Lloyds Banking (LLOY) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Jul 23, 2026

Before Open (Confirmed)

Period Ending

2026 (Q2)

Consensus EPS Forecast

―

Last Year’s EPS

0.02

Same Quarter Last Year

Analyst Consensus

Moderate Buy

Based on 11 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Jan 29, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call conveyed a clearly positive operational and financial momentum: sustained revenue growth (NII +6%, OOI +9%), strong balance sheet expansion (lending +5%, deposits +3%), sizeable cost savings (~GBP 1.9bn) and scaled digital/AI benefits, combined with upgraded 2026 targets (RoTE >16%, NII guidance ~GBP 14.9bn, capital generation >200 bps) and constructive capital returns (15% dividend increase and up to GBP 1.75bn buyback). Notable headwinds and one-off items — principally the GBP 800m motor remediation charge, elevated cost/income in 2025, mortgage margin pressure and some quarter‑to‑quarter deposit volatility — were acknowledged and quantified, but management presented actionable plans and guidance to more than offset these in 2026. Overall, positives materially outweigh the negatives.

Company Guidance

Management upgraded 2026 guidance and reiterated targets: NII about £14.9bn (from £13.6bn in 2025), return on tangible equity >16% (2025: 12.9% statutory / 14.8% excl. motor), cost/income ratio <50% in 2026 (2025: 58.6% / 53.3% excl. remediation), net income 2025 £18.3bn, other operating income £6.1bn in 2025 (+9%) with other‑income contribution to upgraded strategic revenue ~£0.9bn and a 2026 strategic initiatives revenue target of c.£2bn (c.£1.4bn delivered to date), gross cost savings c.£1.9bn since 2021, operating costs £9.76bn in 2025 with guidance for <£9.9bn in 2026, capital generation >200bps in 2026 (147bps in 2025; 178bps excl. motor), CET1 13.2% at FY25 with a target of ~13% by end‑2026, proposed ordinary dividend +15% to total 3.65p and a share buyback of up to £1.75bn (total capital return up to £3.9bn), structural hedge income ~£7bn in 2026 (c.£5.5bn in 2025) rising to ~£8bn in 2027, RWAs £235.5bn (up £10.9bn) with expected Basel‑3.1 day‑1 RWA relief of c.£6–8bn on 1 Jan 2027, lending £481bn (up £22bn, +5%) including mortgages £323bn (up £10.8bn, c.19% flow share), impairment charge £795m (asset quality ratio 17bps; guidance ~25bps for 2026), TNAV 57p (up 4.6p), and material GenAI benefits scaling from c.£50m P&L in 2025 (50 use cases) to >£100m in 2026.

Strong overall financial results

Statutory profit after tax of GBP 4.8 billion; net income GBP 18.3 billion, up 7% year-on-year; return on tangible equity 12.9% (14.8% excluding Q3 motor provision).

Net interest income and margin expansion

Net interest income (NII) of GBP 13.6 billion, up 6% year-on-year; average interest-earning assets up ~3%; full-year NIM 3.06% (up 11 basis points) and Q4 NIM 3.10% (up 4 basis points); guidance for NII of around GBP 14.9 billion in 2026.

Other operating income growth and diversification

Other operating income (OOI) GBP 6.1 billion, up 9% year-on-year; growth broad-based (Retail +12%, Insurance/Pensions/Investments +11%, Equity investments +15%); OOI expected to benefit from full Lloyds Wealth acquisition with expected ~GBP 0.9 billion other income contribution for 2026 strategic initiatives.

Balance sheet momentum — lending and deposits

Lending balances closed at GBP 481 billion, up GBP 22 billion (5%); mortgages GBP 323 billion, up GBP 10.8 billion (3%) with a ~19% flow share; total deposits GBP 496.5 billion, up GBP 13.8 billion (3%) for the year.

Capital generation and shareholder returns

Capital generation of 147 basis points in 2025 (178 bps excluding motor provision); CET1 ratio 13.2%; Board recommending a 15% increase in ordinary dividend (total 3.65p) and a share buyback of up to GBP 1.75 billion (total capital return up to GBP 3.9 billion, +8% vs 2024); target to consider excess capital distributions semi-annually and 2026 capital generation expected >200 bps.

Strategic initiative delivery and efficiency gains

Circa GBP 1.4 billion of additional revenue from strategic initiatives to date and upgraded 2026 target to circa GBP 2 billion; circa GBP 1.9 billion of gross cost savings realized since 2021; target cost/income ratio below 50% in 2026 (operating expenses expected < GBP 9.9 billion).

Digital and AI progress

Scaled 50 Gen AI use cases into production in 2025 generating GBP 50 million of in-year P&L benefit; expect >GBP 100 million of Gen/agentic AI P&L benefit in 2026; circa 9,000 technology and data hires since 2021 and mobile app users up ~45% since 2021.

RWA optimisation and regulatory tailwind

Delivered GBP 24 billion of gross RWA optimisation since 2021; expect Basel 3.1 day‑1 RWA reduction of around GBP 6–8 billion on implementation (1 Jan 2027), supporting stronger capital headroom.

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

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GB:LLOY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 23, 2026	2026 (Q2)	- / -	0.021	―	―	―
Jan 29, 2026	2025 (Q4)	0.02 / 0.02	0.016	37.50% (<+0.01)	―	―
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)	―	―

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
Jan 29, 2026	104.50p	105.45p	+0.91%
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%

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 Jul 23, 2026, Before Open (Confirmed).

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

Lloyds Banking Group PLC (GB:LLOY) earnings time is at Jul 23, 2026, Before Open (Confirmed).

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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?

Currently, no data Available