Lloyds Banking Group plc - ADR
LYG
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+ FollowMarket Cap$83.75B
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Earnings Call Q4 2025
January 29, 2026 - AI Summary
Strong Financial Performance: Lloyds Bank Group reported a statutory profit after tax of GBP 4.8 billion for 2025, achieving a return on tangible equity (RoTE) of 12.9%, which rises to 14.8% when excluding the recent motor provision. The net income increased by 7% year-on-year, reaching GBP 18.3 billion, driven by a 6% growth in net interest income (NII) and a 9% increase in other operating income (OOI).
Dividend and Buyback Announcements: The Board has proposed a final ordinary dividend of 2.43p per share, raising the total dividend for the year by 15% to 3.65p. Additionally, a share buyback program of up to GBP 1.75 billion is being initiated, representing an overall capital return of up to GBP 3.9 billion, equating to around 6% of the current market capitalization.
Growth Forecasts: Lloyds Bank upgrades its target for return on tangible equity for 2026 to greater than 16% and anticipates around GBP 14.9 billion in NII for 2026, benefitting from a projected GBP 1.5 billion increase in hedge income. The company also expects continued balanced growth across retail and commercial sectors amidst a resilient U.K. economy.
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$16.98
208.6% upside
Current Fair Value
208.6% upsideUndervalued by 208.6% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $83.75 Billion |
|---|---|
| Enterprise Value | $124.52 Billion |
| Dividend Yield | $0.08 (3.69%) |
| Earnings per Share | $0.27 |
| Beta | 0.9 |
| Outstanding Shares | 14,947,500,000 |
Return
| Return on Equity | 15.38% |
|---|---|
| Return on Assets | 0.73% |
| Return on Invested Capital | 2.26% |
Valuation & Multiples
| P/E Ratio | 13.5 |
|---|---|
| PEG | 125.48 |
| Price to Sales | 1.1 |
| Price to Book Ratio | 1.83 |
| Enterprise Value to Revenue | 1.48 |
| Enterprise Value to EBIT | 11.37 |
| Enterprise Value to Net Income | 17 |
| Total Debt to Enterprise | 0.82 |
| Debt to Equity | 2.18 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
July 30, 2026
EPS Estimate
$0.14
Average shareholder expectationRevenue Estimate
$6.86 B
Average shareholder expectationNext Earnings Call
Expected Date
October 22, 2026
EPS Estimate
$0.15
Average shareholder expectationRevenue Estimate
$7.24 B
Average shareholder expectationInstitutional Put/Call Ratio
Market sentiment based on institutional option activity.
| Put/Call Ratio | 0.0748▼ 35.82% |
|---|---|
| Total Calls | 5,017,200▲ 49.13% |
| Total Puts | 375,300▼ 74.24% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 3.99%▼ 0.11% |
|---|---|
| Total Invested | $3.47B▲ 13.03% |
| Investors Holding | 629▲ 39.00% |
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....