Lloyds Banking Group plc - ADR
LYG
Market Cap$67.35B
Close$
Earnings Call Q1 2025
May 1, 2025 - AI Summary
Strong Q1 Performance: Lloyds Banking Group reported a statutory profit after tax of ?1.1 billion with a return on tangible equity (ROTE) of 12.6%. Net income reached ?4.4 billion, representing a 4% year-on-year increase, driven by growth in both net interest income and other operating income.
Net Interest Income Guidance: The group maintains its annual net interest income (NII) forecast at approximately ?13.5 billion for 2025, with Q1 NII reaching ?3.3 billion, up 3% year-on-year. Net interest margin improved to 3.03%, up 6 basis points compared to the prior quarter, supported by a stable structural hedge.
Deposit Growth and Stability: Deposits grew by ?5 billion or 1% in Q1, with robust savings performance in retail up ?1.9 billion. The bank expects continued positive deposit trends for the remainder of the year, although commercial deposits may be affected by seasonal fluctuations.
Exclusive for Stockcircle Pro members
Sign up
$4.74
9% upside
Current Fair Value
9% upsideUndervalued by 9% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $67.35 Billion |
|---|---|
| Enterprise Value | $88.63 Billion |
| Dividend Yield | $0.17 (0.04%) |
| Earnings per Share | $0.25 |
| Beta | 1.1 |
| Outstanding Shares | 15,147,250,000 |
Return
| Return on Equity | - |
|---|---|
| Return on Assets | - |
| Return on Invested Capital | - |
Valuation & Multiples
| P/E Ratio | 10.87 |
|---|---|
| PEG | 37.85 |
| Price to Sales | 4.35 |
| Price to Book Ratio | 1.45 |
| 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....