Lloyds Banking (LYG) Price & Analysis

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. Get more investment ideas with TipRanks Premium

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 for its next earnings report is not yet available.

How many shares outstanding does Lloyds Banking Group have?

Lloyds Banking Group has 14,746,583,000 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 1.893%.

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

Outperform

Fundamentals

Return on Equity

10.77%

Trailing 12-Months

Asset Growth

11.82%

Trailing 12-Months

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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.

Lloyds Banking (LYG) Earnings & Revenues

Historic Earnings Reports

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 summaries