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
  +0.49p +0.83% 59.35p 59.39p 59.42p 60.11p 58.86p 58.86p 182,557,511 16:35:26
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
Banks 23,150.0 1,644.0 0.8 74.2 42,360.31

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DateSubject
31/8/2016
09:20
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 58.86p.
Lloyds Banking Group has a 4 week average price of 55.39p and a 12 week average price of 57.10p.
The 1 year high share price is 78.02p 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 151,515,238 shares. The market capitalisation of Lloyds Banking Group is £42,360,311,934.38.
02/8/2016
13:44
raffles the gentleman thug: Osborne was clearly too distracted by the lovely Thea Rogers OBE to even consider the lofty LLOY share price
31/7/2016
20:45
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!
28/7/2016
08:39
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.
19/7/2016
12:10
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
27/6/2016
11:14
gyy: hxxp://www.capitalcube.com/blog/index.php/lloyds-banking-group-plc-breached-its-50-day-moving-average-in-a-bearish-manner-lloy-gb-june-27-2016/ 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.
25/6/2016
10:06
freddie01: Lloyds, Barclays and Taylor Wimpey top trades as investors profit from Brexit falls Investors have rushed to take advantage of falling markets, with AJ Bell reporting three-quarters of its day’s trading being buys, as it sees trading increase five-fold. Data from AJ Bell and Hargreaves Lansdown shows investors have rushed to buy banks and housebuilders, aiming to profit from market falls that saw the FTSE drop 8 per cent today. AJ Bell says trading on its platform is five times the usual daily amount, with 74 per cent of the trades being buys compared to 26 per cent of sells. Investors had increased new cash deposits by 50 per cent in the three days leading up to the referendum, says AJ Bell, highlighting that investors were preparing to profit from any market falls. Lloyds and Barclays accounted for 17 per cent of all purchases on the platform, following a 20 per cent fall in the companies’ share prices. Hargreaves Lansdown saw similar trading activity, with hard hit financial firms such as Lloyds, Barclays, Legal and General, Aviva, and Royal Bank of Scotland being among the top 10 most bought stocks. Laith Khalaf, senior analyst at Hargreaves Lansdown, says: “The Footsie has been bailed out by the sterling collapse, because all its international revenues streams are now worth that much more in pounds and pence. “Financials and house builders are bearing the brunt of the pain, with Lloyds bank being one of the biggest fallers. It’s probably safe to say the public sale of the bank is now firmly in the long grass, and the return to full private ownership of both Lloyds and RBS has been knocked off course.” Russ Mould, investment director at AJ Bell, says: “These figures suggest investors are taking advantage of short-term volatility to snap up some bargains. Market volatility driven by sentiment rather than company fundamentals is normally short-term and many investors seem to be focusing on what really drives share price valuations over the long term: profits and cashflow growth.” Khalaf adds that tracker funds have seen a flood of money invested in them, as “investors have simply sought blanket market exposure”. Trusted brand names have topped the most-bought funds list, including Woodford Equity Income, Lindsell Train UK Equity, Fundsmith Equity and Marlborough Multi Cap Income. hxxps://www.fundstrategy.co.uk/lloyds-barclays-taylor-wimpey-top-trades-investors-rush-profit-falls/
25/2/2016
16:10
whitestone: From ADVFN http://ftalphaville.ft.com/marketslive/2016-02-25/ 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
22/2/2016
12:47
freddie01: Extra £2bn PPI penalty dashes Lloyds dividend hopes PROSPECTS for early special dividends or share buybacks at Lloyds Banking Group are dim as the taxpayer-backed bank is set to unveil a fresh £2 billion hit for mis-selling­ loan insurance this week. The provision for further payment protection insurance (PPI) claims will come with Lloyds’ annual financial results, and is expected to push the lender into the red for the final quarter of 2015. Last year, group chief executive Antonio Horta-Osorio said the pace of the bank’s recovery from the financial crash meant there was scope for returns of capital to shareholders – the taxpayer stake is now under 10 per cent compared with more than 40 per cent at the high water mark. But he is expected to say at Thursday’s results meeting that the PPI hit, as well as Chancellor George Osborne’s postponement of a retail share offering in the bank because of stock market volatility, means there are unlikely to be special divis or buybacks in the near future. Ian Gordon, banking analyst at Investec, said: “The Q4 PPI charge will be key. I’m forecasting at least £2bn. People expect a read across from higher Q4 charges already announced by other banks. “Given what we know now, Lloyds’ share price got ahead of itself last summer, expecting special divis etc. I now don’t expect Lloyds to have had surplus capital at end-2015.” The latest hit will take the lender’s cumulative PPI bill to £15.9bn. Barclays equity research said in a note that it was increasing its Lloyds’ Q4 PPI provision forecast to £2bn from £800 million. “We continue to see Lloyds having the ability to return up to 40 per cent of its current market capitalisation to shareholders over the coming years, with recent regulatory clarifications supportive,” said Barclays. “However, the increased likelihood of higher PPI provisions in Q4 reduces near term dividend prospects.” Gordon forecasts a Q4 loss for Lloyds of £465m, but an annual pre-tax profit of £1.69bn. He has pencilled in a final dividend for the bank of 1.5p, taking the full-year total to 2.25p. Banks have ramped up PPI provisions because of a flurry of new claims following the government recently setting a deadline of 2018. On its general financial performance, Horta-Osorio is expected to say that the bank has made more progress on its net interest margin – the dif­ference between what it charges lenders and pays on deposits. He is also expected to play down recent volatility in banking stocks as Lloyds is the most UK-centric of the big five banks and prospects for the UK economy remain sound. Royal Bank of Scotland will be in the red for the eighth year running when it posts its annual results on Friday, having told the market last month that it had set aside £2.5bn to cover past wrongdoing and writing down the value of its private banking arm. RBS said it had put aside £500m for PPI claims in Q4 of 2015. The City expects the bank to post a £2.8bn loss for Q4, and a £2.5bn loss for the full year. One analyst said: “We still think it could be 2019 before RBS makes a normalised profit. You are looking at a three-year period. “For 2015, there are likely to be hefty losses in the corporate division as costs have been taken out. However, the performance of the retail and commercial banking arm will be more interesting because it is more representative of what RBS will look like. http://www.scotsman.com/news/uk/extra-2bn-ppi-penalty-dashes-lloyds-dividend-hopes-1-4035121
28/1/2016
11:18
broadwood: No surprise there then. copyright Getty Images The chancellor has postponed the sale of the Government's final stake in Lloyds Banking Group, saying the global turmoil in the markets and slowing growth had sparked the delay. George Osborne told me that he would not give the go-ahead until the markets had calmed, saying that "now is not the right time". He said he still supported encouraging wider share ownership in Britain. So this looks like a significant delay rather than a cancellation. The sale of the final part of the government's stake in Lloyds was a general election pledge made by David Cameron. It was expected to raise £2bn, making it one of the largest privatisations since the 1980s when BT and British Gas were sold, raising £3.9bn and £5.6bn respectively. Mr Osborne announced the details of the Lloyds sale to hundreds of thousands of small investors last October. It was thought the sale would take place in the spring. But since then Lloyds' share price has fallen and the trading environment for banks has become tougher. Low interest rates also make profits harder to come by across the sector. In October, Lloyds share price was 78p, above the 74p considered to be the "in price" the government paid to rescue the bank during the financial crisis - when it used billions of pounds of tax-payers money to shore up the financial system. That share price is now down at 64p, so the government would be selling the shares to the public at a considerable loss. Yesterday, the Royal Bank of Scotland announced billions of pounds of new provisions to pay for fines and legal actions connected to the financial crisis. Its share price has also fallen. The government owns 73% of RBS and just under 10% of Lloyds. It doesn't look like it will be selling either stake any time soon
08/1/2016
09:14
broadwood: Will Lloyds Banking Group PLC Rise By 100% This Year? (Who would print a headline like that?) You've got it. Lets hope he's right It’s rare to find a stock in the FTSE 350 that trades on a single-digit price-to-earnings (P/E) ratio. It’s even rarer to find one that’s highly profitable and has the potential to grow its earnings and dividends at a rapid rate. However, that’s exactly the circumstances in which Lloyds (LSE: LLOY) currently finds itself, with the part-nationalised bank having the potential to double during the course of 2016. Clearly, for any stock to double in price requires a significant shift upwards in investor sentiment. And while the UK economy is performing relatively well, the outlook for the global economy remains uncertain due to a slowing China and US interest rate rises. With the EU referendum on the horizon, it would be of little surprise for the UK economy to experience a degree of uncertainty. As such, the 2016 financial performance of banks such as Lloyds is likely to be impressive, but may not benefit from an advantageous macroeconomic outlook to the same extent as in recent years. That said, Lloyds is still expected to deliver a pre-tax profit of just under £8bn in the current financial year. For a business that until 2013 was deep in the red, that’s an excellent result and shows that its strategy is paying off. On this front, Lloyds’ asset disposals and a ruthless focus on efficiency have led to a relatively low cost-to-income ratio of 48%. And with a lean cost base and scope for improved profitability, there’s the potential for this figure to remain at a highly appealing level over the medium-to-long term. Dividends on the rise Due to Lloyds’ improving financial performance, its dividends are expected to rise rapidly. The bank’s shares are due to yield 5.2% in the current year as dividends per share are set to increase from 2.4p last year to 3.7p this time. That’s a gain of 54% in just a year. With the FTSE 100 yielding around 4%, Lloyds is now a very appealing income stock with a sound financial footing through which to increase shareholder payouts at a higher rate than inflation. With Lloyds trading on a P/E ratio of only 8.5, there’s significant upward rerating potential. Clearly, a rating of 17 may seem somewhat unachievable this year, but Lloyds posted a share price gain of 89% in 2012 and 61% in 2013. Both of these figures show that the bank’s shares can quickly gain in popularity and push its valuation substantially higher. And with Lloyds now in a much healthier position than in 2012 or 2013, it could be argued that even greater gains are warranted after the disappointment of 2014 and 2015. One potential catalyst to move Lloyds’ shares higher is the sale of the government’s stake that’s due to complete this year. As well as being a good deal for investors (who, when purchasing new shares, will receive a 5% discount to Lloyds’ share price plus a free share for every 10 held for a year), the end of government ownership could finally signal that Lloyds is almost back at full health, thereby boosting market sentiment. Moreover, when a yield of 5.2%, a discount of 5% and the potential for a 10% bonus (with one free share) are added to the upward rerating potential on offer, a 100% total return in the next year can’t be ruled out.

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5,987 58.93 31 Aug 2016 17:08:14 GBX
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