Lloyds Banking Group plc (LLDTF) Stock Price & Analysis
Lloyds Banking Group plc (LLDTF) — price $1.53 (+17.69%), as of the Oct 2, 2026 trading session; market cap $88.8B. Expected results Oct 29, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Lloyds Banking Group plc · LLDTF · Financial Services · Banks - Regional
Lloyds Banking Group plc, along with its various subsidiaries, serves as a significant financial services provider throughout the United Kingdom.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore is not published for this security.
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $1.53 | |
| Change on the day | +17.69% | |
| 52-week range | $1.05 – $1.68 | |
| Market capitalisation | $88.8B | |
| Price / earnings (trailing) | 12.90 | |
| Shares traded on the day | 100 | |
| Beta (volatility vs the S&P 500) | 1.08 | |
| Dividends per share (last 12 months) | $0.05 | |
| Dividend yield (last 12 months) | 3.53% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · below the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
- · Earnings results · below the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
We will then shift focus to our new strategic plan, Accelerate 2030 and the financial outlook. I'm hugely excited by this next phase, where we will reimagine customer journeys, increase group connectivity and deliver a productivity step change, all enabled by pioneering technology.
Charles Nunn · Statement from
And we expect to deliver a return on tangible equity in excess of 16% this year and above this in the years to come.
Charles Nunn · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsOther perspectives
Council score for Lloyds Banking Group (LLDTF): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Legends Council
3 lenses, 3 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 4, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 9, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 9, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the LLDTF film — every key number, told as a short cinematic story
~2 min · open the film
What is Lloyds Banking Group (LLDTF), and what does it report?
Short answer · as of
Lloyds Banking Group plc, along with its various subsidiaries, serves as a significant financial services provider throughout the United Kingdom. Financial Services / Banks Regional SEC filing business address: 25 Gresham Street, London, X0, EC2V 7HN. It employs 60,061 people and is led by Charles Alan Nunn. In Q2 FY2026 it reported revenue of $7.17B and net income of $2.03B. The market values it at $88.8B.
What do the latest results show for Lloyds Banking Group (LLDTF)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $7.17B. Against analyst estimates the company has EPS beat 5 of 8 reports.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $6.58B Jul 30, 2026
- Latest report · revenue estimate
- $6.79B Jul 30, 2026
- Latest report · revenue vs estimate
- Below estimate Jul 30, 2026
- Latest report · EPS vs estimate
- Below estimate Jul 30, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 30, 2026 | $6.58B | $6.79B | $0.0318 | $0.0324 |
| Apr 29, 2026 | $6.33B | $6.50B | $0.0317 | $0.0283 |
| Feb 18, 2026 | $6.39B | $6.54B | $0.0296 | $0.0266 |
| Oct 23, 2025 | $6.24B | $6.36B | $0.0134 | $0.0265 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $7.17B | $2.03B | $0.03 (diluted) |
| Q1 FY2026 | $6.88B | $2.03B | $0.03 (diluted) |
| Q4 FY2025 | $6.84B | $1.86B | $0.03 (diluted) |
| Q3 FY2025 | -$5.73B | $977M | $0.02 (diluted) |
What should you watch next at Lloyds Banking Group (LLDTF)?
Short answer · as of
The next earnings report is expected on Oct 29, 2026.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
We will then shift focus to our new strategic plan, Accelerate 2030 and the financial outlook. I'm hugely excited by this next phase, where we will reimagine customer journeys, increase group connectivity and deliver a productivity step change, all enabled by pioneering technology.
Charles Nunn ·
And we expect to deliver a return on tangible equity in excess of 16% this year and above this in the years to come.
Charles Nunn ·
By the end of 2026, we will have delivered a cost-income ratio of less than 50%, a ROCE of greater than 16% and more than 200 basis points of capital generation.
Charles Nunn ·
Notably, the Q2 cost-income ratio at 49% was in line with our guidance for less than 50% for the full year.
William Leon Chalmers ·
What the records here don't tell us
- Detailed statement figures are not shown because their conversion to USD has not been verified.
- No insider Form 4 transaction falls inside the window this page reads.
Checked against the records this page reads, on the dates shown above.
How is Lloyds Banking Group scored?
Research dated 2026-09-12.
Lloyds differs from a narrow regional lender because the same group combines mass-market household banking, vehicle finance, business credit and transaction services with Scottish Widows insurance and wealth products. Its portfolio of Lloyds Bank, Halifax and Bank of Scotland also gives it several consumer distribution brands within one domestic market.
That breadth creates more routes to earn from a customer relationship, but it does not provide much geographic diversification. Compared with a simpler deposit-and-loan bank, investors must track lending performance, insurance and investment economics, commercial activity and group-wide cost execution together.
| Company | Price | Market value | Score |
|---|---|---|---|
| $15.44 Oct 2, 2026 | $107B | — Model unavailable | |
| $49.34 Oct 2, 2026 | $111B | — Model unavailable | |
| $54.33 Oct 2, 2026 | $81.1B | — Model unavailable | |
| $8.82 Oct 2, 2026 | $70.1B | — Model unavailable | |
| $21.25 Oct 2, 2026 | $70.0B | — Model unavailable | |
| $57.51 Oct 2, 2026 | $89.6B | — 5-pillar · not comparable | |
| $3.65 Oct 2, 2026 | $38.6B | — 5-pillar · not comparable | |
| $78.03 Oct 2, 2026 | $36.9B | — 5-pillar · not comparable | |
| $91.91 Oct 2, 2026 | $21.8B | — 5-pillar · not comparable | |
| $75.21 Oct 2, 2026 | $18.3B | — 5-pillar · not comparable | |
| $17.68 Oct 2, 2026 | $9.80B | — 5-pillar · not comparable | |
| $32.03 Oct 2, 2026 | $7.68B | — 5-pillar · not comparable |
The comparison model is unavailable. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
What has been published about Lloyds Banking Group (LLDTF)?
LLDTF Financial Services Stock FAQ
Research dated 2026-09-12; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
What does Lloyds actually sell through Halifax and Bank of Scotland?
Those brands distribute household and small-business banking products including deposits, mortgages, vehicle finance, unsecured loans, leasing and cards. They sit inside a wider group that also serves larger businesses and sells insurance, investments and wealth services.
Why does Scottish Widows matter to Lloyds Banking Group?
Scottish Widows gives Lloyds exposure to insurance, investment and wealth-management relationships beyond conventional lending and deposits. It broadens the ways the group can earn from customers while adding economics that differ from retail banking.
What is the LLDTF stock price today?
The last price recorded on this page for Lloyds Banking Group plc (LLDTF) is $1.53, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
Does LLDTF pay a dividend?
Yes. Lloyds Banking Group plc (LLDTF) shows a trailing 12-month dividend yield of 3.53%, as of Oct 2, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-12. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (40 figures)
The 40 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Charles Nunn (Jul 30, 2026): We will then shift focus to our new strategic plan, Accelerate 2030 and the financial outlook. I'm hugely excited by this next phase, where we will reimagine customer journeys, increase group connectivity and deliver a productivity step change, all enabled by pioneering technology. Charles Nunn (Jul 30, 2026): And we expect to deliver a return on tangible equity in excess of 16% this year and above this in the years to come. Charles Nunn (Jul 30, 2026): By the end of 2026, we will have delivered a cost-income ratio of less than 50%, a ROCE of greater than 16% and more than 200 basis points of capital generation. William Leon Chalmers (Jul 30, 2026): Notably, the Q2 cost-income ratio at 49% was in line with our guidance for less than 50% for the full year. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | 25 Gresham Street, London, X0, EC2V 7HN | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "33 Old Broad Street, London, GL, EC2N 1HZ, GB". |
FMP — 31 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $1.53 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T21:14:26.410Z. | |
px.change | Change on the day | +17.69% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $88.8B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:00.000Z. Captured from FMP at 2026-10-04T21:14:25.373Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
earn.next | Next earnings date | Oct 29, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
id.business_summary | Business description (FMP excerpt) | Lloyds Banking Group plc, along with its various subsidiaries, serves as a significant financial services provider throughout the United Kingdom. | FMP | Financial Modeling Prep (FMP) company profile — Deterministic excerpt derived from id.description; source and date describe the input fact, not a new provider observation | |
px.change_abs | Change on the day, in dollars | +$0.23 | FMP | Financial Modeling Prep (FMP) · quote | |
px.pe | Price / earnings (trailing) | 12.90 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 100 | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 1.08 | FMP | Financial Modeling Prep (FMP) company profile | |
id.sector | Sector / industry (provider taxonomy) | Financial Services / Banks Regional | FMP | Financial Modeling Prep (FMP) company profile — The company's SEC filings classify it under SIC 6029 — Commercial Banks, NEC. | |
id.employees | Employees | 60,061 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
id.ceo | Chief executive | Charles Alan Nunn | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
fin.q_revenue | Revenue, Q2 FY2026 | $7.17B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
fin.q_income | Net income, Q2 FY2026 | $2.03B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
earn.history.depth.2026-07-30.revenue_actual | Revenue · reported — report date 2026-07-30 | $6.58B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.revenue_estimated | Revenue · estimate — report date 2026-07-30 | $6.79B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.eps_actual | EPS · reported — report date 2026-07-30 | $0.0318 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.eps_estimated | EPS · estimate — report date 2026-07-30 | $0.0324 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-29.revenue_actual | Revenue · reported — report date 2026-04-29 | $6.33B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-29.revenue_estimated | Revenue · estimate — report date 2026-04-29 | $6.50B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-29.eps_actual | EPS · reported — report date 2026-04-29 | $0.0317 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-29.eps_estimated | EPS · estimate — report date 2026-04-29 | $0.0283 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-18.revenue_actual | Revenue · reported — report date 2026-02-18 | $6.39B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-18.revenue_estimated | Revenue · estimate — report date 2026-02-18 | $6.54B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-18.eps_actual | EPS · reported — report date 2026-02-18 | $0.0296 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-18.eps_estimated | EPS · estimate — report date 2026-02-18 | $0.0266 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.revenue_actual | Revenue · reported — report date 2025-10-23 | $6.24B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.revenue_estimated | Revenue · estimate — report date 2025-10-23 | $6.36B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.eps_actual | EPS · reported — report date 2025-10-23 | $0.0134 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.eps_estimated | EPS · estimate — report date 2025-10-23 | $0.0265 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.range52 | 52-week range | $1.05 – $1.68 | UNRECORDED | Stored company-profile observation — Captured 2026-10-04 | |
earn.history | Reported versus estimated, recent quarters | EPS beat 5 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-04 |
COMPUTED — 4 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $0.05 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 2 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 3.53% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-30.revenue_actual.comparison | Latest report · revenue vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($6.58B) with the recorded estimate ($6.79B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-30.eps_actual.comparison | Latest report · EPS vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($0.0318) with the recorded estimate ($0.0324) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 1 fact from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
gap.statement_currency | Statement currency limitation | Detailed statement figures are not shown because their conversion to USD has not been verified. | OURS | Stock Expert AI currency-basis check |
Fact-family notes
- Earnings-history note. Source series as of 2026-07-30. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-30.revenue_actual,earn.history.depth.2026-07-30.revenue_estimated,earn.history.depth.2026-07-30.revenue_actual.comparison,earn.history.depth.2026-07-30.eps_actual.comparison,earn.history.depth.2026-07-30.eps_actual,earn.history.depth.2026-07-30.eps_estimated,earn.history.depth.2026-04-29.revenue_actual,earn.history.depth.2026-04-29.revenue_estimated,earn.history.depth.2026-04-29.eps_actual,earn.history.depth.2026-04-29.eps_estimated,earn.history.depth.2026-02-18.revenue_actual,earn.history.depth.2026-02-18.revenue_estimated,earn.history.depth.2026-02-18.eps_actual,earn.history.depth.2026-02-18.eps_estimated,earn.history.depth.2025-10-23.revenue_actual,earn.history.depth.2025-10-23.revenue_estimated,earn.history.depth.2025-10-23.eps_actual,earn.history.depth.2025-10-23.eps_estimated.
- Published
- Research standards
- Methodology · Editorial policy · Corrections
- Report a number
- sedat@stockexpertai.com
Sources used for research written 2026-09-12
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | Lloyds Banking Group plc, along with its various subsidiaries, serves as a significant financial services provider throughout the United Kingdom. Its operations are strategically organized into three core divisions: Retail; Commercial Banking; and Insurance and Wealth. The Retail segment caters to individual customers and small enterprises, providing a comprehensive array of financial products. These include checking and savings accounts, home mortgages, motor vehicle financing, personal unsecured loans, leasing arrangements, and credit cards. Its Commercial Banking division supports small and medium-sized businesses, large corporations, and financial institutions by supplying essential services such as credit facilities, transactional banking, working capital optimization, risk mitigation, and access to both debt financing and capital markets. The Insurance and Wealth segment specializes in delivering insurance products, investment vehicles, and wealth management services. The company also offers advanced digital banking capabilities to its clientele. Lloyds Banking Group distributes its various offerings through several well-known brands, including Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows. This long-established organization, founded in 1695, maintains its headquarters in London, United Kingdom. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Sector / industry (provider taxonomy) | Financial Services / Banks - Regional The company's SEC filings classify it under SIC 6029 — Commercial Banks, NEC. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Trailing twelve-month ratio set | Quick ratio: 0.12; Current ratio: 0.12; Debt to equity: 2.18; Net margin: 26.7%; Gross margin: 99.1%; Operating margin: 38.3%; Return on assets: 0.5%; Return on equity: 11.1% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Management outlook — dated call excerpts | Captured record · 4 entries
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-30 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
Data provided for informational purposes only.