Lloyds Banking Group (LYG) Total Return Calculator
$10,000 since Dec 2007, with and without reinvesting · data through Oct 2026
$10,000 invested in Lloyds Banking Group (LYG) ten years ago, at the end of Oct 2016, was worth $28,249 at the end of Oct 2026 with every dividend reinvested: 10.9% a year, against $41,633 in the S&P 500. Since Dec 2007, $10,000 became $4,219 reinvested (-4.5% a year), or $3,285 taking the dividends as cash, $1,924 of it paid out along the way.
LYG became
$4,219
S&P 500: $72,756
Return a year
-4.5%
S&P 500: 11.1%
Payouts reinvested
$2,774
bought more shares
Worst drop
-92.3%
S&P 500: -48.2%
$10,000, Dec 2007 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | LYG total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | −4.4% | $75 | +11.7% |
| 2025 | +104.3% | $166 | +17.7% |
| 2024 | +20.2% | $127 | +24.9% |
| 2023 | +14.5% | $96 | +26.2% |
| 2022 | −9.7% | $79 | −18.2% |
| 2021 | +34.6% | $63 | +28.7% |
| 2020 | −36.5% | $84 | +18.3% |
| 2019 | +36.9% | $109 | +31.2% |
| 2018 | −28.5% | $103 | −4.6% |
| 2017 | +26.8% | $102 | +21.7% |
| 2016 | −26.0% | $90 | +12.0% |
| 2015 | −4.4% | $51 | +1.2% |
| 2014 | −12.7% | $18 | +13.5% |
| 2013 | +66.1% | $15 | +32.3% |
| 2012 | +104.1% | $18 | +16.0% |
| 2011 | −61.7% | $20 | +1.9% |
| 2010 | +25.4% | $16 | +15.1% |
| 2009 | −27.4% | $752 | +26.4% |
| 2008 | −77.6% | $790 | −36.8% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: LYG total return
Data as of · Source: SmarterDividends data
- $10,000 invested in Lloyds Banking Group (LYG) at the end of Dec 2007, with dividends reinvested, was worth $4,219 at the end of Oct 2026: -4.5% a year, against $72,756 (11.1% a year) in the S&P 500.
- Over the 10 years to Oct 2026, LYG turned $10,000 into $28,249 with dividends reinvested, 10.9% a year.
- Over the 5 years to Oct 2026, LYG returned 18.0% a year with dividends reinvested (S&P 500: 12.0%).
- Taking LYG's dividends as cash instead of reinvesting them, the same $10,000 ended at $3,285, including $1,924 of cash received; reinvesting added $934.
- LYG's best calendar year in that time was 2025 (104.3%) and its worst 2008 (-77.6%), with dividends reinvested.
Cite this page
SmarterDividends, "Lloyds Banking Group (LYG) Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/LYG/total-return
LYG total return questions
If I invested $10,000 in LYG 10 years ago, how much would I have?
About $28,249 at the end of Oct 2026, with every dividend reinvested: 10.9% a year. Taking them as cash, you'd have shares worth $17,730 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is LYG's total return since Dec 2007?
-58% in total, or -4.5% a year, through Oct 2026 with dividends reinvested. The share price alone fell 86%.
What was LYG's worst year?
2008, at -77.6% with dividends reinvested (S&P 500: -36.8%). Its deepest fall from a peak, on month-end values, was -92.3%.
How is total return calculated here?
From month-end prices: the adjusted price counts every dividend reinvested in the month it was paid; the plain price doesn't. The S&P 500 is SPY with its dividends reinvested. No trading costs or taxes.