Lloyds Banking Group (LYG)
NYSE:LYG
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LYG Stock Chart & Stats
$4.98
-$0.11(-4.00%)
At close: 4:00 PM EST
$4.98
-$0.11(-4.00%)
Day’s Range― - ―
52-Week Range$3.98 - $6.34
Previous CloseN/A
Volume7.46M
Average Volume (3M)18.36M
Market Cap
$79.10B
Enterprise Value$97.43B
Total Cash (Recent Filing)$60.60B
Total Debt (Recent Filing)$95.14B
Price to Earnings (P/E)11.8
Beta0.90
Next Earnings
Jul 30, 2026EPS Estimate
0.14Next Dividend Ex-DateN/A
Dividend Yield3.19%
Share Statistics
EPS (TTM)0.28
Shares Outstanding14,552,834,000
10 Day Avg. Volume20,323,657
30 Day Avg. Volume18,363,601
Financial Highlights & Ratios
PEG Ratio1.39
Price to Book (P/B)1.23
Price to Sales (P/S)0.90
P/FCF Ratio-94.07
Enterprise Value/Market Cap1.23
Enterprise Value/Revenue1.50
Enterprise Value/Gross Profit1.50
Enterprise Value/Ebitda14.63
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.55
Revenue Forecast (FY)$28.36B
Bulls Say, Bears Say
Bulls Say
Structural Hedge And NII TailwindA multi-year structural hedge that added ~GBP 5.5bn in 2025 and is expected to rise materially provides persistent, predictable NII support. That reduces sensitivity of core earnings to short-term mortgage repricing and helps sustain net interest margin through 2026–27.
Balance-sheet Scale: Lending And Deposits GrowthConsistent organic lending and deposit growth demonstrates franchise resilience and funding stability. Higher loan volumes and sticky retail deposits support sustainable NII and underwriting scale, underpinning earnings capacity and market share in UK retail/commercial banking.
Durable Efficiency Gains And RWA OptimizationMaterial cost savings and RWA reductions are structural: realized efficiencies and capital relief increase return on tangible equity potential and balance-sheet capacity. Sustained delivery of these programs enhances long-term expense flexibility and supports shareholder distributions.
Bears Say
Sharp Leverage Increase In 2025A rapid jump in debt-to-equity reduces financial flexibility and raises balance-sheet risk. Higher leverage constrains the bank's ability to absorb shocks, may increase funding and regulatory scrutiny, and limits optionality for capital deployment or dividend support over the next 2–6 months.
Weaker Cash Generation And Negative Free Cash FlowVolatile operating cash flow and consecutive years of negative free cash flow signal weaker cash conversion. That raises refinancing and liquidity sensitivity, forcing reliance on deposits or wholesale funding and potentially constraining capital returns or investment until cash conversion stabilizes.
Large Remediation Charge And Regulatory UncertaintyAn £800m motor provision and nearly £1bn of remediation in 2025 create recurring headline risk and earnings lumpiness. Pending regulatory outcomes increase the probability of further provisions or restrictions, pressuring capital generation and keeping cost/income elevated near term.
Lloyds Banking News
LYG FAQ
What was Lloyds Banking Group’s price range in the past 12 months?
Lloyds Banking Group lowest stock price was $3.98 and its highest was $6.34 in the past 12 months.
What is Lloyds Banking Group’s market cap?
Lloyds Banking Group’s market cap is $79.10B.
When is Lloyds Banking Group’s upcoming earnings report date?
Lloyds Banking Group’s upcoming earnings report date is Jul 30, 2026 which is in 61 days.
How were Lloyds Banking Group’s earnings last quarter?
Lloyds Banking Group released its earnings results on Jan 29, 2026. The company reported $0.121 earnings per share for the quarter, beating the consensus estimate of $0.106 by $0.015.
Is Lloyds Banking Group overvalued?
According to Wall Street analysts Lloyds Banking Group’s price is currently Overvalued.
Does Lloyds Banking Group pay dividends?
Lloyds Banking Group pays a Quarterly dividend of $0.066 which represents an annual dividend yield of 3.19%. See more information on Lloyds Banking Group dividends here
What is Lloyds Banking Group’s EPS estimate?
Lloyds Banking Group’s EPS estimate is 0.14.
How many shares outstanding does Lloyds Banking Group have?
Lloyds Banking Group has 14,552,834,000 shares outstanding.
What happened to Lloyds Banking Group’s price movement after its last earnings report?
Lloyds Banking Group reported an EPS of $0.121 in its last earnings report, beating expectations of $0.106. Following the earnings report the stock price went up 1.904%.
Which hedge fund is a major shareholder of Lloyds Banking Group?
Currently, no hedge funds are holding shares in LYG
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
Neutral
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Blogger Sentiment
Bullish
LYG Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 2.7M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.3%
Last 30 Days ▼ 2.6%
Last 30 Days ▼ 2.6%
Technicals
SMA
Positive
20 days / 200 days
Momentum
35.06%
12-Months-Change
Fundamentals
Return on Equity
10.75%
Trailing 12-Months
Asset Growth
8.70%
Trailing 12-Months
Company Description
Lloyds Banking Group
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom. It operates through three segments: Retail; Commercial Banking; and Insurance and Wealth. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, motor finance, unsecured loans, leasing solutions, and credit cards to personal and small business customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, debt financing, and debt capital market services to small and medium-sized entities, corporates, and financial institutions. The Insurance and Wealth segment offers insurance, investment and wealth management products and services. It also provides digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows brands. Lloyds Banking Group plc was founded in 1695 and is based in London, the United Kingdom.
LYG Company Deck
LYG Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a clearly positive trajectory: the company reported broad-based revenue growth (NII +6%, OOI +9%), strong balance sheet momentum (lending +5%, deposits +3%), material cost and RWA savings realized since 2021, and accelerated digital/AI monetization with explicit near-term benefits (GBP 50m in 2025; >GBP 100m expected in 2026). Management upgraded 2026 targets (RoTE >16%, strategic revenue target ~GBP 2bn) and increased shareholder returns (15% dividend uplift and GBP 1.75bn buyback). Headwinds exist — notably a large motor remediation charge (GBP 800m), a still-elevated 2025 cost/income ratio (58.6%) and mortgage margin pressure from COVID-era book maturities and competitive completion margins — but these are framed as manageable and largely being offset by structural hedge income, further efficiency delivery, and diversified OOI growth. On balance the positives significantly outweigh the negatives, and management expressed clear confidence in upgraded 2026 guidance and beyond.View all LYG earnings summariesTechnical Analysis
Ownership Overview
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Insiders
0.04% Mutual Funds
1.95% Other Institutional Investors
97.86% Public Companies and
Individual Investors