profit from every $100 of sales.
$0$100
Lloyds Banking Group
$5.17-0.77% today
+2.8% in 1 year
1-year low $4.521-year high $6.28
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $11.94 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Lloyds Banking Group sold, what it kept, and what it did with the cash.
Sales went from £16.1 billion in 2022 to £20.0 billion in 2025, with £4.66 billion of profit last year.
SalesProfit
Lloyds Banking Group vs. similar companies
Lloyds Banking Group grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Lloyds Banking Group | 11.9× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
Compare Lloyds Banking Group with JPMorgan Chase · Mastercard · Moody's · Royal Bank of Canada · S&P Global · Visa
AI analysis
An AI analyst reads Lloyds Banking Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 16,050 | 19,199 | 18,603 | 20,028 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 3,827 | 5,460 | 4,421 | 4,659 | |
| 0.29 | 0.30 | 0.25 | 0.28 | |
| – | – | – | – | |
| – | – | – | – | |
| 23.8% | 28.4% | 23.8% | 23.3% |
Balance sheet
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 873,394 | 881,453 | 906,697 | 944,072 |
| Cash | 92,046 | 78,110 | 62,705 | 56,661 |
| Total debt | 91,835 | 93,668 | 88,522 | 95,145 |
| Total liabilities | 829,483 | 834,088 | 860,809 | 896,205 |
| 43,667 | 47,164 | 45,716 | 47,668 | |
| 17,421 | 16,440 | 15,769 | 15,203 | |
| – | – | – | – | |
| 8.8% | 11.6% | 9.7% | 9.8% |
Cash flow
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 22,011 | 6,810 | -4,393 | 5,701 | |
| 3,855 | 5,455 | 5,623 | 6,323 | |
| 18,156 | 1,355 | -10,016 | -622 | |
| Dividends paid | 1,475 | 1,651 | 1,828 | 2,000 |
| 2,013 | 1,993 | 2,011 | 1,710 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 11.9×
- 12.4×
- –
- 1.1×
- 2.8×
- 8.4%
- 3.6%
Profitability
- 23.3%
- 1.1%
- 3.5%
- 10.8%
- 0.5%
Growth
- +7.7%
- −1.4%
- +11.2%
- −4.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 28%of 827
Top 22%of 709
Top 37%of 876
Bottom 49%of 879
Bottom 16%of 926
What analysts expect
- Average price target
- $2.75
- Range
- $2.75 – $2.75
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 29, 2026 | 0.13 | 0.11 | +18.2% |
| Jan 29, 2026 | 0.12 | 0.11 | +9.1% |
| Oct 23, 2025 | 0.05 | 0.12 | −58.3% |
| Jul 24, 2025 | 0.14 | 0.10 | +40.0% |
| May 1, 2025 | 0.11 | 0.08 | +37.5% |
| Feb 20, 2025 | 0.05 | 0.08 | −37.5% |
| Oct 23, 2024 | 0.10 | 0.09 | +13.4% |
| Jul 25, 2024 | 0.09 | 0.07 | +34.6% |
3.6%of the share price, paid each year
On $1,000 invested$36a year at today's yield, before tax
+11.2%2020 to 2025
Raised4 yearsin a row, in our data
Paid per share, each year
$0.09 in 2015 → $0.18 in 2025
How safe it looks
42.9% of its profit
Room to growStretchedMore than it earns: -232.6%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
39No pass
Benjamin Graham
66Pass
Philip Fisher
55No pass
Peter Lynch
30No pass
Joel Greenblatt
21No pass
Charlie Munger
45No pass
Terry Smith
35No pass
Questions about Lloyds Banking Group
Is Lloyds Banking Group a good stock to buy?
A strong, very profitable business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Lloyds Banking Group AI analysis
What does Lloyds Banking Group do?
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. It is in Banks - Regional, based in London, United Kingdom, with 60,061 employees.
Does Lloyds Banking Group pay a dividend?
Yes. At today's price the dividend is 3.6% a year, about 43% of its yearly profit. In 2025 it paid out $2.00 billion in dividends.
Is Lloyds Banking Group stock halal?
No. Lloyds Banking Group does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Lloyds Banking Group stock done over the past year?
Up 2.8% over the past twelve months, to $5.17. It traded between $4.52 and $6.28 and is 17.7% below its high.
Who are Lloyds Banking Group's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Lloyds Banking Group's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.