Discounted Cash Flow
Lloyds Banking Group Plc. ADR
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
| Dividends | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $53.7b | $2.8b | $-1.1b | 5.2% | $0.02 |
| 2017 | $46.4b (-13.6%) | $5.2b (84.5%) | $-4.3b (-288.7%) | 11.1% (113.5%) | $0.05 (104.2%) |
| 2018 | $30.0b (-35.5%) | $5.8b (13.0%) | $-15.1b (-247.6%) | 19.5% (75.1%) | $0.06 (12.2%) |
| 2019 | $57.5b (91.7%) | $4.0b (-32.0%) | $15.3b (201.6%) | 6.9% (-64.5%) | $0.04 (-36.4%) |
| 2020 | $39.6b (-31.1%) | $1.8b (-54.9%) | $1.8b (-88.3%) | 4.5% (-34.6%) | $0.01 (-65.7%) |
| 2021 | $50.8b (28.4%) | $7.8b (338.8%) | $9.0b (402.4%) | 15.4% (241.8%) | $0.07 (525.0%) |
| 2022 | $7.9b (-84.5%) | $7.4b (-5.6%) | $24.6b (174.2%) | 94.0% (508.5%) | $0.07 (-2.7%) |
| 2023 | $48.0b (509.6%) | $7.4b (0.0%) | $1.8b (-92.5%) | 15.4% (-83.6%) | $0.08 (4.1%) |
| 2024 | $46.5b (-3.2%) | $6.0b (-19.0%) | $-13.6b (-839.2%) | 12.9% (-16.4%) | $0.06 (-17.1%) |
| 2025 | $26.3b (-43.3%) | $6.3b (5.4%) | $-843.7m (93.8%) | 24.0% (86.0%) | $0.07 (11.1%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
SEC filings report in GBP. Values above are converted to USD for comparison with the US-listed share price.
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Net debt deduction: —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.