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Lloyds Banking Group plc (LLOY.L)
London, GB
Lloyds Banking Group plc, a long-standing financial institution founded in 1695 and headquartered in London, UK, operates as a leading provider of banking and financial services throughout the United Kingdom. Its operations are strategically structured into three core divisions: Retail, Commercial Banking, and Insurance and Wealth. The Retail segment is dedicated to serving individual customers and small enterprises, offering a comprehensive array of financial instruments such as checking and savings accounts, home loans, vehicle finance, unsecured personal credit, asset leasing options, and credit cards. For small and medium-sized businesses, larger corporate clients, and financial institutions, the Commercial Banking division provides specialized services. These include credit facilities, transactional banking, working capital optimisation, risk management advisory, and both direct and capital market debt funding solutions. The Insurance and Wealth segment focuses on delivering insurance policies, investment products, and comprehensive wealth management services. Furthermore, the group extends its reach by providing advanced digital banking platforms. The company markets its diverse portfolio of products and services under several well-known brands, including Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.45% | +0.30% | +2.62% | -12.75% | +9.89% | +0.00% | +37.17% | +113.66% | +118.12% | +49.78% | -25.01% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 4 | 0 |
| Buy | 9 | 0 |
| Hold | 5 | -1 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+8.9% Q1'26: +10.4% (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: +7.2% (vs Q1'25)
-
Share dilution-5.2% Q1'26: -3.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 12.44× (vs Q1'25)
* 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.
| 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 7 Rev. Ana. 13 EPS Ana. |
Dec 2027 7 Rev. Ana. 12 EPS Ana. |
Dec 2028 4 Rev. Ana. 7 EPS Ana. |
Dec 2029 3 Rev. Ana. 10 EPS Ana. |
Dec 2030 6 Rev. Ana. 5 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
34.26B
est: 21.03B (+62.9%)
|
36.29B
est: 18.72B (+93.8%)
|
32.25B
est: 18.82B (+71.4%)
|
24.85B
est: 18.93B (+31.2%)
|
23.65B
est: 17.72B (+33.5%)
|
24.38B
est: 17.47B (+39.6%)
|
23.72B
est: 18.51B (+28.1%)
|
21.58B
est: 18.71B (+15.4%)
|
24.79B
est: 18.00B (+37.7%)
|
18.69B
est: 14.97B (+24.9%)
|
18.71B
est: 15.84B (+18.1%)
|
20.77B
est: 17.98B (+15.6%)
|
33.95B
est: 18.55B (+83.1%)
|
37.61B
est: 17.70B (+112.5%)
|
40.96B
est: 18.93B (+116.3%)
|
20.93B
20.81B – 21.03B
+10.5% YoY
|
22.54B
22.29B – 22.76B
+7.7% YoY
|
23.80B
23.59B – 23.97B
+5.6% YoY
|
25.04B
24.82B – 25.22B
+5.2% YoY
|
26.15B
25.92B – 26.34B
+4.4% YoY
|
| EBITDA |
-1.58B
est: 16.60B (-109.5%)
|
1.52B
est: 10.84B (-86.0%)
|
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%)
|
7.05B
est: 10.82B (-34.8%)
|
3.96B
est: 11.45B (-65.4%)
|
9.73B
est: 11.66B (-16.6%)
|
7.18B
est: 11.94B (-39.9%)
|
10.41B
est: 5.88B (+77.1%)
|
9.40B
est: 12.11B (-22.4%)
|
6.66B
est: 6.00B (+11.0%)
|
6.63B
6.59B – 6.66B
+10.5% YoY
|
7.14B
7.06B – 7.21B
+7.7% YoY
|
7.54B
7.48B – 7.60B
+5.6% YoY
|
7.93B
7.87B – 7.99B
+5.2% YoY
|
8.29B
8.21B – 8.35B
+4.4% YoY
|
| EBIT |
-3.75B
est: 239.86M (-1,663.8%)
|
-606.00M
est: -3.15B (+80.8%)
|
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%)
|
4.39B
est: 5.75B (-23.6%)
|
1.23B
est: 3.69B (-66.7%)
|
6.90B
est: 3.75B (+83.9%)
|
4.78B
est: 3.84B (+24.4%)
|
7.50B
est: 4.23B (+77.2%)
|
5.97B
est: 3.90B (+53.2%)
|
6.66B
est: 4.32B (+54.1%)
|
4.78B
4.75B – 4.80B
+10.5% YoY
|
5.15B
5.09B – 5.20B
+7.7% YoY
|
5.43B
5.39B – 5.47B
+5.6% YoY
|
5.72B
5.67B – 5.76B
+5.2% YoY
|
5.97B
5.92B – 6.01B
+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: 4.23B (+28.9%)
|
4.42B
est: 4.12B (+7.3%)
|
4.20B
est: 4.39B (-4.5%)
|
5.51B
5.47B – 6.40B
+25.4% YoY
|
6.15B
6.10B – 8.10B
+11.6% YoY
|
8.43B
8.34B – 8.51B
+37.2% YoY
|
9.09B
8.99B – 9.18B
+7.8% YoY
|
9.27B
9.16B – 9.35B
+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: 215.80M (+138.6%)
|
463.00M
est: 212.75M (+117.6%)
|
536.00M
est: 225.39M (+137.8%)
|
484.00M
est: 227.81M (+112.5%)
|
396.00M
est: 219.22M (+80.6%)
|
376.00M
est: 182.24M (+106.3%)
|
371.00M
est: 192.91M (+92.3%)
|
435.00M
est: 218.90M (+98.7%)
|
—
est: 151.21M (-100.0%)
|
—
est: 144.35M (-100.0%)
|
—
est: 154.39M (-100.0%)
|
170.64M
169.65M – 171.45M
+10.5% YoY
|
183.82M
181.76M – 185.58M
+7.7% YoY
|
194.05M
192.38M – 195.45M
+5.6% YoY
|
204.15M
202.40M – 205.63M
+5.2% YoY
|
213.22M
211.38M – 214.76M
+4.4% YoY
|
| EPS |
-0.04
est: 0.02 (-274.3%)
|
-0.02
est: 0.03 (-179.8%)
|
-0.01
est: 0.05 (-122.4%)
|
0.02
est: 0.08 (-78.4%)
|
0.01
est: 0.08 (-90.4%)
|
0.03
est: 0.07 (-59.1%)
|
0.04
est: 0.07 (-40.0%)
|
0.06
est: 0.07 (-26.3%)
|
0.04
est: 0.07 (-51.1%)
|
0.01
est: 0.01 (-12.4%)
|
0.08
est: 0.08 (-6.3%)
|
0.05
est: 0.07 (-30.9%)
|
0.08
est: 0.07 (+7.1%)
|
0.06
est: 0.07 (-8.8%)
|
0.07
est: 0.07 (-6.0%)
|
0.10
0.09 – 0.11
+36.5% YoY
|
0.12
0.10 – 0.14
+20.0% YoY
|
0.14
0.14 – 0.14
+15.3% YoY
|
0.15
0.15 – 0.15
+7.8% YoY
|
0.16
0.15 – 0.16
+1.9% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-01 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-30 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-29 | B | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-28 | B | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-27 | B | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-24 | B | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-15 | A- | 4/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Charles Alan Nunn | Group Chief Executive & Executive Director | 3M | 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 |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for LLOY.L
Short-term intention
Target Price Distribution
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.
