InsiderClue
Stocks · Financials · Commercial Banks, NEC

Lloyds Banking Group plc

LYG Clue Score45
United Kingdom CIK 0001160106
$5.41 +0.56% Close, 9 Oct 2026
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Price $5.41 +112.16% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue39.61Net income2.06EPS, diluted0.02Fiscal year 2017Revenue34.24 −13.6%Net income3.91 +89.5%EPS, diluted0.05 +100.0%Fiscal year 2018Revenue22.09 −35.5%Net income4.41 +12.8%EPS, diluted0.06 +14.6%Fiscal year 2019Revenue42.36 +91.7%Net income2.93 −33.6%EPS, diluted0.03 −38.2%Fiscal year 2020Revenue29.17 −31.1%Net income1.32 −54.9%EPS, diluted0.01 −64.7%Fiscal year 2021Revenue38.95 +33.5%Net income5.78 +338.8%EPS, diluted0.08 +525.0%Fiscal year 2022Revenue−5.35 −113.7%Net income3.83 −33.8%EPS, diluted0.05 −34.7%Fiscal year 2023Revenue18.63Net income5.46 +42.7%EPS, diluted0.08 +53.1%Fiscal year 2024Revenue18.00 −3.4%Net income4.42 −19.0%EPS, diluted0.06 −17.3%Fiscal year 2025Revenue19.42 +7.9%Net income4.66 +5.4%EPS, diluted0.07 +11.3%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 39.61 34.24 22.09 42.36 29.17 38.95 −5.35 18.63 18.00 19.42
Growth −13.6% −35.5% +91.7% −31.1% +33.5% −113.7% −3.4% +7.9%
Net income 2.06 3.91 4.41 2.93 1.32 5.78 3.83 5.46 4.42 4.66
Growth +89.5% +12.8% −33.6% −54.9% +338.8% −33.8% +42.7% −19.0% +5.4%
EPS, diluted 0.02 0.05 0.06 0.03 0.01 0.08 0.05 0.08 0.06 0.07
Growth +100.0% +14.6% −38.2% −64.7% +525.0% −34.7% +53.1% −17.3% +11.3%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin5.2%Free cash flow margin−4.3%Fiscal year 2017Net margin11.4%Free cash flow margin−20.0%Fiscal year 2018Net margin20.0%Free cash flow margin−66.2%Fiscal year 2019Net margin6.9%Free cash flow margin18.5%Fiscal year 2020Net margin4.5%Free cash flow margin86.6%Fiscal year 2021Net margin14.8%Free cash flow margin9.1%Fiscal year 2022Net margin−71.6%Free cash flow margin−366.2%Fiscal year 2023Net margin29.3%Free cash flow margin15.3%Fiscal year 2024Net margin24.6%Free cash flow margin−48.6%Fiscal year 2025Net margin24.0%Free cash flow margin3.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 5.2% 11.4% 20.0% 6.9% 4.5% 14.8% −71.6% 29.3% 24.6% 24.0%
Free cash flow margin −4.3% −20.0% −66.2% 18.5% 86.6% 9.1% −366.2% 15.3% −48.6% 3.2%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow2.07Capital expenditure−3.76Free cash flow−1.69Dividends paid−2.04Fiscal year 2017Operating cash flow−3.20Capital expenditure−3.66Free cash flow−6.85Dividends paid−2.34Fiscal year 2018Operating cash flow−11.11Capital expenditure−3.51Free cash flow−14.62Dividends paid−2.30Fiscal year 2019Operating cash flow11.28Capital expenditure−3.44Free cash flow7.84Dividends paid−2.45Fiscal year 2020Operating cash flow28.15Capital expenditure−2.90Free cash flow25.25 +222.1%Dividends paid−0.04Fiscal year 2021Operating cash flow6.76Capital expenditure−3.23Free cash flow3.53 −86.0%Dividends paid−0.97Fiscal year 2022Operating cash flow22.01Capital expenditure−2.43Free cash flow19.58 +454.6%Dividends paid−1.57Fiscal year 2023Operating cash flow6.81Capital expenditure−3.96Free cash flow2.85 −85.4%Dividends paid−1.75Fiscal year 2024Operating cash flow−4.39Capital expenditure−4.36Free cash flow−8.76 −407.4%Dividends paid−1.91Fiscal year 2025Operating cash flow5.70Capital expenditure−5.07Free cash flow0.63Dividends paid−2.05
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 2.07 −3.20 −11.11 11.28 28.15 6.76 22.01 6.81 −4.39 5.70
Capital expenditure −3.76 −3.66 −3.51 −3.44 −2.90 −3.23 −2.43 −3.96 −4.36 −5.07
Free cash flow −1.69 −6.85 −14.62 7.84 25.25 3.53 19.58 2.85 −8.76 0.63
Growth +222.1% −86.0% +454.6% −85.4% −407.4%
Dividends paid −2.04 −2.34 −2.30 −2.45 −0.04 −0.97 −1.57 −1.75 −1.91 −2.05

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash62.39Shareholders’ equity48.03Fiscal year 2017Cash58.71Shareholders’ equity48.91Fiscal year 2018Cash55.22Shareholders’ equity49.93Fiscal year 2019Cash59.51Shareholders’ equity47.60Fiscal year 2020Cash78.15Shareholders’ equity49.18Fiscal year 2021Cash79.19Shareholders’ equity50.98Fiscal year 2022Cash95.83Shareholders’ equity43.67Fiscal year 2023Cash88.84Shareholders’ equity47.16Fiscal year 2024Cash70.82Shareholders’ equity45.72Fiscal year 2025Cash60.59Shareholders’ equity47.67
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 62.39 58.71 55.22 59.51 78.15 79.19 95.83 88.84 70.82 60.59
Shareholders’ equity 48.03 48.91 49.93 47.60 49.18 50.98 43.67 47.16 45.72 47.67

In billions of GBP, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In billions of GBP, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
39.61 34.24 22.09 42.36 29.17 38.95 −5.35 18.63 18.00 19.42
Growth −13.6% −35.5% +91.7% −31.1% +33.5% −113.7% −3.4% +7.9%
3.89 5.63 5.96 4.39 1.23 6.90 4.78 7.50 5.97 6.66
1.72 1.63 1.45 1.39 −0.16 1.02 0.86 1.99 1.49 1.90
2.06 3.91 4.41 2.93 1.32 5.78 3.83 5.46 4.42 4.66
Growth +89.5% +12.8% −33.6% −54.9% +338.8% −33.8% +42.7% −19.0% +5.4%
Per share
0.02 0.05 0.06 0.04 0.01 0.08 0.05 0.08 0.06 0.07
0.02 0.05 0.06 0.03 0.01 0.08 0.05 0.08 0.06 0.07
Growth +100.0% +14.6% −38.2% −64.7% +525.0% −34.7% +53.1% −17.3% +11.3%
71,234 71,710 71,638 70,603 70,606 70,937 68,847 64,953 62,413 59,790
72,024 72,393 72,279 71,285 71,256 71,785 69,682 65,760 63,074 60,513
Growth +0.5% −0.2% −1.4% −0.0% +0.7% −2.9% −5.6% −4.1% −4.1%

Shown in GBP as filed; the screener converts to dollars.

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue shrank 7.8% a year over five years, and earnings per share grew 41.9% a year.
  • The diluted share count fell 15.1% in five years, so buybacks did some of the work per share.
  • Profitable in every one of the 10 years on file.