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
£50B
12.76
£0.07
1.09
£0.03
3.96%
Price and volume
Market cap
£50B
Beta
1.09
52-week high
£0.85
52-week low
£0.52
Average daily volume
160M
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)
12.765
Price to revenue (TTM)
2.895
Price to book
1.26
Price to tangible book (TTM)
1.57
Price to free cash flow (TTM)
-4.734
Free cash flow yield (TTM)
-21.12%
Free cash flow per share (TTM)
-0.178
Dividend yield (TTM)
3.96%
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
UK mortgage lending rose £4.8 billion in Q1, supported by lower interest rates and tax incentives, signaling robust retail loan growth and expanding market share (Reuters)
Lloyds kept its full‐year 2025 and 2026 profit outlook unchanged and reported no new costs for customer redress after accounting for mis-selling, showing confidence in its loan quality and expense management (Reuters)
Despite elevated mortgage rates, Lloyds told UK lawmakers that mortgage arrears stayed below pre-pandemic levels, indicating the strong quality of its home loan portfolio (Reuters)
First-quarter pre‐tax profit dropped 7% to £1.52 billion, narrowly missing estimates as increased operating costs put pressure on margins (Reuters)
Lloyds reserved £100 million in anticipation of new U.S. tariffs, pointing to its exposure to global trade issues and broader economic risks (Reuters)
The bank will cut several hundred UK technology jobs and increase hiring in India, highlighting cost-cutting efforts and possible disruption to its domestic IT functions (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 31 Aug 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 £50B as of September 16, 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 12.76 as of September 16, 2025.
Does Lloyds Banking Group stock pay dividends?
Yes, the Lloyds Banking Group (LLOY) stock pays dividends to shareholders. As of September 16, 2025, the dividend rate is £0.0333 and the yield is 3.96%. 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 1.09. 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.