Earnings Data
Report Date
Jul 30, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.03Last Year’s EPS
0.02Same Quarter Last Year
Moderate Buy
Based on 11 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a clearly positive operational and financial momentum: sustained revenue growth (NII +6%, OOI +9%), strong balance sheet expansion (lending +5%, deposits +3%), sizeable cost savings (~GBP 1.9bn) and scaled digital/AI benefits, combined with upgraded 2026 targets (RoTE >16%, NII guidance ~GBP 14.9bn, capital generation >200 bps) and constructive capital returns (15% dividend increase and up to GBP 1.75bn buyback). Notable headwinds and one-off items — principally the GBP 800m motor remediation charge, elevated cost/income in 2025, mortgage margin pressure and some quarter‑to‑quarter deposit volatility — were acknowledged and quantified, but management presented actionable plans and guidance to more than offset these in 2026. Overall, positives materially outweigh the negatives.Company Guidance
Strong overall financial results
Statutory profit after tax of GBP 4.8 billion; net income GBP 18.3 billion, up 7% year-on-year; return on tangible equity 12.9% (14.8% excluding Q3 motor provision).
Net interest income and margin expansion
Net interest income (NII) of GBP 13.6 billion, up 6% year-on-year; average interest-earning assets up ~3%; full-year NIM 3.06% (up 11 basis points) and Q4 NIM 3.10% (up 4 basis points); guidance for NII of around GBP 14.9 billion in 2026.
Other operating income growth and diversification
Other operating income (OOI) GBP 6.1 billion, up 9% year-on-year; growth broad-based (Retail +12%, Insurance/Pensions/Investments +11%, Equity investments +15%); OOI expected to benefit from full Lloyds Wealth acquisition with expected ~GBP 0.9 billion other income contribution for 2026 strategic initiatives.
Balance sheet momentum — lending and deposits
Lending balances closed at GBP 481 billion, up GBP 22 billion (5%); mortgages GBP 323 billion, up GBP 10.8 billion (3%) with a ~19% flow share; total deposits GBP 496.5 billion, up GBP 13.8 billion (3%) for the year.
Capital generation and shareholder returns
Capital generation of 147 basis points in 2025 (178 bps excluding motor provision); CET1 ratio 13.2%; Board recommending a 15% increase in ordinary dividend (total 3.65p) and a share buyback of up to GBP 1.75 billion (total capital return up to GBP 3.9 billion, +8% vs 2024); target to consider excess capital distributions semi-annually and 2026 capital generation expected >200 bps.
Strategic initiative delivery and efficiency gains
Circa GBP 1.4 billion of additional revenue from strategic initiatives to date and upgraded 2026 target to circa GBP 2 billion; circa GBP 1.9 billion of gross cost savings realized since 2021; target cost/income ratio below 50% in 2026 (operating expenses expected < GBP 9.9 billion).
Digital and AI progress
Scaled 50 Gen AI use cases into production in 2025 generating GBP 50 million of in-year P&L benefit; expect >GBP 100 million of Gen/agentic AI P&L benefit in 2026; circa 9,000 technology and data hires since 2021 and mobile app users up ~45% since 2021.
RWA optimisation and regulatory tailwind
Delivered GBP 24 billion of gross RWA optimisation since 2021; expect Basel 3.1 day‑1 RWA reduction of around GBP 6–8 billion on implementation (1 Jan 2027), supporting stronger capital headroom.
DE:LLD Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
DE:LLD Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 29, 2026 | €1.20 | €1.21 | +1.17% |
Jul 24, 2025 | €0.88 | €0.88 | 0.00% |
Feb 20, 2025 | €0.70 | €0.74 | +5.98% |
Jul 25, 2024 | €0.64 | €0.66 | +2.02% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Lloyds Banking Group PLC (DE:LLD) report earnings?
Lloyds Banking Group PLC (DE:LLD) is schdueled to report earning on Jul 30, 2026, Before Open (Confirmed).
What is Lloyds Banking Group PLC (DE:LLD) earnings time?
Lloyds Banking Group PLC (DE:LLD) earnings time is at Jul 30, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Lloyds Banking Group PLC stock?
The P/E ratio of Lloyds Banking is N/A.
What is DE:LLD EPS forecast?
DE:LLD EPS forecast for the fiscal quarter 2026 (Q2) is 0.03.