Lloyds Banking Group plc (LLOY.L)
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom. It operates through three segments: Retail; Commercial Banking; and Insurance, Pensions, and Investments. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, motor finance, unsecured loans, leasing solutions, and credit cards to personal and small business customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, and debt financing services to small and medium-sized entities, corporates, and institutions. The Insurance, Pensions, and Investments segment offers insurance, investment, and pension management products and services. It also provides digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows brands. Lloyds Banking Group plc was founded in 1695 and is based in London, the United Kingdom.
Company Info
| ISIN | GB0008706128 |
|---|---|
| Sector | Financial Services |
| Industry | Banks - Regional |
Highlights
| Market Cap | £33.17B |
|---|---|
| EPS (TTM) | £0.07 |
| PE Ratio | 7.63 |
| PEG Ratio | 1.62 |
| Total Revenue (TTM) | £25.40B |
| Gross Profit (TTM) | £29.13B |
| EBITDA (TTM) | £3.08B |
| Year Range | £38.88 - £64.67 |
| Target Price | £61.87 |
Share Price Chart
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Popular comparisons: LLOY.L vs. NWG.L, LLOY.L vs. RMAP.L, LLOY.L vs. HSBC, LLOY.L vs. RYCEY, LLOY.L vs. BA.L, LLOY.L vs. SPY, LLOY.L vs. FITGX, LLOY.L vs. BLDIX, LLOY.L vs. VWRL.L
Performance
Performance Chart
The chart shows the growth of an initial investment of £10,000 in Lloyds Banking Group plc, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
Returns By Period
Lloyds Banking Group plc had a return of 18.04% year-to-date (YTD) and 40.29% in the last 12 months. Over the past 10 years, Lloyds Banking Group plc had an annualized return of 0.91%, while the S&P 500 had an annualized return of 10.98%, indicating that Lloyds Banking Group plc did not perform as well as the benchmark.
| Period | Return | Benchmark |
|---|---|---|
| Year-To-Date | 18.04% | 19.62% |
| 1 month | -8.25% | -0.06% |
| 6 months | 4.43% | 12.66% |
| 1 year | 40.29% | 34.63% |
| 5 years (annualized) | 3.87% | 13.25% |
| 10 years (annualized) | 0.91% | 10.98% |
Monthly Returns
The table below presents the monthly returns of LLOY.L, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | -10.85% | 9.49% | 11.14% | 3.87% | 6.97% | -1.40% | 8.84% | -0.03% | 0.51% | 18.04% | |||
| 2023 | 15.79% | 0.08% | -9.40% | 4.45% | -8.36% | -1.31% | 3.09% | -3.69% | 4.76% | -9.98% | 8.84% | 9.75% | 10.91% |
| 2022 | 6.80% | -5.12% | -2.85% | 0.46% | -2.16% | -5.75% | 6.94% | -1.29% | -5.67% | 1.52% | 11.63% | -3.19% | -0.38% |
| 2021 | -9.44% | 18.18% | 9.06% | 8.23% | 9.81% | -6.41% | -2.26% | -2.70% | 6.38% | 7.84% | -6.81% | 2.14% | 34.81% |
| 2020 | -9.14% | -11.60% | -36.25% | 8.99% | -7.35% | 4.37% | -15.69% | 7.86% | -7.04% | 6.34% | 27.10% | 2.30% | -36.92% |
| 2019 | 11.67% | 9.74% | -2.20% | 4.13% | -8.49% | -1.17% | -5.76% | -4.43% | 8.61% | 4.95% | 7.66% | 2.21% | 27.49% |
| 2018 | 2.13% | -1.02% | -6.02% | 3.13% | -2.24% | -0.25% | -1.06% | -3.23% | -0.05% | -3.46% | -3.25% | -6.34% | -20.02% |
| 2017 | 3.87% | 5.76% | -3.42% | 7.97% | 2.01% | -6.29% | -0.86% | -1.21% | 6.13% | 0.83% | -3.35% | 3.12% | 14.37% |
| 2016 | -10.41% | 10.60% | -6.05% | 1.59% | 7.38% | -24.94% | -1.68% | 11.67% | -8.09% | 4.97% | 1.07% | 8.02% | -11.86% |
| 2015 | -2.73% | 7.12% | -0.91% | -0.21% | 13.43% | -2.88% | -2.39% | -7.00% | -2.87% | -1.90% | -1.04% | 0.15% | -2.71% |
| 2014 | 5.60% | -0.92% | -9.55% | 0.95% | 3.32% | -4.64% | -0.00% | 2.72% | 0.79% | 0.34% | 4.17% | -5.64% | -3.88% |
| 2013 | 7.82% | 5.44% | -10.61% | 11.58% | 14.32% | 1.69% | 8.41% | 5.96% | 1.42% | 5.37% | -0.17% | 1.91% | 64.62% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of LLOY.L is 74, suggesting that the investment has average results relative to other stocks in terms of risk-adjusted performance. This ranking is determined by the cumulative values of the indicators listed below.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Lloyds Banking Group plc (LLOY.L) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
Dividends
Dividend History
Lloyds Banking Group plc provided a 5.43% dividend yield over the last twelve months, with an annual payout of £0.03 per share. The company has been increasing its dividends for 2 consecutive years.
| Period | TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | £0.03 | £0.03 | £0.02 | £0.01 | £0.02 | £0.03 | £0.03 | £0.03 | £0.87 | £0.76 |
Dividend yield | 5.43% | 5.28% | 4.69% | 2.59% | 6.17% | 5.22% | 6.02% | 4.70% | 139.18% | 103.67% |
Monthly Dividends
The table displays the monthly dividend distributions for Lloyds Banking Group plc. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | £0.00 | £0.00 | £0.00 | £0.02 | £0.00 | £0.00 | £0.00 | £0.01 | £0.00 | £0.00 | £0.03 | ||
| 2023 | £0.00 | £0.00 | £0.00 | £0.02 | £0.00 | £0.00 | £0.00 | £0.01 | £0.00 | £0.00 | £0.00 | £0.00 | £0.03 |
| 2022 | £0.00 | £0.00 | £0.00 | £0.01 | £0.00 | £0.00 | £0.00 | £0.01 | £0.00 | £0.00 | £0.00 | £0.00 | £0.02 |
| 2021 | £0.00 | £0.00 | £0.00 | £0.01 | £0.00 | £0.00 | £0.00 | £0.01 | £0.00 | £0.00 | £0.00 | £0.00 | £0.01 |
| 2020 | £0.00 | £0.00 | £0.00 | £0.02 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.02 |
| 2019 | £0.00 | £0.00 | £0.00 | £0.02 | £0.00 | £0.00 | £0.00 | £0.01 | £0.00 | £0.00 | £0.00 | £0.00 | £0.03 |
| 2018 | £0.00 | £0.00 | £0.00 | £0.02 | £0.00 | £0.00 | £0.00 | £0.01 | £0.00 | £0.00 | £0.00 | £0.00 | £0.03 |
| 2017 | £0.00 | £0.00 | £0.00 | £0.02 | £0.00 | £0.00 | £0.00 | £0.01 | £0.00 | £0.00 | £0.00 | £0.00 | £0.03 |
| 2016 | £0.00 | £0.00 | £0.00 | £0.02 | £0.00 | £0.00 | £0.00 | £0.85 | £0.00 | £0.00 | £0.00 | £0.00 | £0.87 |
| 2015 | £0.01 | £0.00 | £0.00 | £0.00 | £0.75 | £0.00 | £0.00 | £0.00 | £0.00 | £0.76 |
Dividend Yield & Payout
Dividend Yield
Payout Ratio
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
Worst Drawdowns
The table below displays the maximum drawdowns of the Lloyds Banking Group plc. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Lloyds Banking Group plc was 90.48%, occurring on Mar 5, 2009. The portfolio has not yet recovered.
The current Lloyds Banking Group plc drawdown is 59.95%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -90.48% | May 8, 2007 | 465 | Mar 5, 2009 | — | — | — |
| -62.8% | Apr 14, 1999 | 988 | Mar 12, 2003 | 908 | Oct 13, 2006 | 1896 |
| -45.87% | Apr 15, 1998 | 121 | Oct 5, 1998 | 130 | Apr 13, 1999 | 251 |
| -31.49% | Jan 25, 1994 | 114 | Jul 7, 1994 | 318 | Oct 9, 1995 | 432 |
| -30.43% | Apr 15, 1991 | 165 | Dec 5, 1991 | 278 | Jan 20, 1993 | 443 |
Volatility
Volatility Chart
The current Lloyds Banking Group plc volatility is 9.84%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Financials
Financial Performance
Valuation
The Valuation section provides an assessment of the market value of Lloyds Banking Group plc compared to its peers in the Banks - Regional industry.
PE Ratio
The chart displays the price to earnings (P/E) ratio for LLOY.L in comparison to other companies of the Banks - Regional industry. Currently, LLOY.L has a PE value of 7.6. This PE value is considered to be low compared to the rest of the industry.PEG Ratio
The chart displays the price to earnings to growth (PEG) ratio for LLOY.L in comparison to other companies of the Banks - Regional industry. Currently, LLOY.L has a PEG value of 1.6. This PEG ratio falls in the average range for the industry.Historical P/E Ratio Chart
The chart below displays the historical trend of the price-to-earnings (P/E) ratio for Lloyds Banking Group plc.
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Income Statement
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