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
Finance
Primary listing
LSE
Employees
60,061
Headquarters
London, United Kingdom
Website
www.lloydsbankinggroup.com

LLOY Metrics

BasicAdvanced
£62B
13.45
£0.08
0.91
£0.04
3.74%

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

First-half statutory pre-tax profit rose 23% to £4.3 billion, while net interest income increased 10%. Lloyds also raised its 2026 net interest income guidance above £14.9 billion, helped by a stronger structural hedge and a higher banking margin. (Reuters, Investegate)
The core franchise is still expanding: loans and advances rose 2% in the first half, deposits grew 1%, and other income increased 21%. This gives Lloyds growth beyond the interest-rate cycle, particularly across commercial banking and insurance and wealth. (Investegate, EQS News)
Capital generation is supporting sizeable shareholder returns without taking the CET1 ratio below the bank’s stated level. Lloyds increased its interim dividend by 30% to 1.58 pence per share and announced a further £1 billion buyback, with pro forma CET1 at 13.1%. (Reuters, Investegate)
Motor-finance redress remains an open-ended conduct risk. Lloyds has kept its existing provision, but the scheme’s implementation is delayed by legal challenges and the bank says the final cost could differ from its current best estimate. (Investegate, Morningstar DBRS)
Credit costs are moving higher as the economic outlook weakens. First-half impairment charges rose to £616 million from £442 million, with updated scenarios reflecting higher peak unemployment and a softer house-price outlook; Lloyds also booked a £151 million charge linked to the Middle East conflict. (Investegate, Reuters)
Margin growth may become harder to sustain as mortgage refinancing and competition pressure asset pricing. Lloyds says asset-margin compression is already offsetting part of the structural-hedge benefit, while its largely UK-focused and mortgage-heavy model leaves earnings sensitive to rate and housing-market changes. (Investegate, Reuters)
Data summarised monthly by Lightyear AI. Last updated on 22 Sept 2026.

LLOY Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

LLOY Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise

Funds containing LLOY

AllEURGBPUSD
Funds
Fund name
Fund size
£LLOY weighting
iShares STOXX Europe 600 Banks€EXV1
€3.7B3.36%
iShares UK Dividend£IUKD
£1.3B3.30%
iShares Core FTSE 100£CUKX
£3.2B2.48%
iShares Core FTSE 100€ISFA
€19B2.47%
iShares Core FTSE 100£ISF
£16B2.47%
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.