Lloyds Banking Group plc
LYG · Price history
Price at last available close
$5.23
−$0.46 (-8.08%) 1M
2026-10-29
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Company & revenue
About Lloyds Banking Group plc
Primary reporting period: 2025-12-31 · Research updated Oct 10, 2026. A research update is not a new financial filing.
Who they are
Operating primarily within the United Kingdom, Lloyds Banking Group plc and its various subsidiaries deliver an extensive array of banking and financial products and services. The group's operations are divided into three core segments: Retail, Commercial Banking, and Insurance & Wealth. The Retail division serves individual consumers and small businesses with essential financial tools like checking and savings accounts, mortgages, auto financing, unsecured personal loans, leasing arrangements, and credit cards.
How they make money
Lloyds Banking Group plc operates as a financial services group primarily in the United Kingdom. It generates revenue through net interest income from lending activities, such as mortgages and personal loans, and through fee and commission income from banking, insurance, and investment services provided to retail and commercial customers.
Products & services
The group provides retail and commercial banking, mortgages, personal loans, credit cards, insurance, pensions, investment management, and digital banking services.
Brands & revenue mix
Flagship retail and commercial banking brand.
Separate brand revenue is not available in this research.Source
Retail banking and mortgage brand.
Separate brand revenue is not available in this research.Source
Regional banking brand in Scotland.
Separate brand revenue is not available in this research.Source
Insurance and pensions brand.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
The Group serves approximately 28 million customers in the United Kingdom, with no single customer accounting for a material portion of total revenue as of 2025-12-31.
Suppliers, materials & equipment
No supplier relationships were confirmed in the sources reviewed. This does not mean the company has no suppliers.
Competitors
- Barclays PLC — A multinational universal bank providing retail, corporate, and investment banking services.Source
- NatWest Group plc — A major UK banking and financial services company competing in retail and commercial banking.Source
- HSBC Holdings plc — A global banking and financial services organization with significant operations in the UK.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
59
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
49
Weak
Financial Strength
42
Business Quality / Moat
58
Management
54
Growth Quality
30
Risk / Durability
62
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
67
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
60/100
Building Historical Record
Model Score 60/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Elevated debt risk
- •Repurchase headline · Sep 18, 2026
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for LYG
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can LYG maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •How long can LYG fund negative free cash flow using its current cash position before it may need more debt or new shares?
- •Does LYG's balance between cash and debt leave enough flexibility if business conditions weaken?
- •Is LYG's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
59
Opportunity Score
67
Market Cap
$75.38B
P/E Ratio
13.0
EPS
$0.42
52-Week High
$6.34
52-Week Low
$4.42
Beta
0.94
Intrinsic Value
$16.28
Analyst Target
$2.75
Shares Outstanding
14.95B
Total Revenue
$86.61B
Total Debt
$135.33B
Dividend Yield (TTM)
4.11%
Liquidation Value / Share
$4.18
Dividend / Share (TTM)
$0.22
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for LYG
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Free cash flow is negative
Repurchase headline · Sep 18, 2026
Lloyds Banking Group Maps Accelerate 2030 Plan With AI, Growth and Buyback Focus — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
MarketBeatCommunity Sentiment
0 active · 0 total callsNo personal call yet on LYG.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Leading position in the UK retail banking market.
- +Extensive digital banking infrastructure and customer base.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Free cash flow is negative.
- −Exposure to UK economic conditions and housing market fluctuations.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
4 historical score records availablePrevious Score
59
Oct 1, 2026
Change
+0.5
points
Current Score
59
Oct 5, 2026
Category Changes
LYG increased 0.5 points because overall fundamentals improved.
Projected Score
Projected Score
59
Projected Change
+0.2 points
Preliminary comparable-period financial changes suggest improvement of approximately 0.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $0.42 · Growth assumption: 15.0% · Earnings multiplier: 38.5×.
Current Price
$5.24
Model Intrinsic Value
$16.28
Difference
−$11.05
-67.9% vs IV
Margin of Safety
67.9%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Large reported revenue change: +72.8%
Revenue changed sharply from 2024 to 2025. This can reflect a real business change, acquisition, divestiture, discontinued operations, restatement, or reporting-basis change. Compare the underlying filing before treating it as normal growth or decline.
TTM may combine quarters from before and after the event, so its trend can also be distorted.
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $86.61B | $86.02B | $49.78B | $44.93B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $60.32B | $60.32B | $25.16B | $19.52B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $26.29B | $25.70B | $24.62B | $25.41B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $16.43B | $16.89B | $16.72B | $15.48B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $9.86B | $8.81B | $12.44B | $13.77B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $9.86B | $8.81B | $7.90B | $9.93B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $22.68B | $22.68B | $25.16B | $19.52B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $9.86B | $8.81B | $7.90B | $9.93B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $2.80B | $2.52B | $1.98B | $2.63B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $6.72B | $6.17B | $5.85B | $7.23B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $0.41 | $0.36 | $0.33 | $0.40 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 14.95B | 14.95B | 15.60B | 16.44B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 14.95B | 14.95B | 15.77B | 16.44B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$18.32B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.13
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+19.7%
Cash Change
-4.2%
Margin Change
+0.2 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
What Weakened
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included EPS growth, net income margin. Pressure indicators included revenue growth, cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 0.3%. EPS increased 13.9%. Cash declined 4.2%. Total debt increased 19.7%. Net income margin improved by 0.2 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
4 historical recordsHistorical Score Chart
3 of 4 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · LYG
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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