{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "41389937-f443-4196-b34f-a673c2aa425d",
    "symbol": "LYG",
    "name": "Lloyds Banking Group PLC ADR",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/41389937-f443-4196-b34f-a673c2aa425d/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "41389937-f443-4196-b34f-a673c2aa425d",
      "symbol": "LYG",
      "name": "Lloyds Banking Group PLC ADR",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "LYG",
    "market_cap": 80077602816.0,
    "market_cap_usd": 77344468670.79,
    "price": 5.5,
    "currency": "USD",
    "dividend_yield": 0.0369,
    "dividend_years": 18,
    "dividend_growth_5y": 0.00297184,
    "dividend_cut_5y": true,
    "payout_ratio": 0.43919998,
    "net_income": 4659000000.0,
    "free_cash_flow": -622000000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 1.99599312,
    "revenue_growth_5y": 0.28310485,
    "net_margin": 0.26495,
    "roe": 0.10784,
    "pe_ratio": 13.414635,
    "price_vs_ma": 0.04717877,
    "return_3y": 2.03227282,
    "return_5y": 1.69491597,
    "max_drawdown": -0.37366715,
    "scores": {
      "dividend_reliability": 16.5,
      "dividend_sustainability": 8.5,
      "business_quality": 24.0,
      "valuation": 15.0,
      "trend": 13.5,
      "total": 77.5,
      "confidence": 92.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Price currency USD differs from financial currency GBP.",
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/",
      "chart": "https://sharemaestro.com/terminal/41389937-f443-4196-b34f-a673c2aa425d/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 16.5,
    "dividend_sustainability": 8.5,
    "business_quality": 24.0,
    "valuation": 15.0,
    "trend": 13.5,
    "total": 77.5,
    "confidence": 92.0
  },
  "warnings": [
    "Price currency USD differs from financial currency GBP.",
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Free cash flow is negative.",
    "Free cash flow does not cover dividends paid."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "LYG dividend review warning",
      "detail": "Free cash flow does not cover dividends paid.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2026-04-10",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "Dividend increased 103.0%",
      "detail": "Payment changed from 0.066 to 0.134.",
      "amount": 0.134,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2026-04-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "LYG dividend payment 0.134 USD",
      "detail": "Recorded dividend payment for Lloyds Banking Group PLC ADR.",
      "amount": 0.134,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2025-08-04",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "Dividend decreased -36.5%",
      "detail": "Payment changed from 0.104 to 0.066.",
      "amount": 0.066,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2025-08-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "LYG dividend payment 0.066 USD",
      "detail": "Recorded dividend payment for Lloyds Banking Group PLC ADR.",
      "amount": 0.066,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2025-04-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "Dividend increased 89.1%",
      "detail": "Payment changed from 0.055 to 0.104.",
      "amount": 0.104,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2025-04-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "LYG dividend payment 0.104 USD",
      "detail": "Recorded dividend payment for Lloyds Banking Group PLC ADR.",
      "amount": 0.104,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2024-08-05",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "Dividend decreased -40.9%",
      "detail": "Payment changed from 0.093 to 0.055.",
      "amount": 0.055,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2024-08-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "LYG dividend payment 0.055 USD",
      "detail": "Recorded dividend payment for Lloyds Banking Group PLC ADR.",
      "amount": 0.055,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2024-04-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "Dividend increased 93.8%",
      "detail": "Payment changed from 0.048 to 0.093.",
      "amount": 0.093,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2024-04-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "LYG dividend payment 0.093 USD",
      "detail": "Recorded dividend payment for Lloyds Banking Group PLC ADR.",
      "amount": 0.093,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2023-08-04",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "Dividend decreased -38.5%",
      "detail": "Payment changed from 0.078 to 0.048.",
      "amount": 0.048,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2023-08-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "LYG dividend payment 0.048 USD",
      "detail": "Recorded dividend payment for Lloyds Banking Group PLC ADR.",
      "amount": 0.048,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2023-04-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "LYG dividend payment 0.078 USD",
      "detail": "Recorded dividend payment for Lloyds Banking Group PLC ADR.",
      "amount": 0.078,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2022-08-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "LYG dividend payment 0.039 USD",
      "detail": "Recorded dividend payment for Lloyds Banking Group PLC ADR.",
      "amount": 0.039,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2022-04-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "LYG dividend payment 0.07 USD",
      "detail": "Recorded dividend payment for Lloyds Banking Group PLC ADR.",
      "amount": 0.07,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2021-08-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "LYG dividend payment 0.037 USD",
      "detail": "Recorded dividend payment for Lloyds Banking Group PLC ADR.",
      "amount": 0.037,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2021-04-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "LYG dividend payment 0.032 USD",
      "detail": "Recorded dividend payment for Lloyds Banking Group PLC ADR.",
      "amount": 0.032,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    },
    {
      "event_date": "2019-08-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LYG",
      "exchange": "NYSE",
      "headline": "LYG dividend payment 0.055 USD",
      "detail": "Recorded dividend payment for Lloyds Banking Group PLC ADR.",
      "amount": 0.055,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/41389937-f443-4196-b34f-a673c2aa425d/"
    }
  ]
}