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LYG stock logo

LYG

Lloyds Banking Group plc

$5.34
0.04
 (0.75%)
Exchange:  NYSE
Market Cap:  78.501B
Shares Outstanding:  66.915B
Delayed data
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Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Charles Alan Nunn
Full Time Employees:  61228
Address: 
25 Gresham Street
London
EC2V 7HN
GB
Website:  https://www.lloydsbankinggroup.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/05/01 — 1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue33,952,00037,614,00065,001,000
Gross Profit19,199,00018,603,00019,422,000
EBITDA10,408,0009,397,0006,661,000
Operating Income7,503,0005,971,0006,661,000
Net Income5,460,0004,421,0004,659,000

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets881,453,000906,697,000942,412,612
Total Liabilities834,088,000860,809,000900,566,295
Total Stockholders Equity47,164,00045,716,00041,846,318
Total Debt93,668,00080,923,000140,331,905
Cash and Cash Equivalents79,022,00062,682,0000

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow6,810,000-4,393,0004,334,875
Capital Expenditure-5,455,000-4,364,000-4,959,871
Free Cash Flow1,355,000-8,757,000-624,997
Net Income7,503,0004,421,0004,104,046
Net Change in Cash-6,991,000-18,022,0000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2030Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)25,847,944.046Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)27,588,314.332Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)26,946,478.761Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)7,879,901.222Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)8,410,463.572Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)8,214,796.138Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)9,043,984.875Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)9,845,768.775Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)9,550,107.225Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)210,762.132Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)224,952.977Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)219,719.499Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)0.640Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)0.660Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)0.610Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
74.39B  ?P/S
 (TTM)
: 
2.96
?Net Income
 (TTM)
: 
5.013B  ?P/E
 (TTM)
: 
11.53
?Enterprise Value
 (TTM)
: 
96.4B  ?EV/FCF
 (TTM)
: 
0
?Dividend Yield
 (TTM)
: 
0.04  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.11  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
89.813B  ?Debt/Equity
 (TTM)
: 
2.1
?P/B
 (TTM)
: 
1.21  ?Current Ratio
 (TTM)
: 
0.12

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
9.50Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

Strengths (preview)
  • Established market position in banking sector supported by detailed company profile metrics including mktCap, beta, and fullTimeEmployees.
  • Consistent dividend metrics via lastDiv and dividendYieldTTM, indicating potential shareholder returns.
  • Access to granular financial reporting across income statements, balance sheet, and cash flow statements for transparency in revenue, netIncome, and freeCashFlow tracking.

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about LYG valuation

Is Lloyds Banking Group plc (LYG) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Lloyds Banking Group plc (LYG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is LYG a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether LYG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is LYG’s P/E ratio?

You can see LYG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for LYG?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is LYG a good long-term investment?

Whether LYG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

LYG

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.75
MARKETSnap

Trading Metrics:

Open: 5.41   Previous Close: 5.3
Day Low: 5.21   Day High: 5.42
Year Low: 3.98   Year High: 6.34
Price Avg 50: 5.34   Price Avg 200: 5.11
Volume: 35.534M   Average Volume: 20.83M

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LYG full analysis

12/05/2026

Hey everyone, welcome back to the channel where we break down stocks like we're chatting over coffee about where to put your hard-earned money. Today we're diving deep into Lloyds Banking Group, ticker LYG, one of the UK's biggest retail banks with a massive presence across Lloyds, Halifax, Bank of Scotland, and Scottish Widows brands. Let's kick things off with the bigger picture. Lloyds has been navigating a tough UK economy but just posted some encouraging first-quarter results that show…

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See in Nexus

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