Financials Lloyds Banking Group plc

Equities

Market Closed - London S.E. Other stock markets 11:35:28 2025-12-15 am EST			5-day change	1st Jan Change
95.14 ^GBX	+1.52%		-0.59%	+73.68%

09:18am	Sector Update: Financial Stocks Rise Pre-Bell Monday	MT
07:23am	Lloyds Banking Group Names Amanda Murphy as CEO of Commercial Banking Unit	MT

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	15,288	16,223	18,421	18,888	18,442	19,676	21,276	22,501
Change	-	6.12%	13.55%	2.54%	-2.36%	6.69%	8.13%	5.76%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	6,440	6,833	8,958	8,117	6,776	7,655	9,687	10,670
Change	-	6.1%	31.1%	-9.39%	-16.52%	12.98%	26.55%	10.14%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	1,226	6,902	6,928	7,503	5,971	6,286	8,352	9,423
Change	-	462.97%	0.38%	8.3%	-20.42%	5.27%	32.87%	12.83%
Net income ¹	1,318	5,784	5,459	5,460	4,421	4,106	5,617	6,298
Change	-	338.85%	-5.62%	0.02%	-19.03%	-7.12%	36.78%	12.12%
Announcement Date	2/24/21	2/24/22	2/22/23	2/22/24	2/20/25	-	-	-

¹GBP in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3
Net sales ¹	3,743	3,812	4,023	4,188	4,200	4,206	4,458	4,676	5,081	4,792	4,750	4,743	4,603	4,524	4,548	4,661	4,709	4,746	4,878	5,008	5,113	5,221	5,359	5,558
Change	-	1.84%	5.54%	4.1%	0.29%	0.14%	5.99%	4.89%	8.66%	-5.69%	-0.88%	-0.15%	-2.95%	-1.72%	0.53%	2.48%	1.03%	0.79%	2.78%	2.67%	2.11%	2.11%	2.64%	3.7%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT	1,440	1,748	1,661	-	-	-	-	-	-	-	2,240	-	1,205	-	-	-	-	-	2,162	1,466	-	-	-	-
Change	-	21.39%	-4.98%	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-32.19%	-	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT)	792	1,898	2,007	-	968	1,623	2,038	1,508	1,759	2,260	1,610	1,858	1,775	-	-	-	-	-	-	-	-	-	-	-
Change	-	139.65%	5.74%	-	-	67.67%	25.57%	-26.01%	16.64%	28.48%	-28.76%	15.4%	-4.47%	-	-	-	-	-	-	-	-	-	-	-
Net income ¹	632	-	2,214	-	360	1,204	1,622	1,209	1,500	1,641	-	1,420	1,234	-	-	-	700	1,006	1,268	618	1,305	-	-	-
Change	-	-	-	-	-	234.44%	34.72%	-25.46%	24.07%	9.4%	-	-	-13.1%	-	-	-	-	43.71%	26.04%	-51.26%	111.22%	-	-	-
Announcement Date	2/24/21	4/28/21	7/29/21	10/28/21	2/24/22	4/27/22	7/27/22	10/27/22	2/22/23	5/3/23	7/26/23	10/25/23	2/22/24	4/24/24	7/25/24	10/23/24	2/20/25	5/1/25	7/24/25	10/23/25	-	-	-	-

¹GBP in Million

Estimates

Fiscal Period: December	2021 S1	2021 S2	2022 S2	2023 S1	2023 S2
Net sales ¹	7,835	8,388	9,757	9,542	9,346
Change	-	7.06%	16.32%	-2.2%	-2.05%
EBITDA	-	-	-	-	-
Change	-	-	-	-	-
EBIT ¹	-	-	-	4,703	3,414
Change	-	-	-	-	-27.41%
Charge d'intérêts	-	-	-	-	-
Earnings before Tax (EBT) ¹	3,905	2,997	3,267	3,870	3,633
Change	-	-23.25%	9.01%	18.46%	-6.12%
Net income ¹	3,611	1,960	2,676	2,572	2,888
Change	-	-45.72%	36.53%	-3.89%	12.29%
Announcement Date	7/29/21	2/24/22	2/22/23	7/26/23	2/22/24

¹GBP in Million

Estimates

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	2/24/21	2/24/22	2/22/23	2/22/24	2/20/25	-	-	-

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	3,442	2,901	3,228	3,855	5,455	4,364
Change	-	-15.72%	11.27%	19.42%	41.5%	-20%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	2/20/20	2/24/21	2/24/22	2/22/23	2/22/24	2/20/25

¹GBP in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	42.12%	42.12%	48.63%	42.97%	36.74%	38.91%	45.53%	47.42%
EBT Margin (%)	-	8.02%	42.54%	37.61%	39.72%	32.38%	31.95%	39.25%	41.88%
Net margin (%)	-	8.62%	35.65%	29.63%	28.91%	23.97%	20.87%	26.4%	27.99%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.15%	0.66%	0.62%	0.65%	0.53%	0.47%	0.57%	0.63%
ROE	-	3.7%	11.33%	13.5%	12.52%	10.12%	11.28%	13.77%	14.71%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.0057	0.02	0.024	0.0276	0.0317	0.036	0.0416	0.0486
Change	-	-	250.88%	20%	15%	14.86%	13.5%	15.65%	16.85%
Book Value Per Share ¹	-	0.6966	0.746	0.6867	0.726	0.7325	0.6926	0.7538	0.8131
Change	-	-	7.09%	-7.95%	5.72%	0.9%	-5.45%	8.84%	7.87%
EPS ¹	-	0.012	0.075	0.072	0.075	0.062	0.0668	0.0946	0.1127
Change	-	-	525%	-4%	4.17%	-17.33%	7.81%	41.46%	19.16%
Nbr of stocks (in thousands)	-	70,823,910	71,014,218	66,817,904	63,225,307	60,530,039	58,779,578	58,779,578	58,779,578
Announcement Date	-	2/24/21	2/24/22	2/22/23	2/22/24	2/20/25	-	-	-