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LLOY Stock Chart & Stats
113.50 p
1.00 p(0.88%)
At close: 4:00 PM EDT
113.50 p
1.00 p(0.88%)
Day’s Range― - ―
52-Week Range74.40 p - 117.70 p
Previous CloseN/A
Volume18.06M
Average Volume (3M)148.90M
Market Cap
£66.59B
Enterprise Value143.28K
Total Cash (Recent Filing)£62.13B
Total Debt (Recent Filing)£100.75B
Price to Earnings (P/E)20.3
Beta1.56
Next Earnings
Feb 04, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.18%
Share Statistics
EPS (TTM)0.08
Shares Outstanding58,145,990,000
10 Day Avg. Volume133,856,645
30 Day Avg. Volume148,899,935
Financial Highlights & Ratios
PEG Ratio1.21
Price to Book (P/B)1.23
Price to Sales (P/S)1.43
P/FCF Ratio-91.92
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£126.50Price Target Upside11.45% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering10
EPS Forecast (FY)0.1
Revenue Forecast (FY)£20.99B
Bulls Say, Bears Say
Bulls Say
Market Position & ScaleLloyds' multi-brand UK retail franchise and wide product suite create durable deposit funding, high customer inertia and cross-sell potential. Scale supports cheaper funding, mortgage flow share and distribution advantages that sustain returns through medium-term cycles and competition.
Revenue Momentum & Diversified IncomeTop-line momentum reflects both net interest income and growing other operating income, reducing single-source reliance. Strategic initiatives (Lloyds Wealth, OOI contributions) and targeted revenue from AI/tech scale bolster more diversified, sustainable earnings over the next 2–6 months and beyond.
Capital Generation & ReturnsReported CET1 and explicit >200bps capital generation target, plus planned dividend increase and buyback, indicate strong capital generation discipline. RWA optimisation and Basel 3.1 relief further expand excess capital headroom, supporting persistent shareholder returns and strategic flexibility.
Bears Say
Rising LeverageA sharp increase in leverage materially raises funding and balance-sheet risk. Higher debt-to-equity compresses shock-absorption capacity, increases sensitivity to funding costs and constrains capital allocation choices, making the franchise more exposed to macro shocks over the medium term.
Weak Cash ConversionVolatile and negative free cash flow reduces financial flexibility and means reported earnings are less readily convertible to distributable cash. This raises sustainability questions for buybacks/dividends and leaves the bank more reliant on accounting profits and capital actions if earnings or asset quality weaken.
Remediation & Elevated CostsLarge remediation provisions and still-elevated cost/income signal execution and conduct risks that compress returns. Even excluding one-offs, costs remain high; persistent remediation or cost slippage would erode RoTE and limit the durability of efficiency-led improvement claims.
Lloyds Banking News
LLOY FAQ
What was Lloyds Banking Group PLC’s price range in the past 12 months?
Lloyds Banking Group PLC lowest share price was 74.40 p and its highest was 117.70 p in the past 12 months.
What is Lloyds Banking Group PLC’s market cap?
Lloyds Banking Group PLC’s market cap is £66.59B.
When is Lloyds Banking Group PLC’s upcoming earnings report date?
Lloyds Banking Group PLC’s upcoming earnings report date is Feb 04, 2027 which is in 185 days.
How were Lloyds Banking Group PLC’s earnings last quarter?
Lloyds Banking Group PLC released its earnings results on Jul 30, 2026. The company reported 0.024 p earnings per share for the quarter, the consensus estimate of 0.024 p by 0 p.
Is Lloyds Banking Group PLC overvalued?
According to Wall Street analysts Lloyds Banking Group PLC’s price is currently Undervalued.
Does Lloyds Banking Group PLC pay dividends?
Lloyds Banking Group PLC pays a Semiannually dividend of 2.43 p which represents an annual dividend yield of 3.18%. See more information on Lloyds Banking Group PLC dividends here
What is Lloyds Banking Group PLC’s EPS estimate?
Lloyds Banking Group PLC’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Lloyds Banking Group PLC have?
Lloyds Banking Group PLC has 58,145,990,000 shares outstanding.
What happened to Lloyds Banking Group PLC’s price movement after its last earnings report?
Lloyds Banking Group PLC reported an EPS of 0.024 p in its last earnings report, expectations of 0.024 p. Following the earnings report the stock price went up 3.862%.
Which hedge fund is a major shareholder of Lloyds Banking Group PLC?
Currently, no hedge funds are holding shares in GB:LLOY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Lloyds Banking Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
£126.50 (11.45% Upside)
£126.50 (11.45% Upside)
Insider Transactions
Sold Shares
Worth £3.3M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 92%
Bearish news 8%
Bearish news 8%
Technicals
SMA
Positive
20 days / 200 days
Momentum
40.17%
12-Months-Change
Fundamentals
Return on Equity
3.18%
Trailing 12-Months
Asset Growth
8.14%
Trailing 12-Months
Company Description
Lloyds Banking Group PLC
Lloyds Banking Group plc (LLOY) is a UK-focused financial services group providing retail and commercial banking, insurance and wealth-related products, and other financial services. Through well-known brands including Lloyds Bank, Halifax, Bank of Scotland and Scottish Widows, the group offers current accounts, savings, mortgages, personal and business lending, cards, payments, and related digital banking services, alongside insurance, pensions and investment products primarily for customers in the United Kingdom.
LLOY Stock 12 Month Forecast
Average Price Target
126.50 p
▲(11.45% Upside)
Technical Analysis
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