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LYG vs. WRB: A Head-to-Head Stock Comparison

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

Company Profile

LYG trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, WRB is a standard domestic listing.

SymbolLYGWRB
Company NameLloyds Banking Group plcW. R. Berkley Corporation
CountryUnited KingdomUnited States
GICS SectorFinancialsFinancials
GICS IndustryBanksInsurance
Market Capitalization67.84 billion USD27.06 billion USD
ExchangeNYSENYSE
Listing DateNovember 28, 2001October 23, 1973
Security TypeADRCommon Stock

Historical Performance

This chart compares the performance of LYG and WRB 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.

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

Historical Performance at a Glance

SymbolLYGWRB
5-Day Price Return2.57%1.77%
13-Week Price Return13.13%-1.18%
26-Week Price Return31.10%16.05%
52-Week Price Return44.87%24.83%
Month-to-Date Return6.74%3.69%
Year-to-Date Return51.59%21.92%
10-Day Avg. Volume88.00M1.89M
3-Month Avg. Volume98.56M1.91M
3-Month Volatility26.72%17.44%
Beta1.470.42

Profitability

Return on Equity (TTM)

LYG

12.31%

Banks Industry

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

LYG’s Return on Equity of 12.31% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

WRB

20.10%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

In the upper quartile for the Insurance industry, WRB’s Return on Equity of 20.10% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

LYG vs. WRB: A comparison of their Return on Equity (TTM) against their respective Banks and Insurance industry benchmarks.

Net Profit Margin (TTM)

LYG

15.71%

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, LYG’s Net Profit Margin of 15.71% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

WRB

12.32%

Insurance Industry

Max
26.78%
Q3
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

WRB’s Net Profit Margin of 12.32% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

LYG vs. WRB: A comparison of their Net Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Operating Profit Margin (TTM)

LYG

19.53%

Banks Industry

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

LYG’s Operating Profit Margin of 19.53% 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.

WRB

16.84%

Insurance Industry

Max
35.49%
Q3
19.49%
Median
14.35%
Q1
8.53%
Min
-5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

LYG vs. WRB: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Profitability at a Glance

SymbolLYGWRB
Return on Equity (TTM)12.31%20.10%
Return on Assets (TTM)0.63%4.27%
Net Profit Margin (TTM)15.71%12.32%
Operating Profit Margin (TTM)19.53%16.84%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

LYG

--

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.

WRB

0.92

Insurance Industry

Max
2.97
Q3
1.33
Median
0.55
Q1
0.15
Min
0.00

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

LYG vs. WRB: A comparison of their Current Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

LYG

2.55

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.

WRB

0.31

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.22
Min
0.00

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

LYG vs. WRB: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

LYG

--

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.

WRB

18.84

Insurance Industry

Max
43.68
Q3
20.84
Median
9.56
Q1
3.34
Min
-5.73

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

LYG vs. WRB: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Financial Strength at a Glance

SymbolLYGWRB
Current Ratio (MRQ)--0.92
Quick Ratio (MRQ)--0.92
Debt-to-Equity Ratio (MRQ)2.550.31
Interest Coverage Ratio (TTM)--18.84

Growth

Revenue Growth

LYG vs. WRB: 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

LYG vs. WRB: 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)

LYG

3.90%

Banks Industry

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

LYG’s Dividend Yield of 3.90% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

WRB

2.23%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

WRB’s Dividend Yield of 2.23% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

LYG vs. WRB: A comparison of their Dividend Yield (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

LYG

42.64%

Banks Industry

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

LYG’s Dividend Payout Ratio of 42.64% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

WRB

34.10%

Insurance Industry

Max
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
Min
0.00%

WRB’s Dividend Payout Ratio of 34.10% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

LYG vs. WRB: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend at a Glance

SymbolLYGWRB
Dividend Yield (TTM)3.90%2.23%
Dividend Payout Ratio (TTM)42.64%34.10%

Valuation

Price-to-Earnings Ratio (TTM)

LYG

8.62

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

LYG’s P/E Ratio of 8.62 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.

WRB

15.27

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

WRB’s P/E Ratio of 15.27 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

LYG vs. WRB: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

LYG

2.24

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.

WRB

1.88

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

WRB’s P/S Ratio of 1.88 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

LYG vs. WRB: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

LYG

0.99

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

LYG’s P/B Ratio of 0.99 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.

WRB

3.00

Insurance Industry

Max
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

WRB’s P/B Ratio of 3.00 is in the upper tier for the Insurance 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.

LYG vs. WRB: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Valuation at a Glance

SymbolLYGWRB
Price-to-Earnings Ratio (TTM)8.6215.27
Price-to-Sales Ratio (TTM)2.241.88
Price-to-Book Ratio (MRQ)0.993.00
Price-to-Free Cash Flow Ratio (TTM)10.377.92