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Lloyds Banking Group PLC ADR

Lloyds Banking Group PLC ADR

LYG · NYSE · Financial Services / Banks - Regional

5.21USD+0.04 (+0.77%)

Price History

Full chart

Market Stats

Previous Close5.17
Open5.19
Day Range5.16 – 5.21
52-Week Range4.34 – 6.25
Volume11.34M
Market Cap78.84B
P/E (TTM)12.79
Forward P/E9.20
EPS0.43
Dividend Yield3.96%
Beta0.94
50-Day Avg5.71
200-Day Avg5.63

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, USA
  • 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

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-03-312015-12-312016-03-312016-12-312017-03-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue---10.08B9.37B17.36B16.00B15.21B15.50B15.26B17.46B19.88B21.40B19.43B41.64B41.59B34.26B36.29B32.24B24.85B19.83B23.65B18.99B24.38B18.80B23.71B21.58B24.79B18.69B18.71B20.77B33.95B37.61B65.00B
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%-20.19%+19.27%-19.71%+28.40%-22.89%+26.14%-8.99%+14.86%-24.61%+0.11%+11.03%+63.44%+10.79%+72.81%
Cost of Revenue---6.89B5.71B7.05B6.46B5.38B4.89B5.60B6.92B8.78B10.78B9.85B19.21B16.79B13.62B15.83B13.82B8.55B15.45B6.30B14.36B7.35B14.79B5.09B2.95B6.68B3.56B2.39B4.72B14.75B19.01B45.58B
Gross Profit---3.19B3.66B10.31B9.54B9.83B10.62B9.66B10.54B11.10B10.63B9.58B22.43B24.79B20.64B20.46B18.42B16.30B4.38B17.35B4.63B17.04B4.01B18.62B18.63B18.11B15.13B16.32B16.05B19.20B18.60B19.42B
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%22.09%73.38%24.41%69.87%21.33%78.52%86.32%73.05%80.97%87.25%77.26%56.55%49.46%29.88%
Operating Expense---175.00M38.00M7.69B6.42B7.27B6.34B6.18B6.72B6.86B6.63B8.82B21.39B24.51B24.39B21.06B18.00B14.53B015.71B013.15B013.00B12.67B13.72B13.91B9.42B11.27B11.70B12.63B12.76B
Operating Income1.77B2.36B3.15B3.02B3.62B2.62B3.12B2.56B4.27B3.48B3.82B4.25B4.00B760.00M1.04B281.00M-3.75B-606.00M415.00M1.76B4.38B1.64B4.63B3.89B4.01B5.63B5.96B4.39B1.23B6.90B4.78B7.50B5.97B6.66B
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%22.09%6.95%24.41%15.95%21.33%23.72%27.61%17.72%6.56%36.89%23.02%22.10%15.87%10.25%
EBITDA2.06B2.62B3.40B3.23B3.85B3.75B3.67B4.23B4.97B4.12B4.46B4.87B4.63B1.45B3.60B2.71B-1.58B1.52B2.35B3.70B-3.76B-6.27B-8.00B8.37B7.05B3.96B9.73B7.18B10.41B9.40B6.66B
EBITDA Margin---32.07%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%10.25%
Net Income1.13B1.57B2.33B2.13B2.52B1.93B2.24B1.79B3.25B2.39B2.49B2.80B3.29B772.00M2.83B-320.00M-2.96B-1.47B-838.00M1.41B2.98B860.00M3.73B2.06B9.75B3.91B4.41B2.92B1.32B5.78B3.83B5.46B4.42B4.66B
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%15.05%3.64%19.63%8.46%51.84%16.48%20.42%11.80%7.05%30.91%18.42%16.08%11.75%7.17%
R&D---------------------0-0-000------
R&D as % of Total Revenue---------------------0.00%-0.00%-0.00%0.00%0.00%------
Interest Expense0006.89B5.71B7.05B6.46B5.38B4.89B5.60B6.92B8.78B10.78B9.85B19.21B16.79B13.62B15.83B13.82B8.55B06.30B07.35B05.09B2.95B6.68B3.56B2.39B4.72B14.75B19.01B17.14B
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%0.00%26.62%0.00%30.13%0.00%21.48%13.68%26.95%19.03%12.75%22.74%43.45%50.54%26.36%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-03-312015-12-312016-03-312016-12-312017-03-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets148.05B147.37B158.11B288.61B299.10B226.11B247.58B252.69B252.01B284.29B309.75B343.60B353.35B436.03B1.03T992.44B980.25B934.22B842.38B854.90B81.78B806.69B84.71B817.79B82.33B812.11B797.60B833.89B871.27B886.52B877.83B881.45B906.70B944.07B
Total Liabilities143.20B142.26B151.81B281.09B290.37B211.84B235.79B244.01B241.66B272.62B299.12B332.09B340.92B426.33B983.15B947.87B934.07B891.64B803.04B804.99B64.02B759.71B65.22B768.98B56.86B762.97B747.40B114.82B101.66B84.66B830.31B834.09B860.81B896.21B
Total Equity4.21B5.07B6.25B7.47B8.69B13.72B10.78B7.95B9.62B11.04B10.20B11.15B12.14B9.39B43.28B43.73B45.51B41.90B38.99B48.69B17.76B46.59B19.48B48.38B25.47B48.91B49.92B719.07B769.61B801.87B47.52B47.16B45.72B47.67B
Cash7.77B9.12B10.29B1.07B1.28B17.30B2.91B2.90B2.64B1.08B2.47B3.33B5.57B5.95B40.57B39.48B62.13B81.55B50.92B51.66B703.00M59.11B983.00M48.16B1.90B59.28B55.31B55.44B73.56B76.57B91.63B78.11B62.70B56.66B
Total Debt3.84B3.92B4.21B11.85B12.26B7.52B7.67B10.17B36.38B28.76B49.20B63.23B60.50B87.47B262.15B260.47B221.20B146.76B115.41B98.49B-101.75B-92.55B-87.18B105.97B165.75B152.80B142.96B142.03B93.67B88.52B95.14B
Net Debt-3.93B-5.21B-6.08B10.78B10.98B-9.78B4.76B7.28B33.73B27.68B46.73B59.90B54.93B81.52B221.58B220.99B159.07B65.21B64.49B46.83B-42.64B-44.39B-27.91B50.66B59.38B28.10B8.09B-7.08B15.56B25.82B38.48B

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-03-312015-12-312016-03-312016-12-312017-03-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
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-15.53B10.35B7.43B16.37B7.72B2.07B6.54B-3.19B-11.11B11.28B27.17B6.62B22.01B6.81B-4.39B4.33B
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-2.97B-3.31B-5.80B-686.00M-5.39B6.81B11.92B-2.13B-4.00B-2.54B510.00M-9.82B-7.69B-9.97B
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-4.83B-6.26B-1.91B-10.97B86.00M-5.02B-4.30B-6.56B-5.32B-3.23B-6.61B-3.50B-5.93B-4.00B
Capital Expenditure243.00M195.00M202.00M230.00M352.00M429.00M1.16B260.00M778.00M1.56B1.84B1.72B1.33B1.44B2.69B3.22B3.10B3.00B2.98B3.44B3.83B3.42B4.10B3.76B4.12B3.65B3.51B3.44B2.90B3.23B3.85B5.46B4.36B4.96B
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-18.51B6.91B-12.96B--1.69B--6.85B-14.62B7.84B24.27B3.39B18.16B1.35B-8.76B-625.00M
Dividends Paid----1.30B-1.74B-1.91B1.91B1.91B1.92B1.96B2.04B116.00M47.00M50.00M56.00M287.00M287.00M1.89B1.07B1.92B2.01B1.83B2.28B2.24B2.31B453.00M877.00M1.48B1.65B2.33B1.96B
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%199.34%-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%0.30%121.74%-1.55%4.15%-8.26%--119.45%--33.34%-15.32%29.49%1.87%25.85%8.12%121.85%-26.56%-312.99%

Earnings

Report DateDec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Feb 24, 2012May 1, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Feb 27, 2015Jun 30, 2015Jul 31, 2015Dec 31, 2015Feb 26, 2016Jun 30, 2016Jul 28, 2016Oct 26, 2016Feb 23, 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, 2023Mar 20, 2024Jun 27, 2024Jul 25, 2024Oct 23, 2024Feb 20, 2025May 1, 2025Jul 24, 2025Oct 23, 2025Jan 29, 2026Apr 29, 2026Jul 30, 2026Oct 22, 2026Oct 29, 2026
EPS Estimate0.000.00------------------------0.000.000.00-0.100.110.090.080.100.10-0.030.080.03-0.060.040.070.030.160.110.090.080.100.070.110.100.090.110.090.120.090.090.080.080.100.110.110.120.140.150.14
EPS Actual-0.09-0.060.00-0.010.050.000.00-0.01-0.010.030.00-0.04-0.020.03-0.010.020.000.02-0.000.01-0.010.010.030.000.010.070.060.120.100.100.080.110.090.090.080.09-0.030.080.03-0.060.040.070.030.160.110.100.070.100.070.110.110.390.110.090.080.090.190.060.090.120.060.120.130.13-0.15
Surprise-------------------------------15.90%0.73%2.56%13.75%-22.30%-7.90%13.67%-0.63%5.33%-3.17%3.00%5.00%-6.00%-1.81%0.36%6.22%-6.25%0.20%-0.71%-0.73%10.00%333.33%0.00%-1.72%-29.27%-4.22%111.11%-21.32%12.50%20.00%-45.45%9.09%8.33%-7.14%-7.14%
Timing--------------------------------------------------Pre-market-Pre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-market

Key Statistics & Ratios

Market Cap78.84B
Enterprise Value77.86B
Trailing P/E12.79
Forward P/E9.20
PEG Ratio0.62
Price / Sales3.91
Price / Book1.26
EPS0.43
Book Value3.83
Revenue (TTM)20.18B
Gross Profit (TTM)20.18B
Profit Margin30.68%
Operating Margin44.05%
Return on Equity11.34%
Return on Assets0.56%
Shares Outstanding14.33B
Shares Float13.65B
Beta0.94
Dividend Yield3.96%
Dividend Rate0.22
Payout Ratio36.87%

Analyst Ratings

Buy
Based on 4 analystsTarget 6.58
  • Strong Buy
    1
  • Hold
    3

Ownership Breakdown

Institutions
4.15%
Insiders
0.00%
Retail / Other
95.85%

Top Institutional Holders

  • FMR Inc
    51.01M0.35%
  • Mondrian Investment Partners Ltd
    49.95M0.35%
  • Morgan Stanley - Brokerage Accounts
    42.67M0.30%
  • JPMorgan Chase & Co
    31.76M0.22%
  • The Goldman Sachs Group Inc
    26.50M0.18%
  • WCM Investment Management
    26.16M0.18%
  • Northern Trust Corp
    23.63M0.16%
  • Fisher Asset Management, LLC
    21.50M0.15%
  • BNP Paribas Arbitrage, SA
    18.12M0.13%
  • Citigroup Inc
    16.75M0.12%
  • CIBC Bancorp USA Inc.
    15.05M0.10%
  • Arnhold & S. Bleichroeder Advisers, LLC
    14.00M0.10%
  • Dimensional Fund Advisors, Inc.
    12.86M0.09%
  • American Century Companies Inc
    12.03M0.08%
  • Jane Street Group LLC
    10.93M0.08%
  • Optiver Holding B.V.
    10.81M0.08%
  • Arrowstreet Capital Limited Partnership
    10.24M0.07%
  • BlackRock Inc
    9.93M0.07%
  • Millennium Management LLC
    8.10M0.06%

Top Fund Holders

  • Avantis International Equity ETF
    10.58M0.07%

Dividends

20262×
0.08Aug 10, 20260.13Apr 10, 2026
20252×
0.07Aug 4, 20250.10Apr 11, 2025
20242×
0.06Aug 5, 20240.09Apr 11, 2024
20232×
0.05Aug 4, 20230.08Apr 13, 2023
20222×
0.04Aug 5, 20220.07Apr 7, 2022
20212×
0.04Aug 6, 20210.03Apr 15, 2021
20201×
0.10Apr 16, 2020
20192×
0.06Aug 9, 20190.11Apr 4, 2019
20182×
0.06Aug 16, 20180.11Apr 19, 2018
20172×
0.05Aug 9, 20170.11Apr 5, 2017
20162×
0.04Aug 10, 20160.11Apr 6, 2016
20152×
0.05Aug 12, 20150.05Apr 2, 2015
20091×
1.45Dec 14, 2009

Stock Splits

  • May 6, 200941:40