7Baggers

Lloyds Banking Group plc
(NYSE:LYG) 

LYG stock logo

Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom and internationally. It operates through three segments: Retail; Commercial Banking; and Insurance and Wealth. The Retail segment offers a range of financial service pro...

Founded: 2009
Full Time Employees: 63,069
Sector: Financial Services
Industry: Banks-Regional
Financial ServicesRegional Bank
Share this website to your friends
• Market Cap:
• Exchange:
• Shs Outstanding:
• Employees:
• Beta:
• Return on Equity (ROE) ttm:
• Return on Assets (ROA) ttm:
• EPS ttm:
• Book value per Share:
• Cash per Share:
• Current ast per Share:
• P/E ttm:
• P/E forward:
• P/E ttm high:
• P/E ttm low:
• P/S ttm:
• P/B ttm:
• P/FCF ttm:
• PEG ratio:
• Cash Ratio ttm:
• Quick Ratio ttm:
• Current Ratio ttm:
• Gross Mgn ttm:
• EBITDA Mgn ttm:
• Operating Mgn ttm:
• Net Income Mgn ttm:
• Trailing Div yield:
• Forward Div yield:
• Payout Ratio ttm:
• Ex-Dividend date:
• Target Price High:
• Target Price Low:
• Target Price Mean:
• Number of Analysts:
• Debt Ratio ttm:
• Debt to Equity ttm:
• Total Net Debt:
At a glance:
Bull Thesis:
Bear Thesis:
Main Competitors:
Moat:
Income Statements:
Quarterly
Annual
    Unit: USD2025-07-24 2025-02-20 2023-07-26 2022-02-24 2021-06-30 
         
      interest income
    		15,367 31,288 13,048  7,574 
      interest expense
    		-8,889 -19,011 -6,250  -1,018 
      net interest income
    		6,478 12,277 6,798  6,556 
      fee and commission income
    		1,464 2,943 1,426  1,121 
      fee and commission expense
    		-608 -1,184 -539  -558 
      net fee and commission income
    		856 1,759 887  563 
      net trading income
    		608 17,825 6,161  -5,211 
      insurance revenue
    		1,867 3,291 1,450   
      insurance service expense
    		-1,409 -2,733 -1,238   
      net expense from reinsurance contracts held
    		-28     
      insurance service result
    		430 486 223   
      net investment return on assets held to back insurance and investment contracts1
    		5,316     
      net finance expense in respect of insurance and investment contracts1
    		-5,317     
      net investment return and finance result in respect of insurance and investment contracts
    		     
      other operating income
    		1,015 1,934 826  720 
      other income
    		2,908 22,004 8,097  316 
      total income
    		9,386 34,281 14,895  6,872 
      operating expenses
    		-5,440 -11,601 -4,774  -4,668 
      impairment
    		-442 -431 -662  -3,829 
      profit before tax
    		3,504 5,971 3,870  -602 
      tax expense
    		-960 -1,494 -1,006   
      profit after tax
    		2,544     
      profit attributable to ordinary shareholders
    		2,274 3,923 2,572  -234 
      profit attributable to other equity holders
    		245 498 255  234 
      profit attributable to equity holders
    		2,519 4,421 2,827   
      profit attributable to non-controlling interests
    		25 56 37  19 
      basic earnings per share
    		3.8 6.3 3.9 4 -0.3 
      diluted earnings per share
    		3.7 6.2 3.8 4 -0.3 
      net income from reinsurance contracts held
    		 -72    
      net finance income from insurance, participating investment and reinsurance contracts
    		 -10,341 -3,769   
      movement in third party interests in consolidated funds
    		 -1,059 -332   
      change in non-participating investment contracts
    		 -4,878 -1,488   
      net finance income in respect of insurance and investment contracts
    		 -16,278    
      total income, after net finance expense in respect of insurance and investment contracts
    		 18,003    
      profit for the year
    		 4,477  5,885  
      net income (losses) from reinsurance contracts held
    		  11   
      total income, after net finance income in respect of insurance and investment contracts
    		  9,306   
      profit for the period
    		  2,864  19 
      profit for the period
    		     
      other comprehensive income
    		     
      items that will not subsequently be reclassified to profit or loss:
    		     
      post-retirement defined benefit scheme remeasurements:
    		     
      remeasurements before tax
    		   1,720  
      tax
    		   -658  
      movements in revaluation reserve in respect of equity shares held at fair value through other comprehensive income:
    		     
      change in fair value
    		   61  
      gains and losses attributable to own credit risk:
    		     
      gains before tax
    		     
      items that may subsequently be reclassified to profit or loss:
    		     
      movements in revaluation reserve in respect of debt securities held at fair value through other comprehensive income:
    		     
      income statement transfers in respect of disposals
    		   2  
      income statement transfers in respect of impairment
    		     
      movements in cash flow hedging reserve:
    		     
      effective portion of changes in fair value taken to other comprehensive income
    		   -2,279  
      net income statement transfers
    		   -621  
      movements in foreign currency translation reserve:
    		     
      currency translation differences
    		   -39  
      transfers to income statement
    		     
      total other comprehensive loss for the period, net of tax
    		     
      total comprehensive income for the period
    		     
      total comprehensive income attributable to ordinary shareholders
    		   4,405  
      total comprehensive income attributable to other equity holders
    		   429  
      total comprehensive income attributable to equity holders
    		   4,834  
      total comprehensive income attributable to non-controlling interests
    		   101  
      common equity tier 1
    		   33,033  
      transitional tier 1
    		   38,363  
      transitional total capital
    		   46,336  
      total risk-weighted assets
    		   195,874  
      common equity tier 1 ratio
    		   16.9  
      transitional tier 1 ratio
    		   19.6  
      transitional total capital ratio
    		   23.7  
      uk leverage ratio exposure measure
    		   663,580  
      uk leverage ratio
    		   5.7  
      insurance premium income
    		    4,244 
      insurance claims
    		    1,023 
      total income, net of insurance claims
    		    7,895 
      impairment credit
    		     
      tax (expense) credit
    		   3 621 
      losses before tax
    		   -86  
      total other comprehensive income for the year, net of tax
    		   -950  
      total comprehensive income for the year
    		   4,935  
      note
    		     
      £m
    		     
      281
    		     
      41
    		     
      26
    		     
      other comprehensive income for the period, net of tax
    		     
      total comprehensive income for the period
    		     
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2025-07-24 2025-02-20 2024-07-25 2024-02-20 2023-06-30 2023-03-31 2023-02-22 2022-07-27 2022-03-31 2022-02-24 2021-09-30 2021-02-24 
                  
        assets
      		            
        cash and balances at central banks
      		64,225 62,705  62,705 76,420 91,388 91,388 86,717 101,071 76,420 68,873 76,420 
        financial assets at fair value through profit or loss
      		221,942 215,925  215,925 206,971 180,609 180,609 179,445 199,269    
        derivative financial instruments
      		22,943 24,065  24,065 22,051 24,753 24,753 29,734 24,616 22,051 23,191 22,051 
        loans and advances to banks
      		7,500 7,900    10,632 10,632 7,843 6,673  11,996  
        loans and advances to customers
      		471,598 459,857 452.4   454,899 454,899 456,095 451,849  502,672  
        reverse repurchase agreements
      		45,964 49,476    44,865 44,865 56,516 53,517    
        debt securities
      		13,175 14,544    9,926 9,926 8,980 8,344 6,835 4,810  
        financial assets at amortised cost
      		538,237 531,777  531,777 517,156 520,322 520,322 529,434 520,383 517,156 519,478 517,156 
        financial assets at fair value through other comprehensive income
      		33,888 30,690  30,690 28,137 23,154 23,154 24,329 23,902 28,137 27,958 28,137 
        goodwill and other intangible assets
      		8,042 8,188   6,713        
        current tax recoverable
      		1,227 526   363 612 612 647  363   
        deferred tax assets
      		4,428 5,005   3,773 5,228 5,228 3,781  3,118   
        retirement benefit assets
      		2,953 3,028   4,531 3,823 3,823 5,473  4,531   
        other assets
      		21,397 24,788  41,535 15,142 13,837  18,075 40,634  39,842 35,990 
        total assets
      		919,282 906,697 892.9 906,697 881,257 877,829 877,829 890,408 909,875 886,525 881,997 886,525 
        liabilities
      		            
        deposits from banks
      		7,695 6,158  6,158 7,647 7,266 7,266 7,470 8,213  14,291  
        customer deposits
      		493,932 482,745 474.7 482,745 476,344 475,331 475,331 478,213 481,148  485,177  
        repurchase agreements at amortised cost
      		38,248 37,760  37,760 31,125 48,596 48,596 48,175 46,520    
        financial liabilities at fair value through profit or loss
      		28,754 27,611  27,611 23,123 17,755 17,755 19,735 24,492 23,123 26,667 23,123 
        notes in circulation
      		2,119 2,121   1,321 1,280 1,280 1,269  1,321   
        debt securities in issue at amortised cost
      		68,301 70,834  70,834         
        liabilities arising from insurance and participating investment contracts
      		124,952 122,064  122,064         
        liabilities arising from non-participating investment contracts
      		52,285 51,228  51,228 40,890 42,975 42,975 40,542  45,040   
        other liabilities
      		23,107 25,918  30,644 19,367 19,090 19,090 22,049 25,672 19,947 27,074 55,076 
        retirement benefit obligations
      		119 122   230 126 126 187  230   
        current tax liabilities
      		63 45   6 8 8 6  6   
        deferred tax liabilities
      		120 125   8 216 216 164  39   
        provisions
      		2,176 2,313           
        subordinated liabilities
      		10,661 10,089  10,089 13,108 10,730 10,730 10,773 10,968 13,108 13,444 13,108 
        total liabilities
      		872,411 860,809 847.8 860,809 830,040 830,308 830,308 840,333 857,933 833,373 829,355 833,373 
        equity
      		            
        share capital
      		6,003 6,062   7,102 6,729 6,729 6,904  7,102   
        share premium account
      		18,781 18,720   18,479 18,504 18,504 18,494  18,479   
        other reserves
      		9,986 8,827   11,177 6,602 6,602 8,779  11,189   
        retained profits
      		5,624 5,912   8,318 10,145 10,145 10,194  10,241   
        ordinary shareholders' equity
      		40,394 39,521     41,980 44,371  47,011   
        other equity instruments
      		6,323 6,195 5.9  5,906 5,297 5,297 5,485 5,485 5,906 5,906  
        total equity excluding non-controlling interests
      		46,717 45,716   50,982 47,277 47,277 49,856  52,917   
        non-controlling interests
      		154 172 0.2  235 244 244 219 210 235 246  
        total equity
      		46,871 45,888 45.1 45,888 51,217 47,521 47,521 50,075 51,942 53,152 52,642 53,152 
        total equity and liabilities
      		919,282 906,697  906,697 881,257 877,829 877,829 890,408 909,875 886,525 881,997 886,525 
        uk mortgages1,2
      		  306.9          
        credit cards
      		  15.6          
        uk retail unsecured loans
      		  8.2          
        uk motor finance
      		  16.2          
        overdrafts
      		  1          
        retail other1,3
      		  17.2          
        small and medium businesses
      		  31.5          
        corporate and institutional banking
      		  56.6          
        central items4
      		  -0.8          
        retail current accounts
      		  101.7          
        retail savings accounts5
      		  201.5          
        wealth
      		  10.1          
        commercial banking
      		  161.2          
        central items
      		  0.2          
        ordinary shareholders’ equity
      		  39  45,076 41,980   46,247  46,490  
        ordinary shares in issue, excluding own shares
      		  62,458          
        items in the course of collection from banks
      		     242 242 205  147   
        reinsurance assets
      		     616       
        investments in joint ventures and associates
      		     385 385 351  352   
        goodwill
      		     2,655 2,655 2,629  2,320   
        value of in-force business
      		     5,419 5,419 5,189  5,514   
        other intangible assets
      		     4,786 4,786 4,399  4,196   
        note
      		            
        items in course of transmission to banks
      		       369  316   
        debt securities in issue
      		    71,552 73,819 73,819 74,284 77,843 71,552 80,509 71,552 
        liabilities arising from insurance contracts and participating investment contracts
      		    125,179  106,893 108,613  123,423   
        other provisions
      		    2,080 1,809 1,809 1,953  2,092   
        insurance contract assets
      		            
        reinsurance contract assets
      		            
        items in the course of transmission to banks
      		     372 372      
        insurance contract liabilities
      		     106,893       
        reinsurance contract liabilities
      		            
        reinsurance assets1
      		      616      
        other assets1
      		      13,837   15,449   
        liabilities arising from insurance and investment contracts
      		        162,231  163,931 168,463 
        financial assets at fair value through profit or loss1
      		         206,771 202,655  
        loans and advances to banks1
      		         7,001   
        loans and advances to customers1
      		         448,567   
        reverse repurchase agreements1
      		         54,753   
        deposits from banks1
      		         7,647   
        customer deposits1
      		         476,344   
        repurchase agreements at amortised cost1
      		         31,125   
        financial assets at fair value through profit or loss2
      		           206,771 
        deposits from banks3
      		           7,647 
        customer deposits3
      		           476,344 
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2023-02-22 
         
          profit before tax
        		6,928 
          adjustments for:
        		 
          change in operating assets
        		17,037 
          change in operating liabilities
        		15,593 
          non-cash and other items
        		-16,804 
          tax paid
        		-743 
          net cash from operating activities
        		22,011 
          capital expenditures
        		0 
          free cash flows
        		22,011 
          cash flows from investing activities
        		 
          purchase of financial assets
        		-7,984 
          proceeds from sale and maturity of financial assets
        		11,172 
          purchase of fixed assets
        		-3,855 
          proceeds from sale of fixed assets
        		1,550 
          repayment of capital by joint ventures and associates
        		36 
          acquisition of businesses, net of cash acquired
        		-409 
          net cash from investing activities
        		510 
          cash flows from financing activities
        		 
          dividends paid to ordinary shareholders
        		-1,475 
          distributions on other equity instruments
        		-438 
          dividends paid to non-controlling interests
        		-92 
          interest paid on subordinated liabilities
        		-603 
          proceeds from issue of subordinated liabilities
        		838 
          proceeds from issue of other equity instruments
        		745 
          proceeds from issue of ordinary shares
        		31 
          share buyback
        		-2,013 
          repayment of subordinated liabilities
        		-2,216 
          repurchases and redemptions of other equity instruments
        		-1,395 
          change in stake of non-controlling interests
        		5 
          net cash from financing activities
        		-6,613 
          effects of exchange rate changes on cash and cash equivalents
        		727 
          change in cash and cash equivalents
        		16,635 
          cash and cash equivalents at beginning of year
        		79,194 
          cash and cash equivalents at end of year
        		95,829