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
  0.185 0.4% 46.985 180,349,854 15:54:50
Bid Price Offer Price High Price Low Price Open Price
46.975 46.985 47.13 45.505 46.00
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
Banks 29,167.00 1,226.00 1.20 39.2 33,338
Last Trade Time Trade Type Trade Size Trade Price Currency
15:54:46 AT 4,607 46.985 GBX

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30/11/202115:41Black Beauty: A Recovering Quadruped358,337
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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 46.80p.
Lloyds Banking Group Plc has a 4 week average price of 45.41p and a 12 week average price of 41.35p.
The 1 year high share price is 51.58p while the 1 year low share price is currently 32p.
There are currently 70,954,353,687 shares in issue and the average daily traded volume is 220,050,892 shares. The market capitalisation of Lloyds Banking Group Plc is £33,384,023,409.73.
cheshire pete: How long till LLOY share price is 60p then Prof?
arja: do not talk about brextremists in that way Professor even if it is true :) re LLOY , it is edging higher on back of rising bond yields but painfully slowly . more entertaining to watch the grass grow in summer that watch LLOY share price :)
stonedyou: Lloyds Banking Group returning to normal, says leading investment bank. Deutsche Bank is a big fan of shares in the black horse lender. The City’s abacus rattlers continued to upgrade their target prices for Lloyds Banking Group PLC (LSE:LLOY) in the wake of last week’s better-than-expected quarterly results. The figures were largely flattered by accounting write-backs of charges taken at the start of the pandemic. The trend was the same across the sector. Deutsche Bank reckons the black horse lender is ‘returning to normal’. In a note to clients, it said Lloyds was one of its top picks in European banking. “We continue to believe that consensus does not reflect impending UK rate rises,” it added. By 2023/24, Deutsche expects Lloyds “will be on the way to recovering most of the return on tangible equity lost due to Covid in 2020”, while delivering a yield in capital return of 7-9%. The German bank rates the stock a ‘buy’ up to 60p. Goldman Sachs (NYSE:GS) also weighed in, upgrading its price target to 55p from 51p, but keeps its ‘neutral’ recommendation. Of the 24 banks and brokers covering Lloyds, 16 rate the shares either ‘buy’ or ‘outperform’. Only one has a negative call on the stock, with the rest maintaining a ‘neutral stance’. The average target price suggests the shares are undervalued by 13.5%. Analysts expect pre-tax profit for 2021 to be up year-on-year by 500%, albeit from a very low base. https://www.proactiveinvestors.co.uk/companies/news/964974/lloyds-banking-group-returning-to-normal-says-leading-investment-bank-964974.html
dorlcote: A good article indicated by Nicks link above and mine below. hTTps://www.ft.com/content/4965d921-8276-4a4a-a689-e0c426e79bb4 Prepare for Lloyds Bank to spend it like Sunak As a proxy for the UK economy, the lender has benefited from the same bounceback as the chancellor CAT RUTTER POOLEY When Rishi Sunak stood up to present his Budget on Wednesday, he could almost have been introducing Lloyds Banking Group’s quarterly results. “Employment is up. Investment is growing . . . wages are rising,” Sunak said. “Today’s Budget delivers a strong economy for Lloyds Bank.” OK, so he didn’t say that last bit. But he may as well have done. Lloyds talks about helping Britain recover. It is more the case that Britain is helping Lloyds recover. The UK’s biggest mortgage lender has long been a proxy for its economy. It lacks the investment banking exposure that Barclays has and NatWest used to, or the international operations of HSBC. And so as Britain has bounced back more quickly than expected from the pandemic, so has Lloyds. Quarterly pre-tax profits of £2bn for the three months to the end of September weren’t just better than expected, they were 50 per cent better. Revenues: better than expected. Margins: better than expected. Impairments: again, better than expected. Sunak’s budgetary largesse was facilitated by forecast upgrades from the Office for Budget Responsibility. The expected improvements in the UK’s growth rates handed the chancellor an extra £35bn in annual revenue. At Lloyds, it isn’t quite as straightforward as that. But the parallels are clear. A brighter economic outlook means lower expected losses on loans and lower impairments. In March this year, the bank’s “upside” estimates for if the economy recovered better than expected modelled 5.7 per cent growth in gross domestic product this year, 4.6 per cent next year and 1.4 per cent the year after that. Instead, the OBR numbers on Wednesday forecast a 6.5 per cent increase this year, 6 per cent next and 2.1 per cent in 2023. Had the economy not improved, Lloyds would be looking at another £411m in impairment charges for the year so far. Because of updated macroeconomic assumptions, it now expects releases of provisions for sour loans to outweigh new impairments this year. Even now Lloyds is more modest than the OBR in its estimates. That leaves plenty of potential for further releases. The bank also has Sunak and his stamp duty holiday to thank for the booming mortgage market. Even if it has softened more recently, inflation — possibly coupled with continued metropolitan flight — should help shore up house price growth and mortgage balances. Then there is the interest rate outlook. For that too, new chief executive Charlie Nunn is (figuratively) indebted to the politicians. Expectations that the Bank of England will raise interest rates have risen rapidly in recent weeks, thanks to the government’s willingness to tolerate inflation. Lloyds reckons a 0.25 percentage point rise will help net interest income by about £225m in the first year, £300m in the second year and £425m in year three, assuming half of the increase is passed on to savers — also a conservative assumption. Price in a 0.5 percentage point increase and the benefit rises to £425m in year one and £850m in year three. But being an economic proxy comes with its challenges. Nunn’s predecessor António Horta-Osório opted to diversify by expanding wealth management and insurance. More recently, Lloyds has announced it is moving into the private rental sector. Rising rates would ease the pressure to make other income sources pay, but long-term growth still depends on successful diversification. The UK economy is also still smaller than it was pre-pandemic, as is Lloyds’ market capitalisation. While Barclays’ share price has recovered to its December 2019 level and NatWest’s is nearly there, Lloyds’ is still roughly 20 per cent down — though that is partly a reflection of the problems the other banks started with and the progress they’ve made. Sunak chose to splash much of his extra cash on Wednesday. Nunn, by sticking to a policy that distributions of excess capital are not decided until after full-year results in February, has yet to do so. An anticipated £1bn buyback will still leave a considerable surplus. The question for Nunn is how much to send back to long-suffering shareholders, how much to hold back for investment and how much to splurge on new acquisitions.
arja: sabre6 , does it not occur to you that LLOY share price moves at a slower pace than an elderly snail ? So maybe you are the dummy for following it ! :)
nick100: RNS 10/28 06:00 Lloyds Banking Group LLOY 2021 Q3 Interim Management Statement BN 10/28 06:02 *LLOYDS 3Q IMPAIRMENT RELEASE GBP84M BN 10/28 06:01 *LLOYDS RETURN ON TANGIBLE EQUITY NOW EXPECTED TO BE OVER 10% BN 10/28 06:01 *LLOYDS IMPAIRMENT NOW EXPECTED TO BE NET CREDIT FOR YEAR BN 10/28 06:01 *LLOYDS SEES NET INTEREST MARGIN MODESTLY ABOVE 250 BP BN 10/28 06:00 *LLOYDS 3Q STATUTORY PRETAX PROFIT GBP2.03B, EST. GBP1.41B BN 10/28 06:00 *LLOYDS 3Q STATUTORY PRETAX PROFIT GBP2.03B, EST. GBP1.41B BN 10/28 06:00 *LLOYDS CET1 RATIO 17.2%, EST. 16.2% (2 EST.) BN 10/28 06:00 *LLOYDS 3Q NET INTEREST MARGIN 2.55%, EST. 2.53% BN 10/28 06:00 *LLOYDS 3Q NET INTEREST INCOME GBP2.85B, EST. GBP2.79B Lloyds 3Q Statutory Pretax Profit Beats Estimates 2021-10-28 06:04:30.620 GMT By Leonard Kehnscherper and Bloomberg Automation (Bloomberg) -- Lloyds reported statutory pretax profit for the third quarter that beat the average analyst estimate. THIRD QUARTER RESULTS * Statutory pretax profit GBP2.03 billion, estimate GBP1.41 billion (Bloomberg Consensus) * Underlying profit GBP2.19 billion, estimate GBP1.62 billion (3 estimates) * Net interest income GBP2.85 billion, estimate GBP2.79 billion * Net interest margin 2.55%, estimate 2.53% * Return on tangible equity +14.5% * Cost to Income Ratio 48.3% * Common equity Tier 1 ratio 17.2%, estimate 16.2% (2 estimates) COMMENTARY AND CONTEXT * Sees Net Interest Margin Modestly Above 250 BP * Impairment Now Expected to Be Net Credit for Year * Return on Tangible Equity Now Expected to Be Over 10% * 3Q Impairment Release GBP84M * Given our solid financial performance and the improved U.K. macroeconomic outlook, the Group is enhancing its guidance for 2021
richie1218: https://www.proactiveinvestors.co.uk/companies/news/963072/who-benefits-if-uk-interest-rates-rise-lloyds-banking-and-natwest-says-broker-963072.html Who benefits if UK interest rates rise? Lloyds Banking and NatWest says broker. Lloyds Banking Group and NatWest are likely to be big winners if interest rates start to go up, argues Credit Suisse. Reports this week have suggested a rate hike is even on the cards before the end of this year and that bodes well for the bottom line of the major UK lenders, says the broker. Worries over increasing mortgage competition have dampened share prices in the sector, but a turn upwards in the interest rate cycle will more than offset this it argues. Incorporating the latest mortgage rates and potential base rate hikes into its 2022-24 forecasts, Credit Suisse has increased its 2022 EPS estimates by up to 6%, 2023by up to 15% and 2024 by up to 22%, with Lloyds and Natwest the biggest beneficiaries. “UK economic re-opening is now well established. Lending volumes remain resilient. Costs are under control. Further write-backs appear increasingly likely. Capital return is back on the agenda,” added the bank. As a result, the Swiss broker is 'overweight' UK banks with its order of preference Lloyds LLOY (Buy) followed by NatWest (Buy); HSBC (Buy); Barclays (Neutral) Standard Chartered (Neutral); Virgin Money (Neutral).
freddie01: Lloyds plans £100bn personal pensions and retirement arm Terry Murden, Editor | October 10, 2021 Lloyds Banking Group intends to use its Scottish Widows and newly-acquired Embark brands to mount a major assault on the pensions and investments market. The bank, which has regained its confidence since the dark days of the 2007-09 financial crash, is eyeing a sector dominated by Hargreaves Lansdown, the UK’s biggest funds supermarket with £135.5 billion of assets. Antonio Lorenzo, Lloyds wealth and insurance chief, said the group wants to build its own version of the Hargreaves platform, which lets investors buy funds and shares inside Isas or self-invested personal pensions (Sipps). Mr Lorenzo told The Mail on Sunday: “We have only around 3% of the direct-to-consumer pensions and investments market. “Every year, more than £10 billion is moved from Lloyds to personal pension providers. Our ambition is that in three to five years, we want to grow to more than 10%.” Lloyds’ acquisition of online retirement website Embark Group is expected to close before the end of the year. It has assets of about £60bn and Lloyds want to take that north of £100bn. Apart from a significant foothold in workplace pensions through its Scottish Widows brand, the bank also ownss employee pension provider Zurich which it bought in 2017. In 2018 it switched a mandate from Standard Life Aberdeen to Blackrock and Schroders and later announced the formation of a joint venture with Schroders to offer advisory services to clients with more than £100,000 to invest. It also has a 19.9% stake in wealth manager Cazenove. Lloyds is now nearing the limit of its operations in some sectors before competition authorities may begin to intervene. It is already market leader in retail banking, including a 26% share of credit cards, 23% of current accounts and 19% of mortgages. However, its presence in the personal pension market is small and it has no offering in the execution-only investment space. Mr Lorenzo will use Embark’s technology to launch a ‘robo-adviser’ and to sell SIPPs. He wants to enable customers to more easily shift money from their current account or savings into investment and retirement products. The UK’s traditional banks face competition, not only from indigenous challengers, but from overseas. JP Morgan has acquired online wealth manager Nutmeg and recently announced it was launching new digital bank Chase in the UK. It will sell wealth management and retirement products. hTtps://dailybusinessgroup.co.uk/2021/10/lloyds-plans-personal-pensions-and-retirement-arm/
stonedyou: Lloyds Banking looks good value says Credit Suisse. The lender's current valuation is attractive for a stock where analysts expects positive earnings revisions. Lloyds Banking Group PLC (LSE:LLOY) shares are good value and have been unfairly tainted by worries over the health of the UK mortgage market, according to Credit Suisse. The absence of a buyback announcement with July's interim results has also weighed on the share price, but CS expects a £1bn buyback with the full year numbers while a third quarter update should reassure on the mortgage situation. That makes the relative weakness a buying opportunity says the Swiss bank, which has upped its forecast for earnings this year due to an expectation of reduced bad debt provisions with lower mortgage applications already priced in. Lloyds current valuation is attractive for a stock where CS expects positive underlying EPS (earnings per share) revisions. ‘Outperform’ is the investment rating with a 61p price target. https://www.proactiveinvestors.co.uk/companies/news/962245/lloyds-banking-looks-good-value-says-credit-suisse-962245.html
geckotheglorious: Top 5 UK stocks Lloyds (LON: LLOY) Consensus ratings from research teams were largely bullish on Lloyds, with 16 ‘buy’, eight ‘hold’, and two ‘sell’ recommendations. Their average target price for LLOY shares stood at 53.62 pence, Bloomberg data showed as of 05 October. JPMorgan rated LLOY ‘overweight’ with a 60p price target, saying the stock may offer the highest upside among UK banks on its forecasts. Despite a weakening mortgage market, the British financial institution’s top-line recovery remains on track, in JPMorgan’s view, driven by the yield curve and consumer recovery. One of the strategic challenges facing the lender and incumbents is the growth of new digital banks in the country with technology that also leverages open banking. ‘However, Lloyds retains a unique scale advantage over most other UK retail banks due to its leading market share,’ JPMorgan analysts said. They continued to see value in Lloyds’ branch network ‘as long as it is used effectively to service complex needs and offer advice, driving growth in fees and increased share in wealth and pensions’. Meanwhile, Bloomberg Intelligence (BI) wrote that the contribution of UK retail and corporate net-interest income ‘has been a source of pain for many years’ for Lloyds and its peers. This was exacerbated by the 2020 rate cuts. However, the ‘plunging credit-card balances, a spike in savings, and a net interest margin (NIM) slide look set to stabilise from 3Q’, BI said. The BI analysts added that the NIM decline may bottom out in late 2021 as Lloyds’ ‘improved guidance is now reflected in consensus, which has improved 4 to 5 basis points since July’. hTTps://www.ig.com/uk/news-and-trade-ideas/top-5-uk-stocks-to-watch-in-october-2021-211006
Lloyds Banking share price data is direct from the London Stock Exchange
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