Stock LLOY LLOYDS BANKING GROUP PLC
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Financials Lloyds Banking Group plc

Equities

LLOY

GB0008706128

Banks

Market Closed - London S.E.
Other stock markets
 09:05:25 01/05/2024 pm IST 		5-day change 1st Jan Change
52.2 GBX +0.58% Intraday chart for Lloyds Banking Group plc +1.68% +9.41%
01/05 HSBC must prioritise Asian expertise in surprise CEO search RE
30/04 HSBC must prioritise Asian expertise in surprise CEO search RE

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 43,207 25,808 33,945 30,342 30,165 32,957 - -
Enterprise Value (EV) 1 43,207 25,808 33,945 30,342 30,165 32,957 32,957 32,957
P/E ratio 18.4 x 30.4 x 6.37 x 6.31 x 6.36 x 9.13 x 7.31 x 6.15 x
Yield 5.39% 1.56% 4.18% 5.29% - 5.74% 6.3% 6.94%
Capitalization / Revenue 2.39 x 1.69 x 2.09 x 1.65 x 1.6 x 1.82 x 1.75 x 1.67 x
EV / Revenue 2.39 x 1.69 x 2.09 x 1.65 x 1.6 x 1.82 x 1.75 x 1.67 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.93 x 0.52 x 0.64 x 0.66 x - 0.77 x 0.72 x 0.66 x
Nbr of stocks (in thousands) 6,91,31,850 7,08,23,910 7,10,14,218 6,68,17,904 6,32,25,307 6,31,36,931 - -
Reference price 2 0.6250 0.3644 0.4780 0.4541 0.4771 0.5220 0.5220 0.5220
Announcement Date 20/02/20 24/02/21 24/02/22 22/02/23 22/02/24 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 18,109 15,288 16,223 18,421 18,888 18,157 18,856 19,717
EBITDA - - - - - - - -
EBIT 1 8,822 6,440 6,833 8,958 8,117 7,255 8,318 9,040
Operating Margin 48.72% 42.12% 42.12% 48.63% 42.97% 39.96% 44.11% 45.85%
Earnings before Tax (EBT) 1 4,393 1,226 6,902 6,928 7,503 5,843 6,745 7,476
Net income 1 2,925 1,318 5,784 5,459 5,460 3,676 4,294 5,005
Net margin 16.15% 8.62% 35.65% 29.63% 28.91% 20.25% 22.77% 25.39%
EPS 2 0.0340 0.0120 0.0750 0.0720 0.0750 0.0572 0.0714 0.0849
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.0337 0.005700 0.0200 0.0240 - 0.0300 0.0329 0.0362
Announcement Date 20/02/20 24/02/21 24/02/22 22/02/23 22/02/24 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2019 S2 2020 S1 2020 S2 2021 S1 2021 Q4 2021 S2 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2022 S2 2023 Q1 2023 Q2 2023 S1 2023 Q3 2023 Q4 2023 S2 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 8,864 7,939 7,349 7,835 4,200 8,388 4,206 4,458 - 4,676 5,081 9,757 4,792 4,750 9,542 4,743 4,603 9,346 - - - -
EBITDA - - - - - - - - - - - - - - - - - - - - - -
EBIT - 3,537 2,903 - - - - - - - - - - 2,240 4,703 - 1,205 3,414 - - - -
Operating Margin - 44.55% 39.5% - - - - - - - - - - 47.16% 49.29% - 26.18% 36.53% - - - -
Earnings before Tax (EBT) 1,496 -602 1,828 3,905 968 2,997 1,623 2,038 - 1,508 1,759 3,267 2,260 1,610 3,870 1,858 1,775 3,633 - - - -
Net income 983 -234 1,320 3,611 360 1,960 1,204 1,622 - 1,209 1,500 2,676 1,641 - 2,572 1,420 1,234 2,888 - - - -
Net margin 11.09% -2.95% 17.96% 46.09% 8.57% 23.37% 28.63% 36.38% - 25.86% 29.52% 27.43% 34.24% - 26.95% 29.94% 26.81% 30.9% - - - -
EPS 1 0.007000 -0.003000 0.0150 0.0500 0.005000 0.0250 0.0150 0.0220 - 0.0150 0.0200 0.0360 0.0230 0.0160 0.0390 0.0200 0.0160 0.0360 0.0177 0.0148 0.0147 0.004280
Dividend per Share 0.0225 - 0.005700 0.006700 0.0133 0.0133 - 0.008000 0.008000 - 0.0160 0.0160 - - 0.009200 - - - - - - -
Announcement Date 20/02/20 30/07/20 24/02/21 29/07/21 24/02/22 24/02/22 27/04/22 27/07/22 27/07/22 27/10/22 22/02/23 22/02/23 03/05/23 26/07/23 26/07/23 25/10/23 22/02/24 22/02/24 24/04/24 - - -
1GBP
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 14.8% 3.7% 11.3% 13.5% - 10.2% 11.2% 11.9%
ROA (Net income/ Total Assets) 0.63% 0.15% 0.66% 0.62% - 0.43% 0.49% 0.54%
Assets 1 4,63,918 8,52,578 8,78,894 8,82,191 - 8,64,522 8,69,280 9,33,487
Book Value Per Share 2 0.6700 0.7000 0.7500 0.6900 - 0.6700 0.7300 0.7900
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 20/02/20 24/02/21 24/02/22 22/02/23 22/02/24 - - -
1GBP in Million2GBP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Lloyds Banking Group plc

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
18
Last Close Price
0.522 GBP
Average target price
0.6044 GBP
Spread / Average Target
+15.79%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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