Lloyds Banking Group (ADR) (LYG)
Serves UK households and businesses across banking, insurance, pensions and investments.
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Serves UK households and businesses through retail and commercial banking, alongside insurance, pensions and investments. Retail is the largest operating division, while the group’s earnings and credit performance remain tied to UK household, housing, business-credit, interest-rate and regulatory conditions.
Provides current and savings accounts, mortgages, cards, personal loans, motor finance and private banking through Retail, its largest customer-facing division. Commercial Banking adds business lending, transaction banking, working capital, merchant services and cash management.
Extends the franchise through Insurance, Pensions and Investments, covering protection, general insurance, workplace and individual pensions, retirement products, investments and share dealing. Shared digital, data and operating capabilities connect Lloyds Bank, Halifax, Bank of Scotland and Scottish Widows, although Halifax is transitioning to Lloyds.
Operates primarily in the UK, concentrating customer relationships and credit exposure in one national market. The business therefore depends on UK household finances, housing, business credit, interest rates and regulation; historical motor-finance commission arrangements remain under an unresolved redress process.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Apr 30, 2026 | UBS | Upgrade | ||
| Apr 9, 2026 | Citigroup | Upgrade | ||
| Mar 11, 2025 | Keefe, Bruyette & Woods | Downgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $82.03B · Total debt $136.34B · Total assets $1.33T · Shareholders' equity $62.68B
- Revenue
- $18.46B
- Operating income
- $3.02B
- Net income
- $2.05B
Reported in GBP, converted at the latest exchange rate
HistoryDividendAnnual yield
| Institutions | ≈ 4.01% | 582.07M ADS | |
|---|---|---|---|
| 629 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Other | ≈ 95.99% | 13.93B ADS | |
| remainder | |||
14.51B ADS as of Aug 21, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Some positions are filed in underlying shares, not receipts; the ratio is unknown, so no percentage.
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
FMR LLCInstitution | 0.35% | 51.01M ADS | as of Jun 30, 2026 |
Mondrian Investment Partners LtdInstitution | 0.34% | 49.95M ADS | as of Jun 30, 2026 |
Morgan StanleyInstitution | 0.29% | 42.67M ADS | as of Jun 30, 2026 |
JPMorgan Chase & CoInstitution | 0.22% | 31.76M ADS | as of Jun 30, 2026 |
Goldman Sachs Group IncInstitution | 0.18% | 26.50M ADS | as of Jun 30, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Lloyds Banking Group (ADR) | $5.78 | −1.95% | $85.49B | 13.8 | 8.5 | 1.0 | −64.8% |
| NatWest Group (ADR) | $18.53 | −2.22% | $37.72B | 5.5 | 14.0 | 0.9 | +51.9% |
| Barclays (ADR) | $24.86 | −1.74% | $85.30B | 9.8 | 5.7 | 1.6 | −55.9% |
| Banco Santander (ADR) | $14.45 | −1.16% | $214.60B | 12.4 | 10.5 | 2.1 | +6.2% |
| HSBC (ADR) | $101.30 | −1.85% | $354.70B | 14.9 | 11.6 | 2.6 | +32.2% |
| Median | 11.1 | 11.1 | 1.8 | +19.2% |