Lloyds Banking Group (LLOY)

Sector:

Banking

Index:

FTSE 100

95.24p
   
  • Change Today:
      1.18p
  • 52 Week High: 112.60p
  • 52 Week Low: 73.54p
  • Currency: UK Pounds
  • Shares Issued: 58,248m
  • Volume: 112,310,898
  • Market Cap: £55,475m
  • RiskGrade: 208
  • Beta: 0.00

Dividend Data

  31-Dec-2531-Dec-2431-Dec-2331-Dec-2231-Dec-21
Interim Dividend1.22p1.06p0.92p0.80pn/a
Final Dividend2.43p2.11p1.84p1.60pn/a
Total Dividend3.65p3.17p2.76p2.40pn/a
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Continuing Operations          
Revenue 30,749.00 31,288.00 35,405.00 (5,346.00) 37,444.00
Operating Profit/(Loss) 6,661.00 5,971.00 7,503.00 4,782.00 6,902.00
Profit Before Tax 4,757.00 4,477.00 7,503.00 4,782.00 6,902.00
Profit After Tax 4,757.00 4,477.00 5,518.00 3,923.00 5,885.00
Discontinued Operations          
Profit After Tax n/a n/a n/a n/a n/a
PROFIT FOR THE PERIOD 4,757.00 4,477.00 5,518.00 3,923.00 5,885.00
Attributable to:          
Equity Holders of Parent Company 4,659.00 4,421.00 5,460.00 3,827.00 5,784.00
Minority Interests 98.00 56.00 58.00 96.00 101.00
           
Continuing EPS          
Earnings per Share - Basic 7.00p 6.30p 7.60p 4.90p 7.50p
Earnings per Share - Diluted 6.90p 6.20p 7.50p 4.90p 7.50p
Earnings per Share - Adjusted 7.00p 6.30p 7.60p 4.90p 7.50p
Continuing and Discontinued EPS          
Earnings per Share - Basic 7.00p 6.30p 7.60p 4.90p 7.50p
Earnings per Share - Diluted 6.90p 6.20p 7.50p 4.90p 7.50p
Earnings per Share - Adjusted 7.00p 6.30p 7.60p 4.90p 7.50p
           
Dividend per Share 3.65p 3.17p 2.76p 2.40p 2.00p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Assets          
Property, Plant & Equipment n/a n/a n/a n/a n/a
Intangible Assets 8,593.00 8,188.00 8,306.00 7,615.00 12,030.00
Investment Properties n/a n/a n/a n/a n/a
Investments n/a n/a n/a n/a 352.00
Other Financial Assets 240,413.00 215,925.00 203,318.00 180,769.00 256,959.00
           
Loans & Advances to Banks 7,236.00 7,900.00 10,764.00 10,632.00 7,001.00
Loans & Advances to Customers 481,463.00 459,857.00 449,745.00 454,899.00 448,567.00
Advances 488,699.00 467,757.00 460,509.00 465,531.00 455,568.00
           
Debt Securities 13,987.00 14,544.00 15,355.00 9,926.00 6,835.00
Items in course of collection n/a n/a n/a 44,865.00 147.00
           
Cash at Bank 56,661.00 62,705.00 78,110.00 n/a 76,420.00
Treasury Bills n/a n/a n/a 91,388.00 n/a
Liquid Assets 56,661.00 62,705.00 78,110.00 91,388.00 76,420.00
           
Inventories n/a n/a n/a n/a n/a
Trade & Other Receivables n/a n/a n/a n/a n/a
Other Assets 135,719.00 137,578.00 115,855.00 n/a 78,214.00
Total Assets 944,072.00 906,697.00 881,453.00 873,394.00 886,525.00
           
Liabilities          
Items in Course of Collection n/a n/a n/a n/a 316.00
Deposits & Customer Accounts 502,236.00 488,903.00 477,549.00 482,597.00 483,991.00
Debt Securities 78,271.00 70,834.00 75,592.00 73,819.00 71,552.00
Other Current Liabilities n/a n/a n/a n/a n/a
           
Borrowings 2,118.00 12,210.00 10,253.00 10,730.00 13,108.00
Provisions 3,034.00 2,438.00 2,234.00 2,012.00 2,131.00
Other Liabilities 310,546.00 286,424.00 268,460.00 260,325.00 262,275.00
Total Liabilities 896,205.00 860,809.00 834,088.00 829,483.00 833,373.00
           
Net Assets 47,867.00 45,888.00 47,365.00 43,911.00 53,152.00
           
Capital & Reserves          
Share Capital 5,889.00 6,062.00 6,358.00 6,729.00 7,102.00
Share Premium Account 18,797.00 18,720.00 18,568.00 18,504.00 18,479.00
Other Reserves 10,744.00 8,827.00 8,508.00 11,884.00 11,189.00
Retained Earnings 6,291.00 5,912.00 6,790.00 6,550.00 16,147.00
Shareholders Funds 41,721.00 39,521.00 40,224.00 43,667.00 52,917.00
           
Minority Interests/Other Equity 6,146.00 6,367.00 7,141.00 244.00 235.00
Total Equity 47,867.00 45,888.00 47,365.00 43,911.00 53,152.00
Cash Flow 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Net Cash Flow From Operating Activities 5,701.00 (4,393.00) 6,810.00 22,011.00 6,758.00
Returns On Investment & Servicing of Finance fn/a fn/a fn/a fn/a fn/a
Taxation Paid fn/a fn/a fn/a fn/a fn/a
Net Cash Flow from Investing Activities (10,189.00) (7,691.00) (9,821.00) 510.00 (2,545.00)
Acquisitions & Disposals gn/a gn/a gn/a gn/a gn/a
Dividends Paid fn/a fn/a fn/a fn/a fn/a
Management of Liquid Resources cn/a cn/a cn/a cn/a cn/a
Net Cash Flow from Financing Activities (5,735.00) (5,938.00) (3,980.00) (5,886.00) (3,164.00)
Net Increase/Decrease In Cash (10,223.00) (18,022.00) (6,991.00) 16,635.00 1,049.00
Ratios - based on IFRS 31-Dec-25 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21
Continuing Operations          
PE Ratio - Adjusted 14.0 8.7 6.3 9.3 6.4
PEG - Adjusted 1.3 n/a 0.1 n/a 0.0
Earnings per Share Growth - Adjusted 11% -17% 55% -35% 525%
Dividend Cover 1.92 1.99 2.75 2.04 3.75
Revenue per Share 51.43p 50.13p 60.78p (9.18p) 52.78p
Pre-Tax Profit per Share 7.96p 7.17p 12.88p 8.21p 9.73p
Operating Margin 21.66% 19.08% 21.19% (89.45%) 18.43%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 14.0 8.7 6.3 9.3 6.4
PEG - Adjusted 1.3 n/a 0.1 n/a 0.0
Earnings per Share Growth - Adjusted 11% -17% 55% -35% 525%
Dividend Cover 1.92 1.99 2.75 2.04 3.75
           
Dividend Yield 3.7% 5.8% 5.8% 5.3% 4.2%
Dividend per Share Growth 15.14% 14.86% 15.00% 20.00% 250.88%
Operating Cash Flow per Share 9.54p (7.04p) 11.69p 37.79p 9.53p
Cash Incr/Decr per Share (17.10p) (28.88p) (12.00p) 28.56p 1.48p
Net Asset Value per Share (exc. Intangibles) 65.69p 60.40p 67.06p 62.31p 57.97p
Net Gearing n/a n/a n/a n/a n/a

Key

* GAAP

a. Includes discontinued activities

b. Including assets due in more than one year

c. Not disclosed under IFRS

d. Total fixed assets

e. Includes borrowings

f. Included in cash flow from operating activities under IFRS

g. Included in net cash from investing activities under IFRS

h. Pre-tax

i. Capital expenditure

j. Based on operating cash flow before tax

k. Issue of ordinary shares

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: RiskGrade figures are provided by RiskMetrics.

Note 3: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 4: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 5: Forecast figures based on normalised accounts.

 

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