About Lloyds Banking Group plc (LLOY)
Lloyds Banking Group plc is a Banks - Regional company operating in the Financial Services sector. The company is headquartered in London, United Kingdom. LLOY has been publicly traded since 1995, giving it 31+ years of trading history.
Lloyds Banking Group plc (LLOY) has been publicly traded since 1995, making it a 31-year-old public company. It operates in the Banks - Regional industry within the Financial Services sector. The company is headquartered in London, United Kingdom and employs approximately 60,061 people. With a market capitalization of £55 billion, LLOY is a large established company.
LLOY trades on the London Stock Exchange and is classified as a large-cap-cap stock with a market capitalization of approximately £55 billion. The company employs approximately 60,061 people worldwide.
Key Statistics
- Current Price
- £94.18
- Market Cap
- £55.40B
- 52-Week High
- £114.60
- 52-Week Low
- £60.78
- Sector
- Financial Services
- Industry
- Banks - Regional
LLOY Investment Performance
LLOY has declined 4.1% year-to-date in 2026. Over the past 5 years, a £1,000 investment in LLOY would have grown to £2,277, representing a 127.7% total return. Since its IPO in 1995, a £1,000 investment would now be worth £427.
£1,000 Invested in Lloyds Banking Group plc (LLOY)
How much would £1,000 invested in LLOY be worth today?
What would £1,000 invested in LLOY 1 year ago be worth today?
A £1,000 investment in Lloyds Banking Group plc (LLOY) in 2025 would be worth £1,350 as of March 2026, representing a +35.0% total return.
What would £1,000 invested in LLOY 3 years ago be worth today?
A £1,000 investment in Lloyds Banking Group plc (LLOY) in 2023 would be worth £2,039 as of March 2026, representing a +104.0% total return.
What would £1,000 invested in LLOY 5 years ago be worth today?
A £1,000 investment in Lloyds Banking Group plc (LLOY) in 2021 would be worth £2,277 as of March 2026, representing a +127.7% total return.
What would £1,000 invested in LLOY 10 years ago be worth today?
A £1,000 investment in Lloyds Banking Group plc (LLOY) in 2016 would be worth £1,373 as of March 2026, representing a +37.3% total return.
What would £1,000 invested in LLOY at IPO be worth today?
A £1,000 investment in Lloyds Banking Group plc (LLOY) at IPO would be worth £427 as of March 2026, representing a -57.3% total return.
Monthly Returns Heatmap
Over the past 30+ years (363 months), Lloyds Banking Group plc (LLOY) has averaged a monthly return of +0.27% with a median return of +0.31%. The stock had 186 positive months (51%) and 176 negative months (48%). The best month in LLOY's history was April 2009 with a +58.4% return, while the worst was May 2009 at -37.8%. Historically, April tends to be the strongest month (averaging +4.3%), and June the weakest (-2.5%).
LLOY's longest winning streak was 9 consecutive months of gains, while its longest losing streak was 8 consecutive months of losses. The best full year was 2012 with a cumulative return of +71.2%, and the worst was 2008 at -118.8%.
Annual Returns
Over 31 years of trading history, Lloyds Banking Group plc (LLOY) has delivered an average annual return of +4.81% with a median return of +3.35%. The compound annual growth rate (CAGR) is -2.60%. The stock posted gains in 17 years (55%) and losses in 14 years (45%).
LLOY's best year was 2012 with a +84.96% gain, while the worst was 2008 at -73.28%. The longest streak of consecutive positive years was 4, and the longest losing streak was 3 years. LLOY achieved double-digit gains (10%+) in 10 years. It suffered double-digit losses in 8 years.
| Year | Return | Start | End |
|---|---|---|---|
| 2026 | -4.13% | £98.24 | £94.18 |
| 2025 | +79.42% | £54.75 | £98.24 |
| 2024 | +14.88% | £47.66 | £54.75 |
| 2023 | +5.12% | £45.34 | £47.66 |
| 2022 | -4.96% | £47.70 | £45.34 |
| 2021 | +31.21% | £36.36 | £47.70 |
| 2020 | -41.70% | £62.36 | £36.36 |
| 2019 | +20.61% | £51.70 | £62.36 |
| 2018 | -23.78% | £67.83 | £51.70 |
| 2017 | +8.93% | £62.27 | £67.83 |
| 2016 | -14.41% | £72.76 | £62.27 |
| 2015 | -3.61% | £75.48 | £72.76 |
| 2014 | -3.88% | £78.53 | £75.48 |
| 2013 | +64.62% | £47.70 | £78.53 |
| 2012 | +84.96% | £25.79 | £47.70 |
| 2011 | -60.57% | £65.41 | £25.79 |
| 2010 | +29.61% | £50.47 | £65.41 |
| 2009 | -38.07% | £81.49 | £50.47 |
| 2008 | -73.28% | £304.99 | £81.49 |
| 2007 | -17.36% | £369.06 | £304.99 |
| 2006 | +17.07% | £315.26 | £369.06 |
| 2005 | +3.35% | £305.05 | £315.26 |
| 2004 | +5.67% | £288.69 | £305.05 |
| 2003 | +0.54% | £287.15 | £288.69 |
| 2002 | -40.18% | £480.07 | £287.15 |
| 2001 | +5.42% | £455.40 | £480.07 |
| 2000 | -8.54% | £497.95 | £455.40 |
| 1999 | -9.39% | £549.55 | £497.95 |
| 1998 | +8.66% | £505.74 | £549.55 |
| 1997 | +82.86% | £276.58 | £505.74 |
| 1996 | +29.91% | £212.90 | £276.58 |
LLOY Investment Analysis: Valuation, Risk & Dividends
Key factors to consider when evaluating Lloyds Banking Group plc as an investment
Valuation
LLOY currently trades at a trailing P/E ratio of 13.5, which is considered low relative to the broader market. The forward P/E of 7.9 suggests analysts expect earnings to be lower in the coming year. The price-to-book ratio stands at 132.6. The price-to-sales ratio is 3.0.
Dividends
Lloyds Banking Group plc pays a dividend to shareholders with a current yield of 3.88%. This translates to £0.04 per share annually. The payout ratio of 48% indicates sustainable dividend coverage.
Risk & Volatility
LLOY has a beta of 0.93, indicating it is similarly volatile to the overall market. The stock's 52-week range is £60.78 to £114.60, and it currently trades in the upper half of its 52-week range.
Analyst Ratings
Based on 18 analyst opinions, LLOY has a consensus "buy" rating. The average price target of £111.61 suggests 18.5% upside from current levels.
Frequently Asked Questions: LLOY
What sector is LLOY in? ▼
LLOY operates in the Financial Services sector, specifically in the Banks - Regional industry. This sector includes banks, insurance companies, asset managers, and fintech companies.
How has LLOY performed historically? ▼
Over 31 years of trading history, LLOY has posted gains in 17 years (55% of the time). The best year was 2012 with a +85.0% return. Past performance does not guarantee future results.
How can I invest in LLOY? ▼
You can invest in LLOY through any brokerage account that offers access to the London Stock Exchange. Popular options include commission-free brokers like Fidelity, Charles Schwab, or Robinhood (US), or international brokers like Interactive Brokers. You can buy individual shares or invest through ETFs that hold LLOY.
Does LLOY pay dividends? ▼
Lloyds Banking Group plc pays a dividend to shareholders with a current yield of 3.88%. This translates to £0.04 per share annually. The payout ratio of 48% indicates sustainable dividend coverage.
What does Lloyds Banking Group plc do? ▼
Lloyds Banking Group plc is a Banks - Regional company operating in the Financial Services sector. The company is headquartered in London, United Kingdom.
What sector is LLOY in? ▼
LLOY operates in the Financial Services sector, specifically in the Banks - Regional industry.
When did LLOY go public? ▼
Lloyds Banking Group plc went public in 1995, making it a 31-year-old public company as of 2026.
How much would £1,000 invested in LLOY 5 years ago be worth today? ▼
A £1,000 investment in LLOY five years ago would be worth approximately £2,277 today, representing a 127.7% return.
Does LLOY pay dividends? ▼
Yes, Lloyds Banking Group plc pays a dividend with a current yield of 3.88%, which is £0.04 per share annually.
What is LLOY's market cap? ▼
Lloyds Banking Group plc has a market capitalization of £55 billion, classifying it as a large-cap company.
What is LLOY's P/E ratio? ▼
LLOY has a trailing P/E ratio of 13.5 and a forward P/E of 7.9, which measures how much investors are paying per dollar of earnings.
Is LLOY a buy, hold, or sell? ▼
Based on 18 opinions, LLOY has a consensus "buy" rating. The average price target is £111.61.
Last updated: 3/14/2026