Symbols / LYG Stock $5.34 +0.19% Lloyds Banking Group plc

Financial Services • Banks - Regional • United Kingdom • NYQ
LYG (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Charles Alan Nunn
Exch · Country NYQ · United Kingdom
Market Cap 78.04B
Enterprise Value 291.18B
Income 4.20B
Sales 18.63B
FCF (ttm) —
Book/sh 3.85
Cash/sh 2.91
Employees 60,061
Insider 10d —
IPO Nov 28, 2001
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 48.38%
P/E 14.43
Forward P/E 10.04
PEG 1.04
P/S 4.19
P/B 1.39
P/C —
EV/EBITDA —
EV/Sales 15.63
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 0.37
EPS next Y 0.53
EPS Growth 146.40%
Revenue Growth 14.40%
EPS Gr Q/Q 103.20%
Rev Gr Q/Q —
Earnings (next) 2026-04-29
Earnings (prior) 2026-01-29
ROA 0.51%
ROE 10.15%
ROIC —
Gross Margin 0.00%
Oper. Margin 40.63%
Profit Margin 25.01%
Shs Outstand 14.61B
Shs Float 55.44B
Insider Own 0.00%
Instit Own 3.55%
Short Float 0.02%
Short Ratio 0.14
Short Interest 3.38M
52W High 6.34
vs 52W High -15.77%
52W Low 3.75
vs 52W Low 42.40%
Beta 0.94
Impl. Vol. 60.94%
Rel Volume 0.73
Avg Volume 22.93M
Volume 16.75M
Target (mean) $5.90
Tgt Median $5.95
Tgt Low $5.35
Tgt High $6.41
# Analysts 3
Recom Hold
Prev Close $5.33
Price $5.34
Change 0.19%
About

Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services for retail and commercial customers in the United Kingdom. It operates in three segments: Retail; Commercial Banking; and Insurance, Pensions and Investments. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, credit cards, unsecured loans, motor finance, and leasing solutions to personal customers. Its Commercial Banking segment provides lending, transactional banking, working capital management, debt financing, and risk management services to small and medium businesses, corporates, and institutions. The Insurance, Pensions and Investments segment offers insurance, investment, and pension management products and services. It also provides life assurance; and digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, Schroders Personal Wealth, Black Horse, Lex Autolease, Birmingham Midshires, LDC, AMC, Embark Group, Lloyds Living, Cavendish Online, Tusker, and HGP brands. The company was formerly known as Lloyds TSB Group plc and changed its name to Lloyds Banking Group plc in January 2009. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$5.90
Mean price target
2. Current target
$5.34
Latest analyst target
3. DCF / Fair value
$5.55
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$5.34
Low
$5.35
High
$6.41
Mean
$5.90

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-09 up Citigroup Neutral → Buy —
2025-03-11 down Keefe, Bruyette & Woods Outperform → Market Perform —
2024-08-05 down Citigroup Buy → Neutral —
2024-07-30 down UBS Buy → Neutral —
2024-04-25 init Berenberg — → Hold $3
2024-03-21 up B of A Securities Neutral → Buy —
2022-10-17 down Morgan Stanley Overweight → Equal-Weight —
2022-04-05 down Barclays Overweight → Equal-Weight —
2022-03-30 down RBC Capital Outperform → Underperform —
2022-03-07 up B of A Securities Underperform → Neutral —
2021-09-29 up Goldman Sachs Sell → Neutral —
2021-04-12 up Deutsche Bank Hold → Buy —
2021-03-22 up JP Morgan Neutral → Overweight —
2021-02-08 up Goldman Sachs Sell → Neutral —
2020-07-23 up Credit Suisse Neutral → Outperform —
2020-03-16 up HSBC Hold → Buy —
2020-02-11 init Credit Suisse — → Neutral —
2019-10-22 down Citigroup Buy → Neutral —
2019-02-11 up Morgan Stanley Equal-Weight → Overweight —
2018-09-04 up Berenberg Sell → Hold —
News
RSS: Latest LYG news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
20,028.00
+7.66%
18,603.00
-3.10%
19,199.00
+19.62%
16,050.00
Operating Revenue
20,028.00
+7.66%
18,603.00
-3.10%
19,199.00
+19.62%
16,050.00
Operating Expense
12,181.00
+3.53%
11,766.00
+8.82%
10,812.00
+16.82%
9,255.00
Selling General And Administration
—
—
—
435.00
Selling And Marketing Expense
—
—
—
170.00
General And Administrative Expense
—
—
—
265.00
Other Operating Expenses
3,838.00
+6.61%
3,600.00
+1.55%
3,545.00
+19.80%
2,959.00
Reconciled Depreciation
3,477.00
+1.49%
3,426.00
+17.93%
2,905.00
+21.24%
2,396.00
Total Unusual Items
-337.00
+14.90%
-396.00
+32.42%
-586.00
+43.49%
-1,037.00
Total Unusual Items Excluding Goodwill
-337.00
+14.90%
-396.00
+32.42%
-586.00
+43.49%
-1,037.00
Special Income Charges
-392.00
+6.00%
-417.00
+26.84%
-570.00
-8.37%
-526.00
Other Special Charges
10.00
-83.05%
59.00
-36.56%
93.00
-52.79%
197.00
Restructuring And Mergern Acquisition
380.00
+3.54%
367.00
-24.64%
487.00
+58.63%
307.00
Write Off
2.00
+122.22%
-9.00
+10.00%
-10.00
-145.45%
22.00
Net Income
4,659.00
+5.38%
4,421.00
-19.03%
5,460.00
+42.67%
3,827.00
Pretax Income
6,661.00
+11.56%
5,971.00
-20.42%
7,503.00
+56.90%
4,782.00
Net Interest Income
13,230.00
+7.76%
12,277.00
-7.68%
13,298.00
+2.91%
12,922.00
Interest Expense
17,519.00
-7.85%
19,011.00
+28.86%
14,753.00
+212.37%
4,723.00
Interest Income
30,749.00
-1.72%
31,288.00
+11.54%
28,051.00
+58.97%
17,645.00
Gain On Sale Of Security
464.00
-20.41%
583.00
+37.18%
425.00
+102.46%
-17,272.00
Tax Provision
1,904.00
+27.44%
1,494.00
-24.74%
1,985.00
+131.08%
859.00
Tax Rate For Calcs
0.00
+14.24%
0.00
-5.42%
0.00
+47.28%
0.00
Tax Effect Of Unusual Items
-96.33
+2.78%
-99.08
+36.09%
-155.03
+16.77%
-186.28
Net Income Including Noncontrolling Interests
4,757.00
+6.25%
4,477.00
-18.87%
5,518.00
+40.66%
3,923.00
Net Income From Continuing Operation Net Minority Interest
4,659.00
+5.38%
4,421.00
-19.03%
5,460.00
+42.67%
3,827.00
Net Income From Continuing And Discontinued Operation
4,659.00
+5.38%
4,421.00
-19.03%
5,460.00
+42.67%
3,827.00
Net Income Continuous Operations
4,757.00
+6.25%
4,477.00
-18.87%
5,518.00
+40.66%
3,923.00
Minority Interests
-98.00
-75.00%
-56.00
+3.45%
-58.00
+39.58%
-96.00
Normalized Income
4,899.67
+3.85%
4,717.92
-19.91%
5,890.97
+25.94%
4,677.72
Net Income Common Stockholders
4,196.00
+6.96%
3,923.00
-20.47%
4,933.00
+45.56%
3,389.00
Otherunder Preferred Stock Dividend
463.00
-7.03%
498.00
-5.50%
527.00
+20.32%
438.00
Diluted EPS
0.28
+11.29%
0.25
-18.42%
0.30
+5.56%
0.29
Basic EPS
0.28
+11.11%
0.25
-17.11%
0.30
+4.11%
0.29
Basic Average Shares
14,947.50
-4.20%
15,603.25
-3.91%
16,238.25
-5.66%
17,211.75
Diluted Average Shares
15,128.25
-4.06%
15,768.50
-4.08%
16,440.00
-5.63%
17,420.50
Diluted NI Availto Com Stockholders
4,196.00
+6.96%
3,923.00
-20.47%
4,933.00
+45.56%
3,389.00
Amortization
1,375.00
+4.01%
1,322.00
+17.20%
1,128.00
+21.95%
925.00
Depreciation And Amortization In Income Statement
3,477.00
+1.49%
3,426.00
+17.93%
2,905.00
+21.24%
2,396.00
Depreciation Income Statement
2,102.00
-0.10%
2,104.00
+18.40%
1,777.00
+20.80%
1,471.00
Insurance And Claims
—
—
—
—
Rent And Landing Fees
493.00
+24.81%
395.00
+10.96%
356.00
+163.70%
135.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
944,072.00
+4.12%
906,697.00
+2.86%
881,453.00
+0.92%
873,394.00
Cash And Cash Equivalents
56,661.00
-9.64%
62,705.00
-19.72%
78,110.00
-15.14%
92,046.00
Cash Financial
56,661.00
-9.64%
62,705.00
-19.72%
78,110.00
-14.53%
91,388.00
Taxes Receivable
1,346.00
+155.89%
526.00
-55.54%
1,183.00
+93.30%
612.00
Prepaid Assets
1,792.00
+9.67%
1,634.00
+12.30%
1,455.00
+18.87%
1,224.00
Net PPE
10,999.00
+8.73%
10,116.00
+4.63%
9,668.00
+18.95%
8,128.00
Gross PPE
10,999.00
+8.73%
10,116.00
+4.63%
9,668.00
+18.95%
8,128.00
Properties
—
—
—
871.00
Land And Improvements
1,126.00
+2.36%
1,100.00
+19.57%
920.00
+5.63%
871.00
Other Properties
9,873.00
+9.51%
9,016.00
+3.06%
8,748.00
+20.55%
7,257.00
Goodwill And Other Intangible Assets
8,593.00
+4.95%
8,188.00
-1.42%
8,306.00
+9.07%
7,615.00
Goodwill
3,010.00
+9.53%
2,748.00
-1.79%
2,798.00
+5.39%
2,655.00
Other Intangible Assets
5,583.00
+2.63%
5,440.00
-1.23%
5,508.00
+11.05%
4,960.00
Investments And Advances
269,891.00
+11.10%
242,937.00
+6.95%
227,153.00
-4.95%
238,987.00
Long Term Equity Investment
445.00
-17.90%
542.00
+35.16%
401.00
+4.16%
385.00
Total Liabilities Net Minority Interest
896,205.00
+4.11%
860,809.00
+3.20%
834,088.00
+0.56%
829,483.00
Payables
7,190.00
-17.62%
8,728.00
+26.22%
6,915.00
+25.14%
5,526.00
Other Payable
7,138.00
-17.79%
8,683.00
+26.28%
6,876.00
+24.61%
5,518.00
Total Tax Payable
52.00
+15.56%
45.00
+15.38%
39.00
+387.50%
8.00
Long Term Debt And Capital Lease Obligation
95,145.00
+7.48%
88,522.00
-5.49%
93,668.00
+2.00%
91,835.00
Preferred Securities Outside Stock Equity
407.00
-1.45%
413.00
-11.37%
466.00
-0.85%
470.00
Stockholders Equity
47,668.00
+4.27%
45,716.00
-3.07%
47,164.00
+8.01%
43,667.00
Common Stock Equity
47,668.00
+4.27%
45,716.00
-3.07%
47,164.00
+8.01%
43,667.00
Capital Stock
5,889.00
-2.85%
6,062.00
-4.66%
6,358.00
-5.51%
6,729.00
Common Stock
5,889.00
-2.85%
6,062.00
-4.66%
6,358.00
-5.51%
6,729.00
Share Issued
58,885.74
-2.86%
60,617.01
-4.64%
63,569.23
-5.53%
67,287.85
Ordinary Shares Number
58,759.79
-2.86%
60,491.06
-4.75%
63,508.21
-5.62%
67,287.85
Treasury Shares Number
125.95
+0.00%
125.95
+106.42%
61.02
0.00
Additional Paid In Capital
24,768.00
+1.21%
24,471.00
+2.23%
23,938.00
+2.14%
23,436.00
Retained Earnings
6,291.00
+6.41%
5,912.00
-12.93%
6,790.00
+3.66%
6,550.00
Minority Interest
199.00
+15.70%
172.00
-14.43%
201.00
-17.62%
244.00
Total Equity Gross Minority Interest
47,867.00
+4.31%
45,888.00
-3.12%
47,365.00
+7.87%
43,911.00
Total Capitalization
141,787.00
+6.63%
132,977.00
-4.47%
139,200.00
+3.74%
134,185.00
Invested Capital
141,787.00
+6.63%
132,977.00
-4.47%
139,200.00
+3.74%
134,185.00
Total Debt
95,145.00
+7.48%
88,522.00
-5.49%
93,668.00
+2.00%
91,835.00
Net Debt
37,458.00
+52.54%
24,556.00
+76.33%
13,926.00
—
Net Tangible Assets
39,075.00
+4.12%
37,528.00
-3.42%
38,858.00
+7.78%
36,052.00
Tangible Book Value
39,075.00
+4.12%
37,528.00
-3.42%
38,858.00
+7.78%
36,052.00
Available For Sale Securities
50,307.00
+11.22%
45,234.00
+5.33%
42,947.00
+29.83%
33,080.00
Cash Cash Equivalents And Federal Funds Sold
128,628.00
-3.03%
132,647.00
-1.23%
134,294.00
-1.91%
136,911.00
Derivative Product Liabilities
16,132.00
-25.58%
21,676.00
+7.58%
20,149.00
-16.19%
24,042.00
Financial Assets Designatedas Fair Value Through Profitor Loss Total
195,477.00
+15.85%
168,733.00
+7.30%
157,247.00
-13.01%
180,769.00
Investment Properties
3,917.00
+19.38%
3,281.00
+14.64%
2,862.00
+13.03%
2,532.00
Investmentin Financial Assets
269,446.00
+11.16%
242,395.00
+6.90%
226,752.00
-4.97%
238,602.00
Investmentsin Associatesat Cost
—
—
—
50.00
Investmentsin Joint Venturesat Cost
—
—
—
335.00
Other Equity Interest
5,947.00
-4.00%
6,195.00
-10.73%
6,940.00
+31.02%
5,297.00
Trading Securities
3,935.00
-9.81%
4,363.00
+3.83%
4,202.00
+72.64%
2,434.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
5,701.00
+229.77%
-4,393.00
-164.51%
6,810.00
-69.06%
22,011.00
Net Income From Continuing Operations
6,661.00
+11.56%
5,971.00
-20.42%
7,503.00
+56.90%
4,782.00
Depreciation
3,477.00
+1.49%
3,426.00
+17.93%
2,905.00
+21.24%
2,396.00
Depreciation And Amortization
3,477.00
+1.49%
3,426.00
+17.93%
2,905.00
+21.24%
2,396.00
Other Non Cash Items
2,225.00
-28.96%
3,132.00
-26.08%
4,237.00
+219.29%
1,327.00
Pension And Employee Benefit Expense
-37.00
-236.36%
-11.00
+86.08%
-79.00
-163.20%
125.00
Provisionand Write Offof Assets
636.00
+494.39%
107.00
+169.03%
-155.00
-116.92%
916.00
Gain Loss On Investment Securities
-102.00
-37.84%
-74.00
-111.43%
-35.00
+97.59%
-1,452.00
Net Foreign Currency Exchange Gain Loss
709.00
+70800.00%
1.00
-99.80%
502.00
+275.52%
-286.00
Gain Loss On Sale Of PPE
65.00
+280.56%
-36.00
+40.98%
-61.00
+49.59%
-121.00
Change In Working Capital
-5,286.00
+67.00%
-16,019.00
-228.39%
-4,878.00
-126.78%
18,216.00
Change In Other Current Assets
18,906.00
+821.33%
-2,621.00
-128.62%
9,158.00
+160.88%
-15,042.00
Change In Other Current Liabilities
5,210.00
-52.45%
10,958.00
+114.27%
5,114.00
+324.50%
-2,278.00
Investing Cash Flow
-10,189.00
-32.48%
-7,691.00
+21.69%
-9,821.00
-2025.69%
510.00
Net PPE Purchase And Sale
-3,511.00
-22.81%
-2,859.00
+2.56%
-2,934.00
-232.65%
-882.00
Purchase Of PPE
-5,071.00
-16.20%
-4,364.00
-10.17%
-3,961.00
-62.87%
-2,432.00
Sale Of PPE
1,560.00
+3.65%
1,505.00
+46.54%
1,027.00
-33.74%
1,550.00
Capital Expenditure
-6,323.00
-12.45%
-5,623.00
-3.08%
-5,455.00
-41.50%
-3,855.00
Net Investment Purchase And Sale
-5,453.00
-57.78%
-3,456.00
+31.06%
-5,013.00
-257.25%
3,188.00
Purchase Of Investment
-19,762.00
-87.89%
-10,518.00
-2.01%
-10,311.00
-29.15%
-7,984.00
Sale Of Investment
14,309.00
+102.62%
7,062.00
+33.30%
5,298.00
-52.58%
11,172.00
Net Business Purchase And Sale
27.00
+115.08%
-179.00
+52.89%
-380.00
-1.88%
-373.00
Purchase Of Business
—
-179.00
+52.89%
-380.00
+7.09%
-409.00
Gain Loss On Sale Of Business
-121.00
0.00
0.00
—
Net Intangibles Purchase And Sale
-1,252.00
-4.59%
-1,197.00
+19.88%
-1,494.00
-4.99%
-1,423.00
Purchase Of Intangibles
-1,252.00
+0.56%
-1,259.00
+15.73%
-1,494.00
-4.99%
-1,423.00
Financing Cash Flow
-5,357.00
+9.68%
-5,931.00
-69.46%
-3,500.00
+47.07%
-6,613.00
Net Issuance Payments Of Debt
-171.00
-2342.86%
-7.00
+97.87%
-328.00
+76.20%
-1,378.00
Issuance Of Debt
1,757.00
+116.38%
812.00
-42.70%
1,417.00
+69.09%
838.00
Repayment Of Debt
-1,928.00
-135.41%
-819.00
+53.07%
-1,745.00
+21.25%
-2,216.00
Long Term Debt Issuance
1,757.00
+116.38%
812.00
-42.70%
1,417.00
+69.09%
838.00
Long Term Debt Payments
-1,928.00
-135.41%
-819.00
+53.07%
-1,745.00
+21.25%
-2,216.00
Net Long Term Debt Issuance
-171.00
-2342.86%
-7.00
+97.87%
-328.00
+76.20%
-1,378.00
Net Common Stock Issuance
-1,611.00
+11.68%
-1,824.00
+4.35%
-1,907.00
+3.78%
-1,982.00
Common Stock Payments
-1,710.00
+14.97%
-2,011.00
-0.90%
-1,993.00
+0.99%
-2,013.00
Common Stock Dividend Paid
-2,000.00
-9.41%
-1,828.00
-10.72%
-1,651.00
-11.93%
-1,475.00
Cash Dividends Paid
-2,000.00
-9.41%
-1,828.00
-10.72%
-1,651.00
-11.93%
-1,475.00
Repurchase Of Capital Stock
-1,710.00
+14.97%
-2,011.00
-0.90%
-1,993.00
+0.99%
-2,013.00
Net Other Financing Charges
-718.00
+54.18%
-1,567.00
-241.17%
1,110.00
+202.49%
-1,083.00
Changes In Cash
-9,845.00
+45.35%
-18,015.00
-176.69%
-6,511.00
-140.93%
15,908.00
Effect Of Exchange Rate Changes
-378.00
-5300.00%
-7.00
+98.54%
-480.00
-166.02%
727.00
Beginning Cash Position
70,816.00
-20.29%
88,838.00
-7.30%
95,829.00
+21.01%
79,194.00
End Cash Position
60,593.00
-14.44%
70,816.00
-20.29%
88,838.00
-7.30%
95,829.00
Free Cash Flow
-622.00
+93.79%
-10,016.00
-839.19%
1,355.00
-92.54%
18,156.00
Common Stock Issuance
99.00
-47.06%
187.00
+117.44%
86.00
+177.42%
31.00
Interest Paid CFF
-806.00
-29.58%
-622.00
+0.16%
-623.00
-3.32%
-603.00
Issuance Of Capital Stock
99.00
-47.06%
187.00
+117.44%
86.00
+177.42%
31.00
Sale Of Business
27.00
0.00
0.00
-100.00%
36.00
Sale Of Intangibles
0.00
-100.00%
62.00
0.00
0.00
Taxes Refund Paid
-2,105.00
-528.36%
-335.00
+76.69%
-1,437.00
-93.41%
-743.00
SEC Filings

No SEC filings found for this symbol (may be non-US or ticker not in SEC index).

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