Lloyds Banking Group plc

NYSE•LYG

CEO: Mr. Charles Alan Nunn

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

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

44-20-7626-1500

www.lloydsbankinggroup.com

時価総額

$79.12B

PER (TTM)

12.6

14.1

配当利回り

3.4%

52週高値

$6.34

52週安値

$3.27

52週レンジ

68%

順位40Top 42.0%

4.1

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

堅調 • 4.1 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$67.50B+110.25%

直近4四半期の推移

EPS

$0.12+182.19%

直近4四半期の推移

フリーCF

$0.00+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

LYG

$85.83B

+72.8%

ITUB

$68.80B

+20.3%

$61.16B

-18.3%

粗利益率 (最新四半期)

LYG

100.0%

-82.4pp

94.9%

+50.5pp

BCS

92.3%

+0.0pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
HDB	$157.93B	17.9	13.7%	13.3%
MFG	$101.40B	15.5	9.7%	21.6%
ITUB	$94.94B	11.1	21.6%	32.9%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

125.1%

高成長

4四半期純利益CAGR

5.8%

収益性の着実な向上

キャッシュフロー安定性

キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月29日

EPS:$0.16

売上高:$7.07B

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし