LLOY logo

Lloyds Banking Group
LLOY

Last Price

Financial Snapshot

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Market Data

Market Cap
£57.75B
EV
-
Shares Outstanding
59.25B
Beta
1.00
Industry
Banks - Regional

Wall Street View

Analyst Rating
OUTPERFORM
Analyst Target Price
Number of Analysts
18
P/E 2025E
12.90x
P/B 2025E
1.42x

Historical 3Y Growth Rate

Revenue
EBIT
EPS
BVPS

Forecasted 3Y Growth Rate

Revenue
EBIT
EPS
BVPS

Margins & Returns

Ebit Margin 2025E
38.91%
Net Profit Margin 2025E
20.87%
ROE 2025E
11.28%
ROA 2025E
0.47%

Dividends

DPS 2025E
£0.04
Payout Ratio 2025E
50.00%
Div. Yield 2025E
3.67%
DPS Last 3Y CAGR

Price Dynamic

Price

%

1M

3M

6M

1Y

3Y

5Y

Peers

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About Lloyds Banking Group plc

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LLOY logo

Lloyds Banking Group plc

LLOY

Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services in the United Kingdom and internationally. The company operates through three segments: Retail; Commercial Banking; and Insurance, Pensions and In...

Sector

Financial Services

Industry

Banks - Regional

CEO

Nunn, Charles

Employees

61,228

IPO Date

1995-12-28

Headquarters

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

📊 Stock Price & Performance

The last closing price of Lloyds Banking Group (LLOY) is £0.98, reflecting a +0.12% change from the prior session. Last updated: December 31, 2025 at 7:30 AM Eastern Time

Review the recent LLOY stock performance trends:Past 1 Month: Lloyds Banking Group (LLOY) shares have +2.18%.Past 3 Months: The stock has +17.20%.Past 6 Months: LLOY shares have +28.08%. Last updated: December 31, 2025 at 11:49 PM Eastern Time

Over the last year, Lloyds Banking Group (LLOY) has established a 52-week price range between a high of £0.99 and a low of £0.52. This metric is essential for assessing the stock's annual volatility. Last updated: December 31, 2025 at 11:49 PM Eastern Time

Lloyds Banking Group (LLOY) is considered a medium volatility stock. It has a beta of 1.00, which means it typically moves 1.00 times as much as the broader market. Over the past 52 weeks, LLOY has traded within a £0.52 – £0.99 range. Last updated: December 31, 2025 at 11:49 PM Eastern Time

Based on current LLOY analyst forecasts and market assumptions, the consensus price target for Lloyds Banking Group (LLOY) is £0.96 for 2027. Relative to the current price of £0.98, this implies a potential downside of -2.05%. Price targets reflect forward-looking estimates based on information available at the time and are inherently subject to change as underlying assumptions, company fundamentals, or market conditions evolve. Last updated: December 31, 2025 at 11:49 PM Eastern Time

A £1,000 investment in Lloyds Banking Group 5 years ago, when the stock was trading around £0.36, would be worth approximately £2696.07 today, based solely on share price performance (excluding dividends). This represents a total return of 169.61% over the period, equivalent to a compound annual growth rate (CAGR) of 21.94%. Past performance reflects historical price movements only and does not imply future results. Last updated: December 31, 2025 at 11:49 PM Eastern Time

💰 Financial Metrics & Reports

The current Lloyds Banking Group (LLOY) market capitalization is approximately £57.75B, based on its latest share price and shares outstanding. Market capitalization represents the total market value of a company's equity and is calculated by multiplying the current stock price by the number of shares outstanding. As a result, Lloyds Banking Group's market cap fluctuates with changes in its share price and share count. Last updated: December 31, 2025 at 11:49 PM Eastern Time

In the most recently reported quarter, Lloyds Banking Group (LLOY) generated £5.01B in revenue, representing a +7.45% year over year change. For the next quarter, analyst consensus currently expects revenue of approximately £5.11B, implying an expected +8.59% year over year change. Quarterly revenue results and expectations reflect underlying demand trends, pricing dynamics, product or service mix, seasonality, and broader macroeconomic conditions. Actual results may differ from consensus estimates as new information becomes available. Last updated: January 1, 2026 at 2:45 AM Eastern Time

In the most recently reported fiscal year, Lloyds Banking Group (LLOY) generated net income of £4.42B, compared with £5.46B in the prior fiscal year, representing a -19.03% year over year change. For the upcoming fiscal year, analyst consensus currently estimates net income of £4.11B. Net income may be positive or negative and can fluctuate materially from year to year due to changes in operating performance, non-recurring or one-time items, accounting treatments, capital structure, and broader macroeconomic conditions. Last updated: January 1, 2026 at 2:45 AM Eastern Time

Based on the latest available data, Lloyds Banking Group (LLOY) is currently trading at a last twelve months (LTM) P/E ratio of 15.47x. Looking forward, the stock trades at a next twelve months (NTM) P/E ratio of 9.85x, based on consensus earnings estimates. The P/E ratio reflects how much investors are willing to pay today for a dollar of earnings and can vary meaningfully over time due to changes in profitability, growth expectations, margin outlook, and earnings volatility. Last updated: January 1, 2026 at 2:45 AM Eastern Time

📅 Earnings & Dividends

Lloyds Banking Group (LLOY) is currently scheduled to report its next earnings results on February 17, 2026. Earnings dates are subject to change and may be updated by the company with limited notice. Investors typically monitor upcoming earnings releases closely, as they can result in increased volatility depending on reported results, forward guidance, and management commentary. Last updated: December 31, 2025 at 11:49 PM Eastern Time

In the most recently reported quarter, Lloyds Banking Group (LLOY) revenue was £5.01B, compared with analyst consensus expectations of £5.00B, representing a +0.19% revenue surprise versus expectations. Earnings per share (EPS) for the quarter were £0.01, compared with consensus estimates of £0.02, resulting in an -43.80% EPS surprise. Revenue and EPS surprises may be positive or negative and can influence near-term stock performance depending on expectations, forward guidance, and broader market and sector conditions. For a detailed history of analyst expectations versus reported results, view the full estimates vs. actuals track record here: 👉 Estimates vs. Actuals Last updated: January 1, 2026 at 2:45 AM Eastern Time

📈 Analyst Information

Analyst assessments of whether Lloyds Banking Group (LLOY) consensus price target is overvalued or undervalued are generally expressed relative to consensus valuation frameworks and price targets, rather than as an absolute judgment.Current share price: £0.98Consensus price target: £0.96Implied return: -2.05% An implied return above current levels indicates that, on average, analysts view the stock as trading below their estimated fair value. Conversely, an implied return below current levels suggests the stock may be fully valued or priced above consensus expectations. This content is for informational purposes only and does not constitute investment advice. Last updated: January 1, 2026 at 2:45 AM Eastern Time

Based on the latest available analyst coverage, Lloyds Banking Group (LLOY) currently carries a Outperform consensus rating. Analysts' average LLOY price target is £0.96. Relative to the current share price of £0.98, this suggests a potential price change of approximately -2.05%. Analyst views are forward-looking estimates and should not be considered investment advice. Last updated: January 1, 2026 at 2:45 AM Eastern Time

Like other publicly traded stocks, Lloyds Banking Group (LLOY) shares are bought and sold on stock exchanges such as LSE and other supported markets, depending on the listing. The most common way to buy shares is through an online brokerage account. To get started, you typically need to: Open an account with a licensed stock brokerComplete the broker's verification processFund your accountPlace a buy order for Lloyds Banking Group (LLOY) shares Trading involves risk, and investors should consider their financial objectives and risk tolerance before investing.

ℹ️ Company Information

At the top right of this page, you'll see a star icon labeled Add to watchlist. Click it to add LLOY to your watchlist.

Lloyds Banking Group trades under the ticker symbol LLOY on the LSE stock exchange. The ticker LLOY is used to identify the company's common stock across trading platforms, market data providers, and regulatory filings.

As of the most recently reported period, Lloyds Banking Group (LLOY) employs approximately 61,228 people worldwide. Reported employee figures may fluctuate over time due to hiring activity, restructuring, automation initiatives, or changes in business strategy. Headcount data is typically disclosed in company filings and reflects full-time employees unless otherwise stated. Last updated: December 31, 2025 at 11:49 PM Eastern Time

Lloyds Banking Group (LLOY) operates in a highly competitive market with companies that often have different business models, geographic exposure, and end markets. While no two companies are identical, the following firms are generally considered the closest Lloyds Banking Group (LLOY) stock peers based on overlapping products, services, and competitive dynamics:NatWest Group (NWG)Standard Chartered (STAN)Barclays (BARC)UniCredit (UCG)Société Générale (GLE)Intesa Sanpaolo (ISP)Crédit Agricole (ACA)HSBC Holdings (HSBA)BNP Paribas (BNP)Banco Bilbao Vizcaya Argentaria (BBVA) These peers may differ in size, business mix, financial profile, and strategic focus, but they are commonly referenced due to overlapping markets, customer segments, or competitive positioning relative to Lloyds Banking Group.

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Market data is sourced from S&P Global Market Intelligence. All insights and analysis are developed by Gainify. Copyright © 2026, S&P Global Market Intelligence. All rights reserved.

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