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
  0.72 2.42% 30.455 260,712,791 16:35:14
Bid Price Offer Price High Price Low Price Open Price
30.335 30.355 30.435 29.25 29.475
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
Banks 42,356.00 4,393.00 3.50 8.7 21,561
Last Trade Time Trade Type Trade Size Trade Price Currency
18:07:38 O 72,673 30.46 GBX

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12/7/202023:28Black Beauty: A Recovering Quadruped309,815
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30/6/202017:11Lloyds Bank (MODERATED)19
07/6/202023:52SPARTAN ATTACK formerly SentimentalRules 1

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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 29.74p.
Lloyds Banking Group Plc has a 4 week average price of 29.25p and a 12 week average price of 27.12p.
The 1 year high share price is 69.99p while the 1 year low share price is currently 27.12p.
There are currently 70,797,102,620 shares in issue and the average daily traded volume is 173,787,403 shares. The market capitalisation of Lloyds Banking Group Plc is £21,561,257,602.92.
davius: Some waffle from II: Despite lockdown easing, Lloyds Banking Group's (LSE:LLOY) share price continues to 'antisocially distance' itself from investors and traders, carefully walking a path of movement which accomplishes nothing. Circled on the chart is absolutely nothing, an area which shall hopefully provide a reason to discuss price moves. We've little doubt the market is watching the blue line on the chart, presently suggesting the price needs to exceed roughly 34.582p to suggest a "breakout", screaming of good times ahead. Or at least, some price recovery. This blue line declines at a rate of 0.17p per day, which hints it may be another 19 days before blue becomes an issue in the highly unlikely event that the share price remains at its present 31.205p. Working on the basis that most sane folk skipped the preceding paragraph, what do we think is coming? It will not surprise us in the slightest if the market finds a reason to "gap" the share price above this downtrend anytime soon, ideally into the circled area of the chart. This will carry a subliminal implication we are watching the start of some price recovery, presumably unless the famed Covid-19 second wave appears. As a result, moves above 'blue' shall be regarded as triggering recovery to an initial 42p with secondary, if bettered, still at 48p. There's even the hope that drooling optimism could propel the share price even higher, potentially to 58p where some hesitation becomes almost certain. Lloyds' share price requires a break of the red line on the chart, currently at 27.5p, to suggest reason for real concern as a drift down to 24p with secondary 18p remains possible.
freddie01: Britain's unluckiest bank boss? Brexit and coronavirus hammered Lloyds shares - but analysts believe Horta-Osorio turned the 'basket case' around Horta-Osorio, who has been in the top job at Lloyds since March 2011 Highly-paid long-term boss has helped steer bank through turbulence But, share price performance remains poor and dividends are on hold Antonio Horta-Osorio, the boss of Lloyds Banking Group, is stepping down from his role as chief executive at the lender by June next year. Horta-Osorio, who has been in the top job at Lloyds since March 2011, said his decision to quit the bank had left him feeling 'mixed emotions.' He has overseen the bank through some torrid times, including the lender’s transition back into private hands after its £21billion state bailout during the global financial crash, the HBOS fraud debacle, the Brexit vote and now, Covid-19. Yet, Lloyds' FTSE-100 listed shares are trading at barely half where they were when he took the job in the aftermath of the financial crisis that had seen an arranged marriage between Lloyds and Halifax and the bank's value hammered. Despite the shares slump in recent years, many City insiders believe Horta-Osorio can bask in the knowledge that he oversaw Lloyds' return to a profit and the creation of a leaner, more cost-effective bank, which also included the spin-off of TSB. And that during a period of rock-bottom interest rates and the persisatent burden of the PPI scandal. Russ Mould, investment director at AJ Bell, thinks Horta-Osorio will be looking for a 'grandstand finish', including potentially a return to dividend payouts for shareholders before his tenure ends. Lloyds, together with other big-name banks including Barclays, HSBC and RBS, suspended dividend payments for the entirety of this year at the Bank of Englan's request in March. Shares in Lloyds have dropped around 50 per cent so far this year, while HSBC and Barclays have fallen by around 35 per cent respectively. Meanwhile, shares in RBS, which is majority state-owned, have also fallen by around half this year, wiping £15billion off its market capitalisation. Today, Lloyds' share price is currently up just over 1 per cent to 31.34p, while in May 2017 when the Government finally offloaded its remaining stake in Lloyds meaning it returned fully to private hands, it was over the 70p mark. Further back in May 2015, the shares were trading closer to the 90p mark and in 2008 before the crash, stood not far below 300p. Russ Mould thinks Lloyds' dismal share price price performance over the last few years cannot all be laid squarely at the management team's door. Mould said: 'The UK's modest economic growth record in the wake of the financial crisis has not helped and the bank has also been hampered by record-low interest rates and Quantitative Easing programmes. 'While they have been designed by the Bank of England to stimulate borrowing and growth, they have made it harder for Lloyds to make a risk-adjusted return on its loan book, and net interest margins have been consistently under pressure. 'The regulatory call to cancel dividend payments in calendar 2020 also kicked away a big part of the investment case for Lloyds' shares as the pandemic began to make its presence felt.' Other analysts agree that Horta-Osorio's tenure has been largely dominated and steered by external events beyond his control. Nicolas Ziegelasch, an analyst at Killik & Co, said: 'Since joining the bank in 2011, António Horta-Osório has presided over a challenging period for Lloyds, which included a sluggish UK economy, low interest rates, and significant PPI costs. 'Whilst the macroeconomic impact of Brexit and COVID-19 may persist in the medium term, looking further out we continue to like Lloyds as a leader in UK banking that can generate excess capital over time.' Meanwhile, Michael Hewson, chief analyst at CMC Markets UK, said Horta-Osorio had managed to steer the lender from being a 'virtual basket case' after it was forced to swallow HBOS in 2008 to a 'strong and stable performer, whose share price performance over the past ten years, doesn’t do justice to the job done.' Analysts at Goodbody UK said: 'Despite the multiple external headwinds that the bank has faced during Horta-Osorio’s tenure, he has delivered a successful strategy overhaul as well as substantive transformation from an organisational efficiency perspective. 'While he will be sorely missed, it is not surprising that he is planning to move on after what will be 10 years at the helm come 2021. Indeed, speculation about where he will land next (he is just 56 years of age) will surely include the potential Santander role – as well as Unicredit were Jean-Pierre Mustier to leave for pastures new at some stage.' In 2018, Lloyds reported record profits of £5.3billion, and while 2019 was disappointing largely due to PPI provisions, the bank has managed to return to some semblance of health, shake off the dead hand of government support, and a final PPI bill of over £20billion. In April this year, Lloyds reported a 95 per cent drop in first quarter profits as it counts the cost of the pandemic to the economy. hTTps://
stonedyou: Is the Lloyds share price undervalued? Could the Lloyds Banking Group PLC (LON:LLOY) (LLOY.L) share price deliver improving performance from its current level? The Lloyds Banking Group PLC (LON:LLOY) (LLOY.L) share price has so far failed to deliver improved performance as the FTSE 100 (INDEXFTSE:UKX) has made gains in the past couple of months. For instance, the bank’s shares are 5% down over the past three months. The index has risen 10% in that time. I think that Lloyds and other banks face a difficult set of circumstances. The UK economy is likely to experience a challenging period in my view that could weaken profitability across the industry.
freddie01: Is the Lloyds share price undervalued? Could the Lloyds Banking Group PLC (LON:LLOY) (LLOY.L) share price deliver improving performance from its current level? The Lloyds Banking Group PLC (LON:LLOY) (LLOY.L) share price has so far failed to deliver improved performance as the FTSE 100 (INDEXFTSE:UKX) has made gains in the past couple of months. For instance, the bank’s shares are 5% down over the past three months. The index has risen 10% in that time. I think that Lloyds and other banks face a difficult set of circumstances. The UK economy is likely to experience a challenging period in my view that could weaken profitability across the industry. As well as the prospect of payment defaults and lower demand for new loans, historic low interest rates may be required for some time to provide the economy with a boost. That’s not just because of the potential impact of coronavirus, but also due to the end of the Brexit transition period now being around six months away. As a UK-focused bank, Lloyds’ share price could be hurt more than its peers by Brexit in my view. However, I feel that this is a known risk, and may have been priced in to some extent. In terms of investor sentiment, a lack of dividends and a difficult economic outlook mean that it’s difficult to find an obvious catalyst for the stock in the short run. I do think that Lloyds has made better progress than most UK banks in cutting costs and embracing a digital economy. This requires large investment, which the company seems to be capable of making due in part to the work it has done in becoming more efficient. Therefore, over the long run I’m optimistic about its potential to produce improving share price performance. It will require an improving economic performance to achieve this, to my mind. Or, at least the prospect of an improving outlook for the banking sector. How long this will take is unknown, and in the meantime I’m not expecting a fast recovery for the Lloyds share price. Though, over the long run I feel it is could offer good value for money at the moment versus its peers and the FTSE 100. hTTps://
morrisseysteve: @re1dy You're not wrong there. Utterly bonkers on here. And NOTHING has been more injurious to the LLOY share price than Brexit, from the day the result of the referendum was declared this has been in the toilet. You might think it's a great thing for the country, leaving the EU, but it's clearly not a great thing for Lloyd's Bank. Quite why the likes of xxxxxy are hanging around on here like a bad smell utterly mystifies me
xtrmntr: The Lloyds (LSE: LLOY) share price showed little inclination to join in the FTSE 100 rally through April and May. However, that changed last week. It soared 19%, flying far ahead of the Footsie's 6.7% rise.Closing on Friday at 35.55p, and with further gains to 37.5p today (as I write), could the big recovery finally be underway for the much-battered Lloyds share price?Buy low and sell highFor stocks in highly cyclical sectors, such as banking, I believe a value-investing approach is the way to go. That's to say, buy low and sell high. As opposed to buy and hold forever. If you look at a multi-decade chart of the Lloyds share price, you'll see how a long-term, buy-and-hold strategy hasn't done investors any favours.Furthermore, many get sucked into buying cyclical stocks at the worst possible time. Namely, when profits are booming, price-to-earnings (P/E) ratios are low, and dividend yields are generous. This was the profile of Lloyds in recent years.Some of us at the Motley Fool - admittedly a minority - were bearish on the Black Horse. They cautioned readers that, in the case of cyclical stocks, high profits, low P/Es and big dividends are very much not indicators of an unmissable bargain with a wide margin of safety. It may seem counter-intuitive, but the best - and safest - time to buy cyclicals is when profits are crushed, P/Es are high, and dividends often slashed or suspended.At such times, you can pick up shares at low prices and, subsequently, sell high in the cyclical recovery.Positive indicators for the Lloyds share priceOne of my fellow Motley Bears on Lloyds, Kevin Godbold, judged last week that the time has come to make the value play on the Black Horse. Noting that "the valuation indicators have lined up," Kevin pointed to:A massive profit fall forecast for 2020A forward P/E of almost 19 (versus the single-digit P/E of recent years)A price-to-tangible net asset value (P/TNAV) of just below 0.5 (another good indicator of cyclical-bottom value)An encouraging "consolidation on the share price chart"I agree with Kevin that Lloyds' valuation indicators look far more promising today than they have for the last few years. I don't do the share-price-chart stuff myself, but I'd add the suspension of Lloyds' dividend (0% yield) to the list of positive indicators.Am I keen on the Lloyds share price?Alongside the positive indicators, Kevin is encouraged by the situation on the ground. He's optimistic about Covid-19 fading quickly, the lifting of restrictions on businesses and consumers, and an earnings recovery for many companies in 2021.He may have timed the cyclical value play perfectly. However, I'm less sanguine on the outlook for the V-shaped recovery the market seems to be increasingly pricing. Even if we don't see a second wave of the virus, I think there's a high risk things could get a lot worse for the economy, and Lloyds' business and share price.Lloyds' last reported TNAV was 57.4p per share. With the shares currently at 37p, the P/TNAV is 0.65. I'd want a much bigger discount than this to encourage me to play the cyclical recovery card.As such, I'm continuing to avoid Lloyds at this stage. But I'd be very interested should we get a P/TNAV down to around 0.35 - meaning a share price of around 20p.As it is, I think there are more promising stocks in the market.
m4rtinu: Skinny - thanks for link. Another view on the Lloy share price from the aptly named Motley Fool, which anyone of us could have written. (Well, Ok, not me but most of you :) hTTps:// Chavi - ex div for the final of 2.25 on 16/4 is correct. So to get that divi you must not sell before then.
xtrmntr: From Motley Fool.Where will the Lloyds share price be in 5 years?Any successful investor looks beyond short-term stock fluctuations and focuses more on the longer term. When I refer to the longer term in this sense, I am speaking of five years or more.The reasoning behind this mindset is that stocks may be priced away from their fair value in the short term. This can be due to market sentiment, when fear or excitement lead investors to overlook the fundamental value of a company.From this in mind, when we look at the Lloyds Banking Group (LSE: LLOY) share price, what can we say about its longer-term fair value? Where might the share price be in five years?Things we knowLet us take a look at the things we know today that we can use to make reasonable conclusions about the share price in the future.The bank has been cutting down on costs and shifting strategy over the past few years, moving with the times regarding online and mobile banking. In 2020, another 56 branches within the banking group are set to close, taking the total to over 200 closures since 2014. The bank also recently announced a partnership with Microsoft as part of a 'digital transformation strategy' focusing on new cloud-based desktops, which should have a knock on impact for customers.The bottom line as I see it that Lloyds is clearly well positioned for the changing banking environment. This makes me think that if the business is positioned well, the profitability will come naturally, which will have a positive impact on the share price. Things we don't knowWhen trying to forecast any reasonable period into the future we need to allow for external factors that will influence the share price and that are outside the control of the business itself. We call this systemic risk.For Lloyds, arguably the largest systemic factor for the next five years will be the impact of Brexit. The government has until the end of this year to negotiate a trade deal with the EU and other nations, and financial passporting rights will be something of key interest for banks in the UK. Added to this is general sentiment from the public regarding Brexit, and as Lloyds is a retail-focused bank, its share price will be a barometer for this sentiment.Putting this all together, I think that the digital strategy implementation will set up the share price for gains over the next five years. While we do not know what will happen with Brexit negotiations, the fact that there is now a majority party in power at Westminster should make the stalemate we saw for much of 2019 less of a problem going forward. I see no reason why in five years the share price cannot be trading around 90p, the levels last seen in 2015. A top stock with enormous growth potentialSavvy investors like you won't want to miss out on this timely opportunity...Here's your chance to discover exactly what has got our Motley Fool UK analyst all fired up about this 'pure-play' online business.Not only does this company enjoy a dominant market-leading position...But its capital-light, highly scalable business model has been helping it deliver consistently high sales, astounding near-70% margins, and rising shareholder returns ... in fact, in 2019 alone it returned a whopping £151.1m to shareholders in dividends and buybacks!And here's the really exciting part...We think now could be the perfect time for you to start building your own stake in this exceptional business-especially given the two potentially lucrative expansion opportunities on the horizon that our analyst has highlighted.
xtrmntr: From Motley Fool.Over five years, the share price of Lloyds Banking Group (LSE: LLOY) has fallen by 24%. Yet there's much to like about the bank, from its dividend yield and potential for growth, to its sector-leading cost control and its evolving business model.Opportunities for growthOne of the big attractions of the shares has to be the dividend yield, which has leapt to 5.6% since the bank reintroduced paying a dividend in 2014. Dividend growth has tended to be consistent and with earnings greater than the dividend payout, there's room for it to keep on growing in the years to come.Its move into wealth management in a link with Schroders is also a possible catalyst for the struggling share price. That business has only recently been launched so there's plenty of opportunity for it to make an impact in future financial results, which could boost the share price.Lloyds owns a majority of the venture and the pricing structure has been designed to undercut rivals – a sign that Lloyds and Schroders may be seeking to take a large market share. Other banks are also moving into the space, showing just how attractive and profitable wealth management is as a business.What makes Lloyds greatFrom any investor's point of view, a tight control on costs is a good thing. While HSBC and some other FTSE 100 businesses are often seen to be unwieldy, Lloyds, on the other hand, has a tight grip on its expense account.The cost/income ratio, is under 46% (compared to nearly 48% previously), which is sector-beating and extremely healthy. By closing branches, as it has been doing for years, and becoming increasingly digital, Lloyds can move to reduce costs even further and reward shareholders with higher profits and potentially share buybacks or special dividends.Factors outside of its controlThe external environment also seems to be improving for Lloyds. For now, there's a little more certainty around Brexit in the UK. And the deadline for PPI has now passed, meaning PPI provisions in future financial results should disappear.The UK economy – which Lloyds is very much tied to – is doing better. Figures out just last week showed the dominant services sector of the economy grew, and by more than was expected. It reached its highest rate since September 2018.Lloyds is looking in good shape, but the share price isn't reflecting this. I think this is because of an ongoing fear about Lloyds' reliance on the UK economy and the ongoing questions around Brexit. But the signs are that the economy is improving and analysts at Jefferies International think the shares can reach 78p – a near 37% increase from where they are now. As long as there are no nasty Brexit shocks, I think the Lloyds share price could smash the FTSE 100 this year because it has plenty going for it.A top income share with a juicy 5% forecast dividend yieldIncome-seeking investors like you won't want to miss out on this timely opportunity...Here's your chance to discover exactly what has got our Motley Fool UK analyst all fired up about this out-of-favour business that's throwing off gobs of cash!But here's the really exciting part...Our analyst is predicting there's potential for this company's market value to soar by at least 50% over the next few years...He even anticipates that the dividend could grow nicely too - as this much-loved household brand continues to rapidly expand its online business - and reinvent itself for the digital age.With shares still changing hands at what he believes is an undemanding valuation, now could be the ideal time for patient, income-seeking investors to start building a long-term holding.
jordaggy: City Index... Last-minute PPI sting won’t be fatal for pay-out plans As it was for Lloyds Banking Group’s main rivals, the tail of the PPI saga had a sharper sting than expected. Charges related to remediation costs for the two-decade long insurance mis-selling issue amounted to £1.80bn in Q3, against £1.67bn expected by analysts. The harsher than forecast hit partly reflects a last-minute gush of compensation claims that brought Lloyds' buyback plans to an abrupt halt in September. The group is arguably the best-defended and best-positioned bank focused on the UK for revenues. Yet it is just as hemmed in by economic challenges as peers. Consequently, substantially accelerated growth remains a distant goal. Shareholders have thereby been more focused on capital growth and prospective returns to assess their investment in recent years. So even the hint of a risk to expected higher dividends and share buybacks can be a big deal, particularly with PPI impact also consuming profit targets for the year. (The trading statement didn’t update the bank’s view on its Return on Tangible Equity goal for 2019). Still, such concerns have been reflected in contained fashion by share price moves in Lloyds (LON:LLOY) stock on Thursday. It retreated by somewhat less than 3% at worst and curbed the loss to about 2% by late morning. Despite Q3 upsets, the buffer of capital Lloyds is obliged to hold as a ratio of total assets improved by a satisfactory extent in Q3. Common Equity Tier 1 Capital stood at 13.5% by quarter end, “in line with the board’s target”. As such, management emits no change to dividend plans and “will give due consideration to the return of any surplus capital at the year end.” Meanwhile, “never say never”, the advice on PPI offered by Lloyds’ previous CEO, remains wise, though post-deadline, claim volumes will continue to decline. Q3 2019 is yet another quarter Lloyds (LON:LLOY) investors would prefer to forget and that’s reflected in a ten percentage-point share price drop over the last ten days. Still, a firm net interest margin emerged as one of the few high points of the quarter at 2.88% vs. 2.87% expected. Cost control also remained in hand. Lloyds is not compounding past mistakes with new missteps. Chart points Over-arching pressure on the shares that could erode more of LLOY’s remaining 9% rise this year should continue, according to technical analysis. The decline since May 2015 is now well established: see the well-corroborated falling trend line since then that was last tagged in mid-October. The 200-week moving average reinforces trend line resistance given that mid-October also featured another failed attempt to get above the 200-WMA, the latest of many rejections in recent years. So long as overhead structures remain intact, objectives will continue to point towards December 2018’s base at 49.53p, and 2019’s 48.2p low from August. These floors are in within reasonable range of June 2016’s post-referendum lows as deep as 46p. Lloyds Banking Group PLC (LON:LLOY). CFD – Weekly
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