Lloyds Banking Group plc (LYG) Earnings History
Elite Compounder31 years of earnings data (1995–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Lloyds Banking Group plc (LYG) Earnings Overview
As of June 21, 2026, Lloyds Banking Group plc (LYG) reported trailing twelve-month net income of $4.66B, reflecting +8.0% year-over-year growth. The company earned $0.31 per diluted share over the past four quarters, with a net profit margin of 7.2%.
Looking at the long-term picture, LYG's 5-year EPS compound annual growth rate (CAGR) stands at +41.3%, indicating exceptional earnings growth. The company achieved its highest annual net income of $5.78B in fiscal 2021.
Lloyds Banking Group plc maintains positive profitability with a gross margin of 29.9%, operating margin of 10.2%, and net margin of 7.2%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including BCS ($7.05B net income, 26.7% margin), NWG ($5.83B net income, 19.8% margin), HSBC ($22.29B net income, 15.1% margin), LYG has room to improve margins relative to the peer group. Compare LYG vs BCS →
LYG Earnings vs Peers
Earnings metrics vs comparable public companies
LYG Historical Earnings Data (1995–2025)
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $4.66B | +5.4% | $6.66B | $0.27 | 7.2% | 10.2% |
| 2024 | $4.42B | -19.0% | $5.97B | $0.25 | 11.8% | 15.9% |
| 2023 | $5.46B | +42.7% | $7.50B | $0.30 | 16.1% | 22.1% |
| 2022 | $3.83B | -33.8% | $4.78B | $0.20 | 18.4% | 23.0% |
| 2021 | $5.78B | +338.8% | $6.90B | $0.30 | 30.9% | 36.9% |
| 2020 | $1.32B | -54.9% | $1.23B | $0.05 | 7.1% | 6.6% |
| 2019 | $2.92B | -33.6% | $4.39B | $0.14 | 11.8% | 17.7% |
| 2018 | $4.41B | +12.8% | $5.96B | $0.22 | 20.4% | 27.6% |
| 2017 | $3.91B | +89.5% | $5.63B | $0.17 | 16.5% | 23.7% |
| 2016 | $2.06B | +139.9% | $3.89B | $0.12 | 8.5% | 15.9% |
| 2015 | $860M | -39.1% | $1.64B | $0.03 | 3.6% | 7.0% |
| 2014 | $1.41B | +268.5% | $1.76B | $0.06 | 5.7% | 7.1% |
| 2013 | -$838M | +43.0% | $415M | $-0.05 | -2.6% | 1.3% |
| 2012 | -$1.47B | +50.4% | -$606M | $-0.08 | -4.1% | -1.7% |
| 2011 | -$2.96B | -825.9% | -$3.75B | $-0.16 | -8.6% | -10.9% |
| 2010 | -$320M | -111.3% | $281M | $-0.02 | -0.8% | 0.7% |
| 2009 | $2.83B | +266.2% | $1.04B | $0.30 | 6.8% | 2.5% |
| 2008 | $772M | -76.5% | $760M | $0.56 | 4.0% | 3.9% |
| 2007 | $3.29B | +17.3% | $4.00B | $2.24 | 15.4% | 18.7% |
| 2006 | $2.80B | +12.4% | $4.25B | $1.92 | 14.1% | 21.4% |
| 2005 | $2.49B | +4.2% | $3.82B | $1.72 | 14.3% | 21.9% |
| 2004 | $2.39B | -26.4% | $3.48B | $1.64 | 15.7% | 22.8% |
| 2003 | $3.25B | +81.4% | $4.27B | $2.28 | 21.0% | 27.6% |
| 2002 | $1.79B | -20.0% | $2.56B | $0.11 | 11.8% | 16.8% |
| 2001 | $2.24B | +15.9% | $3.12B | $1.56 | 14.0% | 19.5% |
| 2000 | $1.93B | -23.4% | $2.62B | $0.16 | 11.1% | 15.1% |
| 1999 | $2.52B | +18.1% | $3.62B | $1.76 | 26.9% | 38.6% |
| 1998 | $2.13B | -8.7% | $3.02B | $0.13 | 21.2% | 29.9% |
| 1997 | $2.33B | +48.3% | $3.15B | $0.14 | - | - |
| 1996 | $1.57B | +39.4% | $2.36B | $0.09 | - | - |
| 1995 | $1.13B | - | $1.77B | $0.07 | - | - |
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LYG — Frequently Asked Questions
Quick answers to the most common questions about buying LYG stock.
What is LYG earnings per share (EPS)?
LYG trailing twelve-month (TTM) diluted EPS is $0.31, reflecting +8.0% year-over-year growth. The 5-year EPS CAGR is +41.3%. Complete EPS history from 1995 to 2025 is available in the table on this page.
What is Lloyds Banking Group plc's net income?
Lloyds Banking Group plc (LYG) trailing twelve-month net income is $4.7B as of 2025. Earnings grew +8.0% year-over-year. Lloyds Banking Group plc has been profitable for 12 consecutive years.
Is LYG profitable?
Yes, LYG is profitable with a TTM net income of $4.7B and a net profit margin of +7.2%. Lloyds Banking Group plc has generated profits for 12 consecutive years.
What is LYG's earnings growth rate?
LYG compound annual EPS growth rates (CAGR): 1-Year: +8.0%, 3-Year: +10.5%, 5-Year: +41.3%, 10-Year: +23.8%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2025.
What are LYG's profit margins?
Lloyds Banking Group plc net profit margin is +7.2%, operating margin is +10.2%, and gross margin is +29.9%. Margins are within a typical range for the sector. Return on Equity is +9.9%.
Is LYG growing earnings?
LYG is growing earnings steadily. YoY EPS growth of +8.0% is consistent with the 5-year CAGR of +41.3%. TTM net income is $4.7B.
What was LYG's best earnings year?
Lloyds Banking Group plc's highest annual net income on record is $5.8B, achieved in fiscal year 2021. Earnings history on this page spans 1995 to 2025 and includes all annual and quarterly figures.
What were LYG's earnings last quarter?
LYG's most recent reported quarter was Q4 2025. Net income was $1.3B with diluted EPS of $0.09. For a full breakdown of all quarters, see the quarterly earnings table on this page.