LPLA vs. USB: A Head-to-Head Stock Comparison

Updated on August 18, 2025

Here’s a clear look at LPLA and USB, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	LPLA	USB
Company Name	LPL Financial Holdings Inc.	U.S. Bancorp
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Capital Markets	Banks
Market Capitalization	28.47 billion USD	72.53 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	November 18, 2010	May 3, 1973
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of LPLA and USB by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

LPLA vs. USB: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	LPLA	USB
5-Day Price Return	-3.54%	5.72%
13-Week Price Return	-5.56%	5.91%
26-Week Price Return	-4.11%	-2.37%
52-Week Price Return	77.90%	12.39%
Month-to-Date Return	-10.09%	3.67%
Year-to-Date Return	8.97%	-2.55%
10-Day Avg. Volume	1.03M	7.98M
3-Month Avg. Volume	0.78M	10.67M
3-Month Volatility	31.04%	22.71%
Beta	0.65	1.10

Profitability

Return on Equity (TTM)

LPLA

32.17%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

In the upper quartile for the Capital Markets industry, LPLA’s Return on Equity of 32.17% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

USB

11.55%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

USB’s Return on Equity of 11.55% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

LPLA vs. USB: A comparison of their Return on Equity (TTM) against their respective Capital Markets and Banks industry benchmarks.

Net Profit Margin (TTM)

LPLA

7.91%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

Falling into the lower quartile for the Capital Markets industry, LPLA’s Net Profit Margin of 7.91% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

USB

20.01%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, USB’s Net Profit Margin of 20.01% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

LPLA vs. USB: A comparison of their Net Profit Margin (TTM) against their respective Capital Markets and Banks industry benchmarks.

Operating Profit Margin (TTM)

LPLA

12.86%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

LPLA’s Operating Profit Margin of 12.86% is in the lower quartile for the Capital Markets industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

USB

25.22%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

USB’s Operating Profit Margin of 25.22% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

LPLA vs. USB: A comparison of their Operating Profit Margin (TTM) against their respective Capital Markets and Banks industry benchmarks.

Profitability at a Glance

Symbol	LPLA	USB
Return on Equity (TTM)	32.17%	11.55%
Return on Assets (TTM)	7.89%	1.01%
Net Profit Margin (TTM)	7.91%	20.01%
Operating Profit Margin (TTM)	12.86%	25.22%
Gross Profit Margin (TTM)	98.92%	--

Financial Strength

Current Ratio (MRQ)

LPLA

3.05

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

USB

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

LPLA vs. USB: A comparison of their Current Ratio (MRQ) against their respective Capital Markets and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

LPLA

1.44

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

USB

1.29

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

LPLA vs. USB: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Capital Markets and Banks industry benchmarks.

Interest Coverage Ratio (TTM)

LPLA

6.08

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
Min: -36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

USB

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

LPLA vs. USB: A comparison of their Interest Coverage Ratio (TTM) against their respective Capital Markets and Banks industry benchmarks.

Financial Strength at a Glance

Symbol	LPLA	USB
Current Ratio (MRQ)	3.05	--
Quick Ratio (MRQ)	2.99	--
Debt-to-Equity Ratio (MRQ)	1.44	1.29
Interest Coverage Ratio (TTM)	6.08	--

Growth

Revenue Growth

LPLA vs. USB: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

LPLA vs. USB: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

LPLA

0.31%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

LPLA’s Dividend Yield of 0.31% is in the lower quartile for the Capital Markets industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

USB

4.85%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

USB’s Dividend Yield of 4.85% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

LPLA vs. USB: A comparison of their Dividend Yield (TTM) against their respective Capital Markets and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

LPLA

8.17%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

LPLA’s Dividend Payout Ratio of 8.17% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

USB

50.28%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

USB’s Dividend Payout Ratio of 50.28% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

LPLA vs. USB: A comparison of their Dividend Payout Ratio (TTM) against their respective Capital Markets and Banks industry benchmarks.

Dividend at a Glance

Symbol	LPLA	USB
Dividend Yield (TTM)	0.31%	4.85%
Dividend Payout Ratio (TTM)	8.17%	50.28%

Valuation

Price-to-Earnings Ratio (TTM)

LPLA

26.72

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

LPLA’s P/E Ratio of 26.72 is within the middle range for the Capital Markets industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

USB

10.36

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

USB’s P/E Ratio of 10.36 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

LPLA vs. USB: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Capital Markets and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

LPLA

2.11

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

In the lower quartile for the Capital Markets industry, LPLA’s P/S Ratio of 2.11 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

USB

2.10

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

LPLA vs. USB: A comparison of their Price-to-Sales Ratio (TTM) against their respective Capital Markets and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

LPLA

5.91

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

LPLA’s P/B Ratio of 5.91 is in the upper tier for the Capital Markets industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

USB

1.15

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

USB’s P/B Ratio of 1.15 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

LPLA vs. USB: A comparison of their Price-to-Book Ratio (MRQ) against their respective Capital Markets and Banks industry benchmarks.

Valuation at a Glance

Symbol	LPLA	USB
Price-to-Earnings Ratio (TTM)	26.72	10.36
Price-to-Sales Ratio (TTM)	2.11	2.10
Price-to-Book Ratio (MRQ)	5.91	1.15
Price-to-Free Cash Flow Ratio (TTM)	88.14	9.20