Share Name Share Symbol Market Type Share ISIN Share Description
Lloyds Banking Group LSE:LLOY London Ordinary Share GB0008706128 ORD 10P
  Price Change % Change Share Price Bid Price Offer Price High Price Low Price Open Price Shares Traded Last Trade
  +0.37p +0.64% 58.62p 58.60p 58.62p 58.84p 58.27p 58.50p 27,639,263.00 10:05:27
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
Banks 23,150.0 1,644.0 0.8 73.3 41,839.28

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Date Time Title Posts
06/12/201610:17Black Beauty: A Recovering Quadruped189,979.00
29/11/201611:16Banks - Ye Olde Nag best of a bad bunch?114,088.00
22/11/201609:56UK Govt continues selling Lloyds (LLOY)-
17/11/201618:38LLOYDS - A RISING STAR IN THE FINANCIAL WORLD!!!21,166.00
27/10/201615:22LLOYDS True Share Value 34p2,147.00

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Lloyds Daily Update: Lloyds Banking Group is listed in the Banks sector of the London Stock Exchange with ticker LLOY. The last closing price for Lloyds was 58.25p.
Lloyds Banking Group has a 4 week average price of 58.92p and a 12 week average price of 56.48p.
The 1 year high share price is 74.09p while the 1 year low share price is currently 47.10p.
There are currently 71,373,735,357 shares in issue and the average daily traded volume is 176,437,104 shares. The market capitalisation of Lloyds Banking Group is £41,846,421,039.81.
jacko07: Clipped from C Suite. Lloyds Banking Group plc (LON:LLOY) share price is down again on Tuesday morning, following two difficult days of trading. LLOY had threatened to hold above the 60p threshold over the past two weeks, and did even manage to solidify the position for a few days, however share price is retreating once more. It seemed last week that investors were buoyed by news that the Treasury had further reduced its holding in the bank, with Lloyds reporting that the figure had now fallen below 8 per cent. This week the big UK banks have been hit as investors await the results of the latest Bank of England stress tests, which also arrive on Wednesday. This means that depending on the outcomes of both the OPEC meeting, and the BoE stress tests, the banking stocks could look quite different by Wednesday afternoon.
excell1: tempus October 15 2016, 12:01am, The Times The Black Horse and an each-way bet Martin Waller The reaction of the Lloyds Banking Group share price after the government announced the sale of its remaining shares a week ago is an odd one. The shares fell by 4 per cent; they are still off 4 per cent after some recovery yesterday. It is not as if we didn’t know that the state still held 9.1 per cent and would be selling at some time. The shares will be dribbled out over a period of up to a year, starting date not known, so it is not like some massive rights issue hitting the market overnight. It has removed a degree of uncertainty over the sale. Whatever the rights and wrongs of not having a retail sale with a loyalty share bonus if you hold for long enough — the structure that was being considered — this has made the disposal of the shares a great deal simpler. Retail investors are quite at liberty to go into the market and buy the shares anyway, taking advantage of that fall in the price. Should they? There is no question that Lloyds, which is almost entirely UK-facing and has nearly a quarter of all retail accounts, is hugely cash-generative and that it has indicated, and past actions show, that the most likely option is that the cash will be paid back to investors. There are a few caveats, though. The first is the reason for the decline in the share price by more than a fifth since the start of the year, with a sharp drop after the EU referendum: that British exposure. Plainly, continuing low interest rates will hurt banks and cut the margins they make on lending. There will be a further unspecified drag from any UK economic slowdown. Some numbers out from the Bank of England only yesterday suggested that businesses are, indeed, pulling in their horns and borrowing less. By some estimates Lloyds will have approaching £3 billion of surplus capital by the end of the year. There are calls on this capital, though. The low bond yields available will mean further pressure on the pension fund and the need for top-ups. There is also the potential for further payment protection insurance claims. Lloyds has third-quarter figures out on October 26. One analyst says they could include an £800 million hit apiece from these in the figures. This is guesswork and the deadline for further PPI claims has been set for 2019, which gives the banks some degree of certainty. The biggest question over the dividend is the possible purchase by Lloyds, mooted for some months now, of MBNA, the huge credit card operation owned by Bank of America Merrill Lynch. This has about 11 per cent of the UK credit card market. Its owners are desperate to be shot of it. Lloyds is the only credible buyer, private equity aside, because Barclays is probably precluded owing to its ownership of Barclaycard. It makes a good fit with Lloyds, which wants to build up its credit card business. The price of the deal has been coming down. MBNA’s loan book is about £7 billion, but a buyer might be able to offer less than that. Any deal would add to earnings almost immediately but it would mean some limitation to Lloyds’ dividend growth, one of the main reasons for holding the shares. The bank paid 2.25p in dividends last year, along with a 0.5p special. Assume a decent increase and a repetition of that special and the shares yield more than 5.6 per cent, while that yield shoots up to approaching 8 per cent in 2018. An MBNA deal would lessen this, but the increase in earnings would boost the share price. On that basis, the shares look like a good two-way bet.
shaws67: Chart guru Zak Mir reckons Lloyds Banking Group Plc (LON:LLOY) can keep coasting in a relative comfort zone, even though the government’s stake remains a cap on the share price. Noting the taxpayer’s breakeven price of 73p, he says: “There’s a distressed seller up there … but at these levels Lloyds can coast along for quite some time.” Mir, in a Tips TV segment for Proactive Investors, highlighted that investors in Lloyds will feel as though it is an “oasis of safety” in a sector gripped by fear. WATCH: Zak’s analysis right now Looking at the Lloyds chart the technical analyst says: “we’ve really been trading sideways.” “Interest I think comes in towards the 50p level, it is a key psychological area. I wouldn’t say I was looking for great upside here, but maybe towards the 65p area.” Mir acknowledges the Lloyd’s chart was a bit of a mess, but, he reckons if the bank’s price was going to fall it probably would’ve dropped below 50p already. “We’ve got higher lows there for September versus August, so give it the benefit of the doubt at the moment.” www.
allinhope: Watching lloy share price is somewhat tiresome given the daily ups and downs in comparison to the 100 and peer banks. I know this is how the market operates but for some reason, as a lloy shareholder I can help feeling as there is something odd about lloy share movements. Thoughts anyone.
raffles the gentleman thug: Osborne was clearly too distracted by the lovely Thea Rogers OBE to even consider the lofty LLOY share price
utyinv: This share price follows no logic! AH and analysts have stated that anticipated divi for 16/17 will be circa 3.1p. With a 0.85p interim and an anticipated 2.25p at finals. At current price this gives a 5.8% return on investment, a little top heavy. 4.5% return is good enough so the corresponding share price on a 3.1p divi should make the current share price 69p minimum. Also AH has said that 70% of profits will be returned to shareholders to make Lloyds a big dividend play! A conservative £5 billion profit for 17/18 should reap a divi of 5p and a Profit of £7 billion will give a div of 6.9p. Let's not forget that HBOS before the crash was making £10-8 billion profit (yes I know some of those gains were now seen as improper hence the PPI) and HBOS is only a part of the Lloyds business now with the least profitable elements disposed of. Lets be positive about our future, stop talking the bank down and the Country into a recession, roll up our sleeves and get on with it. Remember, the more divi we get the more the Treasury gets as long as they maintain their stake. So policy should (hopefully) pave the way to mutually benefit both shareholders and Treasury. Like I have previously stated Lloyds has the most PI in the FTSE many of whom are pensioners and professionals who tend to vote when elections are called!
blusteradjuster: LLOY share price slips below its TNAV. In fairness, it's just joining all the others in that. Market is pricing in value destruction all across the sector.
robwt: monty.... I think you are maybe hoping that they will sell at that price, which will be a thumping great loss to the taxpayer. If the govt sold the stock to fund managers at 50p a share, they would unleash the wrath of the press and the public who would accuse them of selling it to their cronies at a knockdown price. Cable took a lot of stick on Royal Mail and look where he is now. May and Hammond will not risk the backlash Osbourne could have sold these shares two years ago and made a profit, just shows how well he knows the markets. Had he sold them, they probably would not be down at this bombed out price. The goverment stake creates a black hole, a false market on the share price Lloyds are doing well, but the share price lanquishes in the 50s because funds are waiting. Average Fund managers are like lemmings, they have no bottle when times are uncertain. I am not saying the Govt won't sell it off at a loss, but they will sell it to with the public having first dibs. That will be when the share price recovers from these lows. IMO Hammond will announce the sell off as soon as the share price is above 63p, which according to experts is the real stand in price after taking dividends and other sales in to account
gyy: hxxp:// Share Price Performance Relative to Peers Compared to peers, relative underperformance last month is down from a median performance last year. While LLOY-GB‘s change in share price of -34.58% for the last 12 months is in line with its peer median, its more recent 30-day share price performance of -21.29% is below peer median. This suggests that the company’s performance has deteriorated more recently relative to peers. Share Price Performance Lloyds Banking Group Plc has an earnings score of 25.74 and has a relative valuation of UNDERVALUED. Stocks with High Earnings Momentum are a preferred option for momentum plays. If they are undervalued, it can be a further advantage and may indicate sustained momentum.
whitestone: From ADVFN BE Bailed out, lossmaking bank doing special divis because its main shareholder is underwater again and can't liquidate its position. BE If the biggest shareholder were a Russian oligarch we'd be huffing and puffing and scandalised. BE But because it's UKFI, all is well. Efficient markets being efficient. BE Let's ignore that Lloyds Q4 missed consensus. BE And it's booked another £2.1bn PPI provision. BE Because apparently that £2.1bn PPI provision draws a line, of sorts. BE This is PPI exposure winding down. BE So let's ignore Lloyds' potential exposure to annuities misselling. BE And let's ignore Lloyds' potential exposure to packaged bank account misselling, the complaints about which are running well ahead of where PPI ever was. BE Instead, have some cash. From a lossmaking bank. Sure. Cool. Whatever. BE Here's Morgan Stanley. BE While Q4 PBT is -8% light vs consensus at £1.76bn on lower other income / higher impairment , the 0.5p special dividend and PPI commentary appear to show the normalisation process for Lloyds is almost complete and that future underlying returns will accrue to shareholders which we think is key for the stock performance. Lloyds indicate that the extra £2.1bn PPI provision should be sufficient, that margin will expand to 2.70% in 2016 (+0.07% y/y) somewhat allaying fears of a squeeze from competition / low rates. BE Overall slightly soft set of underlying Q4 earnings with underlying PBT of £1.76bn, 8% below consensus. Revenues 2% light despite solid NIM print at 2.64% in Q4 (flat q/q) and steady average interest earning assets as noninterest income was impacted by disposals and run-off as well as weather related insurance claims (c.£60 million). Costs were in line with consensus but impairments came in ahead of consensus at c.£230 million or 22bps. BE PPI charge of £2.1 billion for the quarter reflects time bar and Plevin proposals and takes the total provided to £16 billion. The unutilised provision of £3.5 billion is expected to be sufficient to cover an average of c.10,000 complaints per week with associated admin costs (vs. 8,000 complaints per week in 2015). 4Q results also included £302 million of provisions for packaged bank accounts and “a number of other product rectifications”. BE CET1 ratio 13% pro forma and TNAV 52.3p missed MSe due to higher than expected dividends. Full year dividends totalled 2p, with 1.5p ordinary and 0.5p special (in line with consensus but ahead of MSe) taking CET1 ratio down to 13% pro forma for 20bps benfit from an insurance dividend relating to 2015 to paid in 2016. RWAs £233 billion, -1% q/q. TNAV at year end was 52.3p (53.8p pre dividend) and company flagging improvement to 55.6p as at 19 February. BE Outlook reassuring on NIM and asset quality, though cost:income / RORE targets pushed out: NIM guidance of 2.70% for FY16 +0.07% y/y is ahead of consensus (2.63%) and should significantly allay market fears. Asset quality ratio is now guided to below 20bps for FY16 (vs cons 19bps) which is in-line. The push out of the cost: income target (now 45% only expected in 2019) could be indicative of lower than expected other operating income, so we expect to see more explanation here on the call. Also given an underlying RORE of 15% in 2015 investors will naturally query why the 13.5%-15% target may not be met on a stat basis in 2017. The capital generation target is improved to 2% annum (was 1.5-2%) indicating c.£4.5bn of capital flow year (based on £223bn of RWAs) or c.10% of market cap which seems rather appealing. BE And Deutsche Bank. BE Overall, we expect the market to react positively to these results given the focus on the dividend and capital return story, and the upgraded NIM guidance. Importantly, we think loyds’s ability to pay special dividends and run at 13% CET1 level is confirmation that the more dovish tone from the BoE statement on capital in December is being implemented, which is positive for UK banks more generally. Lloyds is trading at 8.6x 2017 EPS, 1.2x TNAV for a forecast 7-10% Dividend yield 2016-2018. We retain our Buy rating. BE And Investec. BE Price: 62.2p | Target: Under Review | Rec: Buy Once again we see Lloyds’ earnings recovery story as merely “deferred” rather than cancelled”. A Q4 2015 Reported Loss of £0.5bn primarily reflects an unsurprising £2.1bn PPI top-up, while the underlying result was, we think, broadly in line with expectations. But with a proforma CET1 ratio of 13.0% Lloyds has declared an FY15 dividend of 2.25p plus a 0.5p “special”. Outlook comments should trigger consensus upgrades; 2016 NIM is guided to 2.70% (vs 2.63% in 2015). On 1.2x 2015 tNAV (52.3p) for 2017e RoTE of 12.2%. BUY. For us, the key news is the actual dividend and the outlook for capital accretion and dividends. The 2.75p to be paid for 2015 represents a 4.4% yield. Lloyds is a ‘low/no growth’ bank, but capital accretion is now guided to 2% p.a. (previously 1.5%), giving us increased confidence in the validity of our existing 5p 2017e dividend forecast - an improbably high implied 2017e dividend yield of 8%. We expect a material upward share price correction to deal with that! We regard the underlying performance as broadly “in line” with a better mix than anticipated. The Q4 2015 Underlying PBT of £1.8bn was 2% below our own £1.8bn forecast. Technically, this is an 8% miss against company-compiled consensus of £1.9bn, but that number looks somewhat “stale”, and can be ignored in our view. Against our forecasts, we see Q4 2015 revenues of £4.3bn (+5% QoQ) as a £100m (2%) beat, offset by misses of £76m (3%) on costs and £67m (41%) on impairments, hence the small £43m (2%) miss in U/L PBT. Of much greater significance for the share price outlook is, we think, the transition from capital build to capital return. Lloyds thinks its £16bn cumulative PPI provision will be sufficient, albeit we still assume a further c.£1bn charge. However, Lloyds has “corrected” its peculiar 30% medium-term tax guidance to 27%, and this enhances expected capital build. It is a ‘low/no growth’ bank but, in our view, offers a very high and clearly visible capital return story. Buy rec reaffirmed. Detailed forecasts and 78p TP are placed under review
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