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)25.13M
Market Cap
$80.97B
Enterprise Value$100.23B
Total Cash (Recent Filing)$60.60B
Total Debt (Recent Filing)$95.14B
Price to Earnings (P/E)12.3
Beta0.93
Next Earnings
Jul 30, 2026EPS Estimate
0.14Next Dividend Ex-DateN/A
Dividend Yield3.19%
Share Statistics
EPS (TTM)0.28
Shares Outstanding14,574,681,000
10 Day Avg. Volume38,552,362
30 Day Avg. Volume25,125,718
Financial Highlights & Ratios
PEG Ratio1.58
Price to Book (P/B)1.23
Price to Sales (P/S)0.90
P/FCF Ratio-94.07
Enterprise Value/Market Cap1.24
Enterprise Value/Revenue1.54
Enterprise Value/Gross Profit1.54
Enterprise Value/Ebitda15.05
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.55
Revenue Forecast (FY)$28.33B
Bulls Say, Bears Say
Bulls Say
Scale And Deposit FundingA very large retail deposit base (c. GBP 497bn) and GBP 481bn of lending give Lloyds durable low-cost funding and scale across mortgages, retail and SME lending. Scale supports stable net interest income, cross-sell economics and resilience to competition over the medium term.
NII Tailwind From Structural HedgeNet interest income benefits from an improving NIM and a large structural hedge (GBP 5.5bn in 2025 with expected step-up to ~GBP 7–8bn). That hedge provides a multi-year margin tailwind, de-risking NII from short-term rate moves and supporting sustainable RoTE improvement.
Efficiency, RWA Optimization And AIMaterial structural efficiency has been delivered (c. GBP 1.9bn gross savings) alongside c. GBP 24bn RWA optimization. Scalable digital and AI monetization (50 GenAI cases, >GBP100m P&L benefit expected 2026) points to durable cost/income and capital generation upside.
Bears Say
Higher LeverageLeverage increased sharply in 2025, raising balance-sheet risk. A higher debt-to-equity ratio reduces capital flexibility, increases sensitivity to funding stress and regulatory scrutiny, and magnifies earnings volatility and loss-absorption demands over the medium term.
Weak Cash ConversionOperating cash flow has been volatile and free cash flow negative in both 2024 and 2025. Persistent weak cash conversion constrains internal funding for remediation, buybacks or investment, increasing reliance on external funding and reducing financial flexibility over time.
Remediation And Mortgage Margin PressureLarge remediation provisions (GBP 968m incl. an GBP 800m motor charge) and unresolved FCA outcomes create regulatory and earnings uncertainty. Coupled with mortgage margin headwinds from legacy vintages and deposit churn, these structural pressures can depress NII and raise capital or funding costs.
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 $80.97B.
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 39 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 $0.13 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 14,574,681,000 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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10
Blogger Sentiment
Bullish
LYG Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 2.7M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Neutral
Last 7 Days >0.1%
Last 30 Days ▲ 0.3%
Last 30 Days ▲ 0.3%
Technicals
SMA
Positive
20 days / 200 days
Momentum
38.12%
12-Months-Change
Fundamentals
Return on Equity
10.75%
Trailing 12-Months
Asset Growth
8.70%
Trailing 12-Months
Company Description
Lloyds Banking Group
Operating primarily within the United Kingdom, Lloyds Banking Group plc and its various subsidiaries deliver an extensive array of banking and financial products and services. The group's operations are divided into three core segments: Retail, Commercial Banking, and Insurance & Wealth. The Retail division serves individual consumers and small businesses with essential financial tools like checking and savings accounts, mortgages, auto financing, unsecured personal loans, leasing arrangements, and credit cards. Through its Commercial Banking arm, the group provides lending, transactional banking, working capital solutions, risk management advice, and debt financing services, catering to small and medium-sized enterprises, large corporations, and financial institutions. The Insurance & Wealth segment focuses on offering diverse insurance products, investment opportunities, and comprehensive wealth management services. Additionally, the company provides modern digital banking solutions. Its offerings are accessible through prominent brands including Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows. Established in 1695, Lloyds Banking Group plc is headquartered in London, 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