LLOY FINANCIAL STATEMENTS

Lloyds Banking Group PLC — balance sheet, income statement and cash flow trends

LLOYLloyds Banking Group PLC

🇬🇧 UK · LSE · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue19.5 B £-48.5%

Gross Profit19.3 B £-49.0%

Operating Income7.2 B £+22.3%

EBITDA7.2 B £+22.3%

Net Income5.1 B £+16.2%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
LLOY	—	—	—	25.9%
THFF	—	—	—	25.1%
CAC	—	—	—	22.3%
GSBC	—	—	—	21.7%
EQBK	—	—	—	7.1%
SKBNK	—	—	—	14.2%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity48 B £5%
Current Liabilities503.4 B £52%
Long-term Liabilities416.5 B £43%

Key Figures

YoY change

Total Assets968.1 B £+6.4%

Total Liabilities919.9 B £+6.7%

Total Equity48 B £+0.8%

Cash & ST Investments62.1 B £-1.2%

Total Debt100.8 B £+30.4%

Net Debt38.6 B £+168.6%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
LLOY	0.12	209.8%	5.39	5.0%
THFF	0.36	85.2%	4.71	10.7%
CAC	0.16	84.9%	6.15	10.2%
GSBC	0.24	84.2%	5.03	11.1%
EQBK	0.26	59.3%	-13.51	10.7%
SKBNK	—	0.0%	-13.41	5.9%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow——

Capital Expenditures0 £—

Free Cash Flow——

Dividends Paid——

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
LLOY	—	—	0.0%	—
THFF	28.7%	28.3%	1.5%	114.1%
CAC	23.2%	21.6%	1.6%	104.0%
GSBC	26.7%	23.4%	3.3%	123.0%
EQBK	13.1%	8.6%	4.5%	184.3%
SKBNK	14.2%	31.2%	17.0%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
LLOY	—	—	—	25.9%
NWG	—	—	—	20.1%
Industry median	—	67.2%	20.4%	20.6%