Lloyds Banking Group plc - ADR
LYG
Market Cap$65.85B
Close$
Earnings Call Q1 2025
May 1, 2025 - AI Summary
Strong Q1 Performance: Lloyds Banking Group reported a statutory profit after tax of £1.1 billion with a return on tangible equity (ROTE) of 12.6%. Net income reached £4.4 billion, representing a 4% year-on-year increase, driven by growth in both net interest income and other operating income.
Net Interest Income Guidance: The group maintains its annual net interest income (NII) forecast at approximately £13.5 billion for 2025, with Q1 NII reaching £3.3 billion, up 3% year-on-year. Net interest margin improved to 3.03%, up 6 basis points compared to the prior quarter, supported by a stable structural hedge.
Deposit Growth and Stability: Deposits grew by £5 billion or 1% in Q1, with robust savings performance in retail up £1.9 billion. The bank expects continued positive deposit trends for the remainder of the year, although commercial deposits may be affected by seasonal fluctuations.
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$4.73
12.3% upside
Current Fair Value
12.3% upsideUndervalued by 12.3% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $65.85 Billion |
|---|---|
| Enterprise Value | $2.96 Billion |
| Dividend Yield | $0.15814 (0.0419756355932203%) |
| Earnings per Share | $0.25 |
| Beta | 1.09 |
| Outstanding Shares | 15,147,250,000 |
Return
| Return on Equity | - |
|---|---|
| Return on Assets | - |
| Return on Invested Capital | - |
Valuation & Multiples
| P/E Ratio | 10.81 |
|---|---|
| PEG | -156.88 |
| Price to Sales | 4.21 |
| Price to Book Ratio | 1.4 |
| Enterprise Value to Revenue | 0.16 |
| Enterprise Value to EBIT | -24.06 |
| Enterprise Value to Net Income | 0 |
| Total Debt to Enterprise | 0 |
| Debt to Equity | 0 |
Revenue Sources
No data
Insider Trades
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....