Lloyds Banking Group (ADR)
Serves UK households and businesses across banking, insurance, pensions and investments.
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Profile
Serves UK households and businesses through retail and commercial banking, alongside insurance, pensions and investments. Retail is the largest operating division, while the group’s earnings and credit performance remain tied to UK household, housing, business-credit, interest-rate and regulatory conditions.
Provides current and savings accounts, mortgages, cards, personal loans, motor finance and private banking through Retail, its largest customer-facing division. Commercial Banking adds business lending, transaction banking, working capital, merchant services and cash management.
Extends the franchise through Insurance, Pensions and Investments, covering protection, general insurance, workplace and individual pensions, retirement products, investments and share dealing. Shared digital, data and operating capabilities connect Lloyds Bank, Halifax, Bank of Scotland and Scottish Widows, although Halifax is transitioning to Lloyds.
Operates primarily in the UK, concentrating customer relationships and credit exposure in one national market. The business therefore depends on UK household finances, housing, business credit, interest rates and regulation; historical motor-finance commission arrangements remain under an unresolved redress process.
Company facts
Categories
Key statistics
Year to date +9.9% · Average volume (30d) 13.5M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating |
|---|---|---|---|---|
| Apr 30, 2026 | UBS | Upgrade | Neutral | Buy |
| Apr 9, 2026 | Citigroup | Upgrade | Neutral | Buy |
| Mar 11, 2025 | Keefe, Bruyette & Woods | Downgrade | Outperform | Market Perform |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 30, 2026Q2 FY26 | $0.14 | $0.13 | −7.1% | $6.86B | $6.66B | −2.9% | +6.47% |
| Apr 29, 2026Q1 FY26 | $0.11 | $0.13 | +18.2% | $6.60B | $6.46B | −2.2% | +3.62% |
| Jan 29, 2026Q4 FY25 | $0.11 | $0.12 | +9.1% | $6.52B | $6.53B | +0.1% | +0.84% |
| Oct 23, 2025Q3 FY25 | $0.12 | $0.05 | −58.3% | $6.81B | −$5.82B | −185.5% | +0.66% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $6.35B | $18.79B | −$5.86B | $68.69B | $7.02B | $18.74B | |
| Gross profit | $6.35B | $18.79B | −$5.86B | $68.69B | $7.02B | $18.74B | |
| Operating income | $2.05B | $2.69B | $1.59B | $2.68B | $2.74B | $3.07B | |
| Net income | $1.53B | $2.05B | $998.9M | $1.72B | $2.07B | $2.08B | |
| Diluted EPS | $0.09 | $0.11 | $0.06 | $0.12 | $0.13 | $0.13 | |
| Gross margin | 100.0% | 100.0% | — | 100.0% | 100.0% | 100.0% | |
| Operating margin | 32.3% | 14.3% | — | 3.9% | 39.1% | 16.4% |
Fiscal years (4-quarter sums)FY21 $27.36B · FY22 $29.32B · FY23 $45.98B · FY24 $50.91B · FY25 $87.98B
Balance sheet, Jun 30, 2026Cash & short-term investments $83.28B · Total debt $138.42B · Total assets $1.35T · Shareholders' equity $63.63B
Dividends
Raised for 4 straight years. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 10, 2026 | Aug 10 | Sep 25 | $0.084 | cut from $0.1301 |
| Apr 10, 2026 | Apr 10 | May 29 | $0.1301 | raised from $0.066 |
| Aug 4, 2025 | Aug 4 | Sep 19 | $0.066 | cut from $0.1123 |
| Apr 11, 2025 | Apr 11 | May 30 | $0.1123 | raised from $0.0541 |
| Aug 5, 2024 | Aug 5 | Sep 20 | $0.0541 | cut from $0.0915 |
| Apr 11, 2024 | Apr 12 | May 31 | $0.0915 | raised from $0.0451 |
| Aug 4, 2023 | Aug 7 | Sep 22 | $0.0451 | cut from $0.0776 |
| Apr 13, 2023 | Apr 14 | Jun 2 | $0.0776 | raised from $0.038 |
Ownership
Shares outstanding 14.51B · Float 14.51B · 100.0% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| FMR LLC | 51.01M | 0.35% | 13F | Aug 13, 2026 |
| Mondrian Investment Partners Ltd | 49.95M | 0.34% | 13F | Jul 30, 2026 |
| Morgan Stanley | 42.67M | 0.29% | 13F | Aug 13, 2026 |
| JPMorgan Chase & Co | 31.76M | 0.22% | 13F | Aug 12, 2026 |
| Goldman Sachs Group Inc | 26.50M | 0.18% | 13F | Aug 14, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
View detailsPeers
- NatWest Group (ADR)
Closest UK peer across retail, SME, commercial and private banking
- Barclays (ADR)
Broad UK overlap in retail, business, corporate and wealth services
- Banco Santander (ADR)
UK retail, mortgage, motor-finance and business-banking rival
- HSBC (ADR)
UK retail, wealth and commercial overlap with global reach
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Lloyds Banking Group (ADR) | $5.95 | +0.42% | $85.92B | 13.7 | 8.6 | 3.3 | −64.8% |
| NatWest Group (ADR) | $18.38 | −0.03% | $36.59B | 5.2 | 13.9 | 1.8 | +51.9% |
| Barclays (ADR) | $26.91 | +0.15% | $90.56B | 10.2 | 6.1 | 2.2 | −55.9% |
| Banco Santander (ADR) | $14.74 | +0.51% | $215.33B | 12.3 | 10.6 | 2.7 | +6.2% |
| HSBC (ADR) | $104.30 | +0.76% | $355.80B | 14.9 | 11.9 | 2.8 | +32.2% |
| Median | 11.3 | 11.3 | 2.5 | +19.2% |