Lloyds Banking Group plc

Lloyds Banking Group plc

LYG
Lloyds Banking Group plcUS flagNew York Stock Exchange
5.43
USD
+0.01
- -
79.82BMarket Cap
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
1.04
0.91
0.97
0.96
1.04
1.04
1.03
0.86
0.92
0.93
1.18
1.19
1.34
1.4
Basic EPS, GAAP
-0.05
0.08
0.05
0.12
0.22
0.25
0.17
0.07
0.33
0.22
0.34
0.28
0.31
0.34
Free Cash Flow per Basic Share
-1.04
0.39
0.73
-0.09
-0.38
-0.82
0.44
1.43
0.2
1.05
0.08
-0.64
-0.04
- -
Dividend per Share
- -
0.02
0.06
0.11
0.13
0.13
0.13
0.03
0.05
0.09
0.1
0.12
0.13
- -
Book Value per Share
0.63
0.72
0.65
0.6
0.68
0.7
0.58
0.66
0.98
0.77
0.81
0.77
0.81
- -
Tangible Book Value per Share
1.97
2.57
2.42
2.53
2.45
2.49
2.36
2.43
2.63
2.11
2.41
2.42
2.63
3.28
Basic Weighted Avg Shares
17,752
17,838
17,818
17,808
17,928
17,910
17,651
17,652
17,734
17,212
16,238
15,603
14,948
14,700
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
20,517
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
5,056
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
27.77
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
24.64
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
100,752
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
48,231
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
-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
- -

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
51,150
59,664
55,943

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
0.08
- -
- -
- -
0.28
2025
0.07
- -
- -
- -
0.31
2026
0.1
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.12
2025
- -
- -
- -
- -
0.13
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Charles Alan Nunn
Full Time Employees
61,228
Sector
Financial Services
Industry
Banks - Regional
Address
25 Gresham Street London United Kingdom EC2V 7HN
IPO Date
Nov 28, 2001
Business
Lloyds Banking Group plc is a leading UK-based financial services company primarily focused on retail and commercial banking. It operates through three core segments: Retail, offering current accounts, savings, mortgages, credit cards, unsecured loans, motor finance, and leasing solutions; Commercial Banking, serving small and medium-sized businesses, corporate and institutional clients with lending, transactional banking, working capital management, debt financing, and risk management services; and Insurance, Pensions and Investments, which provides insurance products, investment management, and pension services. The group also has a portfolio of brands covering various financial services, including Lloyds Living, which manages rental homes, and Cavendish Online, a protection business offering life insurance and income protection. Founded in 1985 and headquartered in London, Lloyds Banking Group is the largest UK retail and commercial financial services provider, serving over 26 million customers with a strong digital platform. In the last two years, Lloyds has undergone significant strategic transformation, including a restructuring aligned with its 2022 strategy to optimize synergies across its three divisions and improve efficiency. It launched "Lloyds Premier" in 2025, a new banking product targeting affluent customers with income or assets over £100,000, addressing previously underrepresented market segments. The group continues to advance its digital transformation by reducing legacy technology systems and recruiting over 4,000 new technology and data staff since 2021. Lloyds has committed to supporting UK economic growth with over £35 billion in new finance available in 2026 for companies operating in the UK. Additionally, it is pursuing cultural renewal with a performance-driven restructuring initiative aimed at raising productivity and maintaining service quality. The group remains focused on disciplined cost and capital management while driving revenue growth and diversification through strategic initiatives, including expanding its capital-lite, fee-generating businesses and supporting social housing and sustainability goals. Lloyds Banking Group operates extensively across the United Kingdom, with its services tailored to retail consumers, small and medium enterprises, corporate clients, and institutional investors. It maintains a strong presence in the financial services industry, encompassing consumer lending, business banking, insurance, pensions, and wealth management. The group is publicly listed on the London Stock Exchange and features in the FTSE 100 Index, reinforcing its stature as one of the UK’s largest financial institutions. Its headquarters is located at 25 Gresham Street, London. The group's management under CEO Charlie Nunn is focused on leveraging technology and data, fostering a high-performance culture, and ensuring long-term competitive positioning amid evolving regulatory and market conditions. This overview reflects Lloyds Banking Group’s comprehensive financial services portfolio and recent strategic developments aimed at growth, efficiency, and enhanced customer engagement across the UK financial sector.

Company News

APIChat
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  • Lloyds pilots AI investment guidance tool as UK regulator studies impact

  • Lloyds and Barclays test AI systems in real-world conditions under regulator's watch

  • How blockchain could transform UK homebuying and make Lloyds a big winner

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  • Assetmark Inc. Acquires 660,256 Shares of Lloyds Banking Group PLC $LYG

  • Lloyds will not take legal action against Britain's car finance redress scheme, FT reports

  • Standard Life or Lloyds would benefit from buying Aegon's UK arm, says US bank

  • Lloyds upgraded by Citi as Iran war expected to support bank sector earnings