HBAN vs. LYG: Huntington Bancshares vs. Lloyds Banking Stock Comparison

Company Profile

Huntington Bancshares (HBAN) and Lloyds Banking (LYG) both belong to the Banks industry, though HBAN is classified under Regional Banks while LYG falls under Diversified Banks.

Huntington Bancshares (HBAN) trades as ordinary local shares, while Lloyds Banking (LYG) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Lloyds Banking (LYG) at 13.69% sits in the top ROE quartile, while Huntington Bancshares (HBAN) at 9.19% is in the bottom quartile, showing a clear gap in returns on equity.

Lloyds Banking (LYG) at 30.61% keeps about the industry-typical share of revenue as profit, while Huntington Bancshares (HBAN) at 25.37% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Huntington Bancshares (HBAN) in Banks and Lloyds Banking (LYG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Huntington Bancshares (HBAN) at 10.22% and Lloyds Banking (LYG) at 7.66% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both Huntington Bancshares (HBAN) at 13.93% and Lloyds Banking (LYG) at 11.29% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Huntington Bancshares (HBAN) in Banks and Lloyds Banking (LYG) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Huntington Bancshares (HBAN) in Banks and Lloyds Banking (LYG) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Huntington Bancshares (HBAN) at 3.97% offers top-quartile income, while Lloyds Banking (LYG) at 0.77% sits in the bottom quartile — a wide gap in cash returned to shareholders.

Both Huntington Bancshares (HBAN) at 50.82% and Lloyds Banking (LYG) at 41.85% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Lloyds Banking (LYG) at 9.79 sits in the cheaper P/E ratio quartile, while Huntington Bancshares (HBAN) at 12.68 is closer to its industry’s usual earnings multiple — a discount for LYG, though growth and earnings durability still matter.

P/S ratio is set aside for both Huntington Bancshares (HBAN) in Banks and Lloyds Banking (LYG) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Huntington Bancshares (HBAN) at 1.06 sits in the lower P/B ratio quartile against book while Lloyds Banking (LYG) at 1.19 is valued near its industry’s middle — HBAN is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics