Lloyds Banking Group Plc - Understand $lyg stock

$LYG Market Cap: $34.77 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

Gross Margin

Net Earnings

$9.530B

TTM

Current Assets

Current Liabilities

$39.73B

Q2 2024

Current Ratio

Total Assets

$892.9B

Q2 2024

Total Liabilities

$848.0B

Q2 2024

Book Value

$44.89B

Q2 2024

Cash

P/E

3.649

Nov 29, 2024 EST

Free Cash Flow

$3.343B

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue
YoY Change

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$2.905B	$2.396B	$2.825B	$2.732B	$2.660B	$2.405B	$2.370B	$2.380B	$2.112B	$1.935B	$1.940B	$2.126B	$2.175B	$2.432B	$2.560B	$686.0M	$619.0M	$639.0M	$638.0M	$697.0M	$701.0M	$550.0M	$386.0M	$277.0M	$222.0M	$247.0M	$254.0M	$291.0M
YoY Change	21.24%	-15.19%	3.4%	2.71%	10.6%	1.48%	-0.42%	12.69%	9.15%	-0.26%	-8.75%	-2.25%	-10.57%	-5.0%	273.18%		-3.13%	0.16%	-8.46%	-0.57%	27.45%	42.49%	39.35%	24.77%	-10.12%	-2.76%	-12.71%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020
Interest Expense	14.75B gbps	3.688B gbps	3.892B gbps	3.557B gbps
YoY Change	300.03%	-5.24%	9.42%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Pretax Income	$7.503B	$6.928B	$6.902B	$1.226B	$4.393B	$5.960B	$5.275B	$4.238B	$1.644B	$1.762B	$415.0M	-$570.0M	-$551.0M	$281.0M	$1.042B	$760.0M	$4.000B	$4.248B	$3.820B	$3.477B	$4.348B	$2.618B	$3.161B	$3.860B	$3.621B	$3.015B	$3.162B	-$495.0M	$1.900B
YoY Change	8.3%	0.38%	462.97%	-72.09%	-26.29%	12.99%	24.47%	157.79%	-6.7%	324.58%	-172.81%	3.45%	-296.09%	-73.03%	37.11%	-81.0%	-5.84%	11.2%	9.86%	-20.03%	66.08%	-17.18%	-18.11%	6.6%	20.1%	-4.65%	-738.79%	-126.05%
Income Tax	$1.985B	$1.373B	$1.017B	-$161.0M	$1.387B	$1.454B	$1.626B	$1.724B	$688.0M	$263.0M	$1.217B	$773.0M	$3.000M	$539.0M	-$1.911B	-$38.00M	$679.0M	$1.341B	$1.265B	$1.018B	$1.025B	$766.0M	$875.0M	$1.105B	$1.101B	$882.0M	$813.0M	$786.0M	$642.0M
% Of Pretax Income	26.46%	19.82%	14.73%	-13.13%	31.57%	24.4%	30.82%	40.68%	41.85%	14.93%	293.25%			191.81%	-183.4%	-5.0%	16.98%	31.57%	33.12%	29.28%	23.57%	29.26%	27.68%	28.63%	30.41%	29.25%	25.71%		33.79%
Net Earnings	5.518B gbps	5.555B gbps	$5.784B	$1.318B	$2.925B	$4.408B	$3.559B	$2.413B	$860.0M	$1.412B	-$838.0M	-$1.427B	-$627.0M	-$320.0M	$2.827B	$772.0M	$3.289B	$2.803B	$2.493B	$2.392B	$3.254B	$1.790B	$2.229B	$2.706B	$2.514B	$2.120B	$2.335B	-$1.425B	$1.130B
YoY Change	-0.67%	-3.96%	338.85%	-54.94%	-33.64%	23.86%	47.49%	180.58%	-39.09%	-268.5%	-41.28%	127.59%	95.94%	-111.32%	266.19%	-76.53%	17.34%	12.43%	4.22%	-26.49%	81.79%	-19.69%	-17.63%	7.64%	18.58%	-9.21%	-263.86%	-226.11%
Net Earnings / Revenue
Basic Earnings Per Share
Diluted Earnings Per Share	$0.08	$0.07	$80.57K	$18.50K	$41.03K	$60.99K	$49.16K	$33.50K	$11.89K	$19.49K	-$11.80K	-$20.43K	-$9.157K	-$4.768K	$74.53K	$66.21K	$287.1K	$245.4K	$219.3K	$211.0K	$288.3K	$158.6K	$198.1K	$242.1K	$224.9K	$191.0K	$212.2K	-$139.9K	$111.8K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$12.53B	$8.128B	$7.965B	$8.407B	$9.551B	$8.530B	$9.028B	$9.208B	$8.618B	$8.052B	$7.570B	$7.342B	$7.673B	$8.190B	$9.224B	$2.965B	$2.839B	$4.252B	$4.291B	$4.180B	$3.918B	$4.096B	$3.365B	$3.037B	$2.035B	$1.634B	$1.699B	$1.962B	$2.354B
YoY Change	54.16%	2.05%	-5.26%	-11.98%	11.97%	-5.52%	-1.95%	6.85%	7.03%	6.37%	3.11%	-4.31%	-6.31%	-11.21%	211.1%	4.44%	-33.23%	-0.91%	2.66%	6.69%	-4.35%	21.72%	10.8%	49.24%	24.54%	-3.83%	-13.4%	-16.65%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments		$385.0M	$352.0M	$296.0M	$304.0M	$91.00M	$65.00M	$59.00M	$47.00M	$74.00M	$101.0M	$313.0M		$429.0M	$479.0M	$55.00M					$54.00M	$45.00M	$39.00M	$9.000M		$25.00M	$25.00M	$142.0M	$150.0M
YoY Change		9.38%	18.92%	-2.63%	234.07%	40.0%	10.17%	25.53%	-36.49%	-26.73%	-67.73%			-10.44%	770.91%						20.0%	15.38%	333.33%			0.0%	-82.39%	-5.33%
Other Assets	$8.809B	$9.051B	$7.649B	$4.455B	$3.347B	$10.83B	$10.79B	$9.693B	$12.64B	$18.03B	$15.19B	$12.01B	$5.897B	$7.220B	$5.006B	$833.0M	$0.00						$356.0M
YoY Change	-2.67%	18.33%	71.69%	33.1%	-69.1%	0.35%	11.35%	-23.29%	-29.93%	18.75%	26.48%	103.61%	-18.32%	44.23%	500.96%
Total Long-Term Assets
YoY Change
Total Assets	$881.5B	$877.8B	$886.5B	$871.3B	$833.9B	$797.6B	$812.1B	$817.8B	$806.7B	$854.9B	$842.4B	$934.2B	$980.2B	$991.6B	$1027B	$436.0B	$353.3B	$343.6B	$309.8B	$284.4B	$252.0B	$252.6B	$235.8B	$219.1B	$176.0B	$168.0B	$158.1B	$147.4B	$148.0B
YoY Change
Accounts Payable	$5.439B	$5.987B	$5.543B	$5.357B
YoY Change	-9.15%	8.01%	3.47%
Accrued Expenses																					$3.206B	$3.659B	$3.563B	$4.174B	$3.309B	$3.163B	$3.264B	$2.804B	$3.076B
YoY Change																					-12.38%	2.69%	-14.64%	26.14%	4.62%	-3.09%	16.41%	-8.84%
Deferred Revenue
YoY Change
Short-Term Debt	$39.10B	$50.25B	$32.76B	$1.611B	$1.452B	$1.740B	$4.535B	$11.69B	$8.890B	$31.85B	$34.89B	$68.82B	$1.989B	$58.48B	$70.45B	$20.72B	$17.39B	$13.07B	$10.42B	$8.181B	$3.625B	$3.109B
YoY Change	-22.2%	53.37%	1933.64%	10.95%	-16.55%	-61.63%	-61.21%	31.51%	-72.09%	-8.7%	-49.3%	3359.83%	-96.6%	-17.0%	240.0%	19.17%	33.07%	25.39%	27.38%	125.68%	16.6%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$44.57B	$5.995B	$5.549B	$5.388B	$187.0M	$377.0M	$274.0M	$226.0M	$279.0M	$69.00M	$147.0M	$138.0M	$103.0M	$149.0M	$51.00M	$20.72B	$484.0M	$817.0M	$552.0M	$459.0M	$3.206B	$3.659B	$3.563B	$5.977B	$4.937B	$4.668B	$4.703B	$3.752B	$5.268B
YoY Change	643.5%	8.04%	2.99%	2781.28%	-50.4%	37.59%	21.24%	-19.0%	304.35%	-53.06%	6.52%	33.98%	-30.87%	192.16%	-99.75%	4181.4%	-40.76%	48.01%	20.26%	-85.68%	-12.38%	2.69%	-40.39%	21.07%	5.76%	-0.74%	25.35%	-28.78%
Long-Term Debt	$87.48B	$85.87B	$86.14B	$103.3B	$114.8B	$108.8B	$90.37B	$96.15B	$105.4B	$73.60B	$91.33B	$112.5B	$220.1B	$191.2B	$183.5B	$39.13B	$31.15B	$27.88B	$19.23B	$15.62B	$16.34B	$16.07B	$32.53B	$25.41B	$18.75B	$15.87B	$16.23B	$15.15B	$14.75B
YoY Change	1.88%	-0.31%	-16.64%	-10.01%	5.51%	20.42%	-6.0%	-8.75%	43.16%	-19.41%	-18.84%	-48.87%	15.11%	4.21%	368.84%	25.63%	11.72%	45.01%	23.13%	-4.41%	1.67%	-50.6%	28.02%	35.49%	18.14%	-2.22%	7.19%	2.66%
Other Long-Term Liabilities	$224.3B	$205.4B	$224.9B	$219.9B	$220.1B	$188.1B	$222.5B	$238.8B	$216.9B	$242.5B	$228.1B	$272.3B	$257.9B	$176.5B	$183.0B	$68.52B	$72.06B	$81.39B	$76.03B	$71.39B	$59.63B	$55.94B	$53.43B	$56.32B	$30.91B	$31.09B	$27.62B	$25.91B	$27.30B
YoY Change	9.22%	-8.68%	2.25%	-0.06%	17.02%	-15.47%	-6.83%	10.08%	-10.55%	6.34%	-16.24%	5.59%	46.09%	-3.51%	167.04%	-4.92%	-11.46%	7.05%	6.49%	19.74%	6.59%	4.7%	-5.14%	82.2%	-0.55%	12.55%	6.59%	-5.08%
Total Long-Term Liabilities	$311.8B	$291.3B	$311.0B	$323.3B	$334.9B	$296.9B	$312.9B	$335.0B	$322.3B	$316.1B	$319.4B	$384.8B	$477.9B	$367.7B	$366.4B	$107.6B	$103.2B	$109.3B	$95.25B	$87.01B	$75.96B	$72.01B	$85.96B	$81.73B	$49.67B	$46.96B	$43.85B	$41.06B	$42.05B
YoY Change	7.06%	-6.36%	-3.79%	-3.47%	12.8%	-5.1%	-6.6%	3.92%	1.95%	-1.02%	-17.0%	-19.48%	29.98%	0.35%	240.39%	4.3%	-5.54%	14.71%	9.48%	14.54%	5.49%	-16.23%	5.17%	64.56%	5.76%	7.09%	6.81%	-2.37%
Total Liabilities	$834.3B	$830.6B	$833.6B	$822.1B	$786.3B	$747.7B	$763.2B	$769.4B	$760.1B	$806.2B	$803.4B	$892.3B	$934.7B	$945.5B	$984.0B	$426.6B	$341.2B	$332.4B	$299.6B	$273.4B	$242.4B	$244.6B	$225.4B	$209.1B	$167.4B	$160.5B	$151.9B	$142.3B	$143.8B
YoY Change	0.45%	-0.37%	1.4%	4.55%	5.16%	-2.03%	-0.81%	1.23%	-5.72%	0.35%	-9.97%	-4.54%	-1.14%	-3.91%	130.63%	25.04%	2.64%	10.98%	9.58%	12.78%	-0.91%	8.51%	7.82%	24.91%	4.28%	5.71%	6.72%	-1.07%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $34.772 Billion

About Lloyds Banking Group plc

Lloyds Banking Group Plc is a financial services company, which engages in the provision of banking and financial services. The firm provides a range of banking and financial services that is focused primarily on retail and commercial customers. The company operates through three segments: Retail, Commercial Banking, and Insurance, Pensions and Investments. The Retail segment offers a range of financial services products to personal customers, including current accounts, savings, mortgages, credit cards, unsecured loans, motor finance and leasing solutions. The Commercial Banking segment serves small and medium businesses, as well as corporate and institutional clients, providing lending, transactional banking, working capital management, debt financing and risk management services. The Insurance, Pensions and Investments segment offers insurance, investment and pension management products and services. This segment helps customers with their long-term protection, retirement and investment needs.

Industry: Commercial Banks, NEC Peers: