Full history for every metric is available with a Kvantra account
Key financial summary
Financials in GBP| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | £bn | 15.1 | 16.3 | 16.1 | 19.2 | 18.6 | 23.4 | 19.5 | - |
| Operating profit | £bn | 6.66 | 7.45 | ||||||
| Net profit | £bn | 1.32 | 5.78 | 3.83 | 5.46 | 4.42 | 4.20 | 5.21 | 5.96 |
| EPS reported | £ | 0.07 | 0.08 | ||||||
| Operating cashflow per share | £ | 0.07 | 0.00 | ||||||
| Capex per share | £ | 0.08 | 0.00 | ||||||
| FCF per share | £ | -0.01 | 0.00 | ||||||
| Free cash flow | £bn | -0.64 | 0.00 | ||||||
| Net debt | £bn | 80.3 | 40.7 | ||||||
| Book value equity | £bn | 47.7 | 47.0 | ||||||
| Book value per share | £ | 0.80 | 0.80 | ||||||
| Number of shares | m | 59,790 | 58,801 | ||||||
| DPS (TTM paid) | £ | 0.04 | 0.04 |
Financial summary
Financials in GBP| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 14.24 | 12.90 | ||||||
| P/B LTM | x | 1.23 | 1.27 | ||||||
| P/S LTM | x | 2.51 | 3.07 | ||||||
| P/FCF LTM | x | -91.92 | 0.00 | ||||||
| EV/EBITDA LTM | x | 21.57 | 13.50 | ||||||
| EV/Sales LTM | x | 3.51 | 5.16 | ||||||
| Earnings Yield LTM | % | 7.02% | 7.75% | ||||||
| FCF Yield | % | -1.09% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | 8.80% | 11.05% | ||||||
| ROIC | % | 0.95% | 1.10% | ||||||
| Operating margin | % | 16.26% | 38.26% | ||||||
| Gross margin | % | 55.28% | 99.09% | ||||||
| FCF/Sales | % | -1.56% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +10.93% | +25.74% | ||||||
| Sales Growth YoY | % | +25.99% | -48.23% | ||||||
| Net Income Growth YoY | % | -5.09% | +15.00% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +11.56% | +21.12% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 3.40% | 3.86% | ||||||
| Dividend Growth | % | +15.14% | +20.42% | ||||||
| Payout Ratio | % | 48.48% | 0.00% | ||||||
| FCF/Debt | x | -0.00 | 0.00 | ||||||
| Net Debt/EBITDA | x | 12.75 | 5.47 | ||||||
| EBIT/Net interest | x | 0.38 | 0.00 | ||||||
| Net debt/market cap | % | 136.67% | 68.09% | ||||||
| Net debt/Equity | x | 1.68 | 0.87 | ||||||
| Gross debt/equity | x | 2.97 | 2.18 | ||||||
ETFs that hold Lloyds Banking Group
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| iShares Core FTSE 100 UCITS ETF GBP (Acc) | SXRW.DE | 10 | 2.36% |
| iShares MSCI United Kingdom ETF | EWU | 10 | 2.55% |
| iShares STOXX Europe 600 Banks UCITS ETF (DE) | EXV1.DE | 8 | 3.42% |
| Amundi UK Equity All Cap UCITS ETF Dist | LCUK.L | 10 | 2.25% |
| iShares UK Dividend UCITS ETF | IQQD.DE | 10 | 3.23% |
| State Street SPDR FTSE UK All Share UCITS ETF (Acc) | FTAL.L | 10 | 2.07% |
| Franklin FTSE United Kingdom ETF | FLGB | 10 | 2.45% |
| Invesco STOXX Europe 600 Optimised Banks UCITS ETF | SC0U.DE | 9 | 3.57% |
| Portfolio Building Block European Banks Index ETF | PBEU | 8 | 3.99% |
| BetaShares - FTSE 100 ETF | F100.AX | 10 | 2.37% |
Funds with Lloyds Banking Group among their ten largest holdings, largest fund first.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Lloyds Banking Group plc, a long-standing financial institution founded in 1695 and headquartered in London, UK, operates as a leading provider of banking and financial services throughout the United Kingdom. Its operations are strategically structured into three core divisions: Retail, Commercial Banking, and Insurance and Wealth. The Retail segment is dedicated to serving individual customers and small enterprises, offering a comprehensive array of financial instruments such as checking and savings accounts, home loans, vehicle finance, unsecured personal credit, asset leasing options, and credit cards. For small and medium-sized businesses, larger corporate clients, and financial institutions, the Commercial Banking division provides specialized services. These include credit facilities, transactional banking, working capital optimisation, risk management advisory, and both direct and capital market debt funding solutions. The Insurance and Wealth segment focuses on delivering insurance policies, investment products, and comprehensive wealth management services. Furthermore, the group extends its reach by providing advanced digital banking platforms. The company markets its diverse portfolio of products and services under several well-known brands, including Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Lloyds Banking Group plc (LLOY.L)
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| iShares Core FTSE 100 UCITS ETF GBP (Acc) | SXRW.DE | 10 | 2.36% |
| iShares MSCI United Kingdom ETF | EWU | 10 | 2.55% |
| iShares STOXX Europe 600 Banks UCITS ETF (DE) | EXV1.DE | 8 | 3.42% |
| Amundi UK Equity All Cap UCITS ETF Dist | LCUK.L | 10 | 2.25% |
| iShares UK Dividend UCITS ETF | IQQD.DE | 10 | 3.23% |
| State Street SPDR FTSE UK All Share UCITS ETF (Acc) | FTAL.L | 10 | 2.07% |
| Franklin FTSE United Kingdom ETF | FLGB | 10 | 2.45% |
| Invesco STOXX Europe 600 Optimised Banks UCITS ETF | SC0U.DE | 9 | 3.57% |
| Portfolio Building Block European Banks Index ETF | PBEU | 8 | 3.99% |
| BetaShares - FTSE 100 ETF | F100.AX | 10 | 2.37% |
Funds with Lloyds Banking Group among their ten largest holdings, largest fund first.
Based on consensus from external analysts. Not Kvantra's opinion.
Lloyds Banking Group plc, a long-standing financial institution founded in 1695 and headquartered in London, UK, operates as a leading provider of banking and financial services throughout the United Kingdom. Its operations are strategically structured into three core divisions: Retail, Commercial Banking, and Insurance and Wealth. The Retail segment is dedicated to serving individual customers and small enterprises, offering a comprehensive array of financial instruments such as checking and savings accounts, home loans, vehicle finance, unsecured personal credit, asset leasing options, and credit cards. For small and medium-sized businesses, larger corporate clients, and financial institutions, the Commercial Banking division provides specialized services. These include credit facilities, transactional banking, working capital optimisation, risk management advisory, and both direct and capital market debt funding solutions. The Insurance and Wealth segment focuses on delivering insurance policies, investment products, and comprehensive wealth management services. Furthermore, the group extends its reach by providing advanced digital banking platforms. The company markets its diverse portfolio of products and services under several well-known brands, including Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows.
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