Lloyds Banking Group plc

XTRA:LLD Stock Report

Market Cap: €73.3b

Lloyds Banking Group Past Earnings Performance

Past criteria checks 4/6

Lloyds Banking Group's earnings have been declining at an average annual rate of -1.8%, while the Banks industry saw earnings growing at 12.5% annually. Revenues have been growing at an average rate of 4.4% per year. Lloyds Banking Group's return on equity is 11.3%, and it has net margins of 24.2%.

Key information

-1.77%

Earnings growth rate

-17.46%

EPS growth rate

Banks Industry Growth10.63%
Revenue growth rate4.35%
Return on equity11.30%
Net Margin24.16%
Last Earnings Update30 Jun 2026

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Lloyds Banking Group makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

XTRA:LLD Revenue, expenses and earnings (GBP Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 2619,6934,7588,5990
31 Mar 2619,1324,6038,6410
31 Dec 2518,6274,1968,6410
30 Sep 2517,9333,4608,5120
30 Jun 2517,7404,0528,6930
31 Mar 2517,6263,8608,5120
31 Dec 2417,5723,9238,5120
30 Sep 2418,5594,4487,6930
30 Jun 2418,5454,5068,4630
31 Mar 2418,1784,4927,6930
31 Dec 2318,3264,9337,6930
30 Sep 2317,2244,3646,4930
30 Jun 2315,6073,7716,7970
31 Mar 2315,3523,7806,4930
31 Dec 2214,5303,3896,4930
30 Sep 2214,3642,8357,2760
30 Jun 2215,8923,9346,6960
31 Mar 2216,6465,0927,2760
01 Jan 2217,1275,3556,6720
30 Sep 2116,4485,5436,6630
30 Jun 2115,4294,45710,6670
31 Mar 2112,6591,7677,1730
31 Dec 2011,1808657,3970
30 Sep 2012,2411,1795460
30 Jun 2013,0082535960
31 Mar 2015,6891,7395480
31 Dec 1917,1712,4597,9610
30 Sep 1916,9262,2226400
30 Jun 1917,2543,8836160
31 Mar 1917,4544,0046070
31 Dec 1817,5503,9756400
30 Sep 1817,8004,1256070
30 Jun 1817,7484,1726470
31 Mar 1817,7823,7756650
31 Dec 1717,7413,1446450
30 Sep 1717,6473,1581,4090
30 Jun 1716,8551,7501,1350
31 Mar 1717,6412,1268720
31 Dec 1616,5981,7426400
30 Sep 1616,4609935320
30 Jun 1616,7171,4605320
31 Mar 1615,4561395320
31 Dec 1516,6155466400
30 Sep 1516,3041,2896760

Quality Earnings: LLD has high quality earnings.

Growing Profit Margin: LLD's current net profit margins (24.2%) are higher than last year (22.8%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: LLD's earnings have declined by 1.8% per year over the past 5 years.

Accelerating Growth: LLD's earnings growth over the past year (17.4%) exceeds its 5-year average (-1.8% per year).

Earnings vs Industry: LLD earnings growth over the past year (17.4%) exceeded the Banks industry 1.7%.

Return on Equity

High ROE: LLD's Return on Equity (11.3%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/18 21:32
End of Day Share Price 2026/09/18 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Lloyds Banking Group plc is covered by 35 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jesús Gómez DominguezBanco Santander
Thomas Andrew RaynerBarclays
Amandeep RakkarBarclays