BCS vs LYG
Barclays PLC and Lloyds Banking Group PLC, side by side — 8 fiscal years reported in GBP, drawn from SEC filings.
Most recent reported year
| Metric | BCS | LYG |
|---|---|---|
| Revenue | £11.1B | £19.4B |
| Net income | £7.2B | £4.7B |
| Gross margin | · | · |
| Net margin | 64.9% | 24.5% |
| Return on equity | 9.6% | 10.0% |
| Diluted EPS | £0.42 | £0.07 |
| Dividend / share | · | £0.03 |
| Payout ratio | · | 42.9% |
| Free cash flow | · | £630.0M |
| Equity | £77.8B | £47.7B |
| Net debt / equity | · | · |
| Current ratio | · | · |
| Revenue CAGR 5y | 5.4% | −7.8% |
| Profit CAGR 5y | 24.7% | 28.7% |
LYG bills 1.7× the revenue of BCS, and BCS keeps more of each dollar of revenue as profit (64.9% against 24.5%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner. "·" marks a figure not available in our data.
8 years side by side
| Fiscal year | BCS | LYG |
|---|---|---|
| FY2025 | £11.1B | £19.4B |
| FY2024 | £10.7B | £18.0B |
| FY2023 | £10.0B | £18.6B |
| FY2022 | £9.5B | £-5.3B |
| FY2021 | £9.8B | £39.0B |
| FY2020 | £8.5B | £29.2B |
| FY2019 | £9.0B | £42.4B |
| FY2018 | £8.8B | £22.1B |
Bottom line
| Fiscal year | BCS | LYG |
|---|---|---|
| FY2025 | £7.2B | £4.7B |
| FY2024 | £6.3B | £4.4B |
| FY2023 | £5.3B | £5.5B |
| FY2022 | £5.9B | £3.8B |
| FY2021 | £7.0B | £5.8B |
| FY2020 | £2.4B | £1.3B |
| FY2019 | £3.3B | £2.9B |
| FY2018 | £2.3B | £4.4B |
8 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −£8,312,000,000 | LYG |
| FY2024 | −£7,293,000,000 | LYG |
| FY2023 | −£8,647,000,000 | LYG |
| FY2022 | +£14,840,000,000 | BCS |
| FY2021 | −£29,191,000,000 | LYG |
| FY2020 | −£20,645,000,000 | LYG |
| FY2019 | −£33,350,000,000 | LYG |
| FY2018 | −£13,316,000,000 | LYG |
The higher-revenue side has changed between BCS and LYG over this period. The gap has narrowed since the earliest year compared.
8 of 11 comparable fiscal years — a year missing data on either side is not counted.
7 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +40.4 pp | BCS |
| FY2024 | +34.5 pp | BCS |
| FY2023 | +23.7 pp | BCS |
| FY2021 | +57.2 pp | BCS |
| FY2020 | +24.1 pp | BCS |
| FY2019 | +30.1 pp | BCS |
| FY2018 | +9.0 pp | BCS |
BCS has kept the higher net margin in every one of these 7 fiscal years.
7 of 11 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
BCS's net margin has been more volatile than LYG's over the 7 comparable fiscal years — 16.2 percentage points of standard deviation against 8.7.
7 of 11 comparable fiscal years — a year missing data on either side is not counted.
Year by year
BCS led in net margin in every one of the 7 comparable fiscal years — a structural lead, not a recent swing.
7 of 11 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
BCS's return on equity has been more volatile than LYG's over the 11 comparable fiscal years — 3.8 percentage points of standard deviation against 3.3.
11 of 11 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in return on equity changed hands between BCS and LYG over these 11 fiscal years — BCS led in 2 and LYG in 9.
11 of 11 comparable fiscal years — a year missing data on either side is not counted.