What Is Lloyds Banking Group Plc (LYG) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Lloyds Banking Group Plc presents a highly debated valuation profile at its current price of $5.90. The composite intrinsic value is estimated at $4.61 (-21.8% average upside), masking a wide model spread between the 4 bullish models and 6 bearish models. Model dispersion is worth noting: ML-RIV targets $9.01 (+52.7%), versus EROIC at $1.79 (-69.6%). This +122.4% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About LYG?
11 of 13 models are currently active for LYG. Of these, 4 models suggest upside while 7 models suggest overvaluation. The Bayesian DCF estimates LYG's intrinsic value at $1.94, implying -67.2% downside from the current price. See which stocks rank higher →
How Does LYG Rank in Commercial Banks, NEC?
Among 33 Commercial Banks, NEC stocks, LYG ranks #27 by Quality of Company score. CirclFi's QOC score of 2.2/10 evaluates 32 fundamental signals. A score of 2.2 signals below-average fundamentals.
See all Most Undervalued Commercial Banks, NEC Stocks →
Lloyds Banking Group Plc's positioning within the Commercial Banks, NEC segment means that return on tangible equity plays an outsized role in fundamental analysis. The sector's unique characteristics — including fee income diversification — shape both the opportunity set and risk profile.
Is LYG a Value Trap?
The Value Trap algorithm is not active for LYG. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
11 of 13 models are active for Lloyds Banking Group Plc. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, Lloyds Banking Group Plc scores 2.2 out of 10 on our 32-signal quality assessment, a weak rating that exhibits fundamental weaknesses that warrant careful scrutiny. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +122.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every LYG valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across LYG's 11 active models, average confidence is 7%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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