Lloyds Banking Group vs Truist

This page compares Lloyds Banking Group and Truist, examining business models, financial performance, and market context. It presents an accessible, neutral overview of how these institutions operate, the scale of their activities, and the environments they navigate. Educational content, not financial advice.

This page compares Lloyds Banking Group and Truist, examining business models, financial performance, and market context. It presents an accessible, neutral overview of how these institutions operate,...

Comparison Snapshot

Key Financial Metrics

LYG

Metric

TFC

$80.95B

Market Cap

$62.86B

2.35%

Potential Profit

7.91%

Hold

Analyst Rating

Buy

Why It's Moving

Lloyds Shares Smash Through £1 as Barclays Fuels Bullish Momentum for 2026

Barclays raised its 12-month target to 120p from 100p, forecasting 70% EPS growth by 2028—double the sector average—driven by strong fundamentals.
Shares trade at a compelling forward P/E below 7x for 2028, undercutting European banking peers at over 9x, signaling undervaluation.
On January 19, Lloyds detailed 300 million unallotted shares from employee plans after UK rules ended block listings, streamlining future allotments.

Sentiment:

🐃Bullish

Truist Financial gears up for pivotal Q4 2025 earnings release tomorrow, with analysts eyeing beats on key metrics.

Analysts project $1.09 per share earnings and $5.32B revenue, building on prior quarters where Truist topped revenue estimates by delivering $5.24B versus $5.20B expected, boosting confidence in operational strength.
Recent $10 billion stock repurchase authorization underscores robust capital return strategy, enabling buybacks of up to 15.7% of shares to enhance shareholder value.
Truist's forward guidance points to 4%-5% revenue growth for full-year 2026, implying controlled expense expansion and optimism for sustained profitability in a competitive landscape.

Sentiment:

🐃Bullish

Lloyds Shares Smash Through £1 as Barclays Fuels Bullish Momentum for 2026

Barclays raised its 12-month target to 120p from 100p, forecasting 70% EPS growth by 2028—double the sector average—driven by strong fundamentals.
Shares trade at a compelling forward P/E below 7x for 2028, undercutting European banking peers at over 9x, signaling undervaluation.
On January 19, Lloyds detailed 300 million unallotted shares from employee plans after UK rules ended block listings, streamlining future allotments.

Sentiment:

🐃Bullish

Truist Financial gears up for pivotal Q4 2025 earnings release tomorrow, with analysts eyeing beats on key metrics.

Analysts project $1.09 per share earnings and $5.32B revenue, building on prior quarters where Truist topped revenue estimates by delivering $5.24B versus $5.20B expected, boosting confidence in operational strength.
Recent $10 billion stock repurchase authorization underscores robust capital return strategy, enabling buybacks of up to 15.7% of shares to enhance shareholder value.
Truist's forward guidance points to 4%-5% revenue growth for full-year 2026, implying controlled expense expansion and optimism for sustained profitability in a competitive landscape.

Sentiment:

🐃Bullish

Investment Analysis

Lloyds Banking Group

LYG

Pros

Lloyds has improved its underlying profitability guidance for 2025, driven by lower expected loan losses and higher net interest income.
The bank benefits from a strong UK deposit base and a structural hedge that supports net interest margins amid elevated swap rates.
Analyst sentiment has turned cautiously optimistic, with multiple upgrades and insider buying reflecting renewed confidence in the stock.

Considerations

A significant provision related to the UK motor finance probe has reduced 2025 return expectations and added regulatory uncertainty.
The bank's outlook is sensitive to UK interest rate cuts, with forecasts for two cuts in early 2026 potentially pressuring margins.
Recent share price strength has led to a fair valuation assessment, limiting near-term upside potential according to some analysts.

Truist

TFC

Pros

Truist maintains a diversified business model with a strong presence in both commercial and retail banking across the US Southeast.
The company has demonstrated robust capital generation and a disciplined approach to cost management in recent quarters.
Truist benefits from a relatively stable loan book and a focus on digital transformation to improve operational efficiency.

Considerations

The bank faces ongoing integration challenges following its merger, which have weighed on profitability and execution speed.
Truist's exposure to regional US economic conditions makes it vulnerable to localised downturns and commercial real estate risks.
Competition from larger national banks and fintechs continues to pressure margins and market share in key segments.

About The Companies

Lloyds Banking Group (LYG)

Lloyds Banking Group plc (ticker LYG) is one of the United Kingdom’s largest retail and commercial banks, with a market capitalisation around $66 billion. Its core franchises include current accounts, mortgages, SME lending and insurance sold through its UK branch network and digital channels. Lloyds’ earnings are sensitive to UK interest rates and the health of the domestic economy: higher rates can lift net interest margins, while a downturn could increase loan impairments. The group has invested in modernising digital platforms and cost efficiency programmes to protect margins, and it must meet UK regulatory capital and conduct standards. Investors should weigh steady retail cash flows and scale against cyclical credit risk, regulatory scrutiny and competitive pressures. Past dividends have been an important part of shareholder returns, but payouts depend on profits and regulator guidance. This is general educational information, not personalised investment advice; values can fall as well as rise.

Truist (TFC)

Truist Financial Corporation (TFC) is a large US regional bank formed from the 2019 merger of BB&T and SunTrust. With a market capitalisation around $56 billion, Truist provides retail and commercial banking, mortgage lending, wealth management, insurance and payment services, mainly across the US Southeast and mid‑Atlantic. Investors should know the bank’s results hinge on net interest margin, loan growth, credit quality and expense control; interest-rate moves and economic cycles materially influence performance. Management has focused on technology investment and efficiency improvements, while regulatory capital ratios and loan-loss provisioning remain central to risk oversight. Truist has a history of paying dividends, but distributions can change with earnings and regulatory constraints. This summary is educational only — not personalised advice — and does not promise returns. As with any bank stock, values can rise or fall; prospective investors should review financials, capital metrics and risk disclosures to judge suitability for their objectives and tolerance.

Lloyds Banking Group (LYG) Next Earnings Date

Lloyds Banking Group (LYG) is estimated to report its next earnings on February 19, 2026. This earnings release will cover the fourth quarter of fiscal year 2025. Multiple financial data providers consistently project this date based on the company's historical earnings release patterns. Investors should monitor for any official announcement from Lloyds that may confirm or adjust this estimated date.

Truist (TFC) Next Earnings Date

Truist Financial Corporation (TFC) is scheduled to report its fourth quarter 2025 earnings on Wednesday, January 21, 2026, before market open, followed by a conference call at 8 a.m. ET. This date, confirmed directly by the company, covers the quarter ending December 31, 2025. Investors should monitor the investor relations site for any updates closer to the event.

Lloyds Banking Group (LYG) Next Earnings Date

Lloyds Banking Group (LYG) is estimated to report its next earnings on February 19, 2026. This earnings release will cover the fourth quarter of fiscal year 2025. Multiple financial data providers consistently project this date based on the company's historical earnings release patterns. Investors should monitor for any official announcement from Lloyds that may confirm or adjust this estimated date.

Truist (TFC) Next Earnings Date

Truist Financial Corporation (TFC) is scheduled to report its fourth quarter 2025 earnings on Wednesday, January 21, 2026, before market open, followed by a conference call at 8 a.m. ET. This date, confirmed directly by the company, covers the quarter ending December 31, 2025. Investors should monitor the investor relations site for any updates closer to the event.

Which Baskets Do They Appear In?

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Published: August 16, 2025

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UK Banking Consolidation

Santander's £2.65 billion acquisition of TSB is reshaping the UK banking sector. This collection features companies positioned to benefit from this major consolidation, including direct competitors, potential M&A targets, and the investment banks facilitating these industry-changing deals.

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Which Baskets Do They Appear In?

Defensive Banking Amid Inflation Concerns

A sharp drop in U.S. consumer sentiment, fueled by rising inflation and trade policy concerns, signals a potential slowdown in consumer spending. This creates an investment opportunity in defensive sectors like banking, which may prove more resilient than consumer-focused industries during periods of economic uncertainty.

Published: August 16, 2025

Explore Basket

UK Banking Consolidation

Santander's £2.65 billion acquisition of TSB is reshaping the UK banking sector. This collection features companies positioned to benefit from this major consolidation, including direct competitors, potential M&A targets, and the investment banks facilitating these industry-changing deals.

Published: July 2, 2025

Explore Basket

Banks

These carefully selected banking stocks represent the financial institutions that keep the global economy running. Our professional analysts have handpicked these companies for their role in the digital transformation of financial services and their potential for steady returns.

Published: May 28, 2025

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Comparison Snapshot

Why It's Moving

Lloyds Shares Smash Through £1 as Barclays Fuels Bullish Momentum for 2026

Truist Financial gears up for pivotal Q4 2025 earnings release tomorrow, with analysts eyeing beats on key metrics.

Lloyds Shares Smash Through £1 as Barclays Fuels Bullish Momentum for 2026

Truist Financial gears up for pivotal Q4 2025 earnings release tomorrow, with analysts eyeing beats on key metrics.