Based on the aggregated intelligence of 145,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, part-nationalized British bank Lloyds Banking Group (NYSE:LYG) has earned a respected four-star ranking.

With that in mind, let's take a closer look at Lloyds' business and see what CAPS investors are saying about the stock right now.

Lloyds facts

Headquarters (Founded)

London, U.K. (1985)

Market Cap

$25.54 billion


Diversified banks

Trailing-12-Month Revenue

$8.3 billion


CEO J. Eric Daniels (since 2003)
CFO Tim Tookey (since 2008)

Return on Equity (Average, Past 3 Years)



Barclays (NYSE:BCS)
HSBC Holdings (NYSE:HBC)
Royal Bank of Scotland (NYSE:RBS)

CAPS Members Bullish on LYG Also Bullish on

Allied Irish Banks (NYSE:AIB)
Bank of America (NYSE:BAC)

CAPS Members Bearish on LYG Also Bearish on


Sources: Capital IQ (a division of Standard & Poor's) and Motley Fool CAPS.

On CAPS, 94% of the 902 members who have rated Lloyds believe the stock will outperform the S&P 500 going forward. These bulls include mj1139 and All-Star JacobRiis, who is ranked in the top 16% of our community.

Just two weeks ago, mj1139 singled out Lloyds as a bankable bargain: "This is a long term value play, the stock is way off the 52 week high, has a strong balance sheet and will come back as the general world economy improves."

In a pitch from last month, JacobRiis elaborates:

Yes the British government owns 43% of the company and they just made a new issue to avoid an additional government funds. They have a huge upside. They are having to weather the storm of the current financial crisis because of their takeover of HBOS after the strong-arming of the British government. They took over the faltering bank precisely because they had so conservatively and successfully averted financial difficulties. Once they fully integrate the HBOS bad assets and pay off the government, they stand to have significantly increased their share of the British banking market. They expect to restore dividends in 2012. For the patient investor, I think there will be a big payoff down the road.

What do you think about Lloyds, or any other stock for that matter? If you want to retire rich, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future, and on Motley Fool CAPS, thousands of investors are working every day to find them. CAPS is 100% free, so get started!

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. Allied Irish Banks is a Motley Fool Global Gains pick. The Fool's disclosure policy always gets a perfect score.