Symbols

LYG

Lloyds Banking Group·NYSE

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LYG fundamentals

LYG Q4 2025 Earnings

Lloyds Banking Group (LYG) released its earnings on Jan 29, 2026: revenue was 6.54B (YoY +18.22%), missed estimates; EPS was 0.1214 (YoY +45.74%), beat estimates.

Revenue / YoY

6.54B

+18.22%

EPS / YoY

0.1214

+45.74%

Report date

Jan 29, 2026

LYG Earnings Call Summary for Q4,2025

Revenue Growth: 6% YoY net income growth in 2025, driven by 5% lending expansion and 11% OOI increase.
AI Impact: £100 million+ P&L contribution from AI in 2026, with 50+ use cases scaling across retail and commercial.
Capital Returns: 15% dividend growth and £1.75 billion buyback in 2025, with 2026 capital generation >200 basis points.
Strategic Momentum: 2026 guidance includes £14.9 billion NII, 5% lending growth, and 17 basis point credit charge.

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Revenue & Expenses

Key Indicators

Lloyds Banking Group (LYG) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Lloyds Banking Group (LYG)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Lloyds Banking Group (LYG)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Cash Flow

Lloyds Banking Group (LYG)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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