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Lloyds Banking Group plc
LLOY.LFinancial ServicesLSEGB
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | £40.96B | 10.2% | £4.18B | -£655.31M | N/A |
| 2027 | £42.76B | 10.2% | £4.36B | -£684.15M | -£621.95M |
| 2028 | £44.64B | 10.2% | £4.55B | -£714.25M | -£590.29M |
| 2029 | £46.60B | 10.2% | £4.75B | -£745.68M | -£560.24M |
| 2030 | £48.66B | 10.2% | £4.96B | -£778.48M | -£531.72M |
| 2031 | £50.80B | 10.2% | £5.18B | -£812.74M | -£504.65M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | £0.069 | 2025-12-31 |
| EPS growth | +11.6% | Forecast years: 5 |
| Future EPS | £0.119 | EPS × (1 + G)^5 |
| Base P/E | 14 | P/E |
| Future price | £1.672 | Future EPS × P/E |
| Fair value today | £1.038 | PV @ 10.0% |
| 30% safety price | £0.727 | Margin of safety |
| 50% safety price | £0.519 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -£152.177 | -£154.151 | -£156.843 |
| 10.0% | -£150.174 | -£151.629 | -£153.533 |
| 11.0% | -£148.594 | -£149.702 | -£151.106 |