Is Lloyds Banking Group plc (LYG) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 40.6% | |
| Net Margin | 25.0% | |
| Return on Equity (ROE) | 10.1% | |
| Return on Assets (ROA) | 0.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $5.7B |
| Free Cash Flow | -$622M |
| Total Debt | $95.1B |
| Total Assets | $944.1B |
Price & Trading
| Last Close | $4.94 |
| 50-Day MA | $5.52 |
| 200-Day MA | $4.84 |
| Avg Volume | 17.1M |
| Beta | 0.9 |
|
52-Week Range
$3.27
| |
About Lloyds Banking Group plc (LYG)
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services for retail and commercial customers in the United Kingdom. It operates in three segments: Retail; Commercial Banking; and Insurance, Pensions and Investments. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, credit cards, unsecured loans, motor finance, and leasing solutions to personal customers. Its Commercial Banking segment provides lending, transactional banking, working capital management, debt financing, and risk management services to small and medium businesses, corporates, and institutions. The Insurance, Pensions and Investments segment offers insurance, investment, and pension management products and services. It also provides life assurance; and digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, Schroders Personal Wealth, Black Horse, Lex Autolease, Birmingham Midshires, LDC, AMC, Embark Group, Lloyds Living, Cavendish Online, Tusker, and HGP brands. The company was formerly known as Lloyds TSB Group plc and changed its name to Lloyds Banking Group plc in January 2009. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.
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Frequently Asked Questions
Is Lloyds Banking Group plc (LYG) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Lloyds Banking Group plc is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Lloyds Banking Group plc's debt ratio?
Lloyds Banking Group plc's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Lloyds Banking Group plc's key financial metrics?
Lloyds Banking Group plc has a market capitalization of $70.7B, trailing P/E ratio of 13.1, and revenue of $20.0B. Return on equity stands at 10.1%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.