A Business at a Glance
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Item 4. Information on the Company A.History and development of the company Lloyds Banking Group plc was incorporated as a public limited company and registered in Scotland under the UK Companies Act 1985 on 21 October 1985 with the registered number SC095000. Lloyds Banking Group plc’s registered office is Lloyds Banking Group plc, The Mound, Edinburgh EH1 1YZ, Scotland, and its principal executive offices in the UK are located at Lloyds Banking Group plc, 33 Old Broad Street, London EC2N 1HZ, telephone number +44 (0)20 7626 1500. Lloyds Banking Group maintains a website at www.lloydsbankinggroup.com. The Group's origins date back to the 18th century with Taylors and Lloyds in Birmingham. Lloyds Bank plc was incorporated in 1865 and grew through a number of mergers and acquisitions. In 1995, it acquired the Cheltenham and Gloucester Building Society. TSB Group plc was formed in 1986 from the operations of four Trustee Savings Banks.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 25.6B | 25.6B | 23.0B | 23.3B | -6.6B | 53.5B |
| Net Income | 6.3B | 6.3B | 5.7B | 6.9B | 4.8B | 8.1B |
| EPS | $0.43 | $0.43 | $0.37 | $0.44 | $0.28 | $0.48 |
| Free Cash Flow | 832M | 832M | -11.2B | 3.6B | 24.1B | 4.9B |
| ROIC | 0.2% | 3.6% | 3.1% | 11.6% | 2.3% | 11.5% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 18.72 | 18.76 | 17.61 | 18.89 | 16.21 |
| Dividends/Share | $0.18 | $0.18 | $0.15 | $0.13 | $0.11 | $0.07 |
| Operating Income | 3.1B | 3.1B | 2.5B | 2.0B | 1.7B | 1.6B |
| Operating Margin | 12.2% | 12.2% | 10.7% | 8.8% | -25.0% | 3.0% |
| ROE | 9.9% | 10.1% | 9.6% | 12.1% | 8.2% | 11.7% |
| Shares Outstanding | 14,686M | 14,686M | 15,382M | 15,672M | 17,054M | 16,714M |
Lloyds Banking Group plc passes 3 of 9 quality checks, indicating weak fundamentals.
Lloyds Banking Group plc trades at 12.6x trailing earnings, compared to its 15-year median P/E of 8.0x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 94.8x vs a median of 7.1x. The company's 5-year average ROIC is 6.4%. Total shareholder yield (dividends) is 3.3%. At current prices, the estimated annualized return to fair value is -17.1%.
Lloyds Banking Group plc (LYG) has a current P/E ratio of 12.6, compared to its historical median P/E of 8.0. The stock is currently considered Fair based on its historical valuation range.
Lloyds Banking Group plc (LYG) has a 5-year average return on invested capital (ROIC) of 6.4%. This is below average and may indicate limited pricing power.
Lloyds Banking Group plc (LYG) has a market capitalization of $81.2B. It is classified as a large-cap stock.
Yes, Lloyds Banking Group plc (LYG) pays a dividend with a trailing twelve-month yield of 3.25%.
Based on historical P/E analysis, Lloyds Banking Group plc (LYG) appears fair. The current P/E of 12.6 is 57% above its historical median of 8.0. The estimated fair value CAGR (P/E method) is 14.3%.
Lloyds Banking Group plc (LYG) operates in the Commercial Banks, Nec industry, within the Financials sector.
Lloyds Banking Group plc (LYG) reported annual revenue of $25.6 billion in its most recent fiscal year, based on SEC EDGAR filings.
Lloyds Banking Group plc (LYG) has a net profit margin of 24.5%. This is a strong margin indicating high profitability.
Lloyds Banking Group plc (LYG) generated $832 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 (LYG) has a debt-to-equity ratio of 18.72. This indicates higher leverage, which may increase financial risk.
Lloyds Banking Group plc (LYG) reported earnings per share (EPS) of $0.43 in its most recent fiscal year.
Lloyds Banking Group plc (LYG) has a return on equity (ROE) of 10.1%. This indicates moderate shareholder returns.
The Ledger Terminal provides 11 years of financial data for Lloyds Banking Group plc (LYG), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Lloyds Banking Group plc (LYG) has a book value per share of $4.30, based on its most recent annual SEC filing.
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