Saturday 17 October 2026 Export LYG’s income statement to Excel — free account

Lloyds Banking Group PLC

In the quarter to June 2026, revenue fell 67.6%, EPS grew 413.8%, free cash flow grew 62.3% and total debt rose 38.0%, each against the same quarter a year earlier.

5.48 0.01 +0.18%

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Market cap: $78.4B
P/E: 15.5×
Fwd P/E: —
Dividend yield: 3.91%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 2.52%

Capital & Financial Ratios $m

Market Cap 78,410.00

Revenue 11,376.68

Net Income 10,441.58

Free Cash Flow 38,045.12

Net Debt (295,013.70)

Current Ratio 1.52

Debt/Equity 2.12

P/E ratio 15.46

Fwd P/E —

P/S ratio 7.08

P/B ratio 1.27

Past 5Y EPS Growth 43.10%

This Y EPS Growth 41.93%

Next Y EPS Growth 19.41%

Next Y revenue growth —

Next 5Y EPS Growth 25.28%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 43.97%

10-year low 10-year high

P/S against its own 10 years 96.68%

10-year low 10-year high

P/B against its own 10 years 91.82%

10-year low 10-year high

Dividends

Payout Ratio 0.60

Annual Dividend Rate 0.21

Annual Dividend Yield 3.91%

	total	individual payouts
2026	0.21	0.13 0.08
2025	0.18	0.11 0.07
2024	0.15	0.09 0.06
2023	0.13	0.08 0.05
2022	0.10	0.07 0.04
2021	0.07	0.03 0.04
2020	0.10	0.10
2019	0.16	0.11 0.06
2018	0.16	0.11 0.06
2017	0.17	0.11 0.05
2016	0.04	0.03 0.04

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	350,068	356,061	391,752	429,342
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	922,895	953,808	1,036,199	1,100,145

	2023	2024	2025	Q'26
Payables	594,023	624,769	662,299	683,219
ST’ Debt	—	—	—	—
Other	—	—	—	—
	625,014	660,053	699,102	725,240

Compound Annual Growth %

	10y	5y	3y
Sales	4.07%	3.00%	60.67%
Cash Flow	(8.45%)	(26.43%)	(34.88%)
Earnings	26.74%	37.87%	(3.78%)
Book Value	1.92%	(0.10%)	2.40%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	2,292	—	—	—	—
’25	1,878	—	—	—	48,714
’24	1,702	—	—	—	67,389
’23	1,669	7,071	5,505	—	56,058
’22	313	5,228	5,048	6,028	11,746
’21	6,354	12,056	5,509	5,570	56,841
’20	(22,900)	10,436	—	29,948	42,018

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	—	—	—	—	—
’25	—	—	—	—	7,518
’24	—	—	—	—	(5,614)
’23	—	—	—	—	8,471
’22	—	—	—	—	27,225
’21	—	—	—	—	9,105
’20	—	—	—	—	34,888

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	—	20,474	—	—	—
’25	—	7,207	—	—	1,237
’24	—	(6,464)	—	—	(10,797)
’23	—	14,975	—	—	2,963
’22	—	12,615	—	—	24,374
’21	—	6,808	—	(17,024)	6,642
’20	—	32,233	—	(36,538)	32,634

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.13	—	—	—	—
’25	0.11	—	—	—	0.36
’24	0.09	—	—	—	0.40
’23	0.11	0.03	0.02	—	0.47
’22	0.08	0.05	—	—	0.36
’21	0.10	0.07	—	0.03	0.41
’20	0.03	0.00	—	0.03	0.06

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	2.47	3.15	2.43	2.30	1.17	1.74	1.70	1.88	2.00	2.56	Analyst estimates 2026–2028 Powerpack
	High	4.42	3.87	4.21	3.58	3.36	2.83	3.00	2.63	3.24	5.35
People
People	Employees	70,433	67,905	64,928	63,069	61,576	57,955	59,354	62,569	61,228	60,061
	Revenue/emp, $m	0.90	0.75	0.51	0.99	0.68	0.98	0.20	0.90	1.10	0.81
Income, $m
Income, $m	Revenue	63,641	50,690	33,429	62,615	42,018	56,841	11,746	56,058	67,389	48,714
	Gross margin, %	84.36	87.05	88.21	86.38	89.13	90.58	61.16	67.26	63.95	52.58
	EBT	5,269	7,250	7,955	5,609	1,574	9,491	8,569	9,333	7,630	8,784
	EBT margin, %	8.28	14.30	23.80	8.96	3.75	16.70	72.96	16.65	11.32	18.03
	Net income	5,269	7,250	7,955	5,609	1,574	9,491	8,569	9,333	7,630	8,784
	Depreciation	3,226	3,054	3,210	3,397	3,508	3,885	2,964	3,614	4,378	4,585
Per share, $
Per share, $	Revenue	3.57	2.83	1.87	3.55	2.38	3.21	0.68	3.45	4.32	3.26
	Earnings	0.16	0.23	0.33	0.18	0.06	0.41	0.36	0.47	0.40	0.37
	Cash flow	0.16	(0.23)	(0.83)	0.82	1.98	0.51	1.58	0.52	(0.36)	0.50
	Capex	(0.16)	(0.16)	(0.16)	(0.15)	(0.13)	(0.14)	(0.17)	(0.34)	(0.33)	(0.42)
	Free cash flow	0.00	(0.39)	(0.99)	0.67	1.85	0.37	1.42	0.18	(0.69)	0.08
	Book value	3.69	3.53	3.74	3.46	3.59	4.12	3.42	3.63	3.76	4.22
	Shares, m	17,809	17,928	17,910	17,651	17,652	17,734	17,212	16,238	15,603	14,948
Valuation, ×
Valuation, ×	P/E	87.74	42.00	32.65	19.52	27.76	12.15	14.91	13.00	10.89	21.23
	P/S	3.11	3.38	1.91	0.69	0.76	1.54	2.38	1.97	2.68	4.97
	P/B	1.01	1.18	0.89	1.02	0.56	0.72	0.78	0.70	0.71	1.28
	EV/Sales	(2.70)	(4.04)	(3.06)	1.26	(2.90)	(7.47)	(9.30)	(9.92)	(12.94)	(12.20)
	EV/FCF	(0.76)	(1.41)	(1.47)	5.35	(27.77)	12.11	4.14	(12.35)	(70.58)	(6.78)
Cash, $m
Cash, $m	Operating cash flow	2,811	(4,118)	(14,826)	14,405	34,888	9,105	27,225	8,471	(5,614)	7,518
	Capex	(2,814)	(2,850)	(2,910)	(2,567)	(2,253)	(2,463)	(2,851)	(5,508)	(5,183)	(6,281)
	Free cash flow	(3)	(6,967)	(17,735)	11,838	32,634	6,642	24,374	2,963	(10,797)	1,237
Balance, $m
Balance, $m	Working capital	268,138	260,928	301,727	318,472	308,920	318,738	293,662	297,882	293,755	337,097
	Total debt	130,305	116,471	145,258	146,612	130,529	116,416	104,579	106,783	103,412	116,263
	Net debt	(139,849)	(169,841)	(140,174)	(128,728)	(184,285)	(273,202)	(232,154)	(243,286)	(252,650)	(275,488)
	Shareholders’ equity	65,685	63,336	67,006	61,043	63,446	73,089	58,779	58,917	58,640	63,122
Returns, %
Returns, %	ROA	0.24	0.42	0.49	0.29	0.10	0.63	0.54	0.56	0.44	0.46
	ROIC	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	ROE	4.01	6.98	7.92	4.90	1.78	10.79	9.42	10.43	8.53	9.09

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Mar 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
IBN ICICI Bank Limited	$105.7B	18.5×	—	−3.19% (below 0%: shrinking)	+2.33% (above 0%: growing)	−61.24% (below 0%: shrinking)	71.06%	0.00%	Compare
USB U.S. Bancorp	$89.4B	11.3×	10.9×	+2.26% (above 0%: growing)	+16.16% (above 0%: growing)	+151.96% (above 0%: growing)	70.62%	0.00%	Compare
PNC The PNC Financial Services Group, Inc	$85.8B	11.4×	12.4×	+6.44% (above 0%: growing)	+19.94% (above 0%: growing)	+45.07% (above 0%: growing)	70.11%	0.00%	Compare
LYG Lloyds Banking Group PLC	$78.4B	15.5×	—	−67.58% (below 0%: shrinking)	+413.83% (above 0%: growing)	+62.30% (above 0%: growing)	100.00%	0.00%
NU Nu Holdings Ltd.	$71.2B	19.7×	14.5×	+50.29% (above 0%: growing)	+69.23% (above 0%: growing)	−102.15% (below 0%: shrinking)	71.77%	0.00%	Compare
NWG NatWest Group plc	$69.2B	9.9×	8.4×	+14.08% (above 0%: growing)	+77.78% (above 0%: growing)	−47.36% (below 0%: shrinking)	59.01%	0.00%	Compare
DB Deutsche Bank Aktiengesellschaft	$61.8B	7.6×	8.4×	+5.77% (above 0%: growing)	+160.96% (above 0%: growing)	+127.23% (above 0%: growing)	57.34%	0.00%	Compare
TFC Truist Financial Corporation	$56.9B	10.7×	10.8×	+0.75% (above 0%: growing)	+36.26% (above 0%: growing)	+13.68% (above 0%: growing)	69.18%	0.00%	Compare
ITUB Itau Unibanco Holding S.A.	$51.3B	12.0×	—	+9.19% (above 0%: growing)	+25.86% (above 0%: growing)	+584.73% (above 0%: growing)	46.42%	0.00%	Compare
Median of peers	$70.2B	11.3×	10.9×	+6.11%	+31.06%	+29.38%	69.65%	0.00%

All 323 Banks Regional stocks →

Lloyds Banking Group PLC (LYG) key facts

Lloyds Banking Group PLC (LYG) is a Banks Regional company in the Financial sector, traded in the US as an ADR.
As of October 16, 2026, LYG traded at $5.48, a market capitalization of $78.4 billion.
Lloyds Banking Group PLC pays an annual dividend of $0.21 per share, a yield of 3.91%, with a payout ratio of 60.4%.
Return on equity was 9.09% and debt-to-equity 2.12.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.