Morningstar
•
Oct 30, 2026
Lloyds Banking Group plc: Lloyds Earnings: Strong Diversified Income Growth on Stable Cost Base Drives Good H1
Symbols
LYGSector(s)
Financial Services
Rating
Current Price
5.00
Fair Value
Economic Moat
Stewardship
Summary
Lloyds is a retail and commercial bank headquartered in the United Kingdom. The bank operates via three business segments: retail, commercial banking, and insurance and wealth. In retail, Lloyds offers primarily mortgages (66% of its loan portfolio), credit cards, and current
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Analyst Profile
Niklas Kammer
Equity Analyst
Niklas Kammer is an equity analyst for Morningstar Holland BV, a wholly owned subsidiary of Morningstar, Inc. He covers European banks.Before joining Morningstar in 2016, Kammer interned on the equity research team at Rabobank Netherlands and in the corporate finance department at Kempen & Co.Kammer holds a master’s degree in finance and investments from the Rotterdam School of Management. He passed Level III in the Chartered Financial Analyst® program.
