JPM vs. LYG: JPMorgan Chase vs. Lloyds Banking Stock Comparison

Company Profile

JPMorgan Chase (JPM) and Lloyds Banking (LYG) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

JPMorgan Chase (JPM) 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

Both JPMorgan Chase (JPM) at 18.01% and Lloyds Banking (LYG) at 13.69% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

Both JPMorgan Chase (JPM) at 34.59% and Lloyds Banking (LYG) at 30.61% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) at 7.32% 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.

Lloyds Banking (LYG) at 11.29% is around its peer norm for EPS growth, while JPMorgan Chase (JPM) at 1.37% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: JPMorgan Chase (JPM) 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: JPMorgan Chase (JPM) 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

JPMorgan Chase (JPM) at 1.82% pays a yield in its industry’s typical range, while Lloyds Banking (LYG) at 0.77% falls in the bottom quartile of its peers.

JPMorgan Chase (JPM) at 25.80% pays out a band-typical share of earnings, while Lloyds Banking (LYG) at 41.85% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Lloyds Banking (LYG) at 9.79 sits in the cheaper P/E ratio quartile, while JPMorgan Chase (JPM) at 14.03 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

P/S ratio is set aside for both JPMorgan Chase (JPM) 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.

Lloyds Banking (LYG) at 1.19 sits near its industry’s typical P/B ratio, while JPMorgan Chase (JPM) at 2.53 prices above its benchmark range — JPM looks rich relative to book.

Valuation Metrics