Lloyds Banking Group/$LYG
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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 its 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 round out the product lineup with life and property insurance as well as pension solutions and high-net-worth asset management services.
- Ticker
- $LYG
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 60,061
- Headquarters
- London, United Kingdom
- Website
- www.lloydsbankinggroup.com
LYG Metrics
BasicAdvanced
$74B
39.99
$0.13
0.93
$0.21
3.22%
Price and volume
Market cap
$74B
Beta
0.93
52-week high
$6.34
52-week low
$4.51
Average daily volume
21M
Dividend rate
$0.21
Financial strength
Profitability
Net profit margin (TTM)
30.61%
Operating margin (TTM)
42.94%
Effective tax rate (TTM)
27.16%
Revenue per employee (TTM)
$456,660
Management effectiveness
Return on assets (TTM)
0.65%
Return on equity (TTM)
13.69%
Valuation
Price to earnings (TTM)
39.987
Price to revenue (TTM)
11.216
Price to book
1.21
Price to tangible book (TTM)
1.21
Dividend yield (TTM)
4.07%
Forward dividend yield
3.22%
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 LYG
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
Nine-month pre-tax profit rose 42% to £6.6 billion, while underlying net interest income grew 10% as the bank benefited from higher hedge income and lending growth. Lloyds remains on track for 2026 guidance, including net interest income above £14.9 billion. (SEC)
Strong capital generation is supporting sizeable shareholder returns: Lloyds completed a £1.75 billion buyback and announced a further programme of up to £1 billion, alongside a 30% rise in its interim dividend. That offers investors a meaningful near-term capital-return component. (Lloyds Banking Group, Investegate)
Lloyds is broadening its earnings beyond traditional lending: nine-month underlying other income rose 10%, with insurance and wealth income up 14%. The new Accelerate 2030 plan aims to build these fee-generating areas and improve productivity through technology. (Lloyds Banking Group, Investegate)
The FCA motor-finance redress scheme remains subject to a legal challenge, delaying payments and leaving the final outcome uncertain. Lloyds has a large Black Horse exposure and had set aside £1.95 billion, so any change in the scheme or costs could affect earnings and capital returns. (BBC News, AM-online)
A higher UK bank surcharge adds a direct headwind to profits: the government plans to double it from 3% to 6% for 15 months. Investors also marked down the shares after Lloyds left its performance targets unchanged, signalling limited scope for near-term upside surprises. (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 4 Nov 2026.
LYG Financial Performance
Revenues and expenses
LYG Earnings Performance
Company profitability
Upcoming events
No upcoming events
LYG News
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Funds containing LYG
Fund name | Fund size | $LYG weighting |
|---|---|---|
iShares USD Corporate Bond€LQDA | $3.5B | 0.06% |
iShares USD Corporate Bond£LQDS | $3.5B | 0.06% |
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.
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