Lloyds Banking Group plc

Lloyds Banking Group plc

1.20
EUR
-0.03
(-2.36%)
0.09EPS
13.85P/E
74.32BMarket Cap
Oct 29Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.26
0.23
0.24
0.24
0.26
0.26
0.26
0.21
0.23
0.23
0.3
0.3
0.33
0.32
Basic EPS, GAAP
-0.01
0.02
0.01
0.03
0.05
0.06
0.04
0.02
0.08
0.06
0.08
0.07
0.08
0.08
Free Cash Flow per Basic Share
-0.26
0.1
0.18
-0.02
-0.1
-0.2
0.11
0.36
0.05
0.26
0.02
-0.16
-0.01
- -
Dividend per Share
- -
- -
0.02
0.03
0.03
0.03
0.03
0.01
0.01
0.02
0.03
0.03
0.03
- -
Book Value per Share
0.55
0.68
0.65
0.68
0.68
0.7
0.68
0.69
0.75
0.65
0.74
0.76
0.81
0.81
Tangible Book Value per Share
0.49
0.62
0.6
0.63
0.61
0.62
0.59
0.6
0.65
0.54
0.61
0.62
0.66
0.66
Basic Weighted Avg Shares
71,009
71,350
71,272
71,234
71,710
71,638
70,603
70,606
70,937
68,847
64,953
62,413
59,790
65,501
Sales/Revenue/Turnover
18,420
16,295
17,354
17,037
18,621
18,631
18,110
15,133
16,324
16,050
19,199
18,603
20,028
21,249
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1,940
1,935
2,112
2,380
2,370
2,405
2,660
2,732
2,825
2,396
2,905
3,426
3,477
- -
Net Income, GAAP
-838
1,412
860
2,063
3,909
4,408
2,925
1,318
5,784
3,827
5,460
4,421
4,659
5,205
Effective Tax Rate (%)
293.25
14.93
41.85
44.34
28.91
24.4
31.57
- -
14.73
17.96
26.46
25.02
28.58
28.38
Profit Margin (%)
-4.55
8.67
4.96
12.11
20.99
23.66
16.15
8.71
35.43
23.84
28.44
23.76
23.26
24.5
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
115,413
98,494
101,752
92,549
87,182
105,966
113,615
108,758
91,844
91,835
93,668
88,522
95,145
106,503
Total Equity
39,336
49,903
46,980
48,815
49,143
50,199
47,806
49,413
53,152
43,911
47,365
45,888
47,867
47,237
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-0.51
0.87
0.51
1.35
2.75
2.95
1.79
- -
3.75
2.66
3.9
3.17
3.29
3.55
Return on Common Equity (%)
-2.07
3.22
1.81
4.34
8.04
8.92
6
2.72
11.33
7.92
12.02
9.52
9.98
11.11

Capital Structure

GBP

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
58,760
58,514
58,176
Market Capitalization
57,921
54,469
64,026

Working Capital

GBP

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
56,661
62,128
61,530
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

GBP

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
0.46%
-0.15%
4.31%
Free Cash Flow
-32.2%
-139.44%
-93.79%
Net Income, GAAP
48.76%
66.81%
5.38%
Sales/Revenue/Turnover
1.86%
6.07%
7.66%
Total Cash Common Dividend
21.63%
38.77%
9.41%

Quarterly Revenue

GBP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,387
4,807
4,283
5,126
18,603
2025
4,695
4,996
4,561
5,776
20,028
2026
5,184
5,728
- -
- -
- -

Quarterly Earnings Per Share

GBP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.02
0.02
0.02
0.01
0.07
2025
0.02
0.02
0.01
0.02
0.08
2026
0.03
0.02
- -
- -
- -

Quarterly Dividends Per Share

GBP

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.03
2025
- -
- -
- -
- -
0.03
2026
- -
- -
- -
- -
- -

Company Description

CEO
Charles Alan Nunn
Full Time Employees
60,061
Sector
Finance
Industry
Major banks
Address
33 Old Broad Street London GL United Kingdom EC2N 1HZ
IPO Date
Oct 8, 1986
Business
Lloyds Banking Group plc (LLOY.L) is a leading UK-based financial services group that provides a wide range of banking and financial products and services primarily to retail, commercial, and institutional customers through its three core divisions of Retail, Commercial Banking, and Insurance, Pensions and Investments. The Retail division offers current accounts, savings accounts, mortgages, credit cards, unsecured loans, motor finance, leasing solutions, and personalised financial services to personal customers via the UK's largest digital bank and branch network; Commercial Banking provides lending, transactional banking, working capital management, debt financing, risk management, foreign exchange, capital and collateral management, gilts and rates, commodities, money markets, and cash management to small and medium-sized businesses, corporate, and institutional clients with a digital-first model; Insurance, Pensions and Investments delivers life insurance, pensions, investment products, general insurance including home and car coverage, and wealth management services to support long-term protection, retirement, and investment needs. Founded through the 2009 merger of Lloyds TSB and HBOS with roots tracing back to 1765 via Lloyds Bank, the group maintains its registered office at The Mound in Edinburgh, Scotland, operational headquarters at 25 Gresham Street in London, and additional offices in Birmingham, Bristol, West Yorkshire, Glasgow, and overseas locations including the US, Europe with an EU hub in Berlin, Germany, and hubs in North America and Asia for international trade and capital markets support. In recent developments, Lloyds Banking Group completed the acquisition of the remaining 49.9% stake in Schroders Personal Wealth in December 2025, rebranding it as Lloyds Wealth to manage £17 billion in assets under administration for 60,000 clients and accelerate its wealth strategy for mass affluent customers across Lloyds, Halifax, Bank of Scotland, and Scottish Widows brands while continuing a partnership with Cazenove Capital for high net worth services; the group also confirmed the acquisition of fintech Curve in November 2025 for approximately £120 million to expand mobile payments capabilities serving around 28 million customers, with the deal expected to close in the first half of 2026 pending regulatory approval.

Company News

  • Lloyds share price analysis ahead of Q3 earnings and BoE rate hike

  • Banking tax raid fears hit London lenders' shares ahead of crucial budget

  • Lloyds and NatWest lead FTSE 100 fallers as bank tax fears return

  • Best Cheap Stocks Under $10 to Buy Now for October

  • The UK’s First Tokenized Deposit Transfers: What You Need to Know

  • Top FTSE 100 shares forecasts: Vodafone, Lloyds Bank, Rolls-Royce, Glencore

  • Lloyds Banking Group plc (LYG) Presents at Bank of America 31st Annual Financials CEO Conference Transcript

  • Lloyds Banking Group Maps 2030 Growth Plan as U.K. Consumers Stay Resilient

  • Lloyds Banking Group Maps 2030 Growth Plan as U.K. Consumers Stay Resilient

  • Lloyds Banking Group Maps Accelerate 2030 Plan With AI, Growth and Buyback Focus

  • Lloyds Banking Group plc (LYG) Presents at Barclays 24th Annual Global Financial Services Conference Transcript

  • Lloyds tipped as frontrunner to buy Aldermore in £1.4 billion deal

  • Comparing Lloyds Banking Group (NYSE:LYG) & BancFirst (NASDAQ:BANF)

  • Lloyds share price forms a risky pattern as insiders sell, risky pattern forms

  • Lloyds share price flashes diamond reversal, bearish divergence: what next?

  • Lloyds Banking Group: Turning Bullish On 'Higher For Longer' Rate Expectations

  • Lloyds Banking Group Sees Unusually Large Options Volume (NYSE:LYG)

  • Lloyds Banking Group plc (LYG) Q2 2026 Earnings Call Transcript

  • Lloyds targets look conservative, City analysts say

  • Lloyds Banking Group Mobilizes 800 AI Models to Slash Costs