A Business at a Glance
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LLOYDS BANKING GROUP PLC ORD 10 operates in the Banks - Regional industry, Financial Services sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 19.4B | 19.4B | 18.0B | 18.6B | -5.3B | 39.0B |
| Net Income | 4.7B | 4.7B | 4.4B | 5.5B | 3.9B | 5.9B |
| EPS | $0.07 | $0.07 | $0.06 | $0.08 | $0.05 | $0.08 |
| Free Cash Flow | 630M | 630M | -8.8B | 2.8B | 19.6B | 3.5B |
| ROIC | 0.5% | 9.9% | 9.8% | 11.6% | 8.9% | 11.5% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | - | - | - | - | - |
| Dividends/Share | $0.03 | $0.03 | $0.03 | $0.03 | $0.02 | $0.01 |
| Operating Income | 6.7B | 6.7B | 6.0B | 7.5B | 4.8B | 6.9B |
| Operating Margin | 34.3% | - | - | - | - | - |
| ROE | 9.8% | 10.0% | 9.5% | 12.0% | 8.2% | 11.7% |
| Shares Outstanding | 66,557M | 66,557M | 70,175M | 71,842M | 80,061M | 78,467M |
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | 42.4B | 29.2B | 39.0B | -5.3B | 18.6B | 18.0B | 19.4B | 19.4B |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 4.4B | 1.2B | 6.9B | 4.8B | 7.5B | 6.0B | 6.7B | 6.7B |
| Op. Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 34.3% |
| Net Income | 3.0B | 1.4B | 5.9B | 3.9B | 5.5B | 4.4B | 4.7B | 4.7B |
| Net Margin | 7.1% | 4.8% | 15.1% | -73.4% | 29.3% | 24.6% | 24.0% | 24.0% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||||
| ROIC | 6.3% | 2.8% | 11.5% | 8.9% | 11.6% | 9.8% | 9.9% | 0.5% |
| ROE | 6.3% | 2.9% | 11.7% | 8.2% | 12.0% | 9.5% | 10.0% | 9.8% |
| ROA | N/A | 0.2% | 0.7% | 0.4% | 0.6% | 0.5% | 0.5% | 0.5% |
| Cash Flow | ||||||||
| Op. Cash Flow | 11.3B | 28.2B | 6.8B | 22.0B | 6.8B | -4.4B | 5.7B | 5.7B |
| Free Cash Flow | 7.8B | 25.3B | 3.5B | 19.6B | 2.8B | -8.8B | 630M | 630M |
| Owner Earnings | 11.3B | 28.2B | 6.8B | 22.0B | 6.8B | -4.4B | 5.7B | 5.7B |
| CapEx | 3.4B | 2.9B | 3.2B | 2.4B | 4.0B | 4.4B | 5.1B | 5.1B |
| Maint. CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5.1B |
| D&A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| CapEx/OCF | 30.5% | 10.3% | 47.8% | 11.0% | 58.2% | N/A | 88.9% | 88.9% |
| Capital Allocation | ||||||||
| Dividends Paid | 2.5B | 41M | 970M | 1.6B | 1.8B | 1.9B | 2.1B | 2.1B |
| Dividend Yield | 489.9% | N/A | 2.8% | 4.3% | 5.3% | 5.1% | 4.0% | 3.0% |
| Share Buybacks | 1.1B | 293M | 13M | 60M | 2.0B | 2.0B | 1.7B | 1.7B |
| Buyback Yield | 204.5% | 0.0% | 0.0% | 0.2% | 5.8% | 5.3% | 2.6% | 2.5% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -60.6B |
| Cash & Equiv. | 59.5B | 78.1B | 79.2B | 95.8B | 88.8B | 70.8B | 60.6B | 60.6B |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Interest Coverage | 0.7 | 0.3 | 2.9 | 1.0 | 0.5 | 0.3 | 0.4 | 0.4 |
| Equity | 47.8B | 49.4B | 51.2B | 43.9B | 47.4B | 45.7B | 47.7B | 47.7B |
| Total Assets | N/A | 871.3B | 886.5B | 873.4B | 881.5B | 906.7B | 944.1B | 944.1B |
| Total Liabilities | N/A | 821.9B | 833.4B | 829.5B | 834.1B | 860.8B | 896.2B | 896.2B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | N/A | 4.6B | 10.2B | 6.5B | 6.8B | 5.9B | 6.3B | 6.3B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||||
| EPS | 3.40 | 0.01 | 0.08 | 0.05 | 0.08 | 0.06 | 0.07 | 0.07 |
| Owner EPS | 13.13 | N/A | 0.09 | 0.27 | 0.09 | -0.06 | 0.09 | 0.09 |
| Book Value | 55.66 | 0.43 | 0.65 | 0.55 | 0.66 | 0.65 | 0.72 | 0.72 |
| Cash Flow/Share | 13.13 | 0.24 | 0.09 | 0.27 | 0.09 | -0.06 | 0.09 | 0.07 |
| Dividends/Share | 2.85 | 0.00 | 0.01 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 |
| Shares Out. | 858.9M | N/A | 78.5B | 80.1B | 71.8B | 70.2B | 66.6B | 66.6B |
| Valuation | ||||||||
| P/E Ratio | 0.2 | 29.1 | 6.2 | 9.2 | 6.4 | 8.8 | 14.1 | 14.9 |
| P/FCF | 0.1 | N/A | 10.3 | 1.8 | 12.0 | N/A | 102.5 | 108.8 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.2 |
| Price/Book | 0.0 | 0.8 | 0.7 | 0.8 | 0.7 | 0.8 | 1.4 | 1.4 |
| Price/Sales | 0.0 | N/A | 0.9 | N/A | 1.8 | 2.1 | 3.3 | 3.5 |
| FCF Yield | 1464.3% | N/A | 9.7% | 54.1% | 8.3% | -23.0% | 1.0% | 0.9% |
| Market Cap | 535M | 0 | 36.2B | 36.2B | 34.3B | 38.1B | 64.6B | 68.6B |
| Avg. Price | 0.58 | 0.36 | 0.44 | 0.46 | 0.46 | 0.54 | 0.77 | 1.03 |
| Year-End Price | 0.62 | 0.35 | 0.46 | 0.45 | 0.48 | 0.54 | 0.97 | 1.03 |
LLOYDS BANKING GROUP PLC ORD 10 passes 4 of 9 quality checks, suggesting mixed fundamentals.
LLOYDS BANKING GROUP PLC ORD 10 trades at 14.9x trailing earnings, compared to its 15-year median P/E of 8.8x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 108.4x vs a median of 6.1x. The company's 5-year average ROIC is 10.3%. Total shareholder yield (dividends + buybacks) is 5.5%. At current prices, the estimated annualized return to fair value is -65.0%.
LLOYDS BANKING GROUP PLC ORD 10 (LLOY-L) has a current P/E ratio of 14.9, compared to its historical median P/E of 8.8. The stock is currently considered Fair based on its historical valuation range.
LLOYDS BANKING GROUP PLC ORD 10 (LLOY-L) has a 5-year average return on invested capital (ROIC) of 10.3%. This indicates solid capital allocation.
LLOYDS BANKING GROUP PLC ORD 10 (LLOY-L) has a market capitalization of $68.6B. It is classified as a large-cap stock.
Yes, LLOYDS BANKING GROUP PLC ORD 10 (LLOY-L) pays a dividend with a trailing twelve-month yield of 2.99%. The company also returns capital through share buybacks, with a buyback yield of 2.49%.
Based on historical P/E analysis, LLOYDS BANKING GROUP PLC ORD 10 (LLOY-L) appears fair. The current P/E of 14.9 is 70% above its historical median of 8.8. The estimated fair value CAGR (P/E method) is -52.7%.
LLOYDS BANKING GROUP PLC ORD 10 (LLOY-L) operates in the Banks - Regional industry, within the Financial Services sector.
LLOYDS BANKING GROUP PLC ORD 10 (LLOY-L) reported annual revenue of $19.4 billion in its most recent fiscal year, based on SEC EDGAR filings.
LLOYDS BANKING GROUP PLC ORD 10 (LLOY-L) has a net profit margin of 24.0%. This is a strong margin indicating high profitability.
LLOYDS BANKING GROUP PLC ORD 10 (LLOY-L) generated $630 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
LLOYDS BANKING GROUP PLC ORD 10 (LLOY-L) reported earnings per share (EPS) of $0.07 in its most recent fiscal year.
LLOYDS BANKING GROUP PLC ORD 10 (LLOY-L) has a return on equity (ROE) of 10.0%. This indicates moderate shareholder returns.
The Ledger Terminal provides 7 years of financial data for LLOYDS BANKING GROUP PLC ORD 10 (LLOY-L), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
LLOYDS BANKING GROUP PLC ORD 10 (LLOY-L) has a book value per share of $0.72, based on its most recent annual SEC filing.
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