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Lloyds Banking Group PLC ADR

Company price
5.09 USD -0.09 ( 1.74%)
Last update at 2026-11-06T21:00:00Z
VOLUME
30697198
Market Cap
84923.49M
P/E
13.67

Momentum Score

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Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services for retail and commercial customers in the United Kingdom. It operates in 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, credit cards, unsecured loans, motor finance, and leasing solutions to personal customers. Its Commercial Banking segment provides lending, transactional banking, working capital management, debt financing, and risk management services to small and medium businesses, corporates, and institutions. The Insurance, Pensions and Investments segment offers insurance, investment, and pension management products and services. It also provides life assurance; and digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, Schroders Personal Wealth, Black Horse, Lex Autolease, Birmingham Midshires, LDC, AMC, Embark Group, Lloyds Living, Cavendish Online, Tusker, and HGP brands. The company was formerly known as Lloyds TSB Group plc and changed its name to Lloyds Banking Group plc in January 2009. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.

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Day Price Range
5.07
Low
5.16
High
52 Week Price Range
4.20
Low
6.25
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
5.18
Dividend Yield
0.68%
Revenue TTM
19693.00M
Revenue Per Share
1.34
Gross Profit TTM
19693.00M
Debt / Equity
2.00
ROE
11.34%
Net Debt
38484.00M
ROCE
1.54%
Diluted EPS TTM
0.43

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 6661.00M 5971.00M 7503.00M 6928.00M 6902.00M
Minority interest -98.00M -56.00M -58.00M -96.00M -101.00M
Net income 4659.00M 4421.00M 5460.00M 5459.00M 5784.00M
Selling general administrative - - - 265.00M 210.00M
Selling and marketing expenses - - - 170.00M 161.00M
Gross profit 19422.00M 18603.00M 19199.00M 23.00M 16324.00M
Reconciled depreciation 3477.00M 3426.00M 2905.00M 2396.00M 2825.00M
Ebit - 5971.00M 7503.00M 10520.00M 6801.00M
Ebitda 6661.00M 9397.00M 10408.00M 12916.00M 9626.00M
Depreciation and amortization - 3426.00M 2905.00M 2396.00M 2825.00M
Operating income 6661.00M 5971.00M 7503.00M 10520.00M 6801.00M
Other operating expenses 58340.00M 31643.00M 26449.00M 9629.00M 10800.00M
Interest expense 17135.08M 19011.00M 14753.00M 3688.00M 3892.00M
Tax provision 1904.00M 1494.00M 1985.00M 1373.00M 1017.00M
Interest income 30749.00M 31288.00M 28051.00M 17645.00M 13258.00M
Net interest income 13230.00M 12277.00M 13298.00M 13957.00M 9366.00M
Income tax expense 1904.00M 1494.00M 1985.00M 1373.00M 1017.00M
Total revenue 65001.00M 37614.00M 33952.00M 23.00M 16324.00M
Total operating expenses 12761.00M 12632.00M 11696.00M 9729.00M 10800.00M
Cost of revenue 45579.00M 19011.00M 14753.00M - -
Total other income expense net - -3309.00M -3550.00M -3592.00M 101.00M
Net income from continuing ops 4757.00M 4477.00M 5518.00M 5555.00M 5885.00M
Net income applicable to common shares 4196.00M 3923.00M 4933.00M 5021.00M 5355.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 944072.00M 906697.00M 881453.00M 877829.00M 886525.00M
Intangible assets 5583.00M 5440.00M 5508.00M 4786.00M 4196.00M
Earning assets - - - - 318547.00M
Other current assets 1792.00M 1634.00M 1455.00M 2111.00M 531331.00M
Total liab 896205.00M 860809.00M 834088.00M 830308.00M 84660.00M
Total stockholder equity 47668.00M 45716.00M 47164.00M 47277.00M 52917.00M
Deferred long term liab - - - 54.00M 64.00M
Other current liab 511382.00M 500003.00M 479084.00M 55560.00M 61628.00M
Common stock 5889.00M 6062.00M 6358.00M 6729.00M 7102.00M
Capital stock 5889.00M 6062.00M 6358.00M 6729.00M 7102.00M
Retained earnings 6291.00M 5912.00M 6790.00M 10145.00M 10241.00M
Other liab - - - 128488.00M 145897.00M
Good will 3010.00M 2748.00M 2798.00M 2655.00M 2320.00M
Other assets 644517.14M 8033.00M 1206.00M 567581.00M 531331.00M
Cash 56661.00M 62705.00M 78110.00M 91630.00M 76567.00M
Total current liabilities 511382.00M 500048.00M 479123.00M 476344.00M 620654.00M
Current deferred revenue - - -1429.00M 476344.00M -
Net debt 38484.00M 25817.00M 15558.00M -7081.00M 8093.00M
Short term debt 40616.48M - 39095.00M - -
Short long term debt total 95145.00M 88522.00M 93668.00M 84549.00M 84660.00M
Other stockholder equity 35488.00M 33742.00M 34016.00M 30403.00M 35574.00M
Property plant equipment 14916.00M 13397.00M 12530.00M 10660.00M 7965.00M
Total current assets 63734.00M 69228.00M 79565.00M 91630.00M 76567.00M
Long term investments 269891.00M 242937.00M 269022.00M 203049.00M 264146.00M
Net tangible assets - - - 39836.00M 46401.00M
Short term investments 3935.00M 4363.00M 60386.00M -35778.00M -41909.00M
Net receivables 1346.00M 526.00M - 854.00M 510.00M
Long term debt 88165.00M 55083.00M 56147.00M 84549.00M 84660.00M
Accounts payable - - 1429.00M 482597.00M 483991.00M
Accumulated other comprehensive income - 15022.00M 15448.00M - -
Non currrent assets other 336033.00M 304838.00M 286633.00M -38896.00M -278627.00M
Non current assets total 880338.00M 837469.00M 801888.00M 218618.00M 278627.00M
Long term debt total 88165.00M 56344.00M 57779.00M 85866.00M 84660.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -5453.00M -7691.00M -9821.00M 510.00M -697.00M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -9965.71M -7691.00M -9821.00M 510.00M -2545.00M
Net borrowings -171.00M -7.00M -328.00M -1378.00M -557.00M
Total cash from financing activities -3998.41M -5931.00M -3500.00M -6613.00M -3234.00M
Change to operating activities - - - -1721.00M -19676.00M
Net income 4104.05M 4421.00M 7503.00M 6928.00M 6902.00M
Change in cash -10223.00M -18022.00M -6991.00M 16635.00M 912.00M
Begin period cash flow 70816.00M 88838.00M 95829.00M 79194.00M 75467.00M
End period cash flow 60593.00M 70816.00M 88838.00M 95829.00M 76379.00M
Total cash from operating activities 4334.88M -4393.00M 6810.00M 22011.00M 6621.00M
Issuance of capital stock 99.00M 187.00M 86.00M 31.00M 25.00M
Depreciation 3477.00M 1325.00M 2905.00M 2396.00M 2825.00M
Other cashflows from investing activities -0.00M -3148.00M 1027.00M 4365.00M 683.00M
Dividends paid 1956.17M 2326.00M 1651.00M -1475.00M -877.00M
Sale purchase of stock -1672.53M -2011.00M -1993.00M -2013.00M -897.00M
Other cashflows from financing activities -49.88M -1774.00M 386.00M -940.00M -429.00M
Change to netincome - - - -18474.00M 3560.00M
Capital expenditures 4959.87M 4364.00M 5455.00M 3855.00M 3228.00M
Change in working capital -5170.16M -16019.00M -4878.00M 32630.00M -5548.00M
Other non cash items 5400.99M 5880.00M 1280.00M -19943.00M 2442.00M
Free cash flow -625.00M -8757.00M 1355.00M 18156.00M 3393.00M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
LYG
Lloyds Banking Group PLC ADR
-0.09
1.74%
5.09 13.67 9.48 4.31 1.34 4.44
DBSDY
DBS Group Holdings Ltd ADR
-6.82
3.06%
215.88 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H
-
-%
6.66 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd
0.02
0.06%
34.57 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA
-0.81
0.94%
85.79 11.53 10.27 5.72 1.83 8.22

Profile*

Lloyds Banking Group PLC ADR

Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services for retail and commercial customers in the United Kingdom. It operates in 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, credit cards, unsecured loans, motor finance, and leasing solutions to personal customers. Its Commercial Banking segment provides lending, transactional banking, working capital management, debt financing, and risk management services to small and medium businesses, corporates, and institutions. The Insurance, Pensions and Investments segment offers insurance, investment, and pension management products and services. It also provides life assurance; and digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, Schroders Personal Wealth, Black Horse, Lex Autolease, Birmingham Midshires, LDC, AMC, Embark Group, Lloyds Living, Cavendish Online, Tusker, and HGP brands. The company was formerly known as Lloyds TSB Group plc and changed its name to Lloyds Banking Group plc in January 2009. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.

33 Old Broad Street, London, United Kingdom, EC2N 1HZ

44 20 7626 1500

60061

Name Title Year Born
Mr. Charles Alan Nunn Group Chief Exec. & Exec. Director 1971
Mr. William Leon David Chalmers Group CFO & Exec. Director 1968
Mr. David J. S. Oldfield Interim COO & Group Director of Commercial Banking NA
Mr. David John Gledhill Group Chief Operating Officer 1962
Mr. John Chambers Group Chief Information Officer NA
Ms. Carla A. S. Antunes Da Silva Director of Group Strategy, Corp. Devel. & Investor Relations 1974
Ms. Catherine Lucy Cheetham Company Sec. & Group Gen. Counsel 1963
Ms. Letitia Mary Smith Group Director of Conduct, Compliance & Operational Risk 1966
Matt Smith Head of Media Relations NA
Mr. Eduardo José Stock da Cunha Head of Corp. Devel. & Head of Commercial Banking Market 1963

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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