LYG

LYG — Valuation Models

Interactive models with editable assumptions. All calculations run client-side.

Valuation Summary

ModelIntrinsic Valuevs Price ($5.37)
DCF$1.57-70.8%
Graham Number$2.81-47.7%
Reverse DCF
DDM$4.12-23.3%
EV/EBITDA

Values reflect default assumptions. Adjust inputs in each model below to update.

1 — Discounted Cash Flow (DCF)

Assumptions

Yahoo: —
Rev: 14.4% / EPS: 146.4%
Default: 9% (no SEC data)

Results

Intrinsic Value / share$1.57
Current Price$5.37
Upside / Downside-70.8%
Net Debt (used)-$23.01B
Sensitivity: WACC (rows) × Near-term g (cols)
WACC \ Near-term138.4%142.4%146.4%150.4%154.4%
7.0%$1.57$1.57$1.57$1.57$1.57
8.0%$1.57$1.57$1.57$1.57$1.57
9.0%$1.57$1.57$1.57$1.57$1.57
10.0%$1.57$1.57$1.57$1.57$1.57
11.0%$1.57$1.57$1.57$1.57$1.57

2 — Graham Number

Assumptions

Graham used 22.5 (15× P/E × 1.5× P/B)
Yahoo: $0.37
Yahoo: $0.95

Results

Graham Number$2.81
Current Price$5.37
Margin of Safety-47.7%
Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

Default: 9% (no SEC data)

Results

Reverse DCF requires positive TTM free cash flow.
Current Price$5.37
Implied Near-term FCF Growth
Historical Revenue Growth14.4%
Historical Earnings Growth146.4%
Base FCF (TTM)
Implied growth is the FCF growth rate (yrs 1–5) that makes the DCF intrinsic value equal the current price. Long-term growth is set to half the implied near-term rate.

4 — Dividend Discount Model (DDM)

Assumptions

Yahoo: $0.20

Results

DDM Intrinsic Value / share$4.12
Current Price$5.37
Upside / Downside-23.3%
Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

Yahoo: —
Current: —×
Default: -$23.01B

Results

Implied Equity Value / share$1.57
Current Price$5.37
Upside / Downside-70.8%
Implied EV$0