Lloyds Banking Group (LLOY)

Sector:

Banking

Index:

FTSE 100

55.02p
   
  • Change Today:
    -0.40p
  • 52 Week High: 62.18
  • 52 Week Low: 41.19
  • Currency: UK Pounds
  • Shares Issued: 60,661m
  • Volume: 75,605,300
  • Market Cap: £33,376m
  • RiskGrade: 208
  • Beta: 1.42

Dividend Data

  31-Dec-2331-Dec-2231-Dec-2131-Dec-2031-Dec-19
Interim Dividend0.92p0.80p0.67pn/an/a
Final Dividend1.84p1.60p1.33p0.57pn/a
Total Dividend2.76p2.40p2.00p0.57p1.12p
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Continuing Operations          
Revenue 35,405.00 (5,346.00) 37,444.00 29,167.00 42,356.00
Operating Profit/(Loss) 7,503.00 4,782.00 6,902.00 1,226.00 4,393.00
Profit Before Tax 7,503.00 4,782.00 6,902.00 1,226.00 4,393.00
Profit After Tax 5,518.00 3,923.00 5,885.00 1,387.00 3,006.00
Discontinued Operations          
Profit After Tax n/a n/a n/a n/a n/a
PROFIT FOR THE PERIOD 5,518.00 3,923.00 5,885.00 1,387.00 3,006.00
Attributable to:          
Equity Holders of Parent Company 5,460.00 3,827.00 5,784.00 1,318.00 3,006.00
Minority Interests 58.00 96.00 101.00 69.00 81.00
           
Continuing EPS          
Earnings per Share - Basic 7.60p 4.90p 7.50p 1.20p 3.50p
Earnings per Share - Diluted 7.50p 4.90p 7.50p 1.20p 3.40p
Earnings per Share - Adjusted 7.60p 4.90p 7.50p 1.20p 3.50p
Continuing and Discontinued EPS          
Earnings per Share - Basic 7.60p 4.90p 7.50p 1.20p 3.50p
Earnings per Share - Diluted 7.50p 4.90p 7.50p 1.20p 3.40p
Earnings per Share - Adjusted 7.60p 4.90p 7.50p 1.20p 3.50p
           
Dividend per Share 2.76p 2.40p 2.00p 0.57p 1.12p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Assets          
Property, Plant & Equipment n/a n/a n/a n/a 13,104.00
Intangible Assets 8,306.00 7,615.00 12,030.00 12,077.00 11,690.00
Investment Properties n/a n/a n/a n/a n/a
Investments n/a n/a 352.00 296.00 304.00
Other Financial Assets 203,318.00 180,769.00 256,959.00 248,385.00 211,650.00
           
Loans & Advances to Banks 10,764.00 10,632.00 7,001.00 8,060.00 9,775.00
Loans & Advances to Customers 449,745.00 454,899.00 448,567.00 440,200.00 494,988.00
Advances 460,509.00 465,531.00 455,568.00 448,260.00 504,763.00
           
Debt Securities 15,355.00 9,926.00 6,835.00 5,405.00 5,544.00
Items in course of collection 38,771.00 44,865.00 147.00 299.00 313.00
           
Cash at Bank n/a n/a 76,420.00 n/a n/a
Treasury Bills 78,110.00 91,388.00 n/a n/a n/a
Liquid Assets 78,110.00 91,388.00 76,420.00 n/a n/a
           
Inventories n/a n/a n/a n/a n/a
Trade & Other Receivables n/a n/a n/a n/a n/a
Other Assets n/a n/a 78,214.00 83,290.00 31,395.00
Total Assets 881,453.00 873,394.00 886,525.00 871,269.00 833,893.00
           
Liabilities          
Items in Course of Collection n/a n/a 316.00 306.00 373.00
Deposits & Customer Accounts 477,549.00 482,597.00 483,991.00 463,349.00 449,499.00
Debt Securities 75,592.00 73,819.00 71,552.00 87,397.00 97,689.00
Other Current Liabilities n/a n/a n/a n/a n/a
           
Borrowings 10,253.00 10,730.00 13,108.00 14,261.00 17,130.00
Provisions 2,234.00 2,012.00 2,131.00 1,960.00 3,367.00
Other Liabilities 268,460.00 260,325.00 262,275.00 254,583.00 218,029.00
Total Liabilities 834,088.00 829,483.00 833,373.00 821,856.00 786,087.00
           
Net Assets 47,365.00 43,911.00 53,152.00 49,413.00 47,806.00
           
Capital & Reserves          
Share Capital 6,358.00 6,729.00 7,102.00 7,084.00 7,005.00
Share Premium Account 18,568.00 18,504.00 18,479.00 17,863.00 17,751.00
Other Reserves 15,448.00 11,884.00 11,189.00 19,653.00 19,601.00
Retained Earnings 6,790.00 6,550.00 16,147.00 4,584.00 3,246.00
Shareholders Funds 47,164.00 43,667.00 52,917.00 49,184.00 47,603.00
           
Minority Interests/Other Equity 201.00 244.00 235.00 229.00 203.00
Total Equity 47,365.00 43,911.00 53,152.00 49,413.00 47,806.00
Cash Flow 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Net Cash Flow From Operating Activities 6,810.00 22,011.00 6,758.00 27,171.00 11,281.00
Returns On Investment & Servicing of Finance fn/a fn/a fn/a fn/a fn/a
Taxation Paid fn/a fn/a fn/a fn/a fn/a
Net Cash Flow from Investing Activities (9,821.00) 510.00 (2,545.00) (4,000.00) (2,130.00)
Acquisitions & Disposals gn/a gn/a gn/a gn/a gn/a
Dividends Paid fn/a fn/a fn/a fn/a fn/a
Management of Liquid Resources cn/a cn/a cn/a cn/a cn/a
Net Cash Flow from Financing Activities (3,980.00) (5,886.00) (3,164.00) (5,515.00) (6,564.00)
Net Increase/Decrease In Cash (6,991.00) 16,635.00 1,049.00 17,656.00 2,587.00
Ratios - based on IFRS 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20 31-Dec-19
Continuing Operations          
PE Ratio - Adjusted 6.3 9.3 6.4 30.4 17.9
PEG - Adjusted 0.1 n/a 0.0 n/a n/a
Earnings per Share Growth - Adjusted 55% -35% 525% -66% -36%
Dividend Cover 2.75 2.04 3.75 2.11 3.12
Revenue per Share 58.37p (8.81p) 0.53p 41.31p 59.99p
Pre-Tax Profit per Share 12.37p 7.88p 0.098p 1.74p 6.22p
Operating Margin 21.19% (89.45%) 18.43% 4.20% 10.37%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 6.3 9.3 631.4 30.4 17.9
PEG - Adjusted 0.1 0.0 n/a n/a n/a
Earnings per Share Growth - Adjusted 55% 6,372% -94% -66% -36%
Dividend Cover 2.75 2.04 0.04 2.11 3.12
           
Dividend Yield 5.8% 5.3% 4.2% 1.6% 1.8%
Dividend per Share Growth 15.00% 20.00% 250.88% (49.11%) (65.11%)
Operating Cash Flow per Share 11.23p 36.28p 9.53p 38.48p 15.98p
Cash Incr/Decr per Share (11.53p) 27.42p 0.015p 25.01p 3.66p
Net Asset Value per Share (exc. Intangibles) 64.39p 59.83p 57.97p 52.88p 51.15p
Net Gearing n/a n/a n/a n/a n/a

Key

* GAAP

a. Includes discontinued activities

b. Including assets due in more than one year

c. Not disclosed under IFRS

d. Total fixed assets

e. Includes borrowings

f. Included in cash flow from operating activities under IFRS

g. Included in net cash from investing activities under IFRS

h. Pre-tax

i. Capital expenditure

j. Based on operating cash flow before tax

k. Issue of ordinary shares

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: RiskGrade figures are provided by RiskMetrics.

Note 3: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 4: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 5: Forecast figures based on normalised accounts.

 

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