Lloyds Banking Group plc

Lloyds Banking Group plc

LLOY.L
Lloyds Banking Group plcGB flagLondon Stock Exchange
115.35
GBp
+0.30
- -
67.09BMarket Cap
Lloyds Banking Group plc
LLOY.L
(London Stock Exchange)

Recent

price

115.35

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.37
0.3
0.29
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
0.35
Revenue per Share
- -
-0.04
-0.02
-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
0.09
Basic EPS, GAAP
-0.08
0.25
- -
-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
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
0.02
0.03
0.03
0.03
0.03
0.01
0.01
0.02
0.03
0.03
0.03
- -
Dividend per Share
0.24
0.22
0.17
0.16
0.18
0.16
0.15
0.17
0.17
0.15
0.17
0.24
0.19
0.2
0.19
0.2
- -
Book Value per Share
0.58
0.6
0.54
0.49
0.64
0.61
0.63
0.61
0.62
0.59
0.61
0.66
0.53
0.6
0.6
0.66
0.82
Tangible Book Value per Share
67,117
68,470
69,841
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
58,801
Basic Weighted Avg Shares
24,793
20,642
20,456
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
20,517
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2,432
2,175
2,126
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
- -
Depreciation Expense
-320
-2,963
-1,471
-838
1,412
860
2,063
3,909
4,408
2,925
1,318
5,784
3,827
5,460
4,421
4,659
5,056
Net Income, GAAP
191.81
- -
- -
293.25
14.93
41.85
44.34
28.91
24.4
31.57
- -
14.73
17.96
26.46
25.02
28.58
27.77
Effective Tax Rate (%)
-1.29
-14.35
-7.19
-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
24.64
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
260,469
221,198
146,764
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
100,752
LT Debt
44,566
46,180
42,581
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
48,231
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-1.71
-19.11
-10.79
-7.18
11.73
7.05
18.5
34.22
35.83
25.71
12.03
39.87
25
41.32
35.2
38.58
- -
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
59,158
58,760
58,514
Market Capitalization
5,078,570
5,952,263
5,429,684

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
61,846
56,661
62,128
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

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

FRC

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
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

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

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

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

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