Lloyds Banking Group plc (LYG)
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services for retail and commercial customers in the United Kingdom. It operates in three segments: Retail; Commercial Banking; and Insurance, Pensions and Investments. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, credit cards, unsecured loans, motor finance, and leasing solutions to personal customers. Its Commercial Banking segment provides lending, transactional banking, working capital management, debt financing, and risk management services to small and medium businesses, corporates, and institutions. The Insurance, Pensions and Investments segment offers insurance, investment, and pension management products and services. It also provides life assurance; and digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, Schroders Personal Wealth, Black Horse, Lex Autolease, Birmingham Midshires, LDC, AMC, Embark Group, Lloyds Living, Cavendish Online, Tusker, and HGP brands. The company was formerly known as Lloyds TSB Group plc and changed its name to Lloyds Banking Group plc in January 2009. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.
- Ticker
- LYG
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Banks - Regional
- 52-week range
- $4.51 - $6.34
Valuation
- Share price
- $5.09 (close of Nov 6, 2026)
- P/E (TTM)
- 13.51x
- Price to book
- 1.18x
- Price to free cash flow
- 89.75x
Price performance
| Period | Change |
|---|---|
| 1 day | -1.74% |
| 5 days | +1.80% |
| 1 month | -8.45% |
| 3 months | -17.77% |
| 6 months | -6.43% |
| Year to date | -3.96% |
| 1 year | +5.82% |
| 3 years | +148.29% |
| 5 years | +95.77% |
| 10 years | +83.09% |
| All time | -87.52% |
Short interest
- As of
- Oct 15, 2026
- Short % of float
- 0.11%
- Shares short
- 16.40M
- Days to cover
- 0.87
- Change since prior report
- -2.00%
- Source
- FINRA consolidated short interest
Profitability and growth
- Return on equity
- 9.73%
- Return on assets
- 0.49%
- Net margin
- 23.99%
- Revenue growth
- 7.88%
- Net income growth
- 5.38%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 1.11%
- Net debt to EBITDA
- 3.44x
Latest reported year
- Period end
- Dec 31, 2025
- Fiscal year
- 2025
- Shares outstanding
- 14.95B
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|---|---|
| 2025-12-31 | 23.99% | 9.73% |
| 2024-12-31 | 24.56% | 9.63% |
| 2023-12-31 | 29.31% | 11.53% |
| 2022-12-31 | - | 8.72% |
| 2021-12-31 | 14.85% | 11.29% |
| 2020-12-31 | 4.52% | 2.67% |
| 2019-12-31 | 6.91% | 6.12% |
| 2018-12-31 | 19.95% | 8.78% |
| 2017-12-31 | 11.42% | 8.15% |
| 2016-12-31 | 5.21% | 4.26% |
Investor relations
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|---|---|
| 2026-10-29 | Sep 2026 | - |
| 2026-07-30 | Jun 2026 | - |
| 2026-04-29 | Mar 2026 | - |
| 2026-01-29 | Dec 2025 | - |
| 2025-10-23 | Sep 2025 | - |
| 2025-07-24 | Jun 2025 | - |
| 2025-05-01 | Mar 2025 | - |
| 2025-02-20 | Dec 2024 | - |
Filings and sources
- Company website
- lloydsbankinggroup.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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Understanding these figures
Price-to-earnings ratio · Short interest · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart
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