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Lloyds Banking Group PLC

Lloyds Banking Group PLC

LLOY · LSE · Financial Services / Banks - Regional

98.60GBX+0.32 (+0.33%)

Price History

Full chart

Market Stats

Previous Close98.28
Open97.78
Day Range97.64 – 98.80
52-Week Range81.79 – 117.88
Volume134.41M
Market Cap59.81B
P/E (TTM)13.00
Forward P/E9.42
EPS0.08
Dividend Yield3.86%
Beta0.91
50-Day Avg111.39
200-Day Avg104.30

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Charles Alan Nunn
  • Employees60.06K
  • Headquarters33 Old Broad Street, London, United Kingdom, EC2N 1HZ, UK
  • Websitehttps://www.lloydsbankinggroup.com

Leadership

  • Mr. Charles Alan NunnGroup Chief Executive & Executive Director · b. 1971
  • Mr. William Leon David ChalmersGroup CFO & Executive Director · b. 1968
  • Mr. Ron van KemenadeGroup Chief Operating Officer
  • Mr. Peter Fitzgerald CFAChief Investment Officer
  • Ms. Carla A. S. Antunes Da SilvaDirector of Group Strategy, Corporate Development & Investor Relations · b. 1974
  • Ms. Catherine Lucy CheethamChief Legal Officer & Company Secretary · b. 1963
  • Matt SmithHead of Media Relations
  • Mr. Suresh BalajiChief Marketing Officer
  • Ms. Sharon DohertyChief People & Places Officer · b. 1969
  • Mr. Chris Sood-NichollsHead of Global Services & MD

Financials

Income Statement

Currency: GBP1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue---10.08B9.37B17.36B16.00B15.21B15.50B15.26B17.46B19.88B21.40B19.43B41.64B41.59B34.26B36.29B32.24B24.85B23.65B24.38B23.71B21.58B24.79B18.69B18.71B20.77B33.95B37.61B40.96B
Growth (%)-----7.04%+85.26%-7.86%-4.91%+1.92%-1.59%+14.42%+13.89%+7.63%-9.20%+114.29%-0.13%-17.62%+5.91%-11.14%-22.95%-4.81%+3.10%-2.74%-8.99%+14.86%-24.61%+0.11%+11.03%+63.44%+10.79%+8.89%
Cost of Revenue---6.89B5.71B7.05B6.46B5.38B4.89B5.60B6.92B8.78B10.78B9.85B19.21B16.79B13.62B15.83B13.82B8.55B6.30B7.35B5.09B2.95B6.68B3.56B2.39B4.72B14.75B19.01B18.31B
Gross Profit---3.19B3.66B10.31B9.54B9.83B10.62B9.66B10.54B11.10B10.63B9.58B22.43B24.79B20.64B20.46B18.42B16.30B17.35B17.04B18.62B18.63B18.11B15.13B16.32B16.05B19.20B18.60B22.64B
Gross Margin---31.64%39.04%59.38%59.64%64.63%68.48%63.32%60.37%55.85%49.65%49.31%53.86%59.62%60.25%56.37%57.13%65.58%73.38%69.87%78.52%86.32%73.05%80.97%87.25%77.26%56.55%49.46%55.28%
Operating Expense---175.00M38.00M7.69B6.42B7.27B6.34B6.18B6.72B6.86B6.63B8.82B21.39B24.51B24.39B21.06B18.00B14.53B15.71B13.15B13.00B12.67B13.72B13.91B9.42B11.27B11.70B12.63B15.98B
Operating Income1.77B2.36B3.15B3.02B3.62B2.62B3.12B2.56B4.27B3.48B3.82B4.25B4.00B760.00M1.04B281.00M-3.75B-606.00M415.00M1.76B1.64B3.89B5.63B5.96B4.39B1.23B6.90B4.78B7.50B5.97B6.66B
Operating Margin---29.90%38.64%15.11%19.48%16.81%27.56%22.79%21.88%21.36%18.69%3.91%2.50%0.68%-10.95%-1.67%1.29%7.09%6.95%15.95%23.72%27.61%17.72%6.56%36.89%23.02%22.10%15.87%16.26%
EBITDA2.06B2.62B3.40B3.24B3.85B3.75B3.67B4.23B4.97B4.12B4.46B4.87B4.63B1.45B3.60B2.71B-1.58B1.52B2.35B3.70B3.76B6.27B8.00B8.37B7.05B3.96B9.73B7.18B10.41B9.40B6.66B
EBITDA Margin---32.11%41.12%21.62%22.93%27.83%32.05%26.97%25.54%24.48%21.63%7.44%8.65%6.52%-4.60%4.19%7.30%14.88%15.88%25.71%33.71%38.76%28.45%21.18%51.99%34.55%30.66%24.98%16.26%
Net Income1.13B1.57B2.33B2.13B2.52B1.93B2.24B1.79B3.25B2.39B2.49B2.80B3.29B772.00M2.83B-320.00M-2.96B-1.47B-838.00M1.41B860.00M2.06B3.91B4.41B2.92B1.32B5.78B3.83B5.46B4.42B4.20B
Net Income Margin---21.16%26.89%11.12%13.99%11.77%20.96%15.68%14.28%14.10%15.36%3.97%6.79%-0.77%-8.65%-4.05%-2.60%5.68%3.64%8.46%16.48%20.42%11.80%7.05%30.91%18.42%16.08%11.75%10.24%
Interest Expense0006.89B5.71B7.05B6.46B5.38B4.89B5.60B6.92B8.78B10.78B9.85B19.21B16.79B13.62B15.83B13.82B8.55B6.30B7.35B5.09B2.95B6.68B3.56B2.39B4.72B14.75B19.01B17.52B
Interest Expense % of Total Revenue---68.36%60.96%40.62%40.36%35.37%31.52%36.68%39.63%44.15%50.35%50.69%46.14%40.38%39.75%43.63%42.87%34.42%26.62%30.13%21.48%13.68%26.95%19.03%12.75%22.74%43.45%50.54%42.77%

Balance Sheet

Currency: GBP1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets148.05B147.37B158.11B168.00B299.10B219.11B247.58B252.76B252.01B284.42B309.75B343.60B353.35B436.03B1.03T992.44B980.25B934.22B842.38B854.90B806.69B817.79B812.11B797.60B833.89B871.27B881.26B873.39B881.45B906.70B944.07B
Total Liabilities143.20B142.26B151.81B160.48B290.37B208.54B235.79B244.06B241.66B272.74B299.12B332.09B340.92B426.33B983.15B947.87B934.07B891.64B803.04B804.99B759.71B768.98B762.97B747.40B114.82B821.86B830.04B829.48B834.09B860.81B896.21B
Total Equity4.21B5.07B6.25B7.47B8.69B10.02B10.78B7.97B9.62B11.05B10.20B11.15B12.14B9.39B43.28B43.73B45.51B41.90B38.99B48.69B46.59B48.38B48.91B49.92B47.60B49.18B50.98B43.67B47.16B45.72B47.67B
Cash7.77B9.12B10.29B6.03B1.28B6.43B2.91B7.74B2.64B2.54B2.47B3.33B5.57B5.95B40.57B39.48B62.13B81.55B50.92B51.66B59.11B48.16B59.28B55.31B55.44B73.56B76.42B92.05B79.02B62.70B56.66B
Total Debt3.84B3.92B4.21B4.02B12.26B7.51B7.67B10.17B36.38B39.02B51.75B66.19B63.53B92.97B262.15B260.47B221.20B146.76B115.41B98.49B127.23B118.02B92.73B126.59B165.75B101.66B84.66B91.83B93.67B88.52B141.60B
Net Debt-3.93B-5.21B-6.08B-2.00B10.98B1.08B4.76B2.43B33.73B36.48B49.28B62.86B57.96B87.01B221.58B220.99B159.07B65.21B64.49B46.83B47.37B49.39B32.41B54.62B59.38B33.53B7.41B-211.00M13.01B25.82B84.94B

Cash Flow

Currency: GBP1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow2.99B227.00M-654.00M-2.58B-59.00M7.47B9.95B5.39B-701.12M12.21B-331.00M5.22B9.86B33.84B-33.73B-2.04B19.89B3.05B-15.53B10.35B16.37B2.07B-3.19B-11.11B11.28B27.17B6.62B22.01B6.81B-4.39B4.43B
Investing Cash Flow-1.77B3.44B1.97B1.40B-1.74B-4.67B-8.52B-2.56B370.00M-1.26B-643.00M-4.89B-1.08B-35.09B50.82B-2.40B6.93B15.23B-15.61B-7.72B-3.31B-686.00M6.81B11.92B-2.13B-4.00B-2.54B510.00M-9.82B-7.69B-10.19B
Financing Cash Flow-85.00M252.00M310.00M-209.00M1.35B1.48B785.00M2.31B489.00M-2.19B-469.00M-1.64B-2.32B674.00M16.05B566.00M-3.24B-3.10B-3.07B-4.28B-6.26B-10.97B-5.02B-4.30B-6.56B-5.32B-3.23B-6.61B-3.50B-5.93B-4.09B
Capital Expenditure243.00M195.00M202.00M230.00M352.00M429.00M1.16B260.00M778.00M1.56B1.84B1.72B1.33B1.44B2.69B3.22B3.10B3.00B2.98B3.44B3.42B3.76B3.65B3.51B3.44B2.90B3.23B3.85B5.46B5.62B5.07B
Free Cash Flow2.75B32.00M-856.00M-2.81B-411.00M7.04B8.79B5.13B-1.48B10.65B-2.17B3.49B8.52B32.41B-36.42B-5.25B16.80B46.00M-18.51B6.91B12.96B-1.69B-6.85B-14.62B7.84B24.27B3.39B18.16B1.35B-10.02B-639.00M
Dividends Paid----1.30B-1.74B-1.91B1.91B1.91B1.92B1.96B2.04B116.00M47.00M--287.00M287.00M1.07B2.01B2.28B2.24B2.31B453.00M877.00M1.48B1.65B1.83B2.00B
FCF to OCF91.87%14.10%130.89%108.91%696.61%94.26%88.37%95.18%210.97%87.19%656.80%66.96%86.47%95.76%107.97%257.88%84.44%1.51%119.20%66.75%79.13%-81.29%214.40%131.64%69.49%89.32%51.25%82.49%19.90%228.00%-14.42%
Dividend Paid to FCF-----315.33%-19.77%--129.00%17.96%-88.04%54.92%22.96%6.30%-0.32%-0.89%---1.55%4.15%8.26%-119.45%-33.34%-15.32%29.49%1.87%25.85%8.12%121.85%-18.25%-312.99%

Earnings

Report DateMay 5, 2011Aug 4, 2011Nov 8, 2011Feb 24, 2012May 1, 2012Jul 26, 2012Nov 1, 2012Mar 1, 2013Apr 30, 2013Aug 1, 2013Oct 29, 2013Feb 13, 2014May 1, 2014Jul 31, 2014Oct 28, 2014Feb 27, 2015May 1, 2015Jul 31, 2015Oct 28, 2015Feb 25, 2016Apr 28, 2016Jul 28, 2016Oct 26, 2016Feb 22, 2017Apr 27, 2017Jul 27, 2017Oct 25, 2017Feb 21, 2018Apr 25, 2018Aug 1, 2018Oct 25, 2018Feb 20, 2019May 2, 2019Jul 31, 2019Oct 31, 2019Feb 20, 2020Apr 30, 2020Jul 30, 2020Oct 29, 2020Feb 24, 2021Apr 28, 2021Jul 29, 2021Oct 28, 2021Feb 24, 2022Apr 27, 2022Jul 27, 2022Oct 27, 2022Feb 22, 2023May 3, 2023Jul 26, 2023Oct 25, 2023Feb 22, 2024Apr 24, 2024Jul 25, 2024Oct 23, 2024Feb 20, 2025May 1, 2025Jul 24, 2025Oct 23, 2025Jan 29, 2026Apr 29, 2026Jul 30, 2026Oct 29, 2026
EPS Estimate-----0.020.01-0.010.010.010.020.020.020.021.860.020.020.021.600.020.020.021.360.020.020.021.550.020.020.020.021.750.020.021.500.02-0.010.310.650.010.020.021.220.020.020.021.740.020.020.020.021.580.010.020.020.020.020.020.020.020.030.03
EPS Actual-3.600.20-0.030.050.00-0.010.01-0.540.020.010.010.030.020.020.031.930.020.020.021.800.020.021.210.830.020.020.021.430.020.020.020.022.020.020.021.311.05-0.010.011.120.020.030.020.760.020.020.023.040.020.020.020.032.100.020.020.010.020.020.010.020.020.02-
Surprise------150.00%0.00%-100.00%0.00%0.00%50.00%0.00%0.00%50.00%3.76%0.00%0.00%0.00%12.50%0.00%0.00%5950.00%-38.97%0.00%0.00%0.00%-7.74%0.00%0.00%0.00%0.00%15.43%0.00%0.00%-12.67%5150.00%0.00%-96.77%72.31%100.00%50.00%0.00%-37.70%0.00%0.00%0.00%74.71%0.00%0.00%0.00%50.00%32.91%100.00%0.00%-20.91%0.00%0.00%-50.00%0.00%0.00%-33.33%-
Timing-After-hoursPre-market-Pre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hours

Key Statistics & Ratios

Market Cap59.81B
Enterprise Value58.40B
Trailing P/E13.00
Forward P/E9.42
PEG Ratio0.63
Price / Sales3.04
Price / Book1.33
EPS0.08
Book Value0.714
Revenue (TTM)19.69B
Gross Profit (TTM)19.69B
Profit Margin26.43%
Operating Margin44.96%
Return on Equity11.34%
Return on Assets0.56%
Shares Outstanding57.51B
Shares Float54.63B
Beta0.91
Dividend Yield3.86%
Dividend Rate0.04
Payout Ratio57.29%

Dividends

20262×
0.02Aug 6, 20260.02Apr 9, 2026
20252×
0.01Jul 31, 20250.02Apr 10, 2025
20242×
0.01Aug 1, 20240.02Apr 11, 2024
20232×
0.01Aug 3, 20230.02Apr 13, 2023
20222×
0.01Aug 4, 20220.01Apr 7, 2022
20212×
0.01Aug 5, 20210.01Apr 15, 2021
20201×
0.02Apr 16, 2020
20192×
0.01Aug 8, 20190.02Apr 4, 2019
20182×
0.01Aug 16, 20180.02Apr 19, 2018
20172×
0.01Aug 10, 20170.01Apr 6, 2017
20162×
0.01Aug 11, 20160.01Apr 7, 2016
20152×
0.01Aug 13, 20150.01Apr 2, 2015
20081×
0.06Dec 31, 2008

Stock Splits

  • Nov 27, 2009841:560
  • May 20, 2009918:701