Lloyds Banking Group plc

NYSE•LYG

CEO: Mr. Charles Alan Nunn

板块: Financial Services

行业: Banks - Regional

上市日期: 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.

联系方式

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

44-20-7626-1500

www.lloydsbankinggroup.com

市值

$82.45B

市盈率 (TTM)

13.3

14.1

股息率

3.5%

52周最高

$6.34

52周最低

$3.69

52周范围

72%

排名40Top 42.0%

4.1

F-Score

改良版 Piotroski 分析

基于 10 年期基本面

一般 • 4.1 / 9 分

评分区间 (0-9)

8-9: 价值优异

6-7: 基本面强劲

4-5: 整体稳健

0-3: 表现疲弱

数据范围: 2016-2025

财务仪表盘

Q4 2025 数据

营业收入

$67.50B+110.25%

近4季度走势

每股收益

$0.12+182.19%

近4季度走势

自由现金流

$0.00+0.00%

近4季度走势

2025 Annual 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (TTM)

LYG

$85.83B

+72.8%

ITUB

$68.80B

+20.3%

$61.16B

-18.3%

毛利率 (最新季度)

LYG

100.0%

-82.4pp

94.9%

+50.5pp

BCS

92.3%

+0.0pp

关键指标

股票代码	市值	市盈率 (TTM)	净资产收益率 (TTM)	负债率
HDB	$139.21B	17.5	13.1%	13.3%
MFG	$108.69B	16.4	9.7%	21.6%
ITUB	$103.49B	11.6	21.6%	32.9%

长期趋势

近4季度

营业收入

净利润

经营现金流

4季度营收复合增长率

125.1%

高速增长

4季度净利润复合增长率

5.8%

盈利能力稳步提升

现金流稳定性

现金流需要关注

深度研究

下次财报:2026年4月29日

每股收益:$0.11

营业收入:$6.56B

财务数据

电话会议

财务报告

新闻

利润表

资产负债表

现金流量表

财务比率

变化率

利润表	过去12个月

无数据