Lloyds Banking Group plc
LLDTF
Market Cap$67.35B
Close$
Earnings Call Q1 2025
May 1, 2025 - AI Summary
Strong Financial Performance: Lloyds Banking Group reported a statutory profit after tax of ?1.1 billion in Q1 2025, with a return on tangible equity (RoTE) of 12.6%. Net income of ?4.4 billion increased by 4% year-on-year, driven by growth in both net interest income (NII) and other operating income (OOI).
Net Interest Income Guidance: The group maintains guidance of approximately ?13.5 billion for total net interest income in 2025, supported by a net interest margin that rose to 3.03%. NII is anticipated to continue increasing, backed by strong structural hedge income, which generated ?1.2 billion in Q1.
Cost Management and Discipline: Operating costs amounted to ?2.6 billion, reflecting a 6% year-on-year increase primarily due to front-loaded severance costs. Despite higher costs, the group is on track to meet its ?9.7 billion operating cost guidance for 2025, aiming to improve the cost-to-income ratio over the year.
Exclusive for Stockcircle Pro members
Sign up
$0.46
59.1% downside
Current Fair Value
59.1% downsideOvervalued by 59.1% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $67.35 Billion |
|---|---|
| Enterprise Value | $88.63 Billion |
| Dividend Yield | $0.04 (0.04%) |
| Earnings per Share | $0.06 |
| Beta | 1.1 |
| Outstanding Shares | 60,589,000,000 |
Return
| Return on Equity | - |
|---|---|
| Return on Assets | - |
| Return on Invested Capital | - |
Valuation & Multiples
| P/E Ratio | 10.87 |
|---|---|
| PEG | 37.85 |
| Price to Sales | - |
| Price to Book Ratio | - |
| Enterprise Value to Revenue | 3.17 |
| Enterprise Value to EBIT | 43.94 |
| Enterprise Value to Net Income | 19 |
| Total Debt to Enterprise | 0.96 |
| Debt to Equity | 1.83 |
Revenue Sources
No data
Insider Trades
ESG Score
No data
About Lloyds Banking Group Plc
CEO: Ant¨®nio Mota De Sousa Horta-Os¨®rio Lloyds Banking Group Plc is a financial services company, which engages in the provision of a wide range of banking and financial services. It operates through the following segments: Retail; Commercial Banking; and Insurance and Wealth....