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Lloyds Banking Group plc

Data quality: 100%
LYG
NYSE Financial Services Banks - Regional
$5.11
▲ $0.08 (1.59%)
Mkt Cap: 75.11B
Also listed as LLDTF OTC
Day Range
$5.10 $5.19
52-Week Range
$3.27 $6.34
Volume
23,281,149
50D / 200D Avg
$5.56 / $4.82
Prev Close
$5.03

Quick Summary

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 16.1 10.3
P/B 1.8 1.1
ROE % 10.6 11.6
Net Margin % 7.2 16.8
Rev Growth 5Y % 36.5 11.6
D/E 2.1 0.5

Analyst Price Target

Hold
$2.75 -46.2%
Forward P/E
12.32
Forward EPS
$0.41
EPS Growth (est.)
+0.0%
Est. Revenue
21.04B

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2029 $0.64
$0.61 – $0.67
24.99B 1
FY2028 $0.56
$0.54 – $0.58
23.78B 1
FY2027 $0.49
$0.45 – $0.52
22.59B 3

Earnings Surprises

Last 8 quarters
Quarter Est. EPS Actual EPS Surprise
2026-01-29 $0.08 $0.12 +52.4%
2025-10-23 $0.12 $0.05 -58.3%
2025-07-24 $0.10 $0.14 +40.0%
2025-05-01 $0.08 $0.11 +37.5%
2025-02-20 $0.08 $0.05 -37.5%
2024-10-23 $0.09 $0.10 +13.4%
2024-07-25 $0.07 $0.09 +34.6%
2024-04-24 $0.08 $0.09 +12.0%

Dividend History

7 yr streak

Yield

0.03%

Payout Ratio

0.42%

Growth (3Y)

16.04%

Growth (5Y)

9.56%

Ex-Date Payment Date Amount Yield
Apr 10, 2026 May 29, 2026 $0.13 3.88%
Aug 04, 2025 Sep 19, 2025 $0.06 3.76%
Apr 11, 2025 May 30, 2025 $0.10 4.33%
Aug 05, 2024 Sep 20, 2024 $0.05 5.33%
Apr 11, 2024 May 31, 2024 $0.09 5.44%
Aug 04, 2023 Sep 22, 2023 $0.05 5.71%
Apr 13, 2023 Jun 02, 2023 $0.08 4.88%
Aug 05, 2022 Sep 22, 2022 $0.04 4.91%
Apr 07, 2022 May 31, 2022 $0.07 4.61%
Aug 06, 2021 Sep 23, 2021 $0.04 2.75%
Apr 15, 2021 Jun 04, 2021 $0.03 5.84%
Apr 16, 2020 Jun 08, 2020 $0.10 11.34%
Aug 09, 2019 Sep 23, 2019 $0.06 7.05%
Apr 04, 2019 May 31, 2019 $0.11 5.20%
Aug 16, 2018 Oct 09, 2018 $0.06 5.59%
Apr 19, 2018 Jun 08, 2018 $0.11 4.39%
Aug 09, 2017 Oct 10, 2017 $0.05 4.63%
Apr 05, 2017 May 26, 2017 $0.11 4.77%
Aug 10, 2016 Oct 11, 2016 $0.05 5.38%
Apr 06, 2016 May 27, 2016 $0.11 4.14%

Key Takeaways

Revenue grew 36.52% annually over 5 years — strong growth
ROE of 10.64% — decent returns on equity
Debt/Equity of 2.11 — high leverage
Negative free cash flow of -625.00M
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 36.29%
Capital efficient — spends only 7.63% of revenue on capex

Growth

Revenue Growth (5Y)
36.52%
Revenue (1Y)72.81%
Earnings (1Y)5.38%
FCF Growth (3Y)N/A

Quality

Return on Equity
10.64%
ROIC3.84%
Net Margin7.17%
Op. Margin10.25%

Safety

Debt / Equity
2.11
Current Ratio0.94
Interest Coverage0.39

Valuation

P/E Ratio
16.12
Forward P/E12.32
P/B Ratio1.79
EV/EBITDA16.01
Dividend Yield0.03%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 72.81% Revenue Growth (3Y) 38.37%
Earnings Growth (1Y) 5.38% Earnings Growth (3Y) -7.63%
Revenue Growth (5Y) 36.52% Earnings Growth (5Y) -5.26%
Profitability
Revenue (TTM) 65.00B Net Income (TTM) 4.66B
ROE 10.64% ROA 0.49%
Gross Margin 29.88% Operating Margin 10.25%
Net Margin 7.17% Free Cash Flow (TTM) -625.00M
ROIC 3.84% FCF Growth (3Y) N/A
Safety
Debt / Equity 2.11 Current Ratio 0.94
Interest Coverage 0.39
Dividends
Dividend Yield 0.03% Payout Ratio 0.42%
Dividend Growth (3Y) 16.04% Dividend Growth (5Y) 9.56%
Consecutive Div Years 7 yrs
Valuation
P/E Ratio 16.12 Forward P/E 12.32
P/B Ratio 1.79 P/S Ratio 1.16
PEG Ratio 1.39 Forward PEG N/A
EV/EBITDA 16.01 Fwd EV/EBITDA 16.62
Forward P/S 3.57 Fwd Earnings Yield 8.12%
FCF Yield -0.83%
Market Cap 75.11B Enterprise Value 106.61B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 65.00B 37.61B 33.95B 20.77B 18.71B
Net Income 4.66B 4.42B 5.46B 3.83B 5.78B
EPS (Diluted) 0.27 0.25 0.30 0.20 0.30
Gross Profit 19.42B 18.60B 19.20B 16.05B 16.32B
Operating Income 6.66B 5.97B 7.50B 4.78B 6.90B

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 942.41B 906.70B 881.45B 873.39B 886.53B
Total Liabilities 900.57B 860.81B 834.09B 829.48B 833.37B
Shareholders' Equity 41.85B 45.72B 47.16B 43.67B 52.92B
Total Debt 88.17B 80.92B 93.67B 91.84B 91.84B
Cash & Equivalents 56.66B 62.68B 78.11B 92.05B 76.57B
Current Assets 63.73B 64.34B 79.57B 93.27B 77.59B
Current Liabilities 68.13B 8.73B 479.12B 484.14B 485.61B