{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "d8139850-aa26-4aab-ac2f-da4189f5b769",
    "symbol": "LLOY",
    "name": "Lloyds Banking Group plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/d8139850-aa26-4aab-ac2f-da4189f5b769/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "d8139850-aa26-4aab-ac2f-da4189f5b769",
      "symbol": "LLOY",
      "name": "Lloyds Banking Group plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "LLOY.L",
    "market_cap": 59606851584.0,
    "market_cap_usd": 5777384423835.613,
    "price": 102.349998,
    "currency": "GBP",
    "dividend_yield": 0.0372,
    "dividend_years": 23,
    "dividend_growth_5y": 0.00354713,
    "dividend_cut_5y": true,
    "payout_ratio": 0.4382,
    "net_income": 4659000000.0,
    "free_cash_flow": -622000000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 1.99599312,
    "revenue_growth_5y": 0.07659952,
    "net_margin": 0.26495,
    "roe": 0.10784,
    "pe_ratio": 12.79375,
    "price_vs_ma": 0.03751708,
    "return_3y": 1.42200626,
    "return_5y": 1.17269862,
    "max_drawdown": -0.27606188,
    "scores": {
      "dividend_reliability": 16.5,
      "dividend_sustainability": 8.5,
      "business_quality": 24.0,
      "valuation": 15.0,
      "trend": 15.0,
      "total": 79.0,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "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/d8139850-aa26-4aab-ac2f-da4189f5b769/",
      "chart": "https://sharemaestro.com/terminal/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 16.5,
    "dividend_sustainability": 8.5,
    "business_quality": 24.0,
    "valuation": 15.0,
    "trend": 15.0,
    "total": 79.0,
    "confidence": 100.0
  },
  "warnings": [
    "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": "LLOY",
      "exchange": "LSE",
      "headline": "LLOY dividend review warning",
      "detail": "Free cash flow does not cover dividends paid.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2026-04-09",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "Dividend increased 99.2%",
      "detail": "Payment changed from 1.22 to 2.43.",
      "amount": 2.43,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2026-04-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "LLOY dividend payment 2.43 GBP",
      "detail": "Recorded dividend payment for Lloyds Banking Group plc.",
      "amount": 2.43,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2025-07-31",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "Dividend decreased -42.2%",
      "detail": "Payment changed from 2.11 to 1.22.",
      "amount": 1.22,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2025-07-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "LLOY dividend payment 1.22 GBP",
      "detail": "Recorded dividend payment for Lloyds Banking Group plc.",
      "amount": 1.22,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2025-04-10",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "Dividend increased 99.1%",
      "detail": "Payment changed from 1.06 to 2.11.",
      "amount": 2.11,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2025-04-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "LLOY dividend payment 2.11 GBP",
      "detail": "Recorded dividend payment for Lloyds Banking Group plc.",
      "amount": 2.11,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2024-08-01",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "Dividend decreased -42.4%",
      "detail": "Payment changed from 1.84 to 1.06.",
      "amount": 1.06,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2024-08-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "LLOY dividend payment 1.06 GBP",
      "detail": "Recorded dividend payment for Lloyds Banking Group plc.",
      "amount": 1.06,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2024-04-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "Dividend increased 100.0%",
      "detail": "Payment changed from 0.92 to 1.84.",
      "amount": 1.84,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2024-04-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "LLOY dividend payment 1.84 GBP",
      "detail": "Recorded dividend payment for Lloyds Banking Group plc.",
      "amount": 1.84,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2023-08-03",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "Dividend decreased -42.5%",
      "detail": "Payment changed from 1.6 to 0.92.",
      "amount": 0.92,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2023-08-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "LLOY dividend payment 0.92 GBP",
      "detail": "Recorded dividend payment for Lloyds Banking Group plc.",
      "amount": 0.92,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2023-04-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "LLOY dividend payment 1.6 GBP",
      "detail": "Recorded dividend payment for Lloyds Banking Group plc.",
      "amount": 1.6,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2022-08-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "LLOY dividend payment 0.8 GBP",
      "detail": "Recorded dividend payment for Lloyds Banking Group plc.",
      "amount": 0.8,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2022-04-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "LLOY dividend payment 1.33 GBP",
      "detail": "Recorded dividend payment for Lloyds Banking Group plc.",
      "amount": 1.3299999,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2021-08-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "LLOY dividend payment 0.67 GBP",
      "detail": "Recorded dividend payment for Lloyds Banking Group plc.",
      "amount": 0.66999996,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2021-04-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "LLOY dividend payment 0.57 GBP",
      "detail": "Recorded dividend payment for Lloyds Banking Group plc.",
      "amount": 0.57,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    },
    {
      "event_date": "2019-08-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "LLOY",
      "exchange": "LSE",
      "headline": "LLOY dividend payment 1.12 GBP",
      "detail": "Recorded dividend payment for Lloyds Banking Group plc.",
      "amount": 1.12,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/d8139850-aa26-4aab-ac2f-da4189f5b769/"
    }
  ]
}