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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
|
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|---|---|---|---|---|---|
| -0.68 | -0.90% | 74.88 | 81,518,656 | 16:35:29 |
| Bid Price | Offer Price | High Price | Low Price | Open Price | |
|---|---|---|---|---|---|
| 75.20 | 75.24 | 75.88 | 74.74 | 75.12 | |
| Industry Sector | Turnover | Profit | EPS - Basic | PE Ratio | Market Cap |
|---|---|---|---|---|---|
| Commercial Banks, Nec | 18B | 4.42B | 0.0734 | 10.25 | 45.52B |
| Last Trade Time | Trade Type | Trade Size | Trade Price | Currency |
|---|---|---|---|---|
| 16:35:30 | O | 6,614 | 47.695 | GBX |
| Date | Time | Source | Headline |
|---|---|---|---|
| 23/6/2025 | 17:51 | UK RNS | Lloyds Banking Group PLC Transaction in Own Shares |
| 23/6/2025 | 15:30 | UK RNS | Lloyds Banking Group PLC Director/PDMR Shareholding |
| 20/6/2025 | 18:10 | UK RNS | Lloyds Banking Group PLC Transaction in Own Shares |
| 19/6/2025 | 17:34 | UK RNS | Lloyds Banking Group PLC Transaction in Own Shares |
| 18/6/2025 | 17:31 | UK RNS | Lloyds Banking Group PLC Transaction in Own Shares |
| 18/6/2025 | 15:21 | UK RNS | Lloyds Banking Group PLC Director/PDMR Shareholding |
| 17/6/2025 | 17:50 | UK RNS | Lloyds Banking Group PLC Transaction in Own Shares |
| 17/6/2025 | 13:02 | ALNC |  IN THE KNOW: JPMorgan prefers Barclays, NatWest to Lloyds in UK banks |
| 17/6/2025 | 09:38 | ALNC | Sabadell weighing expressions of interest in UK banking business, TSB |
| 16/6/2025 | 17:33 | UK RNS | Lloyds Banking Group PLC Transaction in Own Shares |
Lloyds Banking (LLOY) Share Charts1 Year Lloyds Banking Chart |
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1 Month Lloyds Banking Chart |
Intraday Lloyds Banking Chart |
| Date | Time | Title | Posts |
|---|---|---|---|
| 23/6/2025 | 21:46 | Black Beauty: A Recovering Quadruped | 402,185 |
| 23/6/2025 | 17:59 | Lloyds Bank (LLOY) 'On Topic only' - Thread | 35,861 |
| 21/6/2025 | 09:50 | Lloyds Bank (MODERATED) | 2,651 |
| 20/2/2025 | 09:45 | Lloyds Bank PLC, chat and charts | 122 |
| 29/1/2025 | 02:26 | HALIFAX SHARE DEALING | 83 |
| Trade Time | Trade Price | Trade Size | Trade Value | Trade Type |
|---|---|---|---|---|
| 2025-06-23 17:20:24 | 47.70 | 6,614 | 3,154.55 | O |
| 2025-06-23 17:20:24 | 47.37 | 7,989 | 3,783.99 | O |
| 2025-06-23 17:20:22 | 45.48 | 8,192 | 3,725.31 | O |
| 2025-06-23 17:20:20 | 46.69 | 5,939 | 2,772.62 | O |
| 2025-06-23 17:20:20 | 43.85 | 36 | 15.79 | O |
| Top Posts |
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Posted at 23/6/2025 09:20 by Lloyds Banking Daily Update Lloyds Banking Group Plc is listed in the Commercial Banks, Nec sector of the London Stock Exchange with ticker LLOY. The last closing price for Lloyds Banking was 75.56p.Lloyds Banking currently has 60,241,067,057 shares in issue. The market capitalisation of Lloyds Banking is £45,301,282,427. Lloyds Banking has a price to earnings ratio (PE ratio) of 10.25. This morning LLOY shares opened at 75.12p |
Posted at 05/6/2025 18:04 by hardup1 After 71 trading days, buyback complete to date:Total shares to date................ Aggregate cost to date................ Average price paid to date................ Percentage of £1.7 billion buyback completed......35.57 Strange that with the share price today being the lowest it has been for the last 9 days that only 1.79 million shares were bought, yet the preceding 8 days when the share price was higher on all 8 days, over 12 million shares were bought each day? |
Posted at 01/6/2025 08:02 by freddie01 Lloyds Rolls Out AI-Powered In-App Travel Booking With ‘Best Price Guarantee’ in UK-FirstLloyds Bank has launched a new in-app service, dubbed ‘Lloyds Travel Booking’, enabling customers to book holidays directly through its banking app. Powered by travel technology platform Hopper, the new Lloyds travel offering will enable its customers to book flights and accommodation worldwide, using Hopper’s AI-driven platform, which offers a range of features for holidaymakers. Once booked, customers will also be able to keep track of their trips directly in the Lloyds app. “UK spending data shows just under a tenth of household spending goes on travel, so we understand it’s a big part of our customers’ lives,” explained Tamara van den Ban, managing director, customer propositions at Lloyds Bank. “We knew we wanted to make it easier for our customers to organise their trips from beginning to end, and bringing Lloyds Travel Booking to the app is a great solution. “Working with Hopper, we’re the first UK bank to offer our customers unparalleled convenience, value and peace of mind when planning their travels, all of which can be managed in the palm of their hand, through our mobile app.” Lloyds’ new offering also boasts a ‘best price guarantee’, which means that if a customer finds a better price within 24 hours of booking, Lloyds Travel will match the price. It also provides data-driven recommendations on the optimal time to book flights – or wait – to try and ensure the best price. Once the flights are booked, Lloyds’ service monitors flight bookings for 10 days and promises to credit customers if the price drops after booking. “Modern financial institutions are looking for ways to deepen engagement,” added Dakota Smith, president and co-founder of Hopper. “End-to-end travel portals from Hopper Technology Solutions help partners broaden their product offerings. We are thrilled to partner with Lloyds to bring an enhanced travel booking experience to consumers in the UK.” |
Posted at 20/5/2025 15:51 by marktime1231 There is political and regulatory will to limit the compensation, but that is not how the law works. Faced with this risk it does not make sense that LLOY share price is so frothy. One explanation is that we are seeing the impact of foreign money moving in to relatively benign UK equities which do not have exposure to global turbulence. |
Posted at 03/5/2025 08:22 by freddie01 Can Lloyds share price surge to 100p after its earnings?Lloyds Bank stock price rose after the recent financial results. The company published strong financial results on Thursday. It has formed an inverse head and shoulders pattern. Lloyds share price is hovering at its highest level in over 17 years as the British bank’s performance continues doing well. It was trading at 72p on Thursday after publishing its first-quarter results, which revealed that its lending performed well despite signs of weakening in the economy. Lloyds Bank had a strong first quarter The UK’s economic growth has largely stalled over the past few years, as it continues to lack a clear catalyst and high interest rates take their toll. It is estimated that the economy grew by just 0.3% in the first quarter, helped by the services sector. Lloyds Bank is often seen as a good barometer for the British economy as it is the biggest lender in the country. It serves over 26 million customers and thousands of businesses across the country. The financial results published on Thursday showed that its net interest income rose by 3% to £3.29 billion. This increase happened as UK interest rates remained high and as homebuyers rushed to beat a stamp duty increase. It let out to 20,000 first-time buyers, higher than what it did in a while. This pushed its loans and advances to customers rose by 6% to £466.2 billion. The other income rose by 8% to £1.45 billion. This resulted in a net income of £4.3 billion, representing a 4% annualized increase. Its underlying profit was £1.53 billion, while the statutory after tax profit dropped by 7% to £1.3 billion. LLOY reports a big impairment charge The net profit narrowed because the company took and impairment charge of £309 million, higher than what analysts were expecting. On the positive side, the company did not bring any charges related to its motor insurance crisis this time. In a statement, the CEO said: “Our differentiated business model stands out in the context of recent market volatility and economic uncertainty and helps support UK households and businesses as they further strengthen their financial resilience.” Lloyds Bank hopes to have a net interest income of £13.5 billion this year and a Return on Tangible Equity (RoTE) of 13.5%. It hopes to continue growing its RoTE to over 15% next year. Lloyds Bank has a dividend yield of 4.02%, higher than the average one of the FTSE 100 Index. This explains why many investors, especially those focused on income, have piled into Lloyds. In fact, it is the most held stock in the UK with over 2.7 million shareholders. The company hopes to continue paying its dividends and repurchasing its stock this year as it works towards reducing its CET-1 ratio from 13.5% to 13%. Lloyds share price analysis The daily chart shows that the Lloyds share price has been in a steady increase in the past few weeks. It initially crashed to a low of 58.72p as the tariff crisis escalated. This was in line with our previous LLOY forecast. It then rebounded swiftly and now sits at 72p. The stock has formed an inverse head-and-shoulders pattern, a popular bullish continuation sign. Its neckline is slanted and is at around 74p. It also remains above the 50-day and 100-day moving averages. Therefore, the inverse H&S pattern points to a strong bullish rally in the next few months. The initial target will be at the psychological point at 80p, with the most extreme situation being a surge to 100p. That would mean a 40% surge from the current level. |
Posted at 26/4/2025 07:21 by freddie01 Lloyds Banking Group: Quarterlies in the offing; is now the time to buy?As Lloyds Banking Group PLC (LSE:LLOY) readies its first quarter results, the share price, hovering around 73p, has prompted fresh debate: is this a buying opportunity, or should investors await the actual figures? To decide, it helps to understand Lloyd’s key metrics, the forces at play and the risks ahead. On a forward price-to-earnings (P/E) ratio of 6.4×, Lloyds appears cheap relative to many UK banks trading closer to 8–10×. In essence, the market is valuing each £1 of anticipated profit at just £6.40, suggesting scepticism over future performance but also signalling potential upside should Lloyds exceed forecasts. That forecast consensus sits at approximately 9 pence of earnings per share for 2025—an estimate that, if beaten, could catalyse a share-price rebound. Chunky yield Equally compelling is the c. 5 % dividend yield. In an environment where many cash alternatives yield below 1 %, Lloyds’ distribution offers a significant premium, assuming management maintains payout guidance against a backdrop of regulatory scrutiny. Behind these headline ratios, Lloyds reported full-year revenue of about £24.2 billion and net profit of £6.7 billion in 2024, translating into a return on equity north of 21 %. Tangible book value per share, Lloyds’ net assets excluding goodwill, stands at roughly 42p, placing the stock at 0.64× tangible book. Such a discount to net asset backing reflects lingering concerns over legacy provisions, including the c. £1 billion set aside for a motor-finance commission probe. These one-off charges, while dilutive to headline profits, serve to clear historical liabilities and could reduce the risk of future shock provisions. Interest-rate tailwinds remain a core strength. With Bank of England base rates at multi-year highs, Lloyds’ net interest margin, the gap between lending and deposit rates, has expanded, contributing to management’s guidance for a further £0.7 billion boost in net interest income in full-year 2025. Rate squeeze Yet any reversal in rates, or an economic downturn that raises bad-debt provisions, would swiftly test this advantage. Fee income, by contrast, has been largely static. Without meaningful growth in card or lending fees, Lloyds remains heavily reliant on net interest income, making it sensitive to any margin pressures. Moreover, potential capital requirements or fines imposed by UK regulators could limit dividend flexibility and dent sentiment. For investors comfortable with UK-bank risk and seeking attractive yield, initiating a modest position ahead of Q1 may be prudent. Should Lloyds surpass the consensus forecasts, the combination of valuation rerating and dividend income could deliver total returns in excess of 10%. Conversely, those prioritising capital preservation might prefer to wait for the Q1 announcement, particularly if management issues cautious guidance or additional provisions. In short, Lloyds’ current valuation and income profile make it a compelling candidate for yield-oriented portfolios, provided one can stomach pre-announcement volatility. Risk aversion For the risk-averse or growth-focused, the clarity delivered by the upcoming results may offer a more opportune entry point. Whichever path you choose, understanding these metrics and scenarios will ensure your decision is grounded in the bank’s fundamental outlook rather than market noise. The Q1 results are on May 1 with analysts expecting Lloyds to deliver net interest income of £3.26 billion, in line with the same period last year. |
Posted at 25/4/2025 08:19 by freddie01 Lloyds share price outlook ahead of earnings: buy, sell, hold?Lloyds Bank stock price has jumped to its highest level since 2008. The company's business is doing well as the momentum gains steam. Technical analysis suggests that the stock has more gains ahead. Lloyds share price has continued rising this year, and is now hovering at its highest level since 2008. It jumped to a high of 72.65p, up by over 85% from its lowest level this year, giving it a market cap of over $54 billion, making it one of the biggest banks globally. This article provides a Lloyds stock forecast ahead of earnings. Lloyds share price analysis The monthly chart shows that the LLOY stock price has staged a strong comeback, rising from a low of 9.9 in 2009 to the current 72.65p. It has moved above the important resistance level at 59.20p, the highest swing in 2015 and December 2019. This price is the upper side of the ascending triangle pattern, a highly popular bullish sign. The Lloyds share price is hovering near the 38.2% Fibonacci Retracement level at 77.2p. Also, the two lines of the MACD indicator have moved above the zero line, while the Relative Strength Index (RSI) has moved above the overbought level. The Average Directional Index (ADX) has risen to 36, indicating that it is gaining momentum. Therefore, the stock will likely continue soaring as bulls target the next key resistance level to watch being at 76p, the 50% Fibonacci Retracement level. A move above that level will signal more gains, up to the 61.8% retracement point at 98.9p, up by 35% above the current level. A drop below the key support at 59.20p will invalidate the bullish outlook. Lloyds Bank earnings ahead The next important catalyst for the stock is its upcoming earnings, which will provide more insight into its business. The most recent financial results showed that its statutory profit after tax dropped to £4.5 billion in 2024. This decline happened after the company added more provisions to its motor insurance liability. It added £700 million in the fourth quarter, bringing the total provisions to £1.2 billion. The consensus estimate by analysts is that Lloyds net interest income rose to £3.25 billion in the last quarter. Its other income rose to £1.45 billion, bringing its net income for the quarter to £4.38 billion. Analysts also anticipate that the company will increase its impairment charge to £239 million. Also, they expect that the profit for the period are £1.12 billion. Lloyds share price has also done well because of its dividends and buybacks. It has boosted these payouts as it seeks to lower its risk-weighted provisions. Its CET1 ratio is expected to drop to 3.0% in the next financial year. The other potential catalyst for the Lloyds share price will be the upcoming Bank of England (BoE) interest rate decision. Economists expect the central bank to cut interest rates in its upcoming meetings. Lower interest rates affect banks’ earnings by slashing their net interest income. Lloyds stock price has also jumped in line with other European banks. For example, Barclays shares jumped to 300p, up from 120p last year. Other banks like HSBC, NatWest, Deutsche Bank, and Unicredit have all surged. hxxps://invezz.com/n |
Posted at 11/4/2025 11:16 by freddie01 How much £10,000 invested in Lloyds shares is forecast to be worth in 12 monthsLloyds (LSE: LLOY) shares have had a turbulent time lately, along with almost every other FTSE 100 stock. But over the last year, the journey hasn’t been too shabby. Despite plunging 11% in the last week, Lloyds is still sitting on a 22% gain over 12 months. Add in a dividend yield of around 4.75%, and investors who’ve held on have enjoyed a total return approaching 27%. Not bad at all, especially given the chaos out there. Is this FTSE 100 stock a buy? Global trade worries and political tensions have knocked Lloyds back, just as it was hitting its stride. Markets welcomed its full-year results published on 20 February, choosing to look past concerns over the motor finance mis-selling scandal, and focus on the board’s hefty £1.7bn share buyback programme, a sure sign of confidence. The numbers weren’t perfect, though. Annual profits dropped 20%. Net interest margins, the difference between what Lloyds pay savers and charges borrowers, and a key profitability metric, dipped 16 basis points to 2.95% as interest rates started to ease. That’s something to watch, especially if the Bank of England cuts rates faster than expected in response to recent economic turbulence. Some are now predicting four quarter-point rate cuts this year, while they were previously predicting just two. On the other hand, lower interest rates might lift mortgage demand, boosting demand for Lloyds as the UK’s number one lender via subsidiary Halifax. Lloyds also set aside £700m more for potential motor finance compensation, pushing the total provision towards £1.15bn. There’s still a lot of uncertainty over how that will play out, with a key court ruling due this month. As a mainly UK-focused bank, it won’t be directly hit by tariffs, but if the UK economy slows, people may borrow less, struggle to make repayments and draw down their savings. All of which puts pressure on banks like Lloyds. Still, there are reasons for cautious optimism. The 17 analysts who’ve crunched the numbers think Lloyds shares could be worth just under 79p in 12 months’ time. Growth, dividends, and buybacks That would be an increase of more than 18% from today’s 67p. Combine that with the forecast 5.25% dividend yield for 2025, and an investor is potentially looking at a total return of around 23.25%. If correct, that would turn £10,000 into £12,235. Which doesn’t sound bad to me. Forecasts like these need to be taken with a healthy pinch of salt, especially today. Many were made before the recent market dip, and sentiment can shift quickly. But for long-term investors, moments like this can offer rare chances to pick up quality income shares at a discount. Lloyd shares look good value with a trailing price-to-earnings ratio of 10.2. I hold Lloyds shares myself and have no plans to sell. I’m thinking in terms of years, and with luck decades, not days or weeks. Investors who are focused on steady dividends and patient growth might consider taking advantage of recent volatility. Although they should brace themselves for more ups and downs, as we wait to see how trade wars pan out. Not to mention that mis-selling case. It could go either way. In the longer run, I remain optimistic. |
Posted at 04/4/2025 07:10 by freddie01 Lloyds share price risky pattern points to a pullback in AprilThe Lloyds stock price has soared by over 30% this year. The company's business is doing well, but motor insurance is a major concern. Its stock has formed a double-top pattern, pointing to a pullback. Lloyds Bank share price has done well this year. It jumped by over 32% this year, joining other European banks that have surged. It peaked at 74.40p in March, bringing its market cap to over £43 billion. It has jumped by more than 265% from its lowest level during the pandemic. So, will the LLOY share price keep rising in the second quarter? Why the LLOY share price jumped Lloyds Bank, the biggest mortgage lender in the UK, jumped sharply in the first quarter mostly because of its strong financial results and the overall performance of other banks in Europe. A closer look shows that most European banks jumped in Q1. In the UK, companies like HSBC, Barclays, Standard Chartered, and NatWest did much better than Lloyds because of their smaller exposure to the auto insurance industry. Lloyds is facing major headwinds for misselling motor insurance in the UK. In its last financial results, the company set aside £700 million to cover potential losses. That was on top of the £450 million in provisions it set in the previous financial year. Other European banks like BNB Paribas, Unicredit, Deutsche Bank, and Societe Generale have done much better this year. These companies have continued to report strong net interest income even as interest rates in the region dropped. In addition, Lloyds Bank has embarked on a journey to reward its shareholders through a combination of dividends and share repurchases. Lloyds has a dividend yield of about 4.17%, higher than the FTSE 100 index average of 3.5%. The bank is doing that by reducing its risk-weighed assets as it slashes its CET-1 ratio to 13% from the current 13.5%. Lloyds Bank’s business is doing well The most recent Q4 and full-year results showed that Lloyds Bank’s business did moderately well even as the UK economy stalled. Historically, Lloyds and NatWest are seen as good barometers of the UK economy. That’s because they serve millions of customers in the country and don’t have any major operations abroad. Also, Lloyds Bank focuses on areas that affect consumers and businesses like mortgage and business lending. The company does not have a major presence in investment banking. The recent numbers showed that Lloyds Bank’s net interest income dropped by 7% in 2024 to £12.845 billion. This decline happened as the Bank of England delivered two rate cuts in 2024, and deposit growth slowed. It had over £482 billion in customer deposits. The NII decline was offset by a 9% increase in its underlying other income. Its profit after tax dropped by 19% to £4.47 billion, mostly because of its motor insurance provision. Lloyds Bank expects that its net interest income for this year will be £14.5 billion and its return on tangible equity (RoTE) to be 13.5%. The daily chart shows that the LLOY share price has been in a strong bullish trend in the past few months. It peaked at 74.30p in March and then retested that level again last week. As a result, the stock formed a double-top pattern, a popular bearish reversal sign whose neckline is at 67.18. This pattern means that investors will need to defend the resistance substantially since failure to cross that level will point to a retreat. Therefore, there is a risk that the Lloyds share price will drop and retest the crucial support at 67.18, followed by more downside. However, a break above the resistance at 74.30p will invalidate the bearish view and lead to more gains, potentially to 80p. |
Posted at 11/3/2025 07:54 by freddie01 Analysts are bullish on Lloyds share price: should you?Lloyds Bank's stock price has surged this year. Analysts are optimistic about its performance. Morgan Stanley analysts expect the stock to surge to 90p. Lloyds share price continued its strong surge this year as European bank stocks soared and after publishing strong financial results. LLOY soared to a multi-year high of $74.46 also after analysts upgraded the stock, pointing to its strong positioning. Lloyds Bank stock has jumped by over 252% from its lowest level in 2020, giving it a market cap of over $57.8 billion. So, is it a good stock to buy? Lloyds stock surge mirrors other European banks The ongoing LLOY share price performance mirrors the performance of other European bank companies that have surged this year. Societe Generale share price has jumped by over 50% this year, making it the best-performing major banks globally. In the UK, NatWest share price has soared by almost 90% this year, while Barclays has surged by 70% in the last 12 months. Other European banking groups like UBS, Santander, Credit Agricole, Unicredit, and HSBC have all surged. These companies have continued to outperform their American peers like JPMorgan and Goldman Sachs. The ongoing surge is because many of these banks have benefited from higher interest rates in the past few months. Higher rates helped to boost their earnings, which in turn, pushed them to increase their distributions to shareholders. Lloyds Bank, which has a dividend yield of 4.13%, has boosted its payouts in the past few quarters, helped by its strong balance sheet. The company is achieving this by continually reducing its CET-1 ratio. It has a CET-1 ratio of 13.5%, and the management now hopes that the figure will drop to 13% by 2026. These actions have led to multiple upgrades of the Lloyds share price. Just last week, analysts at Morgan Stanley and Peel Hunt upgraded the stock, citing its strong performance and the fact that it may play catch up to other banks. Morgan Stanley expects that the Lloyds share price will surge to 90p, while Peel Hunt boosted their outlook to 70p. LLOY business is thriving The most recent results showed that LLoyds Bank’s business was doing well. For example, over 20 million customers are now using its mobile applications to handle transactions, up from 15 million in 2021. Another key data point is that Lloyds Bank now has over 3 million mass affluent customers, higher than 2 million in 2021. Net income has jumped from £15 billion to £17 billion, while the company has addressed the pension deficit that stood at over £7 billion a few years ago. The most recent results showed that Lloyds Bank’s business did better than expected. Its net interest income came in at £12.8 billion, while its total net income fell by 5% to £17.1 billion. The company will likely continue doing well this year as demand continue rising in the coming months. The weekly chart shows that the LLOY share price peaked at 74.55p this month. It has remained above the crucial resistance level at 63.35p, the highest swing in October 2024. The stock has remained above all moving averages, a sign that bulls are in control for now. Also, the Relative Strength Index (RSI) and the Stochastic RSI have pointed downwards. Therefore, the stock will likely drop and retest the key support at 63.35p, the highest swing in October 24 last year. This performance is known as a break and retest pattern, pointing to more upside in the coming weeks. This means that the stock will ultimately jump above 80p later this year. |
Posted at 04/3/2025 14:15 by marktime1231 Analysts with a load of nonsense trying to keep up with a surprisingly frothy share price Nothing suddenly happened to add 20p to the shares, the tangible book value is still somewhere in the low 50's and has been around that level all this time. LLOY performance and outlook has always been pretty good, the chatter about changing net interest fortunes and bad loan expectations just goes to show how badly "experts" have been calling it, and I doubt they have got it right now.If anything LLOY good underlying performance and prospects is now being diluted by the motor finance risk, and costs are rising faster than the savings from pruning the branch network. The reality is that dividends have been restored to where we were all those years ago, and the share price has followed because once again investors believe that LLOY is an income champion again. It may also be the case that progressively removing a meaningful volume of shares from the hands of fickle investors has turned the tide. |
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