Lloyds Banking Group/£LLOY
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Lloyds Banking Group
Lloyds is a retail and commercial bank headquartered in the United Kingdom. The bank operates via three business segments: retail, commercial banking, and insurance and wealth. In retail, Lloyds offers primarily mortgages (66% of loan portfolio), credit cards, and current accounts to its customers. Its commercial banking operation provides lending, transaction banking, working capital management, and debt capital market services to large companies and financial institutions in the UK Insurance and wealth rounds out the product lineup with life and property insurance as well as pension solutions and high-net-worth asset-management services.
- Ticker
- £LLOY
- Sector
- Finance
- Primary listing
- LSE
- Employees
- 60,061
- Headquarters
- London, United Kingdom
- Website
- www.lloydsbankinggroup.com
LLOY Metrics
BasicAdvanced
£56B
10.22
£0.10
0.93
£0.04
4.07%
Price and volume
Market cap
£56B
Beta
0.93
52-week high
£1.18
52-week low
£0.85
Average daily volume
160M
Dividend rate
£0.04
Financial strength
Profitability
Net profit margin (TTM)
30.61%
Operating margin (TTM)
42.94%
Effective tax rate (TTM)
27.16%
Revenue per employee (TTM)
£340,000
Management effectiveness
Return on assets (TTM)
0.65%
Return on equity (TTM)
13.69%
Valuation
Price to earnings (TTM)
10.217
Price to revenue (TTM)
2.866
Price to book
1.23
Price to tangible book (TTM)
1.23
Dividend yield (TTM)
4.07%
Growth
Revenue change (TTM)
11.96%
Earnings per share change (TTM)
70.36%
3-year revenue growth (CAGR)
5.37%
3-year earnings per share growth (CAGR)
9.61%
10-year earnings per share growth (CAGR)
21.15%
3-year dividend per share growth (CAGR)
16.75%
10-year dividend per share growth (CAGR)
5.49%
What the Analysts think about LLOY
Analyst ratings (Buy, Hold, Sell) for Lloyds Banking Group stock.
Analyst projections of the future price of Lloyds Banking Group stock.
Bulls say / Bears say
Underlying net interest income rose 10% to £11.1bn in the first nine months, and Lloyds expects 2026 income to exceed £14.9bn. Rising structural-hedge income and loan growth are helping offset pressure on margins. (Investegate)
Earnings are growing beyond interest income: other income increased 10% to £5.0bn in the first nine months, with growth across customer activity, strategic initiatives and Lloyds Wealth. (Investegate)
Strong capital generation is supporting shareholder returns: Lloyds completed a £1.75bn buyback and is running a further programme of up to £1bn, after generating 153 basis points of capital in the first nine months. (Investegate)
Deposit competition and mortgage pricing are limiting margin gains: the bank cited both pressures, while its 2027 net interest income growth is expected to be slower than in 2026. That could constrain earnings momentum even if lending volumes grow. (Investegate)
The motor-finance redress bill remains uncertain. Lloyds’ roughly £1.95bn provision could prove insufficient as legal challenges have delayed the scheme and the final outcome is unresolved. (Morningstar DBRS, SEC)
Credit costs are rising: the impairment charge increased to £930m in the first nine months from £619m a year earlier, reflecting adverse model updates and a weaker economic outlook. Further deterioration could push costs above the bank’s current expectations. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 30 Oct 2026.
LLOY Financial Performance
Revenues and expenses
LLOY Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing LLOY
AllGBPEURUSD
Fund name | Fund size | £LLOY weighting |
|---|---|---|
L&G UK Quality Dividends Equal Weight£LDUK | £81M | 4.81% |
Amundi STOXX Europe 600 Banks£CB5 | €3.5B | 3.53% |
iShares STOXX Europe 600 Banks€EXV1 | €2.8B | 3.30% |
iShares UK Dividend£IUKD | £1.2B | 3.00% |
Vanguard FTSE 100£VUKG | £1.9B | 2.46% |
Latest price is delayed by 15 minutes. Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by London Stock Exchange, through Infront.