Lloyds Banking Group plc
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+ FollowMarket Cap$88.24B
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Earnings Call Q4 2025
January 29, 2026 - AI Summary
Strong Financial Performance: In 2025, Lloyds Bank Group reported a statutory profit after tax of GBP 4.8 billion, representing a return on tangible equity (RoTE) of 12.9%, which increases to 14.8% when excluding a significant motor finance provision. Net income grew by 7% to GBP 18.3 billion, driven by sustained growth in net interest income (NII) and other operating income (OOI), up 6% and 9% respectively, indicating resilience and effective management amidst external pressures.
Dividend and Share Buyback: The Board has proposed a final ordinary dividend of 2.43p per share, culminating in a total dividend of 3.65p for 2025, a 15% increase from the previous year. Additionally, a GBP 1.75 billion share buyback has been announced, which reflects the company's strong capital generation capability and commitment to returning value to shareholders.
Upgraded Guidance and Growth Forecasts: The 2026 financial targets have been upgraded, with operating income from strategic initiatives expected to reach around GBP 2 billion, and RoTE guidance lifted to greater than 16%. This outlook is based on strategic positioning in higher-growth sectors such as housing, pensions, and investments, signaling confidence in sustainable revenue generation.
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$0.82
48.5% downside
Current Fair Value
48.5% downsideOvervalued by 48.5% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $88.24 Billion |
|---|---|
| Enterprise Value | $129.01 Billion |
| Dividend Yield | $0.02 (1.42%) |
| Earnings per Share | $0.07 |
| Beta | 1.01 |
| Outstanding Shares | 77,734,922,000 |
Return
| Return on Equity | 15.38% |
|---|---|
| Return on Assets | 0.73% |
| Return on Invested Capital | 2.26% |
Valuation & Multiples
| P/E Ratio | 13.8 |
|---|---|
| PEG | 128.3 |
| Price to Sales | 1.6 |
| Price to Book Ratio | - |
| Enterprise Value to Revenue | 1.54 |
| Enterprise Value to EBIT | 11.78 |
| Enterprise Value to Net Income | 17 |
| Total Debt to Enterprise | 0.79 |
| Debt to Equity | 2.18 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
July 30, 2026
EPS Estimate
$0.03
Average shareholder expectationRevenue Estimate
$6.79 B
Average shareholder expectationNext Earnings Call
Expected Date
October 29, 2026
EPS Estimate
$0.04
Average shareholder expectationRevenue Estimate
$7.29 B
Average shareholder expectationInstitutional Sentiment (Put/Call)
No data available for the latest quarter.
Institutional Ownership
No data available for the latest quarter.
ESG Score
No data
About Lloyds Banking Group Plc
CEO: António Mota De Sousa Horta-Osório Lloyds Banking Group Plc is a financial services company, which engages in the provision of a wide range of banking and financial services. It operates through the following segments: Retail; Commercial Banking; and Insurance and Wealth....