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Lloyds Banking Group PLC (LYG) vs Truist Financial Corporation (TFC)

Lloyds Banking Group PLC and Truist Financial Corporation are both Banks Regional companies. Lloyds Banking Group PLC is the larger, with a market value of $74.1B against $59.7B — 1.2× the size. Lloyds Banking Group PLC trades at the lower P/E: 12.0× against 12.7×. Truist Financial Corporation grew revenue faster over the last twelve months: −5.37% against −76.8%. Lloyds Banking Group PLC has the higher net margin (55.0% vs 16.9%) and the lower return on invested capital (0.00% vs 6.19%). Both pay a dividend; Truist Financial Corporation yields more (4.16% vs 4.13%). Across the 19 metrics below, Truist Financial Corporation leads on 13 and Lloyds Banking Group PLC on 6.

Valuation

Metric LYG TFC Banks Regional median
P/E 11.98 12.72 12.02
P/S 6.71 2.10 2.36
P/B 1.20 1.08 1.23
Price to free cash flow 2.01 13.25 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.35% 7.86% 8.21%
Free cash flow yield 49.87% 7.55% 9.23%

Profitability

Metric LYG TFC Banks Regional median
Gross margin 66.28% 67.41% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 55.01% 16.91% 18.82%
Free cash flow margin 0.00% 21.06% 17.97%
Return on equity 0.00% 8.41% 10.28%
Return on assets 0.00% 0.89% 1.13%
Return on invested capital 0.00% 6.19% 8.45%

Growth

Metric LYG TFC Banks Regional median
Revenue growth (TTM) (76.84%) (5.37%) 6.37%
EPS growth (last fiscal year) 13.56% 13.69% 18.85%
Revenue growth, 5-year CAGR 3.00% 4.50% 12.65%
Net income growth, 5-year CAGR 37.87% 3.52% 9.81%

Health

Metric LYG TFC Banks Regional median
Debt to equity 2.19 0.87 0.17
Current ratio 0.57 0.88 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LYG TFC Banks Regional median
Dividend yield 4.13% 4.16% 2.49%
Payout ratio 0.60 0.54 0.29

Size

Metric LYG TFC Banks Regional median
Market cap 74.10b 59.73b 934.85m

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