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    L

    Lloyds Banking Group PLC ADR (LYG)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $5.48
    +0.01 (+0.18%)

    Market Cap: $78.84B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    53%(18/34)
    Avg Surprise
    +11.20%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.14
    Range$0.14 - $0.14
    1 analysts
    EPS Revisions
    1
    0
    7d
    0
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.14-3.5%
    60d ago$0.14-0.9%
    30d ago$0.14+0.4%
    7d ago$0.140.0%
    Current$0.14
    Revenue Consensus
    $5.6B
    Range$5.6B - $5.6B
    1 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.17
    Range$0.17 - $0.17
    1 analysts
    Revenue Consensus
    $5.7B
    Range$5.6B - $5.7B
    7 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.17---
    Sep 26EST
    		-$0.14---
    Jun 26
    Reported Jul 30
    		$0.13$0.14-7.14%Miss+8.3%
    Mar 26
    Reported Apr 29
    		$0.13$0.12+8.33%Beat+44.4%
    Dec 25
    Reported Jan 29
    		$0.12$0.11+9.09%Beat+97.0%
    Sep 25
    Reported Oct 23
    		$0.06$0.11-45.45%Miss-68.4%
    Jun 25
    Reported Jul 24
    		$0.12$0.10+20.00%Beat+39.2%
    Mar 25
    Reported May 1
    		$0.09$0.08+12.50%Beat+6.1%
    Dec 24
    Reported Feb 20
    		$0.06$0.08-21.32%Miss-29.0%
    Sep 24
    Reported Oct 23
    		$0.19$0.09+111.11%Beat+72.7%
    Jun 24
    Reported Jul 25
    		$0.09$0.09-4.22%Miss-77.9%
    Mar 24
    Reported Apr 24
    		$0.08$0.12-29.27%Miss-22.9%
    Dec 23
    Reported Feb 22
    		$0.09$0.09-1.72%Miss-21.4%
    Sep 23
    Reported Oct 25
    		$0.11$0.11+0.00%Beat+58.3%
    Jun 23
    Reported Jul 26
    		$0.39$0.09+333.33%Beat+289.2%
    Mar 23
    Reported May 3
    		$0.11$0.10+10.00%Beat+46.7%
    Dec 22
    Reported Feb 22
    		$0.11$0.11-0.73%Miss+14.2%
    Sep 22
    Reported Oct 27
    		$0.07$0.07-0.71%Miss-37.0%
    Jun 22
    Reported Jul 27
    		$0.10$0.10+0.20%Beat-36.2%
    Mar 22
    Reported Apr 27
    		$0.07$0.08-6.25%Miss+166.0%
    Dec 21
    Reported Feb 24
    		$0.10$0.09+6.22%Beat+30.1%
    Sep 21
    Reported Oct 28
    		$0.11$0.11+0.36%Beat+168.0%
    Jun 21
    Reported Jul 28
    		$0.16$0.16-1.81%Miss+353.8%
    Mar 21
    Reported Apr 28
    		$0.03$0.03-6.00%Miss-10.8%
    Dec 20
    Reported Feb 26
    		$0.07$0.07+5.00%Beat-7.5%
    Sep 20
    Reported Oct 29
    		$0.04$0.04+3.00%Beat+259.1%
    Jun 20
    Reported Jul 30
    		$-0.06$-0.06-3.17%Miss-167.2%
    Mar 20
    Reported Apr 30
    		$0.03$0.03+5.33%Beat-59.3%
    Dec 19
    Reported Feb 25
    		$0.08$0.08-0.63%Miss-12.6%
    Sep 19
    Reported Oct 31
    		$-0.03$-0.03+13.67%Beat-128.1%
    Jun 19
    Reported Jul 31
    		$0.09$0.10-7.90%Miss-16.9%
    Mar 19
    Reported May 2
    		$0.08$0.10-22.30%Miss-7.6%
    Dec 18
    Reported Feb 20
    		$0.09$0.08+13.75%Beat-7.9%
    Sep 18
    Reported Oct 25
    		$0.09$0.09+2.56%Beat-8.3%
    Jun 18
    Reported Jul 31
    		$0.11$0.11+0.73%Beat-8.6%
    Mar 18
    Reported Apr 25
    		$0.08$0.10-15.90%Miss+48.3%
    Dec 17
    Reported Feb 20
    		$0.10N/AN/ABeat+37.6%
    Sep 17
    Reported Oct 25
    		$0.10$0.00N/ABeat-
    Jun 17
    Reported Jul 27
    		$0.12$0.00N/ABeat-
    Mar 17
    Reported Apr 27
    		$0.06$0.00N/ABeat-
    Dec 16
    Reported Feb 22
    		$0.07N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield3.98%
    Forward Annual Dividend$0.22
    Payout Ratio48.16%
    FrequencySemi-Annual
    Pay MonthsMay, Sep

    Growth

    3Y CAGR+18.93%
    5Y CAGR+11.19%
    LYG dividend history and ex-dividend datesRun LYG in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio12.45EV/EBITDA13.68x
    Price/FCF-5.81xFCF Yield-17.21%
    Profitability
    Profit Margin26.40%Operating Margin45.00%
    ROE11.30%ROICN/A
    Financial Health
    Debt/Equity2.18xInterest Coverage0.31x
    Current Ratio0.12xQuick Ratio0.12x
    Trading Statistics
    Beta0.94Avg Volume17.16M
    52-Week High$6.2552-Week Low$4.28

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$5.46
    SMA 20$5.58
    SMA 50$5.84
    SMA 200$5.54
    EMA 10$5.49
    EMA 20$5.58
    EMA 50$5.72
    EMA 200$5.47

    MACD

    Line: -0.12Signal: -0.12Hist: 0.00

    ADX

    ADX: 30.9+DI: 25.9-DI: 33.9

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down80.0
    PSAR$5.31

    Bollinger Bands

    Upper Band$5.89
    Lower Band$5.27
    %B Position1114%(Upper)
    Band Width0.34

    RSI (14-Day)

    Neutral
    41.0

    Momentum Oscillators

    Stoch %K37.4
    Stoch %D34.7
    Williams %R-63.2
    ROC (10d)1.1%
    Momentum0.06
    CCI (20d)-38.3
    MFI (14d)47.8

    Volatility Measures

    ATR (14d)$0.12(2.2%)
    StdDev (20d)0.16
    Hist Vol25.8%(Moderate)

    Volume Flow

    VWAP$5.50
    OBV261.3M
    AD Line-16.7B
    CMF (20d)-0.101

    Volume Metrics

    Avg Vol (20d)17.3M
    Vol Ratio2.2x(High)
    VWMA (20d)$5.56

    Pivot Points

    R3$5.57
    R2$5.53
    R1$5.50
    Pivot Point$5.46
    S1$5.43
    S2$5.39
    S3$5.36

    Advanced Oscillators

    TSI-22.75
    Ultimate Osc45.9
    KST-74.71

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$13.84B$5.18B$50.75B$-4,328,000,000$13.88B$4.70B$24.14B$-5,106,000,000$14.20B$4.39B$20.07B$-1,944,000,000
    Cost of RevenueN/AN/AN/A$9.57BN/AN/AN/AN/AN/AN/AN/AN/A
    Gross Profit$13.84B$5.18B$50.75B$-4,328,000,000$13.88B$4.70B$24.14B$-5,106,000,000$14.20B$4.39B$20.07B$-1,944,000,000
    Operating Expenses$11.57B$3.16B$48.77B$-5,502,000,000$11.90B$3.18B$23.31B$-6,929,000,000$12.50B$2.76B$18.29B$-3,802,000,000
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating Income$2.27B$2.02B$1.98B$1.17B$1.99B$1.52B$824.00M$1.82B$1.70B$1.63B$1.77B$1.86B
    Interest Income$11.74B$3.48B$20.94B$5.56B$12.16B$3.20B$22.16B$6.31B$12.39B$3.04B$17.94B$2.94B
    Interest Expense$0$0$0$0$0$0$0$0$0$0$0$2.94B
    Income Before Tax$2.27B$2.02B$1.98B$1.17B$1.99B$1.52B$824.00M$1.82B$1.70B$1.63B$1.77B$1.86B
    Income Tax Expense$700.00M$470.00M$548.00M$396.00M$577.00M$383.00M$124.00M$490.00M$467.00M$413.00M$541.00M$438.00M
    Net Income$1.53B$1.53B$1.27B$738.00M$1.51B$1.13B$644.00M$1.36B$1.21B$1.22B$1.23B$1.41B
    EBITDA$2.27B$2.02B$1.98B$1.17B$1.99B$1.52B$824.00M$1.82B$1.70B$1.63B$1.77B$1.86B
    EBITN/AN/AN/AN/AN/AN/A$824.00M$5.56B$1.70B$3.26B$1.77B$1.86B
    * Some calculated fields are derived from available data when not provided by source

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    News

    RBC Capital downgrades Lloyds to 'sector perform'

    RBC Capital Markets downgraded Lloyds Banking Group to 'sector perform' from 'outperform', reducing its price target to 115p from 124p. The downgrade reflects RBC's cautious view on competition in the UK deposit market...

    Sharecast.com•10/16/26•Bearish

    Lloyds Banking Group PLC (NYSE:LYG) Sees Significant Growth in Short Interest

    Lloyds Banking Group PLC (NYSE:LYG) experienced a significant 81.6% increase in short interest during September, reaching 16.73 million shares. This surge, along with a cut in its dividend and missed earnings estimates...

    MarketBeat•10/15/26•Somewhat-Bearish

    Lloyds Banking Group Senior Executives Acquire SIP Shares on 9 October 2026

    Seven senior executives at Lloyds Banking Group acquired Partnership Shares and were granted Matching Shares under the company's Share Incentive Plan on October 9, 2026. The transactions, disclosed on October 12...

    Kalkine Media•10/13/26•Neutral

    Lloyds Banking Group advances Monday, outperforms market

    Lloyds Banking Group PLC (LLOY) saw its shares advance by 2.36% to £1.04 on Monday, outperforming the broader market as the FTSE 100 Index rose by 0.99%. Despite this gain...

    MarketWatch•10/12/26•Neutral

    Is Lloyds Banking Group (LSE:LLOY) Back In The Retail Top Ten After A Weak Month For UK Banks?

    Lloyds Banking Group (LSE:LLOY) has re-entered the top ten most purchased shares on a major UK investing platform...

    Kalkine Media•10/12/26•Neutral

    LYG Valuation and Fair Value

    P/E
    12.5x
    Forward P/E
    9.2x
    EV/EBITDA
    13.7x
    P/FCF
    -5.8x
    PEG
    0.6x
    P/B
    1.3x
    See GNG's fair value

    LYG Profitability: Margins, ROIC and FCF

    Gross margin
    100.0%
    Operating margin
    45.0%
    Net margin
    26.4%
    ROE
    11.3%
    FCF yield
    -17.2%

    LYG Competitors

    CompanyTicker
    Moodys CorporationMCO
    The Travelers Companies IncTRV
    Brookfield CorpBN
    Barclays PLC ADRBCS
    KKR & Co. Inc.KKR
    Nu Holdings LtdNU
    Marsh & McLennan Companies, Inc.MRSH
    Manulife Financial CorpMFC

    Sector: Financial Services

    LYG Analyst Ratings

    Consensus
    Hold
    Analysts
    4
    Strong Buy
    0
    Buy
    1
    Hold
    3
    Sell
    0
    Strong Sell
    0

    LYG Bull Case vs Bear Case

    Bull case

    • LYG has a 26.4% net profit margin.
    • LYG grew quarterly revenue 12.3% year over year.

    Bear case

    • LYG has a debt-to-equity ratio of 2.2x.

    LYG Earnings: Beat Rate and Next Report

    Beat rate
    5 of 8 quarters (62.5%)
    Average surprise
    10.9%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.14
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 1 down

    LYG Dividend

    Forward yield
    4.0%
    Payout ratio
    48.2%
    3Y DPS growth
    18.9%
    5Y DPS growth
    11.2%
    Pay months
    May, Sep
    LYG dividend history

    Frequently Asked Questions About LYG

    What is LYG's current dividend yield?

    Lloyds Banking Group PLC ADR (LYG) has a forward dividend yield of 3.98%.

    Does LYG pay dividends?

    Yes, Lloyds Banking Group PLC ADR pays dividends with a forward dividend yield of 3.98%.

    What is LYG's P/E ratio?

    Lloyds Banking Group PLC ADR has a price-to-earnings (P/E) ratio of 12.45.

    What is LYG's market cap?

    Lloyds Banking Group PLC ADR (LYG) has a market capitalization of $78.84B with a current stock price of $5.48.

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