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Share Name Share Symbol Market Type Share ISIN Share Description
Lloyds Banking Group Plc LSE:LLOY London Ordinary Share GB0008706128 ORD 10P
  Price Change % Change Share Price Shares Traded Last Trade
  0.00 0.0% 53.49 0.00 00:00:00
Bid Price Offer Price High Price Low Price Open Price
53.39 53.42
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
Banks 37,444.00 6,902.00 7.50 7.1 36,931
Last Trade Time Trade Type Trade Size Trade Price Currency
- O 0 53.49 GBX

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LLOY is a large holding in the following funds:
 Fund  Percentage of Fund  Last Updated 
 JUPITER UK GROWTH INVESTMENT TRUST PLC 4.10% 2023-02-02

Lloyds Banking (LLOY) Discussions and Chat

Lloyds Banking Forums and Chat

Date Time Title Posts
03/2/202307:26Lloyds Bank (MODERATED)1,600
03/2/202307:13Black Beauty: A Recovering Quadruped383,328
03/2/202305:50Lloyds Bank (LLOY) 'On Topic only' - Thread23,312
07/12/202213:25Black Beauty: A Recovering Quadrupled494
11/10/202208:46DR COLEMAN EXPLAINS THE HIDDEN AGENDA ABOUT THE FAKE CORONAVIRUS BULLSHIT65

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Lloyds Banking (LLOY) Most Recent Trades

Trade Time Trade Price Trade Size Trade Value Trade Type
2023-02-02 17:29:5953.40750,651400,810.10O
2023-02-02 17:27:0453.2474,17139,484.93O
2023-02-02 17:26:2453.2455,51529,555.08O
2023-02-02 17:18:4853.2773,12338,951.89O
2023-02-02 17:16:4353.181,048557.32O
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Lloyds Banking (LLOY) Top Chat Posts

Top Posts
Posted at 02/2/2023 08:20 by Lloyds Banking Daily Update
Lloyds Banking Group Plc is listed in the Banks sector of the London Stock Exchange with ticker LLOY. The last closing price for Lloyds Banking was 52.98p.
Lloyds Banking Group Plc has a 4 week average price of 46.86p and a 12 week average price of 42.36p.
The 1 year high share price is 54.50p while the 1 year low share price is currently 38.10p.
There are currently 69,042,821,945 shares in issue and the average daily traded volume is 224,074,567 shares. The market capitalisation of Lloyds Banking Group Plc is £36,931,005,458.38.
Posted at 02/2/2023 18:02 by hardup1
babyal.....you have copied and pasted that from hxxps://poundf.co.uk/. All of their share price forecasts are based purely on computer algorithms based on current share price trend. If and when Lloyds share price starts going down again then their price forecasts go down and continue going down as the share price falls. And the same when the share price starts rising then their predictions all start rising again. Their forecasts should be taken with a VERY LARGE pinch of salt.
Posted at 24/1/2023 14:00 by hardup1
Lloyds share price: is 50p a bridge too far?

The Lloyds share price has been flirting with the 50p level since the beginning of 2023 – but it is yet to break the key psychological level convincingly.

Despite higher interest rates boosting Lloyds key profitability metrics, the threat of a downturn in the UK economy capped Lloyds shares gains for most of 2022.

Having recovered from below 24p in the immediate aftermath of the pandemic, the Lloyds share price has more than doubled and handsomely rewards investors that bought Lloyds shares when everyone else was selling.

Whether Lloyds can continue past 50p will depend heavily on economic dynamics that held it below 50p for so long. Higher interest rates are now largely priced into shares with net interest margin touching 2.98% in Q3 2022. Focus will now be on the consequences of a slowing UK economy.

UK Mortgages
Upcoming banking results will be poured over for details of the strength of their mortgage business. The Lloyds business model is heavily overweight UK mortgages compared to peers and any weakness in UK housing will cause concerns for investors. For example, Barclays has a substantial investment banking arm that has propped up earning in recent years.

Lloyds is the UK’s largest provider of mortgages and the ongoing success of the UK housing market is inextricably linked to Lloyds future profits. Lloyds open mortgage book stood at £298.4bn 31st September 2022, up from £292.6bn a year prior.

Should Lloyds start to see disruption in the housing market, provisions will have to be made for possible bad debts and will weigh on profits.

Lloyds made a net provision charge of £1bn in the nine months to end of September 2022, after recording a net credit in the same period a year higher.

The extent to which impairments will accelerate or decelerate will be crucial to the short term performance of the Lloyds share price.

Higher interest rates will now largely be priced into UK banks and their net interest margins are typically in line with analyst estimates. This will exacerbate the importance of new mortgage business and provisions for bad loans.

If the Lloyds share price fails to break 50p in the current market rally, it will become a strong level of resistance in the future after failing their on numerous occasions.

Lloyds full year results for 2022 are due to be released 22nd February.

hxxps://ukinvestormagazine.co.uk/lloyds-share-price-is-50p-a-bridge-too-far/?

Posted at 11/1/2023 08:34 by hardup1
Lloyds Banking, Centrica, Royal Mail owner IDS top for value seekers, says platform.

Lloyds Banking, Centrica, Royal Mail owner IDS top for value seekers, says platform
Freetrade has bundled together a collection of household names based on what it says are typical value indicators

Lloyds
Lloyds Banking Group PLC (LSE:LLOY) is the most popular value stock among its users, according to share trading platform Freetrade, followed by Legal & General, ASOS and Deliveroo.

Value stocks are generally those that sit bottom in at a range of investment yardsticks largely because revenue growth has ground to a halt.

Freetrade has bundled together a collection of household names based on what it says are typical value indicators - good cash flow, healthy dividend yield or low ratios of share price to earnings (PE ratio) and to tangible assets (discount to book or P/B).

The platform reiterates that these are not recommendations but just the most popular stocks that meet the value criteria.

Lloyds gets in for a price-to-book of 0.6 and PE ratio of 7.6, though profits for banks can be a moveable feast and many analysts use return on capital as a more accurate measure.

Others in the list include Royal Mail owner International Distribution Services PLC with a P/B ratio of 0.4, and a P/E ratio of 9.1, which reflect a grim year for the postie though Freetrade notes the share price has been showing signs of recover

The ‘value’ credentials of Deliveroo and ASOS, meanwhile, likely reflect historic numbers that are lagging well behind the share price.

Insurers Direct Line and Legal & General are traditionally valued on dividend yield (high) and discount to the asset value.

British Gas owner Centrica and retailer Marks & Spencer also both appear and unlike the rest are both seeing decent increases in sales currently - through energy prices rising and self-help measures respectively - though in M&S’s case, it looks to be at the expense of margins currently.

Shares in Lloyds rose 0.5% to 48.3p.

https://www.proactiveinvestors.co.uk/companies/news/1002750/lloyds-banking-centrica-royal-mail-owner-ids-top-for-value-seekers-says-platform-1002750.html

Posted at 04/1/2023 15:07 by dexdringle
Buy backs are usually a disaster too. Why people think the share price will rise as a result is beyond me.

The company is offsetting an equal amount of cash thus reducing the assets of the business. No value is created.

The ONLY time buybacks make sense is when the NAV per share is significantly higher than the share price. By which I mean at least twice as high in which case buyback creates value in that it automatically increases the NAV per share.

Example One (good). Assets £100 including £20 cash. Shares in issue 100. Share price 50p. NAV is £1 a share.

Use the £20 to do a buyback of 40 shares. Then you have : Assets £80, no cash, 60 shares in issue. NAV is now increased to £1.33 per share which should result in a share price increase.

Example Two (bad). Assets £100 including £20 cash. Shares in issue 100. Share price £1. NAV is £1 a share.

Use the £20 to do a buyback of 20 shares. Then you have : Assets £80, no cash, 80 shares in issue. NAV is still £1 per share which will result in no change to the share price. Pointless.

All example 2 does is possibly increase the EPS which is probably a metric for directors bonuses 🙄

Posted at 04/1/2023 09:34 by scruff1
And after a day off I see LLoy share price has remembered where it is and back in tarts knickers mode
Posted at 22/12/2022 14:08 by scruff1
Is that graph the LLoy share price today or Britains industrial output since the Tories decided to tax everythinh and everyone more than the socialists?
Posted at 13/12/2022 16:10 by hardup1
Lloyds shares: a solid dividend choice for 2023?

Lloyds shares have had mediocre 2022. The first weeks of the year saw the bank’s shares break above 50p as investors geared up for Bank of England rate hikes and the benefits of higher interest rates for Lloyds’ profitability.

However, Lloyds’ foray above the 50p mark was short lived. The tragedy in Ukraine began to unfold and the western world was gripped by a cost of living crisis as energy bills soared.

The Lloyds share price has been in a steady downtrend in 2023, making a series of lower highs, the most recent of which was a failure to break 47.5p.

In November, we questioned whether the Lloyds share price would reach 50p by Christmas. Although there is a possibility this is achieved, the recent pull back from 47.5p will add an additional resistance level to any move to the upside.

Indeed, Lloyds has staged a significant rally over the past 6 weeks, but the 50p level may be a bridge too far before the end of 2022.

Lloyds dividend
Lloyds shares may not be a selection that provides a huge amount of capital appreciation in early 2023. If experts at the Bank of England and UK chancellor are right, the UK is headed for a recession that will impact Lloyds customers and curtail the banks profit growth.

The recession isn’t expected to be deep, but it is expected to be prolonged.

One wouldn’t expect a huge impact on profits as Lloyds will broadly benefit from higher interest rates, but it’s difficult to see a situation where Lloyds profits grow significantly.

A steady level of profit for Lloyds in 2023 means the company will be in a strong position to continue to pay dividends. There is also scope for dividend increases.

Lloyds dividend cover is 3.9x, leaving more than enough room to pay additional dividends to shareholders. Investors should expect a measured approach to increasing dividends by Lloyds and it would be a surprise if payouts aren’t increased incrementally going forward.

A damaging recession could delay a dividend hike but the current 4.4% yield makes Lloyds a solid dividend choice for 2023 with the potential for capital appreciation from a fairly valued Lloyds share price.

hxxps://ukinvestormagazine.co.uk/lloyds-shares-a-solid-dividend-choice-for-2023/?

Posted at 06/12/2022 08:41 by hardup1
Insider: a big Lloyds Bank share trade by FTSE 100 boardroom veteran.

A former Barclays executive who joined the board of Lloyds Banking Group
LLOY last month has spent £200,000 making one of the lender’s biggest insider purchases of the year.

Cathy Turner’s investment, which took place on Wednesday at a price of 46.9p, follows her appointment as a non-executive director at the start of November.

It was the biggest purchase by a board member since Lloyds chair Robin Budenberg bought 500,000 shares in the aftermath of February’s annual results at a price of 47.4p.

Turner’s acquisition of 424,113 shares already gives her one of the largest shareholdings among the non-executive directors on the Lloyds board.

She knows financial services and the UK banking sector well, having worked in senior executive positions at Barclays with responsibilities spanning human resources, executive compensation, investor relations, strategy and brand marketing.

Turner also serves on the boards of fellow FTSE 100-listed stock Rentokil Initial
where she heads the remuneration committee, and instrument technology business Spectris.

Last week’s purchase by Turner came at the end of a month in which Lloyds shares have shown signs of momentum. They rose 10% in November but remain within this year’s 40p and 50p range, despite the significant boost to margins from higher interest rates and evidence of resilience in the jobs market.

Fears over a house price slump have dampened investor enthusiasm towards the Halifax mortgages owner, even though many City analysts argue that UK banks are fundamentally different from a lending risk perspective than in past cycles.

UBS’s Jason Napier has Lloyds as his top pick in the UK banking sector and believes shares should be trading at 70p. He said the third quarter earnings season had exposed some attractive valuations in a UK banking sector that trades on 5.5 times forecast earnings.

He is particularly positive on Lloyds due to a yield of 5% and the potential for February’s annual results to include a shares buyback of £2.25 billion worth 7% of market value.

hxxps://www.ii.co.uk/analysis-commentary/insider-big-lloyds-bank-share-trade-ftse-100-boardroom-veteran-ii526196

Posted at 24/11/2022 12:05 by marktime1231
Giddy up. LLOY share price recovering even though, for now, on balance, the benefit of higher interest rates outweighs the harm.

Despite an economy which is still going strong the US are beginning to signal less aggressive interest rate rises. The UK economy is weaker and I really hope the BoE take things slow and steady from here because every rate rise now will translate in to businesses folding and jobs lost. Enough with the idea that we definitely need to suffer even more now in order to possibly enjoy a brighter future.

As Mervyn King said we over-inflated the economy with too much QE money printing, and throwing public money at the pandemic with wasteful procurement and support measures. The billions and billions on unsuitable PPE, Track and Trace etc. Uncontrolled issuing of bounce back loans of up to £50K to anyone who asked for one. So BoE get on with QT etc, and go easy on the base rate. Leave it to the Treasury to solve the fiscal problems caused by inept government.

The Nationwide in its recent report observed that it too has tripled provisions for the difficult couple of years ahead, in anticipation of what it sees as inevitable defaults etc. A central forecast of a 9% house price crash and a 7% decline in real incomes. And yet, still, so far no material problems. Keep people in work and we will be looking back on this as a purple patch for the banks.

Posted at 07/11/2022 12:33 by hardup1
Lloyds shares: should you buy for income?
The Lloyds share price has remained frustratingly subdued since their earnings updates a couple of weeks ago and the dark clouds gathering above the UK economy suggest Lloyds shares could stay depressed in the immediate future.

The capital appreciation element from investing in Lloyds may be postponed as we move through the winter months into the spring, at which time we may see a shift in monetary policy, lower inflation rates, and overall market sentiment.

Lloyds shares may trade within their 40-43.5p range for an extended period meaning investors would have to rely on dividend income as compensation for the wait.

Third quarter profits at the bank were robust enough to support the share price, but provisions for bad debts were a warning of economic uncertainty.

However, there is undoubtedly the chance Lloyds jump back above 50p on positive developments in the UK economy, and the 4.7% Lloyds dividend yield adds an extra attraction for investors.

Lloyds Dividend.
The bank has gone ex-dividend in early to mid April in the past two years and investors will be eyeing their final dividend payout next year which makes up the lion’s shares of their payout during the year.

Lloyds paid 1.33p as final dividend earlier this year and investors will be hoping this is at least maintained after the benefits of higher interest rates on profits.

Much will rest on the health of the UK economy and the level of future provisions Lloyds will have to make for bad debts, as well as demand for mortgages.

News today that UK house prices were falling will be a cause for concern, but many experts predicts any downside in UK house prices will be minimal.

With a yield of 4.7%, Lloyds has a better yield than the majority of FTSE 100 shares and is well covered at 3.9x. This means there is plenty of space to increase the dividend – should profits hold at current levels.

Lloyds share price was trading at 42.7p at the time of writing; up 1.7% on the day but down 10% year to date.

hxxps://ukinvestormagazine.co.uk/lloyds-shares-should-you-buy-for-income/?

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