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Lloyds Banking Group plc 9.25% NON-CUM IRR PRF SHS GBP0.25 (LLOBF)

USD2.00 -0.14 (-6.54%)
GB OTC Financial Services Banks - Regional
Address 25 Gresham Street EC2V 7HN
London, GB
CEO Charles Alan Nunn
IPO 2013-07-17
CIK 1160106 ISIN GB00B3KS9W93

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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

Operating from its UK base, Lloyds functions as a leading retail and commercial bank. Its operations are segmented into three principal divisions: retail, commercial banking, and an insurance and wealth management arm. Within its retail segment, Lloyds primarily extends mortgages, accounting for a substantial 66% of its total loan portfolio, alongside providing credit cards and current accounts to its consumer base. The commercial banking division supports major corporations and financial institutions across the UK, offering credit facilities, transaction banking, working capital solutions, and debt capital market advisory services. Rounding out its comprehensive product array, the insurance and wealth segment delivers life and property protection, pension solutions, and tailored asset management for high-net-worth individuals.

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
USD2.00 -0.14 (-6.54%)
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Volume Profile
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Liquidity & share structure
Average Volume
129
Beta
0.15
Float Shares
29.77B
Free Float %
98.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% -6.54% -6.10% -7.41% -4.76% +14.29% -11.11% +68.07% -8.68% -99.89%
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

Price Targets & DCF
Current price
2.00
DCF (Unlevered) 8.05 +302.6%
DCF (Levered) 10.37 +418.3%

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
0.10
Distress
Piotroski F-Score
3 / 9
Average
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: +23.2% (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 (0.25) × ERP
WACC = 56% × Ke + 44% × Kd (18.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 8.05 Current price: 2.00
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 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
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Dec 2029
1 Rev. Ana.
1 EPS Ana.
Dec 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
24.38B
est: 17.58B (+38.7%)
23.72B
est: 18.87B (+25.7%)
21.58B
est: 18.79B (+14.8%)
24.79B
est: 18.58B (+33.5%)
18.69B
est: 15.03B (+24.4%)
18.71B
est: 15.87B (+17.9%)
20.77B
est: 17.72B (+17.2%)
18.41B
est: 18.68B (-1.4%)
37.61B
est: 17.70B (+112.5%)
63.71B
est: 18.93B (+236.6%)
21.38B
21.38B – 21.38B
+12.9% YoY
23.09B
23.09B – 23.09B
+8.0% YoY
24.42B
24.42B – 24.42B
+5.8% YoY
25.48B
25.48B – 25.48B
+4.3% YoY
26.61B
26.61B – 26.61B
+4.4% YoY
EBITDA
6.27B
est: 6.39B (-2.0%)
8.00B
est: 6.86B (+16.5%)
8.37B
est: 6.83B (+22.4%)
7.05B
est: 6.75B (+4.4%)
3.96B
est: 5.46B (-27.6%)
9.73B
est: 5.77B (+68.5%)
7.18B
est: 6.44B (+11.4%)
10.41B
est: 6.79B (+53.2%)
9.40B
est: 6.44B (+46.0%)
8.76B
est: 6.88B (+27.3%)
7.77B
7.77B – 7.77B
+12.9% YoY
8.39B
8.39B – 8.39B
+8.0% YoY
8.88B
8.88B – 8.88B
+5.8% YoY
9.27B
9.27B – 9.27B
+4.3% YoY
9.68B
9.68B – 9.68B
+4.4% YoY
EBIT
3.89B
est: 4.47B (-12.9%)
5.63B
est: 4.79B (+17.4%)
5.96B
est: 4.77B (+24.9%)
4.39B
est: 4.72B (-6.9%)
1.23B
est: 3.82B (-67.9%)
6.90B
est: 4.03B (+71.2%)
4.78B
est: 4.50B (+6.2%)
7.50B
est: 4.74B (+58.2%)
5.97B
est: 4.49B (+32.8%)
6.66B
est: 4.81B (+38.5%)
5.43B
5.43B – 5.43B
+12.9% YoY
5.86B
5.86B – 5.86B
+8.0% YoY
6.20B
6.20B – 6.20B
+5.8% YoY
6.47B
6.47B – 6.47B
+4.3% YoY
6.76B
6.76B – 6.76B
+4.4% YoY
Net Income
2.06B
est: 7.07B (-70.8%)
3.91B
est: 7.99B (-51.0%)
4.41B
est: 7.65B (-42.4%)
2.93B
est: 7.64B (-61.7%)
1.32B
est: 1.51B (-12.7%)
5.78B
est: 8.78B (-34.1%)
3.83B
est: 6.90B (-44.6%)
5.46B
est: 7.82B (-30.1%)
4.42B
est: 6.95B (-36.4%)
4.66B
est: 8.10B (-42.5%)
11.09B
11.09B – 11.09B
+36.8% YoY
13.25B
13.25B – 13.25B
+19.5% YoY
15.30B
15.30B – 15.30B
+15.5% YoY
16.44B
16.44B – 16.44B
+7.5% YoY
16.76B
16.76B – 16.76B
+1.9% YoY
SGA
463.00M
est: 1.84B (-74.8%)
536.00M
est: 1.97B (-72.8%)
484.00M
est: 1.96B (-75.3%)
396.00M
est: 1.94B (-79.6%)
376.00M
est: 1.57B (-76.0%)
371.00M
est: 1.66B (-77.6%)
435.00M
est: 1.85B (-76.5%)
7.36B
est: 1.95B (+277.2%)
est: 1.85B (-100.0%)
5.21B
est: 1.98B (+163.4%)
2.23B
2.23B – 2.23B
+12.9% YoY
2.41B
2.41B – 2.41B
+8.0% YoY
2.55B
2.55B – 2.55B
+5.8% YoY
2.66B
2.66B – 2.66B
+4.3% YoY
2.78B
2.78B – 2.78B
+4.4% YoY
EPS
0.03
est: 0.09 (-66.9%)
0.04
est: 0.10 (-55.6%)
0.06
est: 0.10 (-42.1%)
0.04
est: 0.09 (-63.1%)
0.01
est: 0.02 (-34.3%)
0.08
est: 0.11 (-30.7%)
0.05
est: 0.09 (-42.6%)
0.08
est: 0.10 (-21.8%)
0.06
est: 0.09 (-36.3%)
0.07
est: 0.10 (-30.2%)
0.14
0.14 – 0.14
+36.8% YoY
0.16
0.16 – 0.16
+19.5% YoY
0.19
0.19 – 0.19
+15.5% YoY
0.20
0.20 – 0.20
+7.5% YoY
0.21
0.21 – 0.21
+1.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-21 B- 2/5 5/5 3/5 3/5 1/5 1/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.42B
OE per share TTM
0.02
Owner's Yield
0.91%
Maintenance CapEx ratio
5.96%
Maint CapEx / Avg PPE
26.6%

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

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

Executive team data is not available for this company yet.

EBIT / Employee
108.8K
Shares Outstanding
30.38B

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
ESG Rating
B
BANKS - REGIONAL
Rank: 394 out of 431
2026
E (Environmental)
40.2 / 64.3
Company / Sector avg.
S (Social)
19.8 / 76.5
Company / Sector avg.
G (Governance)
43.0 / 75.5
Company / Sector avg.
ESG Total
34.3 / 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

No House trading activity found for this company.

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

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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