LYG vs. WF: Lloyds Banking vs. Woori Financial Stock Comparison

Company Profile

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

Both Lloyds Banking (LYG) and Woori Financial (WF) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Lloyds Banking (LYG) is heavily traded at around 16.52M shares per day, whereas Woori Financial (WF) is thinly traded at only 85.96K — larger orders in the latter may face more price impact or wider spreads, depending on market conditions.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Lloyds Banking (LYG) at 13.69% sits in the top ROE quartile, while Woori Financial (WF) at 7.93% 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 Woori Financial (WF) at 27.06% retains only a bottom-quartile share.

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

Profitability Metrics

Growth

Lloyds Banking (LYG) at 7.66% is around its peer norm for revenue growth, while Woori Financial (WF) at 5.30% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Lloyds Banking (LYG) at 11.29% is around its peer norm for EPS growth, while Woori Financial (WF) at 2.58% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Lloyds Banking (LYG) in Banks and Woori Financial (WF) 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: Lloyds Banking (LYG) in Banks and Woori Financial (WF) 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

Woori Financial (WF) at 1,108.19% yields beyond its industry’s entire range — a level that invites a dividend-safety check — while Lloyds Banking (LYG) at 0.77% sits in the bottom quartile of its peers.

Woori Financial (WF) at 32.85% 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

Both Lloyds Banking (LYG) at 9.79 and Woori Financial (WF) at 8.04 sit in the cheaper earnings-multiple quartile for P/E ratio, with the market paying less for a dollar of trailing earnings than it pays for typical peers.

P/S ratio is set aside for both Lloyds Banking (LYG) in Banks and Woori Financial (WF) 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.

Woori Financial (WF) at 0.63 sits in the lower P/B ratio quartile against book while Lloyds Banking (LYG) at 1.19 is valued near its industry’s middle — WF is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics