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Lloyds Banking Group plc (LLD.DE)

EUR1.33 +0.02 (+1.18%)
GB XETRA Financial Services Banks - Regional
Address 25 Gresham Street EC2V 7HN
London, GB
CEO Charles Alan Nunn
IPO 2003-12-01
ISIN GB0008706128

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Also trades on Deutsche Börse · LLD.DE (EUR) London Stock Exchange · LLOY.L (GBp) New York Stock Exchange · LYG (USD) Other OTC · LLDTF (USD) Other OTC · LLOBF (USD) Swiss Exchange · LLOY.SW (GBP)
Description

Headquartered in London, UK, Lloyds Banking Group plc stands as a prominent financial services institution offering a comprehensive suite of banking and financial solutions across the United Kingdom. Its operations are strategically organised into three core divisions: Retail, Commercial Banking, and Insurance and Wealth. The Retail division caters to both individual consumers and small businesses, providing an extensive range of financial products, including current and savings accounts, home loans, vehicle finance, unsecured personal loans, various leasing arrangements, and credit cards. Through its Commercial Banking segment, the group supports small and medium-sized enterprises (SMEs), larger corporate entities, and other financial institutions, delivering services such as lending facilities, transactional banking, working capital management, risk mitigation, and expertise in debt financing and capital markets. The Insurance and Wealth segment focuses on delivering a diverse portfolio of insurance, investment, and wealth management products and services. Furthermore, the company embraces digital innovation by offering its services through various online banking platforms. Lloyds Banking Group distributes its offerings under several well-recognised brands, notably Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows. The institution boasts a long and distinguished history, having been established in 1695.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR1.33 +0.02 (+1.18%)
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Volume Profile
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Liquidity & share structure
Average Volume
127.8K
Beta
0.92
Float Shares
56.47B
Free Float %
96.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-3.98% -6.11% -6.11% -8.46% -0.14% -5.30% +24.83% +108.84% +83.08% +32.03% -80.35%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (23 ratings, all time) Buy
Price Targets & DCF
Current price
1.33
DCF (Unlevered) 4.02 +202.5%
DCF (Levered) 4.99 +274.8%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.11
Distress
Piotroski F-Score
3 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +69.5% Q1'26: +18.1% (vs Q1'25)
  • EPS growth
    +10.9% Q1'26: +44.6% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +39.1% (vs Q1'25)
  • ROIC
    Q1'26: +4.6% (vs Q1'25)
  • Share dilution
    +8.7% Q1'26: +11.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 18.42× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.94) × ERP
WACC = 42% × Ke + 58% × Kd (18.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 4.01 Current price: 1.33
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2011
actual
Dec 2012
actual
Dec 2013
actual
Dec 2014
actual
Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
6 Rev. Ana.
1 EPS Ana.
Dec 2027
6 Rev. Ana.
1 EPS Ana.
Dec 2028
2 Rev. Ana.
1 EPS Ana.
Dec 2029
5 Rev. Ana.
1 EPS Ana.
Dec 2030
3 Rev. Ana.
1 EPS Ana.
Revenue
34.26B
est: 21.03B (+62.9%)
20.46B
est: 18.72B (+9.3%)
32.25B
est: 18.82B (+71.4%)
24.85B
est: 18.93B (+31.2%)
23.65B
est: 24.04B (-1.6%)
24.38B
est: 20.47B (+19.1%)
23.72B
est: 20.85B (+13.7%)
21.58B
est: 20.84B (+3.6%)
18.11B
est: 21.25B (-14.8%)
18.69B
est: 16.72B (+11.8%)
18.71B
est: 18.84B (-0.7%)
20.77B
est: 20.31B (+2.3%)
33.95B
est: 21.39B (+58.8%)
37.61B
est: 17.71B (+112.4%)
63.77B
est: 18.95B (+236.6%)
21.19B
21.07B – 21.29B
+11.9% YoY
22.87B
22.62B – 23.09B
+7.9% YoY
24.20B
23.99B – 24.37B
+5.8% YoY
25.27B
25.06B – 25.46B
+4.4% YoY
26.39B
26.17B – 26.59B
+4.4% YoY
EBITDA
-1.58B
est: 16.60B (-109.5%)
est: 10.84B (-100.0%)
2.36B
est: 16.01B (-85.3%)
3.70B
est: 16.18B (-77.2%)
3.76B
est: 11.78B (-68.1%)
6.27B
est: 9.78B (-35.9%)
8.00B
est: 14.63B (-45.4%)
8.37B
est: 12.87B (-35.0%)
est: 10.82B (-100.0%)
3.96B
est: 11.45B (-65.4%)
9.73B
est: 11.66B (-16.6%)
7.18B
est: 11.94B (-39.9%)
10.41B
est: 11.90B (-12.6%)
9.40B
est: 12.11B (-22.4%)
8.77B
est: 5.91B (+48.4%)
6.61B
6.57B – 6.64B
+11.9% YoY
7.13B
7.05B – 7.20B
+7.9% YoY
7.55B
7.48B – 7.60B
+5.8% YoY
7.88B
7.81B – 7.94B
+4.4% YoY
8.23B
8.16B – 8.29B
+4.4% YoY
EBIT
-3.75B
est: 239.86M (-1,663.8%)
-2.13B
est: -3.15B (+32.6%)
415.00M
est: -572.89M (+172.4%)
1.76B
est: 416.02M (+323.5%)
1.64B
est: 1.71B (-3.7%)
3.89B
est: 1.61B (+140.9%)
5.63B
est: 4.47B (+25.7%)
5.96B
est: 5.37B (+11.1%)
-2.66B
est: 5.75B (-146.3%)
1.23B
est: 3.69B (-66.7%)
6.90B
est: 3.75B (+83.9%)
4.78B
est: 3.84B (+24.4%)
7.50B
est: 3.83B (+95.9%)
5.97B
est: 3.90B (+53.2%)
6.67B
est: 4.11B (+62.4%)
4.59B
4.57B – 4.61B
+11.9% YoY
4.96B
4.90B – 5.00B
+7.9% YoY
5.24B
5.20B – 5.28B
+5.8% YoY
5.48B
5.43B – 5.52B
+4.4% YoY
5.72B
5.67B – 5.76B
+4.4% YoY
Net Income
-2.96B
est: -273.15M (-984.8%)
-1.47B
est: -2.48B (+40.7%)
-838.00M
est: -1.43B (+41.6%)
1.41B
est: -840.07M (+268.1%)
860.00M
est: 1.37B (-37.1%)
2.06B
est: 844.33M (+144.3%)
3.91B
est: 2.55B (+53.5%)
4.41B
est: 3.62B (+21.7%)
2.93B
est: 4.25B (-31.2%)
1.32B
est: 2.45B (-46.3%)
5.78B
est: 2.50B (+131.5%)
3.83B
est: 2.56B (+49.6%)
5.46B
est: 2.55B (+114.1%)
4.42B
est: 4.73B (-6.5%)
4.66B
est: 5.12B (-9.1%)
7.08B
7.00B – 7.15B
+38.2% YoY
8.48B
8.39B – 8.56B
+19.8% YoY
9.78B
9.67B – 9.87B
+15.3% YoY
10.53B
10.41B – 10.63B
+7.6% YoY
10.73B
10.61B – 10.83B
+1.9% YoY
SGA
974.00M
est: 256.12M (+280.3%)
864.00M
est: 227.97M (+279.0%)
738.00M
est: 229.13M (+222.1%)
817.00M
est: 230.57M (+254.3%)
515.00M
est: 292.80M (+75.9%)
463.00M
est: 249.24M (+85.8%)
536.00M
est: 253.91M (+111.1%)
484.00M
est: 253.81M (+90.7%)
396.00M
est: 258.71M (+53.1%)
376.00M
est: 203.60M (+84.7%)
371.00M
est: 229.42M (+61.7%)
435.00M
est: 247.36M (+75.9%)
est: 260.43M (-100.0%)
est: 433.91M (-100.0%)
5.21B
est: 464.30M (+1,022.8%)
519.37M
516.34M – 521.81M
+11.9% YoY
560.55M
554.26M – 565.90M
+7.9% YoY
592.95M
587.84M – 597.22M
+5.8% YoY
619.32M
613.98M – 623.79M
+4.4% YoY
646.81M
641.24M – 651.48M
+4.4% YoY
EPS
-0.04
est: 0.02 (-307.2%)
-0.02
est: 0.02 (-196.7%)
-0.01
est: 0.04 (-127.5%)
0.01
est: 0.06 (-78.5%)
0.01
est: 0.11 (-94.8%)
0.02
est: 0.08 (-70.2%)
0.04
est: 0.08 (-46.7%)
0.05
est: 0.08 (-41.2%)
0.03
est: 0.08 (-63.3%)
0.01
est: 0.02 (-19.7%)
0.08
est: 0.10 (-21.2%)
0.05
est: 0.08 (-38.8%)
0.08
est: 0.09 (-13.7%)
0.06
est: 0.07 (-8.8%)
0.07
est: 0.07 (-6.1%)
0.10
0.10 – 0.10
+38.2% YoY
0.12
0.12 – 0.12
+19.8% YoY
0.14
0.14 – 0.14
+15.3% YoY
0.15
0.15 – 0.15
+7.6% YoY
0.16
0.15 – 0.16
+1.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-05-08 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-05-07 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-05-06 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-05-05 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-05-04 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-04-30 B 3/5 5/5 3/5 3/5 1/5 2/5 2/5
2026-04-29 B 3/5 5/5 4/5 3/5 1/5 2/5 2/5
2026-04-28 B 3/5 5/5 4/5 3/5 1/5 2/5 2/5
2026-04-27 B 3/5 5/5 4/5 3/5 1/5 2/5 2/5
2026-04-24 B 3/5 5/5 4/5 3/5 1/5 2/5 2/5
2026-04-23 B+ 3/5 5/5 4/5 4/5 1/5 2/5 2/5
2026-04-22 B+ 3/5 5/5 4/5 4/5 1/5 2/5 2/5
2026-04-21 B+ 3/5 5/5 4/5 4/5 1/5 2/5 2/5
2026-04-20 B+ 3/5 5/5 4/5 4/5 1/5 2/5 2/5
2026-04-17 B+ 3/5 5/5 4/5 4/5 1/5 2/5 2/5
2026-04-16 B+ 3/5 5/5 4/5 4/5 1/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
254.96M
OE per share TTM
0.00
Owner's Yield
0.33%
Maintenance CapEx ratio
5.71%
Maint CapEx / Avg PPE
25.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 6 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 TD International Equity Index ETF TPE.TO 0.39% 15.14M 0.19%
2 Fidelity All-International Equity ETF FCIN.NE 0.22% 1.55M 0.50%
3 TD Q Global Multifactor ETF TQGM.TO 0.06% 561.1K 0.45%
4 Fidelity All-in-One Growth ETF FGRO.NE 0.04% 1.56M 0.42%
5 Fidelity All-in-One Balanced ETF FBAL.NE 0.03% 2.11M 0.41%
6 Fidelity All-in-One Conservative ETF FCNS.NE 0.02% 331.5K 0.40%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
108.9K
Shares Outstanding
58.39B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Charles Alan Nunn Group Chief Executive & Executive Director 4M male
William Leon David Chalmers Group Chief Financial Officer & Executive Director 2M male
Chris Sood-Nicholls Head of Global Services & MD male
Matt Smith Head of Media Relations
Carla A. S. Antunes Da Silva Director of Group Strategy, Corporate Development & Investor Relations female
Ron van Kemenade Group Chief Operating Officer male
Sharon Doherty Chief People & Places Officer female
Suresh Balaji Chief Marketing Officer male
Peter Fitzgerald Chief Investment Officer male
Catherine Lucy Cheetham Chief Legal Officer & Company Secretary female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits