Lloyds Banking Group/£LLOY
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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
Primary listing
LSE
Employees
61,228
Headquarters
Website
LLOY Metrics
BasicAdvanced
£48B
12.57
£0.07
1.08
£0.03
4.02%
Price and volume
Market cap
£48B
Beta
1.08
52-week high
£0.87
52-week low
£0.52
Average daily volume
146M
Dividend rate
£0.03
Financial strength
Dividend payout ratio (TTM)
53.12%
Profitability
Net profit margin (TTM)
25.61%
Operating margin (TTM)
36.24%
Effective tax rate (TTM)
25.59%
Revenue per employee (TTM)
£290,000
Management effectiveness
Return on assets (TTM)
0.51%
Return on equity (TTM)
9.95%
Valuation
Price to earnings (TTM)
12.57
Price to revenue (TTM)
2.851
Price to book
1.23
Price to tangible book (TTM)
1.53
Price to free cash flow (TTM)
-4.662
Free cash flow yield (TTM)
-21.45%
Free cash flow per share (TTM)
-0.178
Dividend yield (TTM)
4.02%
Growth
Revenue change (TTM)
-4.70%
Earnings per share change (TTM)
-5.89%
3-year revenue growth (CAGR)
3.60%
3-year earnings per share growth (CAGR)
5.73%
10-year earnings per share growth (CAGR)
13.85%
3-year dividend per share growth (CAGR)
16.06%
10-year dividend per share growth (CAGR)
8.30%
What the Analysts think about LLOY
Analyst ratings (Buy, Hold, Sell) for Lloyds Banking Group stock.
Bulls say / Bears say
During Q1 2025, Lloyds saw a £4.8 billion increase in UK mortgage lending driven by lower interest rates and a rush to complete transactions before a tax break ended, bolstering its primary revenue stream. (Reuters)
Despite a 7% drop in first-quarter pre-tax profits, Lloyds maintained its full-year forecasts for 2025 and 2026, reflecting management’s confidence in the resilience of its retail and commercial banking operations. (Reuters)
Lloyds is among major UK banks advancing tokenised deposit offerings, with pilot programmes for blockchain-based deposits set to expand in 2026, positioning the bank at the forefront of digital transaction innovation. (Reuters)
Lloyds’ first-quarter pre-tax profit fell 7% to £1.52 billion, slightly missing analyst expectations of £1.53 billion, highlighting ongoing pressure on core profitability from higher operating costs and impairments. (Reuters)
The bank has maintained a £1.2 billion provision for potential motor finance claims after a UK Supreme Court ruling, but the eventual FCA redress scheme could cost between £9–18 billion, risking further capital strain if provisions prove insufficient. (Reuters)
Lloyds set aside £100 million in Q1 to mitigate the impact of prospective U.S. tariffs, underscoring vulnerability to external geopolitical risks that could weigh on earnings if trade tensions escalate. (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 1 Oct 2025.
LLOY Financial Performance
Revenues and expenses
LLOY Earnings Performance
Company profitability
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 CBOE Europe and Deutsche Börse.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Lloyds Banking Group stock?
Lloyds Banking Group (LLOY) has a market cap of £48B as of October 19, 2025.
What is the P/E ratio for Lloyds Banking Group stock?
The price to earnings (P/E) ratio for Lloyds Banking Group (LLOY) stock is 12.57 as of October 19, 2025.
Does Lloyds Banking Group stock pay dividends?
Yes, the Lloyds Banking Group (LLOY) stock pays dividends to shareholders. As of October 19, 2025, the dividend rate is £0.0333 and the yield is 4.02%. Lloyds Banking Group has a payout ratio of 53.12% on a trailing twelve-month basis.
When is the next Lloyds Banking Group dividend payment date?
The next Lloyds Banking Group (LLOY) dividend payment date is unconfirmed.
What is the beta indicator for Lloyds Banking Group?
Lloyds Banking Group (LLOY) has a beta rating of 1.08. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.