33/100B5.19000
USD
0.02
(0.39%)
Market Open
Last updated: · Delayed 15 min
Fair value3.92+32%2Price 5.1910
Q4 FY2026 · Earnings report
EPS estimate 0.13Revenue estimate 7.21B
Q4 FY2026 · Earnings report
EPS estimate 0.13Revenue estimate 7.21B
Lloyds Banking Group total debt 1995–2026What is the debt to equity ratio? Debt to equity is a company's total debt divided by its shareholders' equity: how much it has borrowed for each dollar its owners have in the business.
Lloyds Banking Group's total debt was 100.88B GBP on 30 September 2026, up 14.2% on a year before. At the end of fiscal year 2025 it was 95.15B GBP.
Last updated 8 Nov 2026 · Next report 4 Feb 2027
Total debt
Growth
| Fiscal year | Period ending | Total debt | Growth | Cash and short-term investments | Net cash | Debt to equity |
|---|---|---|---|---|---|---|
| Latest quarter | 30 Sept 2026 | 100.88B | +14.24% | 55.92B | -44.96B | 2.21 |
| FY2025 | 31 Dec 2025 | 95.15B | +7.48% | 60.60B | -34.55B | 2.00 |
| FY2024 | 31 Dec 2024 | 88.52B | -5.49% | 67.07B | -21.45B | 1.94 |
| FY2023 | 31 Dec 2023 | 93.67B | +2.00% | 78.11B | -15.56B | 1.99 |
| FY2022 | 31 Dec 2022 | 91.84B | -0.01% | 92.05B | 211.00M | 2.10 |
| FY2021 | 31 Dec 2021 | 91.84B | -15.55% | 83.41B | -8.44B | 1.74 |
| FY2020 | 31 Dec 2020 | 108.76B | -4.27% | 73.56B | -35.20B | 2.21 |
| FY2019 | 31 Dec 2019 | 113.62B | +7.22% | 55.44B | -58.17B | 2.39 |
| FY2018 | 31 Dec 2018 | 105.97B | +21.55% | 55.31B | -50.66B | 2.12 |
| FY2017 | 31 Dec 2017 | 87.18B | -5.80% | 59.28B | -27.91B | 1.78 |
| FY2016 | 31 Dec 2016 | 92.55B | -9.04% | 48.16B | -44.39B | 1.91 |
| FY2015 | 31 Dec 2015 | 101.75B | +3.31% | 59.11B | -42.64B | 2.18 |
| FY2014 | 31 Dec 2014 | 98.49B | -14.66% | 51.67B | -46.83B | 2.02 |
| FY2013 | 31 Dec 2013 | 115.41B | -21.36% | 50.92B | -64.49B | 2.96 |
| FY2012 | 31 Dec 2012 | 146.76B | -33.65% | 81.55B | -65.21B | 3.50 |
| FY2011 | 31 Dec 2011 | 221.20B | -15.08% | 62.13B | -159.07B | 4.86 |
| FY2010 | 31 Dec 2010 | 260.47B | -0.64% | 39.48B | -220.99B | 5.96 |
| FY2009 | 31 Dec 2009 | 262.15B | +199.70% | 40.57B | -221.58B | 6.06 |
| FY2008 | 31 Dec 2008 | 87.47B | +44.58% | 5.95B | -81.52B | 9.31 |
| FY2007 | 31 Dec 2007 | 60.50B | -4.32% | 5.57B | -54.93B | 4.98 |
| FY2006 | 31 Dec 2006 | 63.23B | +28.52% | 3.33B | -59.90B | 5.67 |
| FY2005 | 31 Dec 2005 | 49.20B | +71.08% | 2.47B | -46.73B | 4.83 |
| FY2004 | 31 Dec 2004 | 28.76B | -20.94% | 1.08B | -27.68B | 2.60 |
| FY2003 | 31 Dec 2003 | 36.38B | +257.57% | 2.64B | -33.74B | 3.78 |
| FY2002 | 31 Dec 2002 | 10.17B | +32.57% | 2.90B | -7.28B | 1.28 |
| FY2001 | 31 Dec 2001 | 7.67B | +2.07% | 2.91B | -4.76B | 0.71 |
| FY2000 | 31 Dec 2000 | 7.52B | -38.68% | 17.30B | 9.78B | 0.55 |
| FY1999 | 31 Dec 1999 | 12.26B | +3.43% | 1.28B | -10.98B | 1.41 |
| FY1998 | 31 Dec 1998 | 11.85B | +181.61% | 1.07B | -10.78B | 1.59 |
| FY1997 | 31 Dec 1997 | 4.21B | +7.40% | 10.29B | 6.08B | 0.67 |
| FY1996 | 31 Dec 1996 | 3.92B | +2.08% | 9.12B | 5.21B | 0.77 |
| FY1995 | 31 Dec 1995 | 3.84B | — | 7.77B | 3.93B | 0.91 |
| Quarter | Period ending | Total debt | Growth on a year before | Cash and short-term investments | Net cash | Debt to equity |
|---|---|---|---|---|---|---|
| Q3 FY2026 | 30 Sept 2026 | 100.88B | +14.24% | 55.92B | -44.96B | 2.21 |
| Q2 FY2026 | 30 Jun 2026 | 102.27B | +19.69% | 61.53B | -40.74B | 2.18 |
| Q1 FY2026 | 31 Mar 2026 | 100.75B | +30.39% | 62.13B | -38.62B | 2.10 |
| Q4 FY2025 | 31 Dec 2025 | 95.15B | +7.48% | 60.60B | -34.55B | 2.00 |
| Q3 FY2025 | 30 Sept 2025 | 88.31B | +8.13% | 61.85B | -26.46B | 1.94 |
| Q2 FY2025 | 30 Jun 2025 | 85.44B | -7.02% | 64.23B | -21.22B | 1.83 |
| Q1 FY2025 | 31 Mar 2025 | 77.27B | -11.33% | 62.89B | -14.38B | 1.62 |
| Q4 FY2024 | 31 Dec 2024 | 88.52B | -5.49% | 62.71B | -25.82B | 1.94 |
| Q3 FY2024 | 30 Sept 2024 | 81.67B | -11.84% | 59.06B | -22.61B | 1.77 |
| Q2 FY2024 | 30 Jun 2024 | 91.89B | -3.69% | 66.81B | -25.09B | 2.05 |
| Q1 FY2024 | 31 Mar 2024 | 87.15B | -0.49% | 70.99B | -16.16B | 1.83 |
| Q4 FY2023 | 31 Dec 2023 | 93.67B | +2.00% | 78.11B | -15.56B | 1.99 |
| Q3 FY2023 | 30 Sept 2023 | 92.63B | +12.02% | 87.50B | -5.13B | 2.07 |
| Q2 FY2023 | 30 Jun 2023 | 95.42B | +10.53% | 95.52B | 105.00M | 2.16 |
| Q1 FY2023 | 31 Mar 2023 | 87.58B | -1.39% | 98.93B | 11.35B | 1.84 |
| Q4 FY2022 | 31 Dec 2022 | 91.84B | -0.01% | 92.05B | 211.00M | 2.10 |
| Q3 FY2022 | 30 Sept 2022 | 82.69B | -23.61% | 84.84B | 2.15B | 1.79 |
| Q2 FY2022 | 30 Jun 2022 | 86.33B | -10.23% | 86.92B | 596.00M | 1.73 |
| Q1 FY2022 | 31 Mar 2022 | 88.81B | -8.68% | 101.07B | 12.26B | 1.72 |
| Q4 FY2021 | 31 Dec 2021 | 91.84B | -15.55% | 76.57B | -15.28B | 1.74 |
| Q3 FY2021 | 30 Sept 2021 | 108.24B | — | -68.87B | -177.12B | 2.06 |
| Q2 FY2021 | 30 Jun 2021 | 96.16B | -19.13% | 79.13B | -17.03B | 1.86 |
| Q1 FY2021 | 31 Mar 2021 | 97.25B | -17.29% | 83.53B | -13.72B | 1.97 |
| Q4 FY2020 | 31 Dec 2020 | 108.76B | -4.27% | 73.56B | -35.20B | 2.21 |
| Q3 FY2020 | 30 Sept 2020 | 0.00 | -100.00% | 0.00 | 0.00 | 0.00 |
| Q2 FY2020 | 30 Jun 2020 | 118.90B | +5.76% | 78.47B | -40.43B | 2.44 |
| Q1 FY2020 | 31 Mar 2020 | 117.58B | +6.87% | 78.90B | -38.68B | 2.24 |
| Q4 FY2019 | 31 Dec 2019 | 113.62B | +7.22% | 55.44B | -58.17B | 2.39 |
| Q3 FY2019 | 30 Sept 2019 | 121.95B | — | 52.79B | -69.16B | 2.54 |
| Q2 FY2019 | 30 Jun 2019 | 112.43B | +7.43% | 57.98B | -54.45B | 2.30 |
| Q1 FY2019 | 31 Mar 2019 | 110.03B | +13.87% | 59.68B | -50.35B | 2.19 |
| Q4 FY2018 | 31 Dec 2018 | 105.97B | +21.55% | 55.31B | -50.66B | 2.12 |
| Q3 FY2018 | 30 Sept 2018 | 0.00 | -100.00% | 0.00 | 0.00 | 0.00 |
| Q2 FY2018 | 30 Jun 2018 | 104.66B | +14.44% | 68.65B | -36.01B | 2.17 |
| Q1 FY2018 | 31 Mar 2018 | 96.62B | +4.08% | 59.98B | -36.65B | 2.00 |
| Q4 FY2017 | 31 Dec 2017 | 87.18B | -5.80% | 59.28B | -27.91B | 1.78 |
| Q3 FY2017 | 30 Sept 2017 | 88.16B | -19.22% | 49.77B | -38.39B | 1.81 |
| Q2 FY2017 | 30 Jun 2017 | 91.45B | -18.92% | 51.35B | -40.10B | 1.91 |
| Q1 FY2017 | 31 Mar 2017 | 92.83B | -15.76% | 56.46B | -36.37B | 1.87 |
| Q4 FY2016 | 31 Dec 2016 | 92.55B | -9.04% | 48.16B | -44.39B | 1.91 |
| Q3 FY2016 | 30 Sept 2016 | 109.14B | -0.45% | 70.09B | -39.05B | 2.25 |
| Q2 FY2016 | 30 Jun 2016 | 112.78B | +11.11% | 74.30B | -38.48B | 2.33 |
| Q1 FY2016 | 31 Mar 2016 | 110.20B | +7.01% | 60.71B | -49.49B | 2.27 |
| Q4 FY2015 | 31 Dec 2015 | 101.75B | +3.31% | 59.11B | -42.64B | 2.18 |
| Q3 FY2015 | 30 Sept 2015 | 109.63B | +4.84% | 61.28B | -48.35B | 2.26 |
| Q2 FY2015 | 30 Jun 2015 | 101.51B | +1.55% | 68.85B | -32.66B | 2.13 |
| Q1 FY2015 | 31 Mar 2015 | 102.98B | -9.29% | 56.75B | -46.24B | 2.09 |
| Q4 FY2014 | 31 Dec 2014 | 98.49B | -13.78% | 51.67B | -46.83B | 2.02 |
| Q3 FY2014 | 30 Sept 2014 | 104.57B | -22.24% | 46.99B | -57.57B | 2.25 |
| Q2 FY2014 | 30 Jun 2014 | 99.96B | -26.49% | 52.51B | -47.45B | 2.22 |
| Q1 FY2014 | 31 Mar 2014 | 113.54B | -21.93% | 51.95B | -61.59B | 2.80 |
| Q4 FY2013 | 31 Dec 2013 | 114.24B | -21.58% | 50.92B | -63.32B | 2.93 |
| Q3 FY2013 | 30 Sept 2013 | 134.47B | -18.40% | 57.18B | -77.29B | 3.29 |
| Q2 FY2013 | 30 Jun 2013 | 135.99B | -24.23% | 62.14B | -73.85B | 3.14 |
| Q1 FY2013 | 31 Mar 2013 | 145.42B | -28.10% | 67.13B | -78.29B | 3.34 |
| Q4 FY2012 | 31 Dec 2012 | 145.68B | -31.94% | 81.55B | -64.13B | 3.31 |
| Q3 FY2012 | 30 Sept 2012 | 164.79B | +352.06% | 81.48B | -83.31B | 3.64 |
| Q2 FY2012 | 30 Jun 2012 | 179.48B | -31.25% | 89.04B | -90.43B | 3.91 |
| Q1 FY2012 | 31 Mar 2012 | 202.27B | +475.86% | 78.04B | -124.22B | 4.39 |
| Q4 FY2011 | 31 Dec 2011 | 214.04B | -17.49% | 62.13B | -151.91B | 4.66 |
| Q3 FY2011 | 30 Sept 2011 | 36.45B | — | 57.58B | 21.13B | 0.79 |
| Q2 FY2011 | 30 Jun 2011 | 261.06B | +1.55% | 56.63B | -204.42B | 5.81 |
| Q1 FY2011 | 31 Mar 2011 | 35.12B | — | 54.19B | 19.06B | 0.79 |
| Q4 FY2010 | 31 Dec 2010 | 259.40B | -1.49% | 39.48B | -219.91B | 5.93 |
| Q2 FY2010 | 30 Jun 2010 | 257.07B | -5.33% | 55.04B | -202.03B | 5.50 |
| Q4 FY2009 | 31 Dec 2009 | 263.33B | — | 40.57B | -222.76B | 6.08 |
| Q2 FY2009 | 30 Jun 2009 | 271.56B | +271.33% | 62.43B | -209.13B | 8.13 |
| Q2 FY2008 | 30 Jun 2008 | 73.13B | +19.51% | 5.50B | -67.63B | 6.77 |
| Q4 FY2007 | 31 Dec 2007 | 60.50B | -4.32% | 5.57B | -54.93B | 4.98 |
| Q2 FY2007 | 30 Jun 2007 | 61.19B | +19.06% | 2.98B | -58.21B | 5.38 |
| Q4 FY2006 | 31 Dec 2006 | 63.23B | +28.52% | 3.33B | -59.90B | 5.67 |
| Q2 FY2006 | 30 Jun 2006 | 51.40B | +7.35% | 3.11B | -48.29B | 5.06 |
| Q4 FY2005 | 31 Dec 2005 | 49.20B | +380.12% | 2.47B | -46.73B | 4.83 |
| Q2 FY2005 | 30 Jun 2005 | 47.88B | +389.39% | 2.66B | -45.22B | 5.10 |
| Q4 FY2004 | 31 Dec 2004 | 10.25B | -1.85% | 2.54B | -7.71B | 1.03 |
| Q2 FY2004 | 30 Jun 2004 | 9.78B | — | 2.77B | -7.01B | 0.94 |
| Q4 FY2003 | 31 Dec 2003 | 10.44B | +2.68% | 2.64B | -7.80B | 1.09 |
| Q2 FY2003 | 30 Jun 2003 | 0.00 | — | 0.00 | 0.00 | — |
| Q4 FY2002 | 31 Dec 2002 | 10.17B | +32.50% | 7.74B | -2.43B | 1.28 |
| Q2 FY2002 | 30 Jun 2002 | 0.00 | — | 0.00 | 0.00 | — |
| Q4 FY2001 | 31 Dec 2001 | 7.67B | +2.18% | 2.91B | -4.76B | 0.71 |
| Q2 FY2001 | 30 Jun 2001 | 0.00 | — | 0.00 | 0.00 | — |
| Q4 FY2000 | 31 Dec 2000 | 7.51B | — | 6.43B | -1.08B | 0.75 |
| Q2 FY2000 | 30 Jun 2000 | 0.00 | — | 0.00 | 0.00 | — |
Figures in GBP at the end of each period. Net cash is cash and short-term investments less total debt; book value per share is on the diluted share count. The latest column is the most recent quarter.
Total debt counts commercial paper, term debt and lease liabilities.
See also:Revenue,Net income,EPS,Shares outstanding,Operating income,Cash on hand,Free cash flow,Stock buybacks,Balance sheet
Common questions about Lloyds Banking Group's debt
Source: Financial Modeling Prep