Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom. It operates through three segments: Retail; Commercial Banking; and Insurance and Wealth. Based on the Lloyds Banking Group plc stock forecasts from 7 analysts, the average analyst target price for Lloyds Banking Group plc is GBX 59.64 over the next 12 months. Lloyds Banking Group plc’s average analyst rating is Strong Buy. Stock Target Advisor’s own stock analysis of Lloyds Banking Group plc is Slightly Bearish, which is based on 3 positive signals and 5 negative signals. At the last closing, Lloyds Banking Group plc’s stock price was GBX 43.60. Lloyds Banking Group plc’s stock price has changed by -0.63% over the past week, -5.44% over the past month and -10.05% over the last year.

1. Page 1 of 9 Any information in this report is not , and should not be regarded as investment advice or as a recommendation regarding any particular security or course of
action. We recommend seeking a licensed professional for investment advice.
LLOY:LSE (Lloyds Banking Group plc)
Banks-Regional | LSE | Common Stock
Values as of 22nd May, 2022
Stock Target Advisor
Detailed Stock Report
Report Date: 23rd May, 2022
Last Close
GBX 43.60
Change
+0.00(+0.00%)
Market Cap
GBX 30.18B
1 Yr Capital Gain
-10.05%
1 Yr Dividend Return
0.04%
1 Yr Total
Return
-10.01%
Earning Growth (5 yr)
67.31%
Average Target Price
59.64(+36.78% )
Average Analyst
Rating
Strong Buy
Fundamental
Analysis
Slightly Bearish
Our view of the stock is Slightly Bearish with a score of 3.7 out of 10, where 0 is very bearish and 10 very bullish
What to like
High market capitalization
This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.
Superior total returns
The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top
quartile.
Positive cash flow
The company had positive total cash flow in the most recent four quarters.
What to not like
High volatility
The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.
Overpriced compared to book value
The stock is trading high compared to its peers median on a price to book value basis.
Overpriced on cashflow basis
The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering
to buy.
Low Revenue Growth
This stock has shown below median revenue growth in the previous 5 years compared to its sector
Low Dividend Growth
This stock has shown below median dividend growth in the previous 5 years compared to its sector.

2. Page 2 of 9 Any information in this report is not , and should not be regarded as investment advice or as a recommendation regarding any particular security or course of
action. We recommend seeking a licensed professional for investment advice.
LLOY:LSE:LSE (Lloyds Banking Group plc)
Banks-Regional | | Common Stock
Stock Target Advisor
Detailed Stock Report
Report Date: 23rd May, 2022
Adjusted Closing Share Volume
Relative Returns Relative Performance (Total Returns)
Security Capital Gain Dividend Return Total Return
LLOY:LSE
Lloyds Banking Group plc
-10% +0% -10%
VUKE:LSE
Vanguard Funds Public
Limited Company - Vanguard
FTSE 100 UCITS ETF
+5.3% +3.6% +8.9%
Company Overview
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom. It
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, mortgages, motor finance, unsecured loans, leasing solutions, and credit cards to
personal and small business customers. The Commercial Banking segment provides lending, transactional banking, working capital
management, risk management, debt financing, and debt capital market services to small and medium-sized entities, corporates, and
financial institutions. The Insurance and Wealth segment offers insurance, investment and wealth management products and services. It
also provides digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, and
Scottish Widows brands. Lloyds Banking Group plc was founded in 1695 and is based in London, the United Kingdom.

3. Page 3 of 9 Any information in this report is not , and should not be regarded as investment advice or as a recommendation regarding any particular security or course of
action. We recommend seeking a licensed professional for investment advice.
Company Website
https://www.lloydsbankinggroup.com
Address
25 Gresham Street, London, United Kingdom, EC2V 7HN
Fiscal Year End
December
Employees
57955
Technical Indicators
Value Value
Beta 1.32 52 Week High 55.98
Short Ratio N/A 52 Week Low 38.08
Shorted Shares N/A 200 Day Moving Average 47.48
Shorted Shares Previous Month N/A 50 Day Moving Average 45.95
Shares Held By Insiders 36.80% Short Percentage N/A
Shares Held by Institutions 48.87 Dividend Yield 5.92%

4. Page 4 of 9 Any information in this report is not , and should not be regarded as investment advice or as a recommendation regarding any particular security or course of
action. We recommend seeking a licensed professional for investment advice.
LLOY:LSE:LSE (Lloyds Banking Group plc)
Banks-Regional | | Common Stock
Stock Target Advisor
Detailed Stock Report
Report Date: 23rd May, 2022
Market Performance
Market Performance vs. Industry / Classification (Banks-Regional) Market Performance vs. Exchange (Nasdaq Global Select)
Value Sector Median
Percentile
Rank
Grade Market Median Percentile Rank Grade
YTD
Capital Gain -8.79% -8.8% 54% -11.4% 57%
Dividend Return 0.03% 0.0% 40% 0.0% 61%
Total Return -8.76% -8.8% 54% -11.3% 57%
Trailing 12 Months
Capital Gain -10.05% -9.9% 42% -7.1% 42%
Dividend Return 0.04% 0.0% 75% 0.0% 56%
Total Return -10.01% -9.9% 38% -7.0% 42%
Trailing 5 Years
Capital Gain -39.58% -39.6% 50% 7.4% 18%
Dividend Return 13.38% 7.1% 83% 8.8% 72%
Total Return -26.20% -29.6% 60% 11.6% 21%
Average Annual (5 Year Horizon)
Capital Gain 8.61% 8.6% 54% 6.9% 56%
Dividend Return 3.62% 2.0% 75% 1.2% 85%
Total Return 12.23% 12.2% 54% 7.7% 64%
Risk Return Profile
Volatility (Standard
Deviation)
414.66% 85.6% 31% 23.2% 9%
Risk Adjusted Return 2.95% N/A 54% 29.7% 24%
Market Capitalization 30.18B 0.67B 100% 0.65B 93%

5. Page 5 of 9 Any information in this report is not , and should not be regarded as investment advice or as a recommendation regarding any particular security or course of
action. We recommend seeking a licensed professional for investment advice.
Key Financial Ratios
Ratios vs. Industry / Classification (Computer Hardware) Ratios vs. Exchange (Nasdaq Global Select)
Value Sector Median
Percentile
Rank
Grade Market Median Percentile Rank Grade
Market Value
peratio 6.1 7.8 69% 15.9 83%
pbratio 0.6 0.4 38% 1.2 88%
pcfratio 4.6 0.4 8% 7.7 62%
pfcfratio N/A 0.0 N/A 9.7 N/A
Management Effectiveness
retequity 11.22% 10.1% 62% 13.5% 45%
retinvcap -1.00% -0.7% 38% 2.9% 35%
retass 0.64% 0.5% 54% 3.2% 29%
debtequityratio N/A 1,460.0% N/A 39.1% N/A
Technical Ratios
yield 5.92% 5.8% 63% 2.4% 86%
sratio N/A 0.00 N/A 0.00 N/A
spercent N/A N/A N/A N/A N/A
beta 1.32 1.37 54% 1.00 20%

6. Page 6 of 9 Any information in this report is not , and should not be regarded as investment advice or as a recommendation regarding any particular security or course of
action. We recommend seeking a licensed professional for investment advice.
LLOY:LSE:LSE (Lloyds Banking Group plc)
Banks-Regional | | Common Stock
Stock Target Advisor
Detailed Stock Report
Report Date: 23rd May, 2022
Recent Analyst Ratings
Price Action Rating Action Analyst Rating Price date
Target Raised by JP Morgan & Company Overweight GBX 60 » GBX 61 2022-05-19
Reiterated by Morgan Stanley Overweight GBX 62 2022-04-14
Downgraded by Barclays Equal Weight GBX 64 » GBX 58 2022-04-05
Downgraded by RBC Royalbank Underperform GBX 45 » GBX 44 2022-03-30
Target Raised by JP Morgan & Company Overweight GBX 56 » GBX 60 2022-03-29
Reiterated by RBC Royalbank Outperform 2022-03-15
Target Lowered by JP Morgan & Company Overweight GBX 63 » GBX 56 2022-03-14
Reiterated by Deutsche Bank Capital Buy GBX 63 2022-02-25
Reiterated by JP Morgan & Company Overweight GBX 63 2022-02-25
Reiterated by Morgan Stanley Overweight 2022-02-09
Target Set by Jefferies Financial LLC GBX 63 2022-01-11
Reiterated by Citigroup Buy 2021-12-17
Target Raised by Deutsche Bank Capital Buy GBX 60 » GBX 63 2021-12-07
Reiterated by Citigroup Overweight 2021-12-06
Target Lowered by JP Morgan & Company Overweight GBX 65 » GBX 63 2021-12-06
Reiterated by JP Morgan & Company Overweight 2021-11-08
Reiterated by Deutsche Bank Capital Buy GBX 60 2021-10-29
Target Raised by Barclays Overweight GBX 62 » GBX 64 2021-10-15
Maintains Goldman Sachs Neutral GBX 49 2021-09-29
Target Raised by JP Morgan & Company Overweight GBX 59 » GBX 60 2021-07-30
Reiterated by Shore Capital Buy 2021-07-29
Target Raised by JP Morgan & Company Overweight GBX 54 » GBX 59 2021-06-12
Target Raised by Barclays Overweight GBX 55 » GBX 60 2021-06-08
Target Set by Goldman Sachs Neutral GBX 48 2021-04-29
Target Set by Jefferies Financial LLC Buy GBX 55 2021-04-23

7. Page 7 of 9 Any information in this report is not , and should not be regarded as investment advice or as a recommendation regarding any particular security or course of
action. We recommend seeking a licensed professional for investment advice.
LLOY:LSE:LSE (Lloyds Banking Group plc)
Banks-Regional | | Common Stock
Stock Target Advisor
Detailed Stock Report
Report Date: 23rd May, 2022
Annual Financial (GBX)

8. Page 8 of 9 Any information in this report is not , and should not be regarded as investment advice or as a recommendation regarding any particular security or course of
action. We recommend seeking a licensed professional for investment advice.
LLOY:LSE:LSE (Lloyds Banking Group plc)
Banks-Regional | | Common Stock
Stock Target Advisor
Detailed Stock Report
Report Date: 23rd May, 2022
Quarterly Financial (GBX)

9. Page 9 of 9 Any information in this report is not , and should not be regarded as investment advice or as a recommendation regarding any particular security or course of
action. We recommend seeking a licensed professional for investment advice.
LLOY:LSE:LSE (Lloyds Banking Group plc)
Banks-Regional | | Common Stock
Stock Target Advisor
Detailed Stock Report
Report Date: 23rd May, 2022
Largest Industry Peers for Banks-Regional
Symbol Company Name Price(Change) Market Cap
BIRG:LSE Bank Of Ireland Group plc N/A GBX 6.28B
AIBG:LSE AIB Group plc N/A GBX 5.17B
VMUK:LSE Virgin Money UK PLC N/A GBX 2.06B
NBS:LSE Nationwide Building Society N/A GBX 1.73B
TBCG:LSE TBC Bank Group PLC N/A GBX 0.70B
BGEO:LSE Bank of Georgia Group PLC N/A GBX 0.67B
IL0A:LSE Permanent TSB Group Holdings p.. N/A GBX 0.65B
BOCH:LSE Bank of Cyprus Holdings Public.. N/A GBX 0.39B
STB:LSE Secure Trust Bank PLC N/A GBX 0.20B
ARBB:LSE Arbuthnot Banking Group PLC N/A GBX 0.14B
The Stock Target Advisor platform run millions of calculations every day on over 30,000 Canadian and American stocks, comparing and
ranking their financial and market performance against their sectors and exchange.
We represent the percentile ranking using the following grading system.
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%