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Lloyds Banking Group plc (LLDTF)

USD1.55 +0.06 (+3.68%)
GB OTC Financial Services Banks - Regional
Address 25 Gresham Street EC2V 7HN
London, GB
CEO Charles Alan Nunn
IPO 2010-04-26
CIK 1160106 ISIN GB0008706128

Explore sections of this company profile

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

Lloyds Banking Group plc, along with its various subsidiaries, serves as a significant financial services provider throughout the United Kingdom. Its operations are strategically organized into three core divisions: Retail; Commercial Banking; and Insurance and Wealth. The Retail segment caters to individual customers and small enterprises, providing a comprehensive array of financial products. These include checking and savings accounts, home mortgages, motor vehicle financing, personal unsecured loans, leasing arrangements, and credit cards. Its Commercial Banking division supports small and medium-sized businesses, large corporations, and financial institutions by supplying essential services such as credit facilities, transactional banking, working capital optimization, risk mitigation, and access to both debt financing and capital markets. The Insurance and Wealth segment specializes in delivering insurance products, investment vehicles, and wealth management services. The company also offers advanced digital banking capabilities to its clientele. Lloyds Banking Group distributes its various offerings through several well-known brands, including Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows. This long-established organization, founded in 1695, maintains its headquarters in London, United Kingdom.

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
USD1.55 +0.06 (+3.68%)
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Volume Profile
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Liquidity & share structure
Average Volume
44.1K
Beta
0.92
Float Shares
56.21B
Free Float %
96.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +2.99% +2.22% +2.99% +20.00% +4.55% +43.75% +134.88% +109.09% +31.43% -80.83%
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
1.55
DCF (Unlevered) 6.02 +288.4%
DCF (Levered) 7.70 +396.7%

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.

Ratings Trend (MoM) 100% Bullish
Rating 2024-11 Change
Strong Buy 0 0
Buy 1 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.11
Distress
Piotroski F-Score
3 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +69.4% Q1'26: +10.7% (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
    +27.7% Q1'26: +28.3% (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 = 47% × Ke + 53% × Kd (18.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 6.02 Current price: 1.55
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 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.
6 EPS Ana.
Dec 2027
6 Rev. Ana.
6 EPS Ana.
Dec 2028
2 Rev. Ana.
7 EPS Ana.
Dec 2029
5 Rev. Ana.
6 EPS Ana.
Dec 2030
3 Rev. Ana.
6 EPS Ana.
Revenue
23.65B
est: 26.12B (-9.5%)
24.38B
est: 21.59B (+12.9%)
23.72B
est: 25.04B (-5.3%)
21.58B
est: 23.83B (-9.4%)
24.79B
est: 23.85B (+4.0%)
11.18B
est: 20.46B (-45.3%)
18.71B
est: 21.41B (-12.6%)
20.77B
est: 21.74B (-4.4%)
18.41B
est: 23.60B (-22.0%)
37.61B
est: 17.70B (+112.5%)
63.71B
est: 18.93B (+236.6%)
21.38B
21.25B – 21.48B
+12.9% YoY
23.09B
22.83B – 23.31B
+8.0% YoY
24.42B
24.21B – 24.60B
+5.8% YoY
25.48B
25.26B – 25.67B
+4.3% YoY
26.61B
26.38B – 26.80B
+4.4% YoY
EBITDA
3.76B
est: 8.78B (-57.2%)
6.27B
est: 7.26B (-13.6%)
8.00B
est: 8.42B (-5.0%)
8.37B
est: 8.01B (+4.5%)
7.05B
est: 8.02B (-12.0%)
est: 6.88B (-100.0%)
9.73B
est: 7.20B (+35.1%)
7.18B
est: 7.31B (-1.8%)
10.41B
est: 7.93B (+31.2%)
9.40B
est: 6.44B (+46.0%)
8.76B
est: 6.88B (+27.3%)
7.77B
7.73B – 7.81B
+12.9% YoY
8.39B
8.30B – 8.47B
+8.0% YoY
8.88B
8.80B – 8.94B
+5.8% YoY
9.27B
9.19B – 9.33B
+4.3% YoY
9.68B
9.59B – 9.75B
+4.4% YoY
EBIT
1.64B
est: 4.81B (-65.8%)
3.89B
est: 3.98B (-2.2%)
5.63B
est: 4.61B (+22.0%)
5.96B
est: 4.39B (+35.8%)
4.39B
est: 4.39B (+0.0%)
-2.73B
est: 3.77B (-172.5%)
6.90B
est: 3.94B (+75.0%)
4.78B
est: 4.00B (+19.4%)
7.50B
est: 4.35B (+72.6%)
5.97B
est: 4.49B (+32.8%)
6.66B
est: 4.81B (+38.5%)
5.43B
5.40B – 5.45B
+12.9% YoY
5.86B
5.80B – 5.92B
+8.0% YoY
6.20B
6.15B – 6.25B
+5.8% YoY
6.47B
6.42B – 6.52B
+4.3% YoY
6.76B
6.70B – 6.81B
+4.4% YoY
Net Income
860.00M
est: 5.22B (-83.5%)
2.06B
est: 4.51B (-54.2%)
3.91B
est: 4.71B (-17.1%)
4.41B
est: 4.46B (-1.2%)
2.93B
est: 4.66B (-37.2%)
1.32B
est: 867.92M (+51.9%)
5.78B
est: 5.09B (+13.5%)
3.83B
est: 4.41B (-13.2%)
5.46B
est: 4.84B (+12.7%)
4.42B
est: 5.56B (-20.4%)
4.66B
est: 6.01B (-22.5%)
8.41B
8.31B – 8.49B
+39.8% YoY
10.05B
9.93B – 10.14B
+19.5% YoY
11.60B
11.47B – 11.71B
+15.5% YoY
12.47B
12.33B – 12.59B
+7.5% YoY
12.71B
12.56B – 12.83B
+1.9% YoY
SGA
515.00M
est: 2.48B (-79.2%)
463.00M
est: 2.05B (-77.4%)
536.00M
est: 2.37B (-77.4%)
484.00M
est: 2.26B (-78.6%)
396.00M
est: 2.26B (-82.5%)
376.00M
est: 1.94B (-80.6%)
371.00M
est: 2.03B (-81.7%)
435.00M
est: 2.06B (-78.9%)
7.36B
est: 2.24B (+228.8%)
est: 1.85B (-100.0%)
5.21B
est: 1.98B (+163.4%)
2.23B
2.22B – 2.24B
+12.9% YoY
2.41B
2.38B – 2.43B
+8.0% YoY
2.55B
2.53B – 2.57B
+5.8% YoY
2.66B
2.64B – 2.68B
+4.3% YoY
2.78B
2.76B – 2.80B
+4.4% YoY
EPS
0.01
est: 0.08 (-90.3%)
0.03
est: 0.07 (-59.4%)
0.04
est: 0.07 (-41.1%)
0.06
est: 0.07 (-15.0%)
0.03
est: 0.07 (-52.9%)
0.01
est: 0.01 (-10.6%)
0.08
est: 0.08 (-6.5%)
0.05
est: 0.07 (-29.6%)
0.07
est: 0.08 (-11.7%)
0.06
est: 0.07 (-8.7%)
0.07
est: 0.07 (-6.0%)
0.10
0.10 – 0.11
+39.8% YoY
0.12
0.12 – 0.13
+19.5% YoY
0.14
0.14 – 0.15
+15.5% YoY
0.15
0.15 – 0.16
+7.5% YoY
0.16
0.16 – 0.16
+1.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-22 B- 2/5 3/5 3/5 3/5 1/5 2/5 2/5
2026-05-21 B- 2/5 3/5 3/5 3/5 1/5 2/5 2/5
2026-05-20 B- 2/5 3/5 3/5 3/5 1/5 2/5 2/5
2026-05-19 B- 2/5 3/5 3/5 3/5 1/5 2/5 2/5
2026-05-18 B- 2/5 3/5 3/5 3/5 1/5 2/5 2/5
2026-05-14 B- 2/5 3/5 3/5 3/5 1/5 2/5 2/5
2026-05-13 B- 2/5 3/5 3/5 3/5 1/5 2/5 2/5
2026-05-11 B- 2/5 3/5 3/5 3/5 1/5 2/5 2/5
2026-05-04 B- 2/5 3/5 3/5 3/5 1/5 2/5 2/5
2026-05-01 B- 2/5 3/5 3/5 3/5 1/5 2/5 2/5
2026-04-30 B- 2/5 3/5 3/5 3/5 1/5 2/5 2/5
2026-04-29 B- 3/5 3/5 4/5 3/5 1/5 2/5 2/5
2026-04-28 B- 3/5 3/5 4/5 3/5 1/5 2/5 2/5
2026-04-24 B- 3/5 3/5 4/5 3/5 1/5 2/5 2/5
2026-04-23 B 3/5 3/5 4/5 4/5 1/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
309.62M
OE per share TTM
0.01
Owner's Yield
0.29%
Maintenance CapEx ratio
5.03%
Maint CapEx / Avg PPE
22.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
2
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 BlackRock, Inc. 4.85B 6.80% 4.43B 2.49M 4.85B 2.49M HC Delaware 2016-02-10
2 Lloyds Banking Group plc 47.70M 3.98% 47.70M 47.70M HC United Kingdom 2013-02-06

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

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
108.8K
Shares Outstanding
58.13B

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
Filing date Form type Filing
2026-05-29 6-K
2026-05-29 6-K
2026-05-29 6-K
2026-05-28 6-K
2026-05-27 6-K
2026-05-26 6-K
2026-05-26 6-K
2026-05-26 6-K
2026-05-22 6-K
2026-05-22 6-K

Executive team

NameTitleCompensationGender
Charles Alan Nunn Group Chief Executive & Executive Director 4M male
William Leon David Chalmers Group Chief Financial Officer & Executive Director 3M 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 Rating
B
BANKS - REGIONAL
2026
E (Environmental)
54.1 / 64.3
Company / Sector avg.
S (Social)
56.3 / 76.5
Company / Sector avg.
G (Governance)
53.5 / 75.5
Company / Sector avg.
ESG Total
54.6 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity
Transaction Date Disclosed Representative District Owner Type Amount Link
2019-04-16 2019-05-15 Mikie Sherrill NJ11 Purchase $1,001 - $15,000
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits