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Lloyds Banking (LLOY) vs. S&P 500 (SPY)
Lloyds Banking Business Overview & Revenue Model
Lloyds Banking Financial Statement Overview
| Breakdown | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 17.57B | 18.41B | 18.21B | 16.32B | 15.13B | Gross Profit |
| 17.57B | 19.21B | 18.21B | 16.32B | 15.13B | EBIT |
| 17.57B | 11.05B | 10.52B | 6.80B | 1.16B | EBITDA |
| 0.00 | 10.41B | 7.17B | 9.72B | 3.96B | Net Income Common Stockholders |
| 4.42B | 5.46B | 5.46B | 5.78B | 1.32B |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 0.00 | 79.02B | 91.63B | 76.57B | 73.56B | Total Assets |
| 906.70B | 881.45B | 877.83B | 886.52B | 871.27B | Total Debt |
| 133.16B | 93.67B | 84.55B | 84.66B | 101.66B | Net Debt |
| 133.16B | -79.02B | -7.08B | 8.09B | 28.10B | Total Liabilities |
| 867.00B | 834.09B | 830.31B | 84.66B | 101.66B | Stockholders Equity |
| 39.52B | 47.16B | 47.28B | 52.92B | 49.18B |
| Cash Flow | Free Cash Flow | |||
| -9.88B | 1.35B | 18.16B | 3.39B | 24.27B | Operating Cash Flow |
| -5.51B | 6.81B | 22.01B | 6.62B | 27.17B | Investing Cash Flow |
| -7.69B | -9.82B | 510.00M | -2.54B | -4.00B | Financing Cash Flow |
| -4.81B | -8.46B | -6.61B | -3.23B | -5.32B |
Lloyds Banking Technical Analysis
Lloyds Banking Risk Analysis
Lloyds Banking Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | £163.15B | 9.38 | 12.96% | 5.29% | 3.98% | 5.43% | |
75 Outperform | £43.29B | 11.35 | 11.19% | 4.01% | 31.97% | -21.96% | |
75 Outperform | £44.68B | 8.63 | 8.78% | 2.87% | 5.56% | 31.39% | |
64 Neutral | $14.34B | 10.61 | 9.28% | 4.07% | 18.04% | -9.54% |
Lloyds Banking Earnings Call Summary
Lloyds Banking Corporate Events
Lloyds Banking Group plc announced the purchase of over 10 million of its own ordinary shares as part of its ongoing share buyback program. This move, executed through Morgan Stanley, reflects the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, potentially increasing earnings per share and strengthening its market position.
Lloyds Banking Group PLC has announced the publication of the final terms for two series of notes under its Euro Medium Term Note Programme. These include EUR 1 billion fixed rate notes due in 2036 and EUR 750 million floating rate notes due in 2028. This issuance is part of their strategy to manage long-term funding and liquidity, potentially impacting their financial stability and attractiveness to investors.
Lloyds Banking Group PLC announced the purchase of 5,674,592 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at a volume-weighted average price of 72.7577 pence and will be canceled, indicating the company’s strategy to return value to shareholders and manage its capital structure effectively.
Lloyds Banking Group PLC announced the purchase of 4,402,179 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at a volume-weighted average price of 72.0962 pence per share and will be canceled, reflecting the company’s strategy to enhance shareholder value and optimize its capital structure.
Lloyds Banking Group has announced the total number of voting shares as of February 28, 2025, which stands at 60,757,294,380 ordinary shares. This figure is crucial for shareholders to determine their notification requirements under the Financial Conduct Authority’s rules, impacting how they manage their investments and interests in the company.
Lloyds Banking Group PLC has announced the purchase of over 5.3 million of its ordinary shares as part of its ongoing share buyback program. The shares, bought from Morgan Stanley & Co. International plc, will be cancelled, reflecting the company’s strategy to return capital to shareholders and potentially enhance shareholder value. This move is part of a broader financial strategy that may impact the company’s stock performance and market perception.
Lloyds Banking Group announced that Joanna Harris, CEO of Mass Affluent, executed a transaction involving the acquisition and subsequent disposal of 17,177 ordinary shares. This transaction was conducted under the Lloyds Banking Group Sharesave Scheme 2017, with shares acquired at 39.40 pence each and sold at 68.22 pence each. The transaction reflects compliance with the company’s shareholding policy and highlights the ongoing engagement of senior management with the company’s equity programs.
Lloyds Banking Group PLC announced the purchase of 4,983,700 of its ordinary shares as part of its ongoing share buyback program. These shares were bought from Morgan Stanley & Co. International plc at a volume-weighted average price of 68.0125 pence per share. The company intends to cancel these shares, which is a strategic move to enhance shareholder value and optimize capital structure.
Lloyds Banking Group PLC announced the purchase of over 13 million of its ordinary shares as part of its ongoing share buyback program. This move, executed through Morgan Stanley & Co. International plc, reflects the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, potentially increasing the value of remaining shares. The cancellation of these shares aligns with regulatory requirements and demonstrates Lloyds’ commitment to maintaining a robust capital structure.
Lloyds Banking Group PLC announced that Andrew Walton, the Chief Sustainability Officer and Chief Corporate Affairs Officer, sold 75,300 ordinary shares at 66.3633 pence each on February 21, 2025, through the London Stock Exchange. This transaction is part of routine managerial responsibilities, and Walton remains compliant with the company’s shareholding policy, indicating a stable adherence to corporate governance practices.
Lloyds Banking Group announced the purchase of 7,762,503 of its ordinary shares as part of its ongoing share buyback program. This move, executed through Morgan Stanley, is aimed at enhancing shareholder value by reducing the number of outstanding shares, which is expected to positively impact the company’s stock performance and financial metrics.
Lloyds Banking Group has announced the approval and publication of a Supplementary Prospectus related to its £25 billion Euro Medium Term Note Programme. This development indicates the group’s ongoing efforts to manage its capital structure and funding strategies effectively, which is crucial for maintaining its competitive position in the financial sector.
Lloyds Banking Group has initiated a significant share buyback program, aiming to repurchase up to £1.7 billion of its ordinary shares. This move is designed to reduce the company’s share capital and is being executed with the assistance of Morgan Stanley & Co. International plc. The buyback is expected to enhance shareholder value by decreasing the number of shares outstanding, thus potentially increasing the earnings per share.
Lloyds Banking Group has filed its Annual Report on Form 20-F for the year ended December 31, 2024, with the US Securities and Exchange Commission. This filing is a key regulatory requirement and provides stakeholders with comprehensive insights into the company’s financial performance and strategic direction for the past year, potentially impacting its market positioning and stakeholders’ decision-making.
Lloyds Banking Group plc has announced the submission of its Annual Report and Accounts for the year ended 31 December 2024 to the National Storage Mechanism, in compliance with UK Listing Rule 6.4.1. This report will be available for inspection and provides insights into the company’s financial performance and strategic direction. The filing is significant for stakeholders as it offers a detailed overview of Lloyds Banking’s operations, financial health, and future plans, potentially impacting investor decisions and market perceptions.
Lloyds Banking Group announced strong financial results for 2024, exceeding revenue targets and demonstrating robust cost management. The company reported a statutory profit after tax of £4.5 billion, with total shareholder distributions amounting to £3.6 billion. Lloyds highlighted significant growth in customer deposits and loans, alongside successful strategic initiatives that generated additional revenues and cost savings. The board recommended an increased dividend and announced a share buyback program, reflecting confidence in future performance and continued commitment to shareholder returns. Looking ahead, Lloyds aims to further enhance its franchise capabilities, targeting over £1.5 billion in additional revenues by 2026 through strategic initiatives.
Lloyds Banking Group has announced the early redemption of its €1.5 billion Fixed Rate Reset Callable Notes initially due in 2026. The redemption, scheduled for 1 April 2025, reflects the company’s strategic decision to manage its financial obligations effectively, potentially influencing its liquidity and capital management strategies. This move is anticipated to streamline Lloyds’ debt profile, providing clarity to stakeholders about the company’s fiscal direction.
Lloyds Banking Group has announced the redemption of its EUR 309,088,000 Dated Subordinated Fixed-to-Floating Rate Notes due 2030, which will occur on 18 March 2025. This move, which involves redeeming the notes at their Optional Redemption Amount along with accrued interest, reflects the company’s active management of its debt portfolio and may have implications for its financial strategy and stakeholder interests.
Lloyds Banking Group PLC announced the acquisition of partnership and matching shares under its Share Incentive Plan for February 2025, involving several key executives. This initiative reflects ongoing efforts to align the interests of its leadership with company performance, potentially impacting stakeholder confidence and reinforcing its commitment to strategic goals.
Lloyds Banking Group plc announced the redemption of its $1 billion 3.511% Senior Callable Fixed-to-Fixed Rate Notes due in 2026. This financial move involves redeeming the notes at their principal amount along with any accrued interest by March 18, 2025, effectively ending the listing of these notes on the New York Stock Exchange. This measure is part of the group’s strategic financial management, potentially impacting its financial liabilities and market operations.
Lloyds Banking Group PLC has announced that, as of January 31, 2025, it has issued a total of 60,753,502,794 ordinary shares, all of which have voting rights exercisable at general meetings. This information is crucial for shareholders to determine their reporting obligations under the Financial Conduct Authority’s rules, impacting how they notify changes in their shareholding interests.
Lloyds Banking Group has announced the acquisition of Partnership and Matching Shares under their Share Incentive Plan for several key executives, including the CEO of Insurance, Pensions & Investments, and the Chief Risk Officer. This move is part of their regular monthly transactions aimed at aligning the interests of the company’s leadership with those of shareholders, enhancing long-term value creation. The transactions took place outside of a trading venue on January 9, 2025, and reflect the ongoing commitment of the management team to the company’s strategic objectives and shareholder alignment.
Lloyds Banking Group PLC announced that as of December 31, 2024, the total number of shares issued with voting rights is 60,617,012,971 ordinary shares. This figure is crucial for shareholders who need to calculate their interests or changes in their interests in the company, in compliance with the Financial Conduct Authority’s Disclosure Guidance and Transparency Rules.
Lloyds Banking Group PLC announced transactions involving its managerial executives under the Group’s Fixed Share Award for the fourth quarter of 2024. Charlie Nunn, Group Chief Executive, and William Chalmers, Chief Financial Officer, acquired 268,341 and 128,804 shares, respectively, with the shares to be released over a three-year period. The transactions highlight the company’s commitment to aligning managerial interests with shareholder value, potentially impacting the overall market perception and stakeholder confidence in the company’s strategic direction.
Lloyds Banking Group has announced its decision to redeem $1 billion in 2.438% Senior Callable Fixed-to-Fixed Rate Notes due in 2026, with the redemption set for February 5, 2025. This move will result in the delisting of the notes from the New York Stock Exchange and signifies a strategic financial decision impacting its debt structure, potentially affecting stakeholders’ perceptions and the Group’s future financial planning.
Lloyds Banking Group announced the acquisition of Partnership Shares and the award of Matching Shares under its Share Incentive Plan for individuals holding managerial responsibilities. This move signals the company’s continued commitment to aligning the interests of its executives with the broader goals of the organization, potentially enhancing stakeholder confidence and aligning management activities with shareholder interests.