Lloyds Banking Group plc - ADR
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+ FollowMarket Cap$77.88B
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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
225.8% upside
Current Fair Value
225.8% upsideUndervalued by 225.8% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $77.88 Billion |
|---|---|
| Enterprise Value | $122.84 Billion |
| Annual dividend | $0.22 |
| Dividend yield | 4.07% |
| Earnings per Share | $0.27 |
| Beta | 0.94 |
| Outstanding Shares | 14,947,500,000 |
Return
| Return on Equity | 13.20% |
|---|---|
| Return on Assets | 0.61% |
| Return on Invested Capital | 1.78% |
Valuation & Multiples
| P/E Ratio | 10.08 |
|---|---|
| PEG | -24.48 |
| Price to Sales | 1.04 |
| Price to Book Ratio | 1.74 |
| Enterprise Value to Revenue | 1.63 |
| Enterprise Value to EBIT | 14.27 |
| Enterprise Value to Net Income | 20 |
| Total Debt to Enterprise | 0.82 |
| Debt to Equity | 2.21 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 29, 2026
EPS
$0.15
Est. $0.14Revenue
$6.78 B
Est. $7.06 BNext Earnings Call
Expected Date
February 4, 2027
EPS Estimate
$0.13
Consensus analyst estimateRevenue Estimate
$7.21 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.00, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.0000▼ 7.48% |
|---|---|
| Total Calls | -▼ 100.00% |
| Total Puts | -▼ 100.00% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 0.89%▼ 3.10% |
|---|---|
| Total Invested | $746.22M▼ 78.50% |
| Investors Holding | 322▼ 312.00% |
About Lloyds Banking Group Plc
60,061 employees
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....