LYG vs SNTUF
Lloyds Banking Group PLC and Santander UK PLC, side by side — 10 fiscal years reported in GBP, drawn from SEC filings.
Most recent reported year
| Metric | LYG | SNTUF |
|---|---|---|
| Revenue | £19.4B | £4.7B |
| Net income | £4.7B | £1.1B |
| Gross margin | · | · |
| Net margin | 24.5% | 23.0% |
| Return on equity | 10.0% | 7.5% |
| Diluted EPS | £0.07 | · |
| Dividend / share | £0.03 | £0.08 |
| Payout ratio | 42.9% | 2.4% |
| Free cash flow | £630.0M | · |
| Equity | £47.7B | · |
| Net debt / equity | · | · |
| Current ratio | · | · |
| Revenue CAGR 5y | −7.8% | 4.2% |
| Profit CAGR 5y | 28.7% | · |
LYG bills 4.1× the revenue of SNTUF, and keeps more of each dollar of revenue as profit (24.5% against 23.0%).
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.
10 years side by side
| Fiscal year | LYG | SNTUF |
|---|---|---|
| FY2025 | £19.4B | £4.7B |
| FY2024 | £18.0B | £4.7B |
| FY2023 | £18.6B | £5.1B |
| FY2022 | £-5.3B | £5.0B |
| FY2021 | £39.0B | £4.5B |
| FY2020 | £29.2B | £3.9B |
| FY2019 | £42.4B | £4.0B |
| FY2018 | £22.1B | £4.5B |
| FY2017 | £34.2B | £4.9B |
| FY2016 | £39.6B | £4.8B |
Bottom line
| Fiscal year | LYG | SNTUF |
|---|---|---|
| FY2025 | £4.7B | £1.1B |
| FY2024 | £4.4B | £971.0M |
| FY2023 | £5.5B | £1.5B |
| FY2022 | £3.8B | £1.4B |
| FY2021 | £5.8B | £1.4B |
| FY2020 | £1.3B | £452.0M |
| FY2019 | £2.9B | £714.0M |
| FY2018 | £4.4B | £1.1B |
| FY2017 | £3.9B | £1.3B |
| FY2016 | £2.1B | £1.3B |
11 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +£14,693,000,000 | LYG |
| FY2024 | +£13,346,000,000 | LYG |
| FY2023 | +£13,533,000,000 | LYG |
| FY2022 | −£10,302,000,000 | SNTUF |
| FY2021 | +£34,451,000,000 | LYG |
| FY2020 | +£25,315,000,000 | LYG |
| FY2019 | +£38,321,000,000 | LYG |
| FY2018 | +£17,557,000,000 | LYG |
| FY2017 | +£29,325,000,000 | LYG |
| FY2016 | +£34,816,000,000 | LYG |
| FY2015 | +£18,577,000,000 | LYG |
The higher-revenue side has changed between LYG and SNTUF over this period. The gap has narrowed since the earliest year compared.
11 of 11 comparable fiscal years — a year missing data on either side is not counted.
10 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +1.5 pp | LYG |
| FY2024 | +4.0 pp | LYG |
| FY2023 | −0.6 pp | SNTUF |
| FY2021 | −15.7 pp | SNTUF |
| FY2020 | −7.5 pp | SNTUF |
| FY2019 | −11.1 pp | SNTUF |
| FY2018 | −4.9 pp | SNTUF |
| FY2017 | −14.8 pp | SNTUF |
| FY2016 | −22.0 pp | SNTUF |
| FY2015 | −17.0 pp | SNTUF |
The higher net margin has changed hands between LYG and SNTUF over this period.
10 of 11 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
LYG's net margin has been more volatile than SNTUF's over the 10 comparable fiscal years — 9.0 percentage points of standard deviation against 5.4.
10 of 11 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between LYG and SNTUF over these 10 fiscal years — LYG led in 2 and SNTUF in 8.
10 of 11 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
LYG's return on equity has been more volatile than SNTUF's over the 11 comparable fiscal years — 3.3 percentage points of standard deviation against 2.1.
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 LYG and SNTUF over these 11 fiscal years — LYG led in 6 and SNTUF in 5.
11 of 11 comparable fiscal years — a year missing data on either side is not counted.