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LLOYDS BANKING GROUP Earnings Calls
| Release date | Jan 29, 2026 |
| EPS estimate | $0.0266 |
| EPS actual | $0.0274 |
| EPS Surprise | 2.90% |
| Revenue estimate | 6.537B |
| Revenue actual | 6.382B |
| Revenue Surprise | -2.36% |
| Release date | Oct 23, 2025 |
| EPS estimate | $0.0265 |
| EPS actual | $0.0164 |
| EPS Surprise | -38.17% |
| Revenue estimate | 6.361B |
| Revenue actual | -5823410560 |
| Revenue Surprise | -191.55% |
| Release date | Jul 24, 2025 |
| EPS estimate | $0.0267 |
| EPS actual | $0.0299 |
| EPS Surprise | 11.93% |
| Revenue estimate | 6.296B |
| Revenue actual | 18.921B |
| Revenue Surprise | 200.54% |
| Release date | May 01, 2025 |
| EPS estimate | $0.0222 |
| EPS actual | $0.0230 |
| EPS Surprise | 3.33% |
| Revenue estimate | 5.779B |
| Revenue actual | 6.062B |
| Revenue Surprise | 4.89% |
Last 4 Quarters for LLOYDS BANKING GROUP
Below you can see how LLOBF performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | May 01, 2025 |
| Price on release | $2.10 |
| EPS estimate | $0.0222 |
| EPS actual | $0.0230 |
| EPS surprise | 3.33% |
| Date | Price |
|---|---|
| Apr 25, 2025 | $2.10 |
| Apr 28, 2025 | $2.10 |
| Apr 29, 2025 | $2.10 |
| Apr 30, 2025 | $2.10 |
| May 01, 2025 | $2.10 |
| May 02, 2025 | $2.10 |
| May 05, 2025 | $2.10 |
| May 06, 2025 | $2.10 |
| May 07, 2025 | $2.10 |
| 4 days before | 0% |
| 4 days after | 0% |
| On release day | 0% |
| Change in period | 0% |
| Release date | Jul 24, 2025 |
| Price on release | $2.20 |
| EPS estimate | $0.0267 |
| EPS actual | $0.0299 |
| EPS surprise | 11.93% |
| Date | Price |
|---|---|
| Jul 18, 2025 | $2.20 |
| Jul 21, 2025 | $2.20 |
| Jul 22, 2025 | $2.20 |
| Jul 23, 2025 | $2.20 |
| Jul 24, 2025 | $2.20 |
| Jul 25, 2025 | $2.20 |
| Jul 28, 2025 | $2.20 |
| Jul 29, 2025 | $2.20 |
| Jul 30, 2025 | $2.20 |
| 4 days before | 0% |
| 4 days after | 0% |
| On release day | 0% |
| Change in period | 0% |
| Release date | Oct 23, 2025 |
| Price on release | $1.88 |
| EPS estimate | $0.0265 |
| EPS actual | $0.0164 |
| EPS surprise | -38.17% |
| Date | Price |
|---|---|
| Oct 17, 2025 | $2.20 |
| Oct 20, 2025 | $2.03 |
| Oct 21, 2025 | $1.86 |
| Oct 22, 2025 | $1.88 |
| Oct 23, 2025 | $1.88 |
| Oct 24, 2025 | $1.86 |
| Oct 27, 2025 | $1.88 |
| Oct 28, 2025 | $1.88 |
| Oct 29, 2025 | $1.88 |
| 4 days before | -14.55% |
| 4 days after | 0% |
| On release day | 0% |
| Change in period | -14.55% |
| Release date | Jan 29, 2026 |
| Price on release | $2.00 |
| EPS estimate | $0.0266 |
| EPS actual | $0.0274 |
| EPS surprise | 2.90% |
| Date | Price |
|---|---|
| Jan 23, 2026 | $2.00 |
| Jan 26, 2026 | $2.00 |
| Jan 27, 2026 | $2.00 |
| Jan 28, 2026 | $2.00 |
| Jan 29, 2026 | $2.00 |
| Jan 30, 2026 | $2.00 |
| Feb 02, 2026 | $2.00 |
| Feb 03, 2026 | $2.00 |
| Feb 04, 2026 | $2.00 |
| 4 days before | 0% |
| 4 days after | 0% |
| On release day | 0% |
| Change in period | 0% |
LLOYDS BANKING GROUP Earnings Call Transcript Summary of Q4 2025
Lloyds Banking Group reported a strong 2025, citing accelerating strategic delivery across retail, commercial banking and insurance/wealth that is driving revenue diversification, cost savings and capital generation. Key financials: statutory profit after tax £4.8bn (RoTE 12.9% or 14.8% excluding a Q3 motor provision); net income £18.3bn (NII +6%, OOI +9%); operating costs £9.76bn; impairment charge £795m. Management announced a 15% increase in the ordinary dividend and a share buyback program of up to £1.75bn (total capital return up to £3.9bn). They upgraded 2026 targets: return on tangible equity to >16%, other strategic-initiative revenue target to ~£2bn and expect cost/income <50% in 2026. NII guidance for 2026 is c. £14.9bn, supported by expected ~£1.5bn uplift in structural hedge income (to around £7bn) and continued balance-sheet growth. Lloyds has realized c. £1.9bn gross cost savings since 2021 and c. £1.4bn additional revenue from strategic initiatives to date. The bank is scaling AI/ digital: 50 Gen-AI use cases moved into production in 2025 delivering ~£50m P&L benefit, and management expects >£100m P&L benefit from AI in 2026. Capital generation was strong in 2025 (147 bps, or 178 bps ex-motor charge) and is expected >200 bps in 2026; Basel 3.1 is expected to reduce RWAs by c. £6–8bn on 1 Jan 2027. Management reiterated a disciplined M&A stance (high bar) but will deploy surplus capital via progressive dividends and buybacks, reviewing excess distributions semi‑annually going forward. Overall outlook: confident for upgraded 2026 guidance and continued improvements beyond 2026, with a strategic update and medium-term financial plan to be published in July.
