Lloyds Banking Group Plc American Depositary Shares (LYG) Earnings

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Dec 2026upcoming

Next quarter

Expected to report Jan 28, 2027 — estimated from last year’s reporting date.

Consensus is $0.14 EPS for Dec 2026 across 2 estimates, ranging $0.13 to $0.14.

LYG Sep 2026

Reported Oct 29, 2026 · before the open

: 7.14%

: $0.14
: $0.15
: —
: —

Highlights

EPS: Reported EPS of 0.15 exceeded consensus of 0.14 by 7.14%; the supplied material gives no year-ago or prior-quarter EPS comparison.
Equity: Total equity was £45.971 billion at 30 September 2026, including £40.193 billion of ordinary shareholders’ equity and £5.551 billion of other equity instruments.
Indebtedness: Total indebtedness was £104.686 billion, comprising £96.282 billion of debt securities and £8.404 billion of subordinated liabilities.
Debt securities: £92.477 billion of securities were issued at amortised cost and £3.805 billion were designated at fair value through profit or loss.
Secured funding: Most indebtedness was unsecured; secured amounts included £21.9 billion of securitisation notes and covered bonds and £1.4 billion of asset-backed conduit debt securities.

Analysis

Lloyds reported EPS of 0.15 against consensus of 0.14, a 7.14% beat. The supplied material does not provide prior-year or prior-quarter EPS, revenue, income, impairment charges or other operating measures, so the earnings result cannot be assessed against those periods from this information alone.

The release excerpt is principally a capitalisation snapshot at 30 September 2026. Total equity stood at £45.971 billion, while total indebtedness was £104.686 billion, leaving the reported total of capitalisation and indebtedness at £150.657 billion. Debt securities accounted for £96.282 billion of indebtedness, mostly issued at amortised cost. The group said indebtedness was unsecured except for specified securitisation notes, covered bonds and asset-backed conduit debt securities. It also reported no issuances or redemptions of subordinated liabilities, debt securities or other equity instruments since 30 September. These figures describe the balance-sheet funding structure; the excerpt does not provide comparative balances or enough operating detail to establish what drove the quarterly EPS beat.

EPS result

Reported EPS was 0.15, versus analyst consensus of 0.14, a 7.14% positive surprise. The supplied release excerpt contains no EPS comparison with the year-ago or immediately preceding quarter, and does not include the operating results needed to explain the beat.

Equity capital

Total equity: £45.971 billion at 30 September 2026.
Ordinary shareholders’ equity: £40.193 billion; other equity instruments were £5.551 billion and non-controlling interests were £227 million.

Funding and indebtedness

Total indebtedness: £104.686 billion, including £96.282 billion of debt securities and £8.404 billion of subordinated liabilities.
Debt securities: £92.477 billion were issued at amortised cost and £3.805 billion were designated at fair value through profit or loss.
Security and subsequent activity: Indebtedness was unsecured except for £21.9 billion of securitisation notes and covered bonds and £1.4 billion of asset-backed conduit debt securities. The group reported no issuances or redemptions of subordinated liabilities, debt securities or other equity instruments since 30 September 2026.

Lloyds Banking Group Plc American Depositary Shares