COMP <GO>
LYG vs JPM // ALTMAN Z-SCORE & DEBT/EQUITY
Lloyds Banking Group Plc (NYSE) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: LYG 5
— JPM 9
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: LYG
LAST: $5.00 (-4.76%) • MKT CAP: $77.81B
balance-sheet
3.74
LAST: $337.04 (-1.90%) • MKT CAP: $895.92B
balance-sheet
0.37
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (LYG VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | LYG | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.90% | 17.37% | -7.47 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 21.0x | 9.7x | +11.33 | JPM | /valuation <GO> |
| Free Cash Flow Yield | 2.21% | -18.14% | +20.35 | LYG | /fcf-yield <GO> |
| Operating Margin | 13.90% | 42.07% | -28.17 | JPM | /operating-margins <GO> |
| Net Profit Margin | 10.90% | 32.63% | -21.73 | JPM | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | 13.53% | +9.57 | LYG | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.96% | -1.96 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 3.74 | 0.37 | +3.37 | LYG | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 2/9 | +6.00 | LYG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.00% | 4.84% | +2.16 | JPM | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 29.4 | 49.0 | -19.61 | JPM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.02 | 1.00 | +0.02 | LYG | /macro-sensitivity <GO> |
| Forward P/E Multiple | 27.6x | 13.6x | +14.03 | JPM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $77.81B | $895.92B | -$818.10B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | LYG REV | JPM REV | LYG GROSS % | JPM GROSS % | LYG FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | — | $182.45B | — | — | — | -$147.78B |
| FY 2024 | — | $177.56B | — | — | — | -$42.01B |
| FY 2023 | — | $158.10B | — | — | — | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
LYG // BETA 1.02
JPM // BETA 1.00