LYG Investment Analysis Report & Stock Research, Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs (LYG)

LYG Stock Report

2-Year Price History

View Larger LYG Chart
NYSE:LYG
$3.03
(2/9 11:27AM)
+3.8%
Open$3.09 Mkt Cap$4.4 Billion
High$3.11 52Wk High$7.47
Low$3.02 52Wk Low$2.05
Volume2.5 Million Avg Vol 10D6.0 Million

Ockham's Rating/Recommendation Summary

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LYG Revenue

As a value investing shop, we are interested in seeing how LYG's revenues measure up against past performances. One easily understandable way of doing that is to compare Price to Sales per share levels over a given time frame. Assuming it is available, Ockham prefers to look at ten years of history (for this stock there are 10 years of history available) and we weigh recent years more heavily. This allows us to find weighted average historical high and low Price to Sales ratios, which give us a better idea of the stock's current underlying value. Using this method, we have established a high range for Price to Sales of 1.40x and the low end of the range at 0.76x.

With respect to these historically rational metrics, notice that the current Price to Sales per share ratio for LYG of 0.16x is well below its normal historic Price to Sales levels. At a price of $3.15, LYG is 86% below where we would expect to see it. Clearly, this stock looks undervalued compared to historical levels, at least on a Price to Sales basis. This will positively affect our analysis because it is rare to find a stock this far below historical norms, and we would expect some price appreciation to bring this metric back towards a more normal range.

LYG Cash Earnings

As the old saying goes, "Cash is King!" We look at reported Cash Earnings, but the main emphasis of our analysis involves stripping out non-cash events such as depreciation from our cash earnings analysis. This helps us view the cash flows more clearly. Nevertheless, an analysis of Cash Earnings (both reported and otherwise) is absolutely pivotal to assessing a company's value, and currently LYG is significantly below its historical average multiple of cash earnings as calculated by Ockham. Similar to our analysis of sales per share, Ockham looks at the last 10 years of cash earnings levels for LYG to identify where the current high and low price levels have been historically in relation to profit per share. Again, we utilize a weighted average methodology which relies more heavily on recent years of data. This weighted average framework provides us with an average high Price to Cash Earnings ratio per share of 19.19 and a 7.99 low over the same period.

Now that LYG’s current price is $3.15 and its Price to Cash Earnings ratio is 4.04, we are very positive on its outlook from the cash earnings perspective. In fact, LYG is now trading a full 71% below its average historical Price to Cash Earnings ratio at these profit per share levels. When our clients ask us why LYG has great long term potential, the Cash Earnings levels to current stock is one of our primary reasons. But naturally, now we need for the overall market to recognize this disparity.

LYG Dividends

While it is not necessary to pay an attractive dividend or a dividend at all, to receive a positive rating from Ockham, we view dividends as an additionally helpful measure in determining the future potential of any company.

Peer Comparison

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Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs Industry Grouping

(2/8/2010)
Company Ticker Market Cap (Ml) Latest
Price
Price/Cash Earnings Price/Sales 5-Yr. Rev.
Growth Rate
5-Yr.
Avg. ROE.
Current 10-Yr. Range* Current 10-Yr. Range*
Peer Company Averages (not including LYG) 81.60 9.11 » 99.02 2.90 1.39 » 5.51 8.99% 10.98%
*10 year range does not include current year values
New York Community Bancorp, Inc. NYB $5.4 Billion $15.02 15.49 7.92 » 95.70 2.96 2.06 » 8.36 13.57% 6.94%
People's United Financial, Inc. PBCT $5.3 Billion $15.24 46.52 10.10 » 56.18 4.97 1.34 » 8.86 9.78% 8.52%
Comerica, Inc. CMA $5.1 Billion $33.42 309.36 8.63 » 293.64 1.63 0.58 » 3.51 3.64% 13.34%
Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs LYG $4.4 Billion $2.92 4.04 2.63 » 47.25 0.16 0.12 » 2.75 2.11% 22.00%
Commerce Bancshares, Inc. CBSH $3.1 Billion $37.80 20.45 10.99 » 22.50 2.84 1.84 » 3.66 6.44% 14.56%
BOK Financial Corp. BOKF $3.1 Billion $45.51 16.16 7.91 » 27.10 2.10 1.12 » 3.19 11.53% 11.56%
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Squawk Box

LYG News Mentioned on Squawk Box Recently

The latest news from business television and influential blogs is always available through Ockham's RazorWire, and this news is in relation to Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs.

We noticed recently that in comparison to all other stocks we analyze in the news; LYG has received less coverage from the financial media in business television and blogs. Crowd sentiment is leaning to the bearish side, according to the robust data set collected by the Motley Fool CAPS survey. Based on our methodology, Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs should hold some appeal to value investors as we view it as Undervalued.

“… 2% and 4%. Now staying with banks in the u.K., LLOYDS BANKING group said the takeout for recent rights issue was over 95%. …”

The Opening Bell on Fox Business

News on LYG From the Pundits on The Opening Bell on Fox Business

Staying informed on the news is invaluable for investors, and RazorWire has captured a recently discussion on LYG from The Opening Bell on Fox Business.

Crowd sentiment is favorable on this stock, as measured by the Motley Fool CAPS survey. At present, Ockham has a valuation stance of Undervalued on LYG, as we could see significant price appreciation based on current fundamentals like cash earnings and revenue. When taking into account the amount of news coverage each stock normally sees as a percentage of the total, Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs has actually sunk a bit in comparison to the others.

“… As far as the financials, a tough session, banks such as royal bank of skld, as well as LLOYDS BANKING trading lower for most of the morning. …”

Squawk Box

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs (LYG) Discussed on CNBC's Squawk Box

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs is in the news. Find out how this impacts LYG trading on Ockham Research.

French banks to stop paying big bonuses to traders. He called bank executives to a about this issue. >> meant, in early european trade, the ftse coming under pressure as LLOYDS BANKING group shares dropped. Lloyds is considering a share issue to loosen the government's grip on that company at least. The ftse down 48 points to 4700. >>> in asia, christine tan standing by in singapore. >> good morning. Asian markets got a boost from the better than expected jobs data data, fueling hopes that the u.S. Can lead the world into recovery. Machinery orders first time high

“… e government's grip on that company at least. The ftse down 48 points to 4700. >>> in asia, christine tan standing by in singapore. >> good morning. Asian markets got a boost from the better than expected jobs data data, fueling hopes that the u.S. Can lead the world into recovery. Machinery orders first time high …”

Money For Breakfast

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs (LYG) Discussed on Fox Business's Money For Breakfast

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs is in the news. Find out how this impacts LYG trading on Ockham Research.

Both of those last two indices down by about 1.4%. And in other headlines, well, hundreds of offshore financing jobs are being axed by a bank pardoned by the u.K. Taxpayer LLOYDS BANKING group is cutting more than 240 jobs in a shakeup of its offshore operations in the british isles and in london. Now, in april the bank announced it was to cut nearly a thousand

“… rations in the british isles and in london. Now, in april the bank announced it was to cut nearly a thousand …”

Closing Bell

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs (LYG) Discussed on CNBC's Closing Bell

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs is in the news. Find out how this impacts LYG trading on Ockham Research.

See. Is a full-scale nationalization the ultimate result of what will occur as a result of what's gone on? >> neither the LLOYDS BANKING group nor rbs are in government they have their own boards of >> but the government owns, you know -- controls 80% of rbs.

“… rbs. …”

Squawk On The Street

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs (LYG) Discussed on CNBC's Squawk On The Street

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs is in the news. Find out how this impacts LYG trading on Ockham Research.

That s&p number in the close. Figure that's all anybody is talking about right here, where is the s&p going to close? We have banking news over here as well. The LLOYDS BANKING group, out with numbers today. Hard on the heels of the rbs today, though, a very different reaction to those figures. Partly because of what's happening with citi.

“… ery different reaction to those figures. Partly because of what's happening with citi. …”

Squawk On The Street

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs (LYG) Discussed on CNBC's Squawk On The Street

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs is in the news. Find out how this impacts LYG trading on Ockham Research.

The news and really ahead of the news on this insurance scheme, but it is expected to post the biggest loss we've ever seen in so look out for that one that's going to be a fairly big the LLOYDS BANKING group which is around 50% owned by the british government, rbs is around 70% owned. It is also part of that story. Trading up by 9.1%. Big question surrounding what

“… nment, rbs is around 70% owned. It is also part of that story. Trading up by 9.1%. Big question surrounding what …”

Money For Breakfast

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs (LYG) Discussed on Fox Business's Money For Breakfast

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs is in the news. Find out how this impacts LYG trading on Ockham Research.

Off about 1 1/2% trying to get higher at the moment. An incentive for lloyds bank to loosen the purse strings that story today the financial times is reporting that the u.K. Government is set to drop the annual interest bill charged to LLOYDS BANKING group on a taxpayer loan. In exchange, lloyds must promise to provide extra mortgage funding and loans to small lloyds stock though down 6% in london. >>> a possible lifeline for gm

“… p on a taxpayer loan. In exchange, lloyds must promise to provide extra mortgage funding and loans to small lloyds stock though down 6% in london. >>> a possible lifeline for gm …”

Squawk On The Street

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs (LYG) Discussed on CNBC's Squawk On The Street

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs is in the news. Find out how this impacts LYG trading on Ockham Research.

>>> welcome back to "squawk on the story emanating from london in the last half hour. LLOYDS BANKING group coming by with a surprise trading statement detailing some of the losses that will be happening at hbos, the business it picked up fairly recently, a 10 billion loss.

“… a 10 billion loss. …”

Fast Money

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs (LYG) Discussed on CNBC's Fast Money

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs is in the news. Find out how this impacts LYG trading on Ockham Research.

>> would you then go to somebody's house and physically abuse them and force them to sell that stuff. >> the physical abuse thing is it's all about pain pressure. Lloyd's banking group incredible lyg, 66% the move. What's going on here? >> almost get the sense that the fdic was going to take over lloyd's and barclays. All of these guys rallied on our

“… sense that the fdic was going to take over lloyd's and barclays. All of these guys rallied on our …”

View All Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs Stock News

Key Fundamentals

LYG - Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs Fundamentals
Price (2/9 11:27AM) $3.03
Volume (2/9 11:27AM) 2.5 Million
Last Close Price $2.92
10 Day Average Volume 6.0 Million
13 Week Price Range $2.92 - $6.23
52 Week Price Range $2.05 - $7.47
LTM Revenue $30.7 Billion
 
Shares Outstanding (12/2008) 1.6 Billion
Market Capitalization $4.4 Billion
Shares Held By Institutions 14.8 Million
Institutional Holders 107
% Shares Held By Institutions 0.20%
Earnings Per Share (EPS) $0.82
P/E Ratio 3.60
Book Value Per Share $35.48
 
Gross Margin n/a%
Annual Dividend 0.00
Dividend Yield 0.00%
Beta 2.09
Fiscal Year Ends December

About Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs

Lloyds Banking Group PLC - Shs Sponsored American Deposit Receipt Repr 4 Shs is considered to operate in the Financial sector. They specifically operate in the Foreign Money Center Banks business segment contained within the Banking industry.

The Company provides banking and financial services in the United Kingdom, the United States and Europe. It operates through four divisions: Retail, Insurance, Wealth and International, and Wholesale.