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LLOY Stock Chart & Stats
113.50 p
1.00 p(0.88%)
At close: 4:00 PM EDT
113.50 p
1.00 p(0.88%)
Day’s Range― - ―
52-Week Range77.38 p - 117.90 p
Previous CloseN/A
Volume18.06M
Average Volume (3M)148.90M
Market Cap
£66.59B
Enterprise Value143.28K
Total Cash (Recent Filing)£62.13B
Total Debt (Recent Filing)£100.75B
Price to Earnings (P/E)20.3
Beta1.56
Next Earnings
Feb 04, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.18%
Share Statistics
EPS (TTM)0.08
Shares Outstanding58,145,990,000
10 Day Avg. Volume133,856,645
30 Day Avg. Volume148,899,935
Financial Highlights & Ratios
PEG Ratio1.21
Price to Book (P/B)1.23
Price to Sales (P/S)1.43
P/FCF Ratio-91.92
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£127.09Price Target Upside11.97% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering11
EPS Forecast (FY)0.1
Revenue Forecast (FY)£21.02B
Bulls Say, Bears Say
Bulls Say
Market Leadership & ScaleLloyds’ large lending stock and half‑trillion deposit base create a durable funding advantage and distribution scale. This supports stable net interest income generation, cross‑sell economics across retail, mortgages and business banking, and resilience versus smaller UK competitors over the medium term.
Capital Generation & ReturnsConsistent capital generation with a CET1 buffer near management’s 13% target underpins both regulatory resilience and progressive shareholder returns. Strong capital conversion supports buybacks and dividends while still providing headroom for lending growth and planned strategic investments over the next several years.
Diversified Income & AI-led StrategyGrowing non‑interest income and a large, explicit tech/AI investment plan diversify earnings away from NII cyclicality. Structural initiatives (digital wallets, bancassurance connectivity, AI agentic pilots) increase fee pools and productivity potential, supporting a more resilient, higher‑quality revenue mix long term.
Bears Say
Rising LeverageA marked 2025 leverage step‑up materially increases balance‑sheet risk and sensitivity to funding stress or regulatory changes. Higher debt relative to equity reduces flexibility for capital allocation, magnifies earnings volatility from credit losses or interest moves, and raises scrutiny on capital management.
Volatile Cash GenerationWeaker and inconsistent cash conversion reduces financial flexibility for investment, deleveraging and shareholder returns. Persistent negative free cash flow limits the firm’s buffer against shocks, making planned heavy tech spending and buybacks more dependent on forecasted improvements than on stable internal cash generation.
Margin & Deposit PressureStructural competition for deposits and ongoing SVR runoff compresses net interest margin potential in a UK‑centric book. This creates a sustained headwind to core earnings unless offset by pricing power, product repricing, or higher fee income, and increases reliance on cost savings and strategic diversification to hit targets.
Lloyds Banking News
LLOY FAQ
What was Lloyds Banking Group PLC’s price range in the past 12 months?
Lloyds Banking Group PLC lowest share price was 77.38 p and its highest was 117.90 p in the past 12 months.
What is Lloyds Banking Group PLC’s market cap?
Lloyds Banking Group PLC’s market cap is £66.59B.
When is Lloyds Banking Group PLC’s upcoming earnings report date?
Lloyds Banking Group PLC’s upcoming earnings report date is Feb 04, 2027 which is in 182 days.
How were Lloyds Banking Group PLC’s earnings last quarter?
Lloyds Banking Group PLC released its earnings results on Jul 30, 2026. The company reported 0.024 p earnings per share for the quarter, the consensus estimate of 0.024 p by 0 p.
Is Lloyds Banking Group PLC overvalued?
According to Wall Street analysts Lloyds Banking Group PLC’s price is currently Undervalued.
Does Lloyds Banking Group PLC pay dividends?
Lloyds Banking Group PLC pays a Semiannually dividend of 2.43 p which represents an annual dividend yield of 3.18%. See more information on Lloyds Banking Group PLC dividends here
What is Lloyds Banking Group PLC’s EPS estimate?
Lloyds Banking Group PLC’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Lloyds Banking Group PLC have?
Lloyds Banking Group PLC has 58,145,990,000 shares outstanding.
What happened to Lloyds Banking Group PLC’s price movement after its last earnings report?
Lloyds Banking Group PLC reported an EPS of 0.024 p in its last earnings report, expectations of 0.024 p. Following the earnings report the stock price went up 3.862%.
Which hedge fund is a major shareholder of Lloyds Banking Group PLC?
Currently, no hedge funds are holding shares in GB:LLOY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Lloyds Banking Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
£127.09 (11.97% Upside)
£127.09 (11.97% Upside)
Blogger Sentiment
Bearish
GB:LLOY Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth £3.3M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
40.17%
12-Months-Change
Fundamentals
Return on Equity
3.18%
Trailing 12-Months
Asset Growth
8.14%
Trailing 12-Months
Company Description
Lloyds Banking Group PLC
Lloyds Banking Group plc (LLOY) is a UK-focused financial services group providing retail and commercial banking, insurance and wealth-related products, and other financial services. Through well-known brands including Lloyds Bank, Halifax, Bank of Scotland and Scottish Widows, the group offers current accounts, savings, mortgages, personal and business lending, cards, payments, and related digital banking services, alongside insurance, pensions and investment products primarily for customers in the United Kingdom.
LLOY Stock 12 Month Forecast
Average Price Target
127.09 p
▲(11.97% Upside)
Technical Analysis
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