LYG Stock — Lloyds Banking Group plc

Lloyds Banking Group plc (LYG)

Updated October 16, 2026.

LYG is a Stock. its distribution rate is 3.07%, its trailing-12-month yield is 3.98%. Dividend Vision Distribution Safety Score™ is 97/100 (Safe). Total return is -42.9% over the past 24.9 years, 980.1 points behind SPY at 937.2%.

Lloyds Banking Group plc is a United Kingdom-based banking and financial services company operating through retail banking, commercial banking, and insurance, pensions, and investment segments, serving both personal and business customers under brands including Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows. The company distributes dividends on a semi-annual basis at a modest current distribution rate. The stock appeals to income-focused investors seeking exposure to established financial services businesses.

LYG performance versus SPY

Price and return data through 2026-10-16.

Total return is -42.9% over the past 24.9 years, 980.1 points behind SPY at 937.2%. Over the past year its total return — price change plus distributions reinvested — is 26.5%. Its deepest 1-year drawdown was 22.7%.

LYG key facts

Distribution Safety Score™

97 · Safe

Safety-Adjusted Yield

2.98%

Asset type

Stock

Asset class

Equity

Inception date

11/27/2001

Distribution rate

3.07%

Distribution frequency

Semi-Annual

Trailing yield

3.98%

5-year average yield

4.18

Last close

$5.48 (as of 2026-10-16)

Market cap

$78,684,352,185

Average volume

20508400.0

Dividend

$0.084

Ex-dividend date

08/10/2026

Payment date

09/25/2026

Beta

0.935

Payout ratio

49.5%

P/E ratio

12.74

Forward P/E

9.1743

EPS

$0.43

How Dividend Vision calculates yield and returns

Distribution rate (3.07%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (3.98%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

LYG risks and drawbacks

LYG's current distribution rate is moderate, not a high-yield payout — the strategy is dividend quality more than maximum income. Payments are semi-annual, so cash flow is lumpy versus a monthly fund. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 22.7%.

Who may consider LYG — and who may not

LYG may suit someone looking for a high Distribution Safety Score, moderate current income with a quality tilt. It is a weaker fit for investors who need monthly cash flow (LYG pays semi-annual); investors hunting double-digit covered-call yields; investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

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Tagged: Financials, Dividend.

Frequently asked questions