LYG Earnings Prediction
The chart below shows how LYG performed 10 days before and after its earnings report, based on data from the past quarters. Typically, LYG sees a +0.68% change in stock price 10 days leading up to the earnings, and a -2.73% change 10 days following the report. On the earnings day itself, the stock moves by -0.73%. This data can give you a slight idea of what to expect for the next quarter's release.
LYG Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
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Gross Margin
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Operating Margin
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Net Margin
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EPS
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No Data Available
LYG Earnings Analysis
Lloyds Banking Group PLC Corporation (LYG.N) Earnings Conference Call
Positive
Net Interest Income Growth: Lloyds Banking Group reported a strong increase in net interest income, which rose by 10% year-over-year, indicating effective management of interest rates and lending activities.
Cost-to-Income Ratio Improvement: The bank's cost-to-income ratio improved to 50%, showcasing enhanced operational efficiency and cost management strategies.
Non-Performing Loans Reduction: Lloyds achieved a significant reduction in non-performing loans, decreasing by 15% compared to the previous quarter, reflecting better credit quality and risk management.
Strong Capital Position: The bank's capital position remains robust, with a CET1 ratio of 14.5%, providing a strong buffer for future growth and stability.
Customer Deposit Growth: Customer deposits increased by 5% year-over-year, demonstrating continued trust and confidence from clients in the bank's services.
Negative
Earnings Miss Reported: Lloyds Banking Group plc misses on earnings expectations with reported EPS of $0.05, falling short of the expected $0.08.
Profitability Challenges: The company faced challenges in maintaining profitability, as indicated by the lower-than-expected earnings per share.
Future Growth Concerns: Analysts expressed concerns over the bank's ability to meet future growth targets given the current economic environment.
Loan Demand Decline: There was a noted decline in loan demand, which could impact future revenue streams.
Cost-to-Income Ratio Decline: The bank's cost-to-income ratio worsened, indicating inefficiencies in operations that could affect profitability.
LYG FAQs
How does LYG typically perform around its earnings report dates?
Is Lloyds Banking Group PLC (LYG) Q4 2024 Earnings Call Summary positive or negative?
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LYG Earning Call Sentiment
Lloyds Banking Group plc (NYSE:LYG) Q4 2024 Earnings Call Transcript
LYG.N
-3.01%Positive
The earnings call summary reveals a miss in EPS expectations and ongoing competitive pressures, regulatory issues, and economic uncertainties. Despite some positive strategic initiatives and guidance, the Q&A section highlights management's vague responses on key issues, such as motor finance provisions, which can undermine investor confidence. Additionally, the lack of shareholder return discussion and weak EPS guidance further contribute to a negative outlook. Overall, these factors suggest a likely negative stock price reaction in the short term.
