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
£54B
16.02
£0.06
1.08
£0.03
3.67%
Price and volume
Market cap
£54B
Beta
1.08
52-week high
£0.92
52-week low
£0.52
Average daily volume
141M
Dividend rate
£0.03
Financial strength
Profitability
Net profit margin (TTM)
22.01%
Operating margin (TTM)
32.01%
Effective tax rate (TTM)
26.90%
Revenue per employee (TTM)
£290,000
Management effectiveness
Return on assets (TTM)
0.44%
Return on equity (TTM)
8.74%
Valuation
Price to earnings (TTM)
16.022
Price to revenue (TTM)
3.047
Price to book
1.33
Price to tangible book (TTM)
1.33
Dividend yield (TTM)
3.67%
Growth
Revenue change (TTM)
-3.37%
Earnings per share change (TTM)
-18.35%
3-year revenue growth (CAGR)
7.68%
3-year earnings per share growth (CAGR)
13.81%
10-year earnings per share growth (CAGR)
12.74%
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
Statutory pre-tax profit for H1 2025 rose 5% year-on-year to £3.5 billion, beating analysts’ £3.2 billion estimate and showing resilient core profitability.
The interim ordinary dividend was raised 15% to 1.22 pence per share (worth £731 million), reflecting strong capital generation and shareholder returns.
UK home loans increased by £4.8 billion in Q1 2025, supported by lower rates and a rush to meet a stamp duty incentive deadline, boosting Lloyds’ loan book growth and future net interest income.
The bank took an impairment charge of £442 million in H1 2025, up from £101 million a year earlier, with defaults concentrated in the fibre broadband sector, highlighting growing credit challenges.
In Q3 2025, pretax profit fell 36% to £1.17 billion because of an £800 million provision related to the motor finance mis-selling scandal, leading Lloyds to lower its full-year ROTE forecast to about 12%.
Q1 2025 pre-tax profit declined 7% to £1.52 billion, slightly under expectations, impacted by higher operating costs and a £309 million impairment due to changes in the economic outlook and U.S. tariff risks.
Data summarised monthly by Lightyear AI. Last updated on 2 Nov 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 £54B as of November 08, 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 16.02 as of November 08, 2025.
Does Lloyds Banking Group stock pay dividends?
Yes, the Lloyds Banking Group (LLOY) stock pays dividends to shareholders. As of November 08, 2025, the dividend rate is £0.0333 and the yield is 3.67%. Lloyds Banking Group has a payout ratio of 0% 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.