Lloyds Banking Group plc

NYSE•LYG

執行長: Mr. Charles Alan Nunn

板塊: Financial Services

行業: 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.

聯絡資訊

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

44-20-7626-1500

www.lloydsbankinggroup.com

市值

$73.82B

本益比 (TTM)

12.1

13.4

股息率

3.5%

52周最高

$6.34

52周最低

$3.27

52周範圍

57%

排名40Top 42.0%

4.1

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

一般 • 4.1 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$67.50B+110.25%

近4季度走勢

每股收益

$0.12+182.19%

近4季度走勢

自由現金流

$0.00+0.00%

近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
HDB	$144.80B	16.9	13.7%	13.3%
MFG	$94.24B	14.5	9.7%	21.6%
ITUB	$87.99B	10.4	21.6%	32.9%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

125.1%

高速增長

4季度淨利複合增長率

5.8%

盈利能力逐步提升

現金流穩定性

現金流需要關注

深度研究

下次財報:2026年4月29日

每股收益:$0.12

營業收入:$5.25B

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損益表	過去12個月

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