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Lloyds Banking Group Earnings Calls
| Release date | Oct 23, 2025 |
| EPS estimate | $0.120 |
| EPS actual | $0.0500 |
| EPS Surprise | -58.33% |
| Revenue estimate | 6.812B |
| Revenue actual | -5823410560 |
| Revenue Surprise | -185.49% |
| Release date | Jul 24, 2025 |
| EPS estimate | $0.100 |
| EPS actual | $0.140 |
| EPS Surprise | 40.00% |
| Revenue estimate | 6.743B |
| Revenue actual | 18.921B |
| Revenue Surprise | 180.61% |
| Release date | May 01, 2025 |
| EPS estimate | $0.0800 |
| EPS actual | $0.110 |
| EPS Surprise | 37.50% |
| Revenue estimate | 6.394B |
| Revenue actual | 5.661B |
| Revenue Surprise | -11.45% |
| Release date | Feb 20, 2025 |
| EPS estimate | $0.0800 |
| EPS actual | $0.0500 |
| EPS Surprise | -37.50% |
| Revenue estimate | 6.083B |
| Revenue actual | 30.199B |
| Revenue Surprise | 396.42% |
Last 4 Quarters for Lloyds Banking Group
Below you can see how LYG 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 | Feb 20, 2025 |
| Price on release | $3.33 |
| EPS estimate | $0.0800 |
| EPS actual | $0.0500 |
| EPS surprise | -37.50% |
| Date | Price |
|---|---|
| Feb 13, 2025 | $3.20 |
| Feb 14, 2025 | $3.22 |
| Feb 18, 2025 | $3.19 |
| Feb 19, 2025 | $3.14 |
| Feb 20, 2025 | $3.33 |
| Feb 21, 2025 | $3.37 |
| Feb 24, 2025 | $3.40 |
| Feb 25, 2025 | $3.55 |
| Feb 26, 2025 | $3.66 |
| 4 days before | 4.06% |
| 4 days after | 9.91% |
| On release day | 1.20% |
| Change in period | 14.38% |
| Release date | May 01, 2025 |
| Price on release | $3.76 |
| EPS estimate | $0.0800 |
| EPS actual | $0.110 |
| EPS surprise | 37.50% |
| Date | Price |
|---|---|
| Apr 25, 2025 | $3.94 |
| Apr 28, 2025 | $3.96 |
| Apr 29, 2025 | $3.98 |
| Apr 30, 2025 | $3.95 |
| May 01, 2025 | $3.76 |
| May 02, 2025 | $3.75 |
| May 05, 2025 | $3.79 |
| May 06, 2025 | $3.84 |
| May 07, 2025 | $3.88 |
| 4 days before | -4.57% |
| 4 days after | 3.19% |
| On release day | -0.266% |
| Change in period | -1.52% |
| Release date | Jul 24, 2025 |
| Price on release | $4.24 |
| EPS estimate | $0.100 |
| EPS actual | $0.140 |
| EPS surprise | 40.00% |
| Date | Price |
|---|---|
| Jul 18, 2025 | $4.18 |
| Jul 21, 2025 | $4.24 |
| Jul 22, 2025 | $4.25 |
| Jul 23, 2025 | $4.29 |
| Jul 24, 2025 | $4.24 |
| Jul 25, 2025 | $4.32 |
| Jul 28, 2025 | $4.20 |
| Jul 29, 2025 | $4.30 |
| Jul 30, 2025 | $4.21 |
| 4 days before | 1.44% |
| 4 days after | -0.708% |
| On release day | 1.89% |
| Change in period | 0.718% |
| Release date | Oct 23, 2025 |
| Price on release | $4.54 |
| EPS estimate | $0.120 |
| EPS actual | $0.0500 |
| EPS surprise | -58.33% |
| Date | Price |
|---|---|
| Oct 17, 2025 | $4.48 |
| Oct 20, 2025 | $4.48 |
| Oct 21, 2025 | $4.44 |
| Oct 22, 2025 | $4.52 |
| Oct 23, 2025 | $4.54 |
| Oct 24, 2025 | $4.57 |
| Oct 27, 2025 | $4.70 |
| Oct 28, 2025 | $4.68 |
| Oct 29, 2025 | $4.68 |
| 4 days before | 1.34% |
| 4 days after | 3.08% |
| On release day | 0.661% |
| Change in period | 4.46% |
Lloyds Banking Group Earnings Call Transcript Summary of Q3 2025
Lloyds reported a robust Q3 performance and reiterated confidence in its 2026 targets despite taking an £800m top-up to motor commission remediation (total provision now £1.95bn). Key strategic moves: completed full acquisition of Schroders Personal Wealth (c.£17bn AUA, 300 advisers, 60k clients) to accelerate its integrated wealth proposition, and advanced work on tokenized digital-assets (including GB tokenized deposits) with pilots due in H1 next year. Financial highlights: year-to-date statutory profit after tax £3.3bn and RoTE 11.9% (14.6% excluding motor); net income up 6% y/y to £13.6bn YTD; NII momentum with Q3 NIM at 306bps and upgraded 2025 NII guidance to ~£13.6bn; operating costs disciplined (YTD £7.2bn, +3%); strong asset quality (YTD impairment charge £618m; expecting full-year AQR ~20bps); tangible net assets per share improved and capital generation strong (110bps YTD, 141bps ex-motor), closing CET1 ~13.5%. The Group will absorb the motor provision while continuing distributions policy (annual buyback remains under Board consideration) and expects to pay down CET1 toward ~13% by end-2026. Management expects continued margin expansion into Q4 and into 2026 driven by structural hedge contribution, AIA growth, and diversified other income from wealth and strategic initiatives.
