Lloyds Banking Group (LLOY) Stock Price, Fundamentals & Analysis

What LLOY does

Lloyds Banking Group (LLOY) is a major UK-based banking and financial services company listed on the London Stock Exchange. It operates through three segments — Retail, Commercial Banking, and Insurance, Pensions and Investments — offering products such as current accounts, savings, mortgages, credit cards, loans, and insurance under brands including Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows. It is part of the broader London Stock Exchange stocks universe and is a notable constituent of the FTSE 100.

Key numbers explained

• Price and daily change: LLOY trades at 1.09 GBP, up +1.68% today.
• Market cap: 62.75B GBP, reflecting its large-cap status among UK banks.
• Valuation: The trailing P/E ratio of 13.6 and forward P/E ratio of 9 indicate how the market prices current and expected earnings, respectively.
• Earnings per share (trailing 12 months): 0.08 GBP.
• Dividend yield: 3.69%, with an ex-dividend date of 6 Aug 2026; 46% of earnings are paid out as dividends.
• Beta: 0.91, suggesting lower volatility than the broader market.
• 52-week range: 0.82 – 1.18 GBP, with a 29.2% price increase over the past year.
• Revenue (trailing 12 months): 19.69B GBP, with 12.3% year-over-year growth.
• Profit margin: 26.4%; operating margin: 45%; return on equity: 11.3%.
• Price-to-book ratio: 152.38.
• Next earnings date: 29 Oct 2博士26.

What to watch

• Sector dynamics: As a regional bank, LLOY is sensitive to interest rate changes, credit cycles, and regulatory shifts in the UK financial sector.
• Comparable peers: Other UK banks such as NatWest Group (NWG) and Aviva (AV) may be relevant for comparison.
• Market context: The stock's performance should be viewed in the context of the FTSE 100 and broader UK financials sector.