Lloyds Banking Group plc

NYSE•LYG

CEO: Mr. Charles Alan Nunn

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 2001-11-28

Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom and internationally. 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, motor finance, unsecured loans, leasing solutions, and credit cards to personal customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, and debt financing services to small and medium-sized entities, corporates, and institutions. The Insurance, Pensions, and Investments segment offers insurance, investment, and pension management products and services. It also provides 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, Citra, IWeb, Cavendish Online, and Tusker brand names. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.

Contact Information

25 Gresham Street, London, EC2V 7HN, United Kingdom

44-20-7626-1500

www.lloydsbankinggroup.com

Market Cap

$80.69B

P/E (TTM)

12.9

14.1

Dividend Yield

3.6%

52W High

$6.34

52W Low

$3.50

52W Range

70%

Rank40Top 42.0%

4.1

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.1 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$67.50B+110.25%

4-Quarter Trend

EPS

$0.12+182.19%

4-Quarter Trend

FCF

$0.00+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

NII and NIM Expansion Net Interest Income increased 8% to £13.23B; Net Interest Margin expanded 10 basis points to 2.06% driven by higher asset volumes.

Strong Capital Maintenance Common Equity Tier 1 capital ratio maintained at 14.0% at year-end 2025, supporting regulatory resilience and strategic flexibility.

Retail Profit Growth Retail underlying profit rose £164M to £3.36B, primarily driven by higher underlying net interest income across customer balances.

Total Asset Scale Growth Average total assets grew to £929.63B, reflecting increased lending volumes, partially offset by reduced average loans to banks.

Risk Factors

Rising Impairment Charge Total impairment charge significantly increased to £795M (from £431M in 2024), largely due to updates in macroeconomic outlook.

Motor Finance Remediation Costs Remediation costs increased to £931M, including a substantial £800M provision related to potential motor finance commission redress.

Economic Uncertainty Exposure Business faces inherent risks from general macroeconomic conditions, geopolitical unpredictability, and potential changes in global trade policies.

Credit Quality Monitoring Needs Commercial Banking experienced higher Stage 3 charges, necessitating proactive management despite overall strong credit performance in Retail.

Outlook

Significant Share Buyback Announced a new ordinary share buyback program of up to £1.75 billion, expected to complete by the end of December 2026.

Progressive Dividend Policy Recommended 2025 final ordinary dividend of 2.43 pence per share, resulting in a 15% year-on-year increase.

Digital Transformation Focus Retail division continues mobile-first strategy to deepen customer relationships, improve experience, and enhance operational efficiency.

Cybersecurity Investment Continues Ongoing heavy investment in IT and Cyber Security framework to mitigate threats, improve detection, and manage vulnerabilities across the estate.

Peer Comparison

Revenue (TTM)

LYG

$85.83B

+72.8%

ITUB

$68.80B

+20.3%

$61.16B

-18.3%

Gross Margin (Latest Quarter)

LYG

100.0%

-82.4pp

BCS

97.5%

+0.0pp

94.9%

+50.5pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
HDB	$137.11B	17.5	13.1%	13.3%
MFG	$106.59B	16.0	9.7%	21.6%
ITUB	$100.95B	11.3	21.6%	32.9%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

125.1%

Strong Growth

4Q Net Income CAGR

5.8%

Profitability Improving

Cash Flow Stability

Cash Flow Needs Attention

Deep Research

Next earnings:Apr 29, 2026

EPS:$0.11

Revenue:$6.58B

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data