Lloyds Banking Group (LLOY)

Sector:

Banking

Index:

FTSE 100

72.60p
   
  • Change Today:
      0.52p
  • 52 Week High: 74.00p
  • 52 Week Low: 49.70p
  • Currency: UK Pounds
  • Shares Issued: 60,496m
  • Volume: 115,463,680
  • Market Cap: £43,920m
  • RiskGrade: 208

Dividend Data

  31-Dec-2431-Dec-2331-Dec-2231-Dec-2131-Dec-20
Interim Dividend1.06p0.92p0.80p0.67pn/a
Final Dividend2.11p1.84p1.60p1.33p0.57p
Total Dividend3.17p2.76p2.40p2.00p0.57p
For more dividend details, click here

Fundamentals - based on IFRS

  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Income Statement 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Continuing Operations          
Revenue 34,281.00 35,405.00 (5,346.00) 37,444.00 29,167.00
Operating Profit/(Loss) 5,971.00 7,503.00 4,782.00 6,902.00 1,226.00
Profit Before Tax 5,971.00 7,503.00 4,782.00 6,902.00 1,226.00
Profit After Tax 4,477.00 5,518.00 3,923.00 5,885.00 1,387.00
Discontinued Operations          
Profit After Tax n/a n/a n/a n/a n/a
PROFIT FOR THE PERIOD 4,477.00 5,518.00 3,923.00 5,885.00 1,387.00
Attributable to:          
Equity Holders of Parent Company 4,421.00 5,460.00 3,827.00 5,784.00 1,318.00
Minority Interests 56.00 58.00 96.00 101.00 69.00
           
Continuing EPS          
Earnings per Share - Basic 6.30p 7.60p 4.90p 7.50p 1.20p
Earnings per Share - Diluted 6.20p 7.50p 4.90p 7.50p 1.20p
Earnings per Share - Adjusted 6.30p 7.60p 4.90p 7.50p 1.20p
Continuing and Discontinued EPS          
Earnings per Share - Basic 6.30p 7.60p 4.90p 7.50p 1.20p
Earnings per Share - Diluted 6.20p 7.50p 4.90p 7.50p 1.20p
Earnings per Share - Adjusted 6.30p 7.60p 4.90p 7.50p 1.20p
           
Dividend per Share 3.17p 2.76p 2.40p 2.00p 0.57p
  £ (Millions) £ (Millions) £ (Millions) £ (Millions) £ (Millions)
Balance Sheet 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Assets          
Property, Plant & Equipment n/a n/a n/a n/a n/a
Intangible Assets 8,188.00 8,306.00 7,615.00 12,030.00 12,077.00
Investment Properties n/a n/a n/a n/a n/a
Investments n/a n/a n/a 352.00 296.00
Other Financial Assets 215,925.00 203,318.00 180,769.00 256,959.00 248,385.00
           
Loans & Advances to Banks 7,900.00 10,764.00 10,632.00 7,001.00 8,060.00
Loans & Advances to Customers 459,857.00 449,745.00 454,899.00 448,567.00 440,200.00
Advances 467,757.00 460,509.00 465,531.00 455,568.00 448,260.00
           
Debt Securities 14,544.00 15,355.00 9,926.00 6,835.00 5,405.00
Items in course of collection n/a n/a 44,865.00 147.00 299.00
           
Cash at Bank 62,705.00 78,110.00 n/a 76,420.00 n/a
Treasury Bills n/a n/a 91,388.00 n/a n/a
Liquid Assets 62,705.00 78,110.00 91,388.00 76,420.00 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 137,578.00 115,855.00 n/a 78,214.00 83,290.00
Total Assets 906,697.00 881,453.00 873,394.00 886,525.00 871,269.00
           
Liabilities          
Items in Course of Collection n/a n/a n/a 316.00 306.00
Deposits & Customer Accounts 488,903.00 477,549.00 482,597.00 483,991.00 463,349.00
Debt Securities 70,834.00 75,592.00 73,819.00 71,552.00 87,397.00
Other Current Liabilities n/a n/a n/a n/a n/a
           
Borrowings 10,089.00 10,253.00 10,730.00 13,108.00 14,261.00
Provisions 2,438.00 2,234.00 2,012.00 2,131.00 1,960.00
Other Liabilities 288,545.00 268,460.00 260,325.00 262,275.00 254,583.00
Total Liabilities 860,809.00 834,088.00 829,483.00 833,373.00 821,856.00
           
Net Assets 45,888.00 47,365.00 43,911.00 53,152.00 49,413.00
           
Capital & Reserves          
Share Capital 6,062.00 6,358.00 6,729.00 7,102.00 7,084.00
Share Premium Account 18,720.00 18,568.00 18,504.00 18,479.00 17,863.00
Other Reserves 8,827.00 8,508.00 11,884.00 11,189.00 19,653.00
Retained Earnings 5,912.00 6,790.00 6,550.00 16,147.00 4,584.00
Shareholders Funds 39,521.00 40,224.00 43,667.00 52,917.00 49,184.00
           
Minority Interests/Other Equity 6,367.00 7,141.00 244.00 235.00 229.00
Total Equity 45,888.00 47,365.00 43,911.00 53,152.00 49,413.00
Cash Flow 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Net Cash Flow From Operating Activities (4,393.00) 6,810.00 22,011.00 6,758.00 27,171.00
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 (7,691.00) (9,821.00) 510.00 (2,545.00) (4,000.00)
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 (5,938.00) (3,980.00) (5,886.00) (3,164.00) (5,515.00)
Net Increase/Decrease In Cash (18,022.00) (6,991.00) 16,635.00 1,049.00 17,656.00
Ratios - based on IFRS 31-Dec-24 31-Dec-23 31-Dec-22 31-Dec-21 31-Dec-20
Continuing Operations          
PE Ratio - Adjusted 8.7 6.3 9.3 6.4 30.4
PEG - Adjusted n/a 0.1 n/a 0.0 n/a
Earnings per Share Growth - Adjusted -17% 55% -35% 525% -66%
Dividend Cover 1.99 2.75 2.04 3.75 2.11
Revenue per Share 54.93p 54.51p (8.84p) 0.53p 41.31p
Pre-Tax Profit per Share 9.57p 11.55p 7.91p 0.098p 1.74p
Operating Margin 17.42% 21.19% (89.45%) 18.43% 4.20%
Return on Capital Employed n/a n/a n/a n/a n/a
Continuing & Discontinued Operations          
PE Ratio - Adjusted 8.7 6.3 9.3 631.4 30.4
PEG - Adjusted n/a 0.1 0.0 n/a n/a
Earnings per Share Growth - Adjusted -17% 55% 6,372% -94% -66%
Dividend Cover 1.99 2.75 2.04 0.04 2.11
           
Dividend Yield 5.8% 5.8% 5.3% 4.2% 1.6%
Dividend per Share Growth 14.86% 15.00% 20.00% 250.88% (49.11%)
Operating Cash Flow per Share (7.04p) 10.48p 36.38p 9.53p 38.48p
Cash Incr/Decr per Share (28.88p) (10.76p) 27.50p 0.015p 25.01p
Net Asset Value per Share (exc. Intangibles) 60.40p 60.13p 60.00p 57.97p 52.88p
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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