Lloyds Banking Group/$LYG
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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 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
Primary listing
NYSE
Employees
61,228
Headquarters
Website
LYG Metrics
BasicAdvanced
$67B
51.70
$0.09
1.09
$0.17
2.82%
Price and volume
Market cap
$67B
Beta
1.09
52-week high
$4.63
52-week low
$3.27
Average daily volume
5.8M
Dividend rate
$0.17
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)
$390,900
Management effectiveness
Return on assets (TTM)
0.51%
Return on equity (TTM)
9.95%
Valuation
Price to earnings (TTM)
51.696
Price to revenue (TTM)
11.724
Price to book
1.25
Price to tangible book (TTM)
1.57
Price to free cash flow (TTM)
-19.174
Free cash flow yield (TTM)
-5.22%
Free cash flow per share (TTM)
-0.239
Dividend yield (TTM)
3.81%
Forward dividend yield
2.82%
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%
Bulls say / Bears say
UK home loans rose by £4.8 billion in Q1 2025 year-on-year, driven by lower interest rates and accelerated completions ahead of a tax-break deadline, underlining robust mortgage lending momentum (Reuters).
The bank reaffirmed its guidance for both 2025 and 2026, signaling management’s confidence in achieving strategic targets despite economic headwinds (Reuters).
After a favourable Supreme Court ruling, Lloyds maintained its £1.2 billion provision for motor finance claims, reducing uncertainty around potential redress liabilities estimated at £9 billion–£18 billion (Reuters).
Pre-tax profit dipped 7% in Q1 2025 to £1.52 billion, narrowly missing the £1.53 billion consensus, reflecting challenges in cost and revenue management (Reuters).
Lloyds recognised a £309 million impairment charge in Q1, including £35 million for changes in the economic outlook, highlighting exposure to adverse macroeconomic shifts (Reuters).
Around 3,000 employees, judged among the bottom 5%, were flagged for potential dismissal under a new performance management drive, posing risks to workforce morale and possible severance costs (Reuters via Investing.com).
Data summarised monthly by Lightyear AI. Last updated on 1 Oct 2025.
LYG News
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FAQs
What’s the current market cap for Lloyds Banking Group stock?
Lloyds Banking Group (LYG) has a market cap of $67B as of October 07, 2025.
What is the P/E ratio for Lloyds Banking Group stock?
The price to earnings (P/E) ratio for Lloyds Banking Group (LYG) stock is 51.7 as of October 07, 2025.
Does Lloyds Banking Group stock pay dividends?
Yes, the Lloyds Banking Group (LYG) stock pays dividends to shareholders. As of October 07, 2025, the dividend rate is $0.17472 and the yield is 2.82%. 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 (LYG) dividend payment date is unconfirmed.
What is the beta indicator for Lloyds Banking Group?
Lloyds Banking Group (LYG) 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.