031 | $82.17B | 7.2% | $5.92B | -$821.72M | -$510.23M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $0.27 | 2025-12-31 |
| EPS growth | +9.1% | Forecast years: 5 |
| Future EPS | $0.417 | EPS × (1 + G)^5 |
| Base P/E | 12.6 | P/E |
| Future price | $5.258 | Future EPS × P/E |
| Fair value today | $3.265 | PV @ 10.0% |
| 30% safety price | $2.286 | Margin of safety |
| 50% safety price | $1.633 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -$4.034 | -$4.142 | -$4.289 |
| 10.0% | -$3.925 | -$4.004 | -$4.108 |
| 11.0% | -$3.839 | -$3.899 | -$3.976 |