The earnings call demonstrated strong financial performance with increased shareholder distributions, capital generation, and income growth. However, there are some challenges related to asset quality and regulatory uncertainty in Motor Finance. Overall, the highlights outweigh the lowlights, indicating positive sentiment.

Company Guidance

During the Lloyds Banking Group 2025 Half Year Results Call, the company reaffirmed its guidance for 2025, projecting a strong financial performance. Key metrics highlighted included a 15% increase in the interim ordinary dividend and a return on tangible equity of 14.1% for the first half of the year. The group reported a 6% increase in net income, supported by a 9% rise in other operating income. Capital generation was robust, with 86 basis points recorded in the first half. The company remains confident in achieving its 2026 strategic outcomes, targeting a cost-to-income ratio below 50% and more than 200 basis points of capital generation. Lloyds also emphasized its strategic initiatives, noting over GBP 1 billion in additional revenues delivered to date from these efforts. The economic outlook is seen as supportive, with the company positioned to benefit from targeted growth areas such as housing and pensions.

Strong Shareholder Distributions and Confidence in Strategic Outcomes

Ordinary dividend increased by 15% at the interim stage, with confidence in delivering higher and more sustainable returns. Reaffirmed guidance for 2025 and commitments for 2026.

Capital Generation and Return on Tangible Equity

Return on tangible equity of 14.1% for the half year, with 86 basis points of capital generation. Commitment to a cost-to-income ratio below 50% and more than 200 basis points of capital generation by 2026.

Broad-Based Income Growth

Net income grew by 6% year-on-year, supported by a 5% increase in net interest income and 9% growth in other operating income. Structural hedge income expected to rise by GBP 1.2 billion in 2025 compared to 2024.

Operational Efficiency and Cost Savings

Realized GBP 300 million of gross cost savings in the first half, contributing to a total of circa GBP 1.5 billion since 2021. Targeting a cost-to-income ratio below 50% by 2026.

Growth in Customer Balances

Group lending balances up by GBP 4.8 billion in Q2, driven by broad-based growth across all lending activities. Deposit franchise grew by GBP 11.2 billion or 2% in the first half.

Lloyds Banking (GB:LLOY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

GB:LLOY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Feb 18, 2026	2025 (Q4)	0.02 / -	0.016	―	―	―
Jul 24, 2025	2025 (Q2)	0.02 / 0.02	0.017	23.53% (<+0.01)	―	―
Feb 20, 2025	2024 (Q4)	0.01 / 0.02	0.017	-5.88% (>-0.01)	―	―
Jul 25, 2024	2024 (Q2)	0.01 / 0.02	0.018	-5.56% (>-0.01)	―	―
Feb 22, 2024	2023 (Q4)	0.02 / 0.02	0.023	-26.09% (>-0.01)	―	―
Jul 26, 2023	2023 (Q2)	0.02 / 0.02	0.021	-14.29% (>-0.01)	―	―
Feb 22, 2023	2022 (Q4)	0.02 / 0.02	0.018	27.78% (<+0.01)	―	―
Oct 27, 2022	2022 (Q3)	0.02 / -	0.02	―	―	―
Jul 27, 2022	2022 (Q2)	0.02 / 0.02	0.028	-25.00% (>-0.01)	―	―
Feb 24, 2022	2021 (Q4)	0.01 / 0.02	0.013	38.46% (<+0.01)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

GB:LLOY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	76.44p	76.83p	+0.51%
Feb 20, 2025	59.84p	62.75p	+4.86%
Jul 25, 2024	55.80p	56.72p	+1.65%
Feb 22, 2024	39.09p	41.49p	+6.14%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Lloyds Banking Group PLC (GB:LLOY) report earnings?

Lloyds Banking Group PLC (GB:LLOY) is schdueled to report earning on Feb 18, 2026, Before Open (Confirmed).

What is Lloyds Banking Group PLC (GB:LLOY) earnings time?

Lloyds Banking Group PLC (GB:LLOY) earnings time is at Feb 18, 2026, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is the P/E ratio of Lloyds Banking Group PLC stock?

The P/E ratio of Lloyds Banking is N/A.

What is GB:LLOY EPS forecast?

GB:LLOY EPS forecast for the fiscal quarter 2025 (Q4) is 0.02.

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