tiprankstipranks
Trending News
More News >
Lloyds Banking Group PLC (GB:LLOY)
LSE:LLOY
Advertisement

Lloyds Banking (LLOY) AI Stock Analysis

Compare
2,978 Followers

Top Page

GB:LLOY

Lloyds Banking

(LSE:LLOY)

Select Model
Select Model
Select Model
Outperform 76 (OpenAI - 4o)
Rating:76Outperform
Price Target:
108.00p
â–²(23.26% Upside)
Lloyds Banking's overall stock score is driven by strong earnings call performance and positive technical analysis, indicating bullish momentum. Financial performance shows stability but highlights areas needing improvement, such as cash flow and leverage. Valuation is fair, with a reasonable P/E ratio and dividend yield. The positive sentiment from the earnings call and technical indicators are the most significant factors influencing the score.
Positive Factors
Strategic Initiatives
Lloyds' strategic initiatives have already generated significant revenue, indicating effective execution and potential for sustained growth as these strategies continue to unfold.
Capital Generation
Strong capital generation enhances financial stability and supports future growth investments, ensuring Lloyds can meet regulatory requirements and pursue strategic opportunities.
Operational Efficiency
Ongoing cost savings improve operational efficiency, allowing Lloyds to enhance profitability and competitiveness by reducing expenses and optimizing resource allocation.
Negative Factors
Rising Leverage
Increased leverage can heighten financial risk and reduce flexibility, potentially impacting Lloyds' ability to invest in growth or weather economic downturns.
Cash Flow Challenges
Deteriorating cash flow indicates potential liquidity issues, which could constrain Lloyds' operational capabilities and limit its ability to fund strategic initiatives without external financing.
Declining Profit Margins
A decline in profit margins suggests reduced profitability, which may hinder Lloyds' ability to generate shareholder value and invest in future growth initiatives.

Lloyds Banking (LLOY) vs. iShares MSCI United Kingdom ETF (EWC)

Lloyds Banking Business Overview & Revenue Model

Company DescriptionLloyds Banking Group plc (LLOY) is a leading UK financial services group, providing a wide range of banking and financial services to personal and commercial customers. Headquartered in London, Lloyds operates through several key divisions, including Retail Banking, Commercial Banking, and Insurance. Core products and services offered by the group include current accounts, savings accounts, mortgages, personal loans, credit cards, business banking solutions, and various insurance products. With a strong focus on digital banking, Lloyds aims to enhance customer experience while maintaining a robust presence in the UK market.
How the Company Makes MoneyLloyds Banking Group generates revenue primarily through interest income, fees, and commissions. The main revenue stream comes from net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. The bank's diversified loan portfolio includes mortgages, personal loans, and business loans, contributing significantly to this income. Additionally, Lloyds earns fees and commissions from various services, such as asset management, insurance products, and transactional banking services. Partnerships with fintech companies and other financial institutions enhance its service offerings and customer reach. Furthermore, the bank benefits from cost management strategies and operational efficiencies that bolster its profitability in a competitive banking environment.

Lloyds Banking Earnings Call Summary

Earnings Call Date:Jul 24, 2025
(Q2-2025)
|
% Change Since: |
Next Earnings Date:Feb 18, 2026
Earnings Call Sentiment Positive
The earnings call demonstrated strong financial performance with increased shareholder distributions, capital generation, and income growth. However, there are some challenges related to asset quality and regulatory uncertainty in Motor Finance. Overall, the highlights outweigh the lowlights, indicating positive sentiment.
Q2-2025 Updates
Positive Updates
Strong Shareholder Distributions and Confidence in Strategic Outcomes
Ordinary dividend increased by 15% at the interim stage, with confidence in delivering higher and more sustainable returns. Reaffirmed guidance for 2025 and commitments for 2026.
Capital Generation and Return on Tangible Equity
Return on tangible equity of 14.1% for the half year, with 86 basis points of capital generation. Commitment to a cost-to-income ratio below 50% and more than 200 basis points of capital generation by 2026.
Broad-Based Income Growth
Net income grew by 6% year-on-year, supported by a 5% increase in net interest income and 9% growth in other operating income. Structural hedge income expected to rise by GBP 1.2 billion in 2025 compared to 2024.
Operational Efficiency and Cost Savings
Realized GBP 300 million of gross cost savings in the first half, contributing to a total of circa GBP 1.5 billion since 2021. Targeting a cost-to-income ratio below 50% by 2026.
Growth in Customer Balances
Group lending balances up by GBP 4.8 billion in Q2, driven by broad-based growth across all lending activities. Deposit franchise grew by GBP 11.2 billion or 2% in the first half.
Negative Updates
Asset Quality and Impairment Charge
H1 impairment charge of GBP 442 million equates to an asset quality ratio of 19 basis points. Minor changes to macroeconomic forecasts with a slightly lower GDP growth expectation for 2025 and 2026.
Challenges in Motor Finance and Regulatory Uncertainty
Awaiting Supreme Court judgment on Motor Finance, with potential implications for liability and interest rate application.
Company Guidance
During the Lloyds Banking Group 2025 Half Year Results Call, the company reaffirmed its guidance for 2025, projecting a strong financial performance. Key metrics highlighted included a 15% increase in the interim ordinary dividend and a return on tangible equity of 14.1% for the first half of the year. The group reported a 6% increase in net income, supported by a 9% rise in other operating income. Capital generation was robust, with 86 basis points recorded in the first half. The company remains confident in achieving its 2026 strategic outcomes, targeting a cost-to-income ratio below 50% and more than 200 basis points of capital generation. Lloyds also emphasized its strategic initiatives, noting over GBP 1 billion in additional revenues delivered to date from these efforts. The economic outlook is seen as supportive, with the company positioned to benefit from targeted growth areas such as housing and pensions.

Lloyds Banking Financial Statement Overview

Summary
Lloyds Banking shows a stable revenue base and strong gross profit margins typical for the banking industry. However, the company faces challenges with declining net profit margins and revenue growth, alongside increased leverage and deteriorating cash flow performance. Addressing these issues will be crucial to improve financial stability and shareholder returns.
Income Statement
75
Positive
The company has maintained a stable revenue base with slight fluctuations over the years. The gross profit margin remains healthy at 100%, indicating no cost of goods sold, which is typical for banking. However, the net profit margin decreased from 29.7% in 2023 to 25.2% in 2024, showing a potential decline in profitability. The EBIT margin in 2024 was 100%, but it decreased from the previous year. Revenue growth has been inconsistent, with a recent decline of about 4.6% from 2023 to 2024, indicating potential challenges in income generation.
Balance Sheet
70
Positive
The company's debt-to-equity ratio increased from 1.99 in 2023 to 3.37 in 2024, signaling rising leverage that could pose risks if not managed carefully. The return on equity decreased from 11.6% in 2023 to 11.2% in 2024, indicating slight pressure on shareholder returns. The equity ratio also decreased to 4.4% in 2024, down from 5.3% in 2023, reflecting a higher reliance on debt financing.
Cash Flow
55
Neutral
Lloyds Banking experienced a negative free cash flow of -9.9 billion in 2024, a significant drop from 1.35 billion in 2023, indicating cash flow challenges. The operating cash flow to net income ratio turned negative, showing inefficiency in converting profits into cash flows. This raises concerns about the company’s ability to cover its operational needs without external financing.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue37.61B37.61B33.95B20.77B18.71B18.69B
Gross Profit37.61B18.60B19.20B16.05B16.32B15.13B
EBITDA6.15B9.40B10.41B7.18B9.73B3.96B
Net Income4.53B4.42B5.46B3.83B5.78B1.32B
Balance Sheet
Total Assets919.28B906.70B881.45B873.39B886.52B871.27B
Cash, Cash Equivalents and Short-Term Investments64.22B137.01B138.50B139.34B138.16B142.72B
Total Debt85.44B88.52B93.67B91.83B91.84B108.76B
Total Liabilities872.41B860.81B834.09B829.48B833.37B821.86B
Stockholders Equity46.72B45.72B47.16B43.67B52.92B49.18B
Cash Flow
Free Cash Flow0.00-10.02B1.35B18.16B3.39B24.27B
Operating Cash Flow0.00-4.39B6.81B22.01B6.62B27.17B
Investing Cash Flow0.00-7.69B-9.82B510.00M-2.54B-4.00B
Financing Cash Flow0.00-5.93B-3.50B-6.61B-3.23B-5.32B

Lloyds Banking Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price87.62
Price Trends
50DMA
86.11
Positive
100DMA
82.66
Positive
200DMA
76.29
Positive
Market Momentum
MACD
1.14
Positive
RSI
45.07
Neutral
STOCH
5.65
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:LLOY, the sentiment is Neutral. The current price of 87.62 is below the 20-day moving average (MA) of 90.05, above the 50-day MA of 86.11, and above the 200-day MA of 76.29, indicating a neutral trend. The MACD of 1.14 indicates Positive momentum. The RSI at 45.07 is Neutral, neither overbought nor oversold. The STOCH value of 5.65 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:LLOY.

Lloyds Banking Risk Analysis

Lloyds Banking disclosed 33 risk factors in its most recent earnings report. Lloyds Banking reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Lloyds Banking Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
£52.44B15.468.08%3.80%-22.85%-21.12%
76
Outperform
£56.48B9.739.72%1.77%14.18%46.12%
75
Outperform
$35.51B10.5510.45%1.95%-4.35%21.86%
73
Outperform
£20.20B29.8110.13%6.47%-19.71%-53.86%
73
Outperform
£46.96B8.8914.96%4.30%4.27%26.21%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
49
Neutral
£13.50B60.286.81%9.18%-38.98%-31.14%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:LLOY
Lloyds Banking
87.42
35.03
66.86%
GB:STAN
Standard Chartered
1,575.00
639.75
68.40%
GB:BARC
Barclays
397.75
141.90
55.46%
GB:LGEN
Legal & General
235.80
35.12
17.50%
GB:NWG
NatWest Group
577.00
197.40
52.00%
GB:AV
Aviva plc
637.40
185.53
41.06%

Lloyds Banking Corporate Events

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Nov 12, 2025

Lloyds Banking Group PLC announced the purchase of 9,926,197 of its ordinary shares as part of its ongoing share buyback program. This transaction, executed through Morgan Stanley & Co. International plc, reflects the company’s strategy to manage its capital structure and potentially enhance shareholder value by reducing the number of shares in circulation.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Nov 11, 2025

Lloyds Banking Group PLC announced the purchase of over 10 million of its ordinary shares as part of its ongoing share buyback program. The shares were bought from Morgan Stanley & Co. International plc at prices ranging from 93.5 to 95 pence per share. This move reflects the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, thereby potentially increasing the value of remaining shares. The cancellation of these shares aligns with regulatory requirements and underscores Lloyds’ commitment to optimizing its capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyRegulatory Filings and Compliance
Lloyds Banking Group Announces Share Acquisitions by Key Personnel
Neutral
Nov 11, 2025

Lloyds Banking Group announced the acquisition of shares by its key managerial personnel under the company’s Share Incentive Plan. This move involves the monthly acquisition of Partnership Shares and the awarding of Matching Shares, reflecting the company’s ongoing commitment to align the interests of its management with those of its shareholders. The transactions were conducted outside a trading venue, and the announcement highlights the transparency and regulatory compliance of the company’s operations.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Nov 10, 2025

Lloyds Banking Group PLC has announced the purchase of 10,312,855 of its ordinary shares as part of its ongoing share buyback programme. These shares, acquired from Morgan Stanley & Co. International plc, will be cancelled, reflecting the company’s strategy to enhance shareholder value and optimize its capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Nov 7, 2025

Lloyds Banking Group PLC has announced the purchase of over 10 million of its ordinary shares as part of its ongoing share buyback program. This move, executed through Morgan Stanley & Co. International plc, is aimed at reducing the number of outstanding shares, potentially increasing the value of remaining shares and enhancing shareholder value.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Nov 6, 2025

Lloyds Banking Group has announced the purchase of 26,446,044 of its ordinary shares as part of its ongoing share buyback program. These shares, acquired from Morgan Stanley & Co. International plc, will be canceled, a move that could potentially enhance shareholder value and reflect confidence in the company’s financial stability.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Regulatory Filings and Compliance
Lloyds Banking’s Andrew Walton Sells Shares, Remains Compliant
Neutral
Nov 6, 2025

Lloyds Banking Group PLC announced that Andrew Walton, who holds managerial responsibilities as the Chief Sustainability Officer and Chief Corporate Affairs Officer, sold 122,495 ordinary shares at 88.80 pence each on November 5, 2025. Despite this transaction, Walton remains in compliance with the company’s shareholding policy. This transaction highlights the ongoing management of shareholdings by key personnel within the company, potentially impacting investor perceptions and market dynamics.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Nov 5, 2025

Lloyds Banking Group has announced the purchase of 8,975,424 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at prices ranging from 88.4800 to 89.4800 pence per share, with an average price of 88.9705 pence. This move is part of the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, which can positively impact earnings per share and return on equity. The purchased shares are set to be canceled, aligning with regulatory requirements and reflecting the company’s commitment to efficient capital management.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Nov 4, 2025

Lloyds Banking Group PLC announced the purchase of 13,439,127 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at prices ranging from 87.4400 to 88.9600 pence per share, with a volume-weighted average price of 88.2469 pence. This move is part of the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, which could potentially improve earnings per share and return on equity.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Nov 3, 2025

Lloyds Banking Group has announced the repurchase of 9,850,520 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at a volume-weighted average price of 89.1952 pence per share and will be canceled, reflecting the company’s strategy to return value to its shareholders and optimize its capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Oct 31, 2025

Lloyds Banking Group PLC announced the purchase of 9,722,666 of its ordinary shares as part of its ongoing share buyback program, which aims to repurchase up to £1.7 billion worth of shares. This strategic move is part of the company’s efforts to enhance shareholder value by reducing the number of shares in circulation, potentially increasing earnings per share and signaling confidence in the company’s financial health.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Regulatory Filings and Compliance
Lloyds Banking Group Updates Shareholder Voting Rights
Neutral
Oct 31, 2025

Lloyds Banking Group PLC announced that as of 31 October 2025, it has issued a total of 59,147,969,616 ordinary shares with voting rights, including those represented by American Depositary Receipts. This figure is crucial for shareholders to determine their notification requirements under the Financial Conduct Authority’s Disclosure Guidance and Transparency Rules, impacting how they manage their interests in the company.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program with Major Share Purchase
Positive
Oct 30, 2025

Lloyds Banking Group PLC announced the purchase of 10,711,142 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired from Morgan Stanley & Co. International plc, with prices ranging from 87.9200 to 89.0400 pence per share. This move is part of Lloyds’ strategy to manage its capital structure and return value to shareholders, as the company intends to cancel the purchased shares.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Oct 29, 2025

Lloyds Banking Group PLC announced the purchase of 846,114 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at a volume-weighted average price of 88.4539 pence per share and will be canceled, reflecting the company’s strategy to enhance shareholder value and optimize its capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Oct 28, 2025

Lloyds Banking Group PLC announced the purchase of 431,135 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired from Morgan Stanley & Co. International plc, with prices ranging from 86.2000 to 87.3400 pence per share. This move is part of a strategy to enhance shareholder value by reducing the number of shares in circulation, thereby potentially increasing the value of remaining shares.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £110.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Advances Share Buyback Initiative
Positive
Oct 27, 2025

Lloyds Banking Group PLC announced the purchase of 288,469 of its ordinary shares as part of its ongoing share buyback program, with prices ranging from 85.6000 to 87.7200 pence per share. This move, executed through Morgan Stanley & Co. International plc, is aimed at enhancing shareholder value by reducing the number of shares in circulation, thus potentially increasing earnings per share and market confidence.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £90.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Share Buyback Program
Positive
Oct 24, 2025

Lloyds Banking Group PLC announced the purchase of 1,376,149 of its ordinary shares from Morgan Stanley & Co. International as part of its ongoing share buyback program. The shares were bought at prices ranging from 84.0000 to 85.5000 pence and will be canceled, reflecting the company’s strategy to manage its capital structure and return value to shareholders.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £93.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Oct 23, 2025

Lloyds Banking Group PLC announced the purchase of 353,580 of its ordinary shares as part of its ongoing share buyback program, with prices ranging from 83.8800 to 84.6600 pence per share. This move is part of the company’s strategy to manage its capital structure and return value to shareholders, indicating a focus on enhancing shareholder value and potentially impacting market perceptions positively.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £100.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Private Placements and FinancingRegulatory Filings and Compliance
Lloyds Banking Group Releases Supplementary Prospectus for £25 Billion Note Programme
Neutral
Oct 23, 2025

Lloyds Banking Group has announced the publication of a Supplementary Prospectus related to its £25 billion Euro Medium Term Note Programme, which has been approved by the Financial Conduct Authority. This development is part of the company’s ongoing efforts to manage its capital structure and funding strategy, potentially impacting its financial flexibility and market positioning.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £100.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyFinancial DisclosuresM&A Transactions
Lloyds Banking Group Reports Robust Q3 2025 Results and Strategic Acquisition
Positive
Oct 23, 2025

Lloyds Banking Group reported strong financial performance for the first nine months of 2025, with a statutory profit after tax of £3.3 billion and a 6% increase in net income. Despite an £800 million charge related to motor finance commission arrangements, the Group maintained robust capital generation and asset quality. The acquisition of Schroders Personal Wealth is expected to accelerate the Group’s wealth strategy, enhancing its market position in a high-value segment. The Group revised its 2025 guidance, anticipating continued growth in net interest income and capital generation, while managing operating costs and asset quality.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £100.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Advances Share Buyback with New Share Purchase
Positive
Oct 22, 2025

Lloyds Banking Group PLC announced the purchase of 763,230 of its ordinary shares as part of its ongoing share buyback program. The shares were bought from Morgan Stanley & Co. International plc at prices ranging from 83.6800 to 84.1000 pence per share, with a volume-weighted average price of 83.8104 pence. The company plans to cancel these shares, a move that may impact its share capital structure and potentially enhance shareholder value by reducing the number of shares in circulation.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £100.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Oct 21, 2025

Lloyds Banking Group PLC has announced the purchase of 7,528,113 of its ordinary shares as part of its ongoing share buyback program. This move, executed through Morgan Stanley & Co. International plc, aims to cancel the acquired shares, potentially enhancing shareholder value and signaling confidence in the company’s financial stability.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £100.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Oct 20, 2025

Lloyds Banking Group PLC announced the purchase of 4,713,493 of its ordinary shares as part of its ongoing share buyback program. The shares, bought at an average price of 83.1413 pence, will be canceled, reflecting the company’s strategic move to enhance shareholder value and optimize its capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £100.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Oct 17, 2025

Lloyds Banking Group PLC announced the purchase of 38,731,683 of its ordinary shares from Morgan Stanley & Co. International plc as part of its ongoing share buyback program. This move is in line with the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, which may positively impact the company’s stock performance and market perception.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £100.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Oct 16, 2025

Lloyds Banking Group PLC has executed a share buyback transaction, purchasing over 5.4 million of its ordinary shares from Morgan Stanley & Co. International plc. This move is part of its ongoing share buyback program, with the intention to cancel the acquired shares, potentially enhancing shareholder value and optimizing the company’s capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £1.05 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Oct 15, 2025

Lloyds Banking Group PLC announced the purchase of 331,283 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired from Morgan Stanley & Co. International plc at a volume-weighted average price of 84.4810 pence per share. This move is part of Lloyds’ strategy to enhance shareholder value by reducing the number of shares in circulation, thus potentially increasing the value of remaining shares. The company plans to cancel the purchased shares, which could positively impact its earnings per share and market perception.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £97.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Continues Share Buyback Initiative
Positive
Oct 14, 2025

Lloyds Banking Group PLC announced the purchase of over 14 million of its ordinary shares as part of its ongoing share buyback program. This move, executed through Morgan Stanley, reflects the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, potentially increasing earnings per share and signaling confidence in its financial stability.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £100.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Oct 13, 2025

Lloyds Banking Group PLC announced the purchase of 8,744,664 of its ordinary shares from Morgan Stanley & Co. International plc as part of its ongoing share buyback program. The shares were bought at prices ranging from 83.2000 to 84.2200 pence and will be canceled, reflecting the company’s strategy to return value to shareholders and manage its capital structure effectively.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £100.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Executive/Board Changes
Lloyds Banking Group Announces Board Changes
Neutral
Oct 13, 2025

Lloyds Banking Group plc has announced a significant board change with the departure of Scott Wheway as a Non-Executive Director and Chair of Scottish Widows Group, effective 31 October 2025. Wheway will assume the role of Chair at Legal & General Group Plc in January 2026. Chris Moulder, the Senior Independent Director of Scottish Widows Group, will temporarily take over as interim Chair, pending regulatory approval. This transition reflects LBG’s ongoing commitment to leadership and governance, with Sir Robin Budenberg expressing gratitude for Wheway’s contributions and confidence in Moulder’s interim leadership.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £80.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Financial DisclosuresLegal Proceedings
Lloyds Banking Group Increases Provision for Motor Finance Redress
Negative
Oct 13, 2025

Lloyds Banking Group has assessed the implications of the FCA’s proposed industry-wide redress scheme for motor finance following a Supreme Court judgment. The Group has increased its provision by £800 million, bringing the total to £1.95 billion, due to the likelihood of more historical cases being eligible for redress. Lloyds is concerned that the FCA’s proposed methodology does not accurately reflect customer losses or align with recent legal judgments. The outcome of the FCA’s consultation may change based on further legal proceedings and representations from various parties.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £80.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Major Share Buyback
Positive
Oct 10, 2025

Lloyds Banking Group PLC has executed a significant transaction involving the repurchase of over 12.8 million of its ordinary shares as part of its ongoing share buyback program. This move, facilitated by Morgan Stanley & Co. International plc, reflects the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, potentially increasing earnings per share and signaling confidence in its financial health.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £80.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and Strategy
Lloyds Banking Group Aligns Executive Interests with Shareholders Through Share Incentive Plan
Positive
Oct 10, 2025

Lloyds Banking Group PLC has announced the monthly acquisition of Partnership Shares and the award of Matching Shares under its Share Incentive Plan (SIP) for its senior management. This transaction, conducted on October 9, 2025, involves key executives, including the CEO of Insurance, Pensions & Investments, and other senior officers, acquiring ordinary shares of the company. This move is part of the company’s strategy to align the interests of its management with those of its shareholders, potentially enhancing stakeholder confidence and reinforcing the group’s commitment to long-term growth and stability.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £80.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Programme
Positive
Oct 9, 2025

Lloyds Banking Group PLC announced the purchase of 19,858,319 of its ordinary shares as part of its ongoing share buyback programme. The shares, bought from Morgan Stanley & Co. International plc, were acquired at prices ranging from 82.8400 to 84.5000 pence per share, with a volume-weighted average price of 83.9295 pence. These purchases are in line with the company’s strategy to enhance shareholder value, and the acquired shares are intended to be canceled, potentially impacting the company’s share capital and market perception positively.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £97.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyM&A Transactions
Lloyds Banking Group Completes Acquisition of Schroders Personal Wealth
Neutral
Oct 9, 2025

Lloyds Banking Group has fully acquired Schroders Personal Wealth, previously a joint venture with Schroders Group, by exchanging its stake in Cazenove Capital. This acquisition, which involves no cash consideration, aims to enhance Lloyds’ wealth management strategy by integrating personalized advice with digital tools, targeting over 3 million mass affluent customers. The transaction is expected to have minimal financial impact on the Group’s overall financials, though it will slightly increase operating costs beyond the 2025 guidance.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyRegulatory Filings and Compliance
Lloyds Banking Group Evaluates Impact of FCA Motor Finance Consultation
Negative
Oct 9, 2025

Lloyds Banking Group has announced that it is evaluating the impact of a recent FCA consultation paper on motor finance, which may necessitate an additional financial provision. This development could have significant implications for the company’s financial strategy and market position, as the uncertainties surrounding the proposal’s interpretation and implementation are still being analyzed.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyRegulatory Filings and Compliance
Lloyds Banking Group Reviews FCA Motor Finance Redress Scheme Impact
Neutral
Oct 8, 2025

Lloyds Banking Group is currently evaluating the impact of the Financial Conduct Authority’s (FCA) recent announcement regarding an industry-wide redress scheme for motor finance. The company is assessing how this consultation will affect its current provisions and plans to update the market as necessary, indicating potential implications for its financial operations and stakeholder interests.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Oct 7, 2025

Lloyds Banking Group PLC announced the purchase of 13,771,876 of its ordinary shares as part of its ongoing share buyback program. These transactions, executed through Morgan Stanley & Co. International plc, are part of a strategic move to enhance shareholder value by reducing the number of shares in circulation, which could potentially increase earnings per share and improve market perception.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Oct 6, 2025

Lloyds Banking Group PLC announced the purchase of 9,650,943 of its ordinary shares as part of its ongoing share buyback programme. The shares were acquired at a volume weighted average price of 84.0833 pence per share, and the company plans to cancel these shares. This move is part of an effort to enhance shareholder value and optimize the company’s capital structure, reflecting a strategic focus on returning capital to shareholders.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program with New Purchase
Positive
Oct 3, 2025

Lloyds Banking Group PLC announced the purchase of 614,123 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired from Morgan Stanley & Co. International plc at a volume-weighted average price of 84.2782 pence per share. This move is part of the company’s strategy to enhance shareholder value by reducing the number of shares outstanding, which could potentially improve earnings per share and return on equity. The purchased shares are intended to be canceled, aligning with regulatory compliance under the Market Abuse Regulation.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Oct 2, 2025

Lloyds Banking Group PLC announced the purchase of 314,414 of its own ordinary shares as part of its ongoing share buyback program. The shares were bought from Morgan Stanley & Co. International plc at prices ranging from 83.6600 to 84.8400 pence per share, with an average price of 84.1215 pence. This move is in line with the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, potentially increasing earnings per share and providing a positive signal to the market.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Oct 1, 2025

Lloyds Banking Group PLC announced the purchase of 672,123 of its ordinary shares as part of its ongoing share buyback program. The shares were bought at prices ranging from 82.8800 to 83.9200 pence, with a volume-weighted average price of 83.4405 pence. This move is part of the company’s strategy to manage its capital structure and return value to shareholders by reducing the number of shares in circulation.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Sep 30, 2025

Lloyds Banking Group PLC announced the purchase of 588,003 of its ordinary shares as part of its ongoing share buyback program. This transaction, executed through Morgan Stanley & Co. International plc, is part of a larger initiative to repurchase up to £1.7 billion of shares, with the intention of canceling them to enhance shareholder value. Since the program’s inception, Lloyds has repurchased over 1.7 billion shares, reflecting a significant commitment to returning capital to shareholders.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Regulatory Filings and Compliance
Lloyds Banking Group Updates on Voting Rights and Capital
Neutral
Sep 30, 2025

Lloyds Banking Group PLC announced that as of 30 September 2025, it has issued a total of 59,284,055,657 ordinary shares with voting rights. This figure, which includes shares represented by American Depositary Receipts, will be used by shareholders to determine their notification requirements under the Financial Conduct Authority’s rules. The announcement provides clarity on shareholder voting rights and transparency obligations, potentially impacting shareholder engagement and regulatory compliance.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Sep 29, 2025

Lloyds Banking Group PLC has announced the purchase of 311,431 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired from Morgan Stanley & Co. International plc, with the highest price paid per share being 83.5200 pence and the lowest at 82.6600 pence. This move is part of the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, which can potentially increase earnings per share and improve stock performance.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Strategy
Positive
Sep 26, 2025

Lloyds Banking Group has announced the purchase of 1,227,984 of its ordinary shares as part of its ongoing share buyback program. These transactions, executed through Morgan Stanley & Co. International, reflect the company’s strategic efforts to manage its capital structure and enhance shareholder value by canceling the repurchased shares.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Sep 25, 2025

Lloyds Banking Group PLC announced the purchase of 18,732,187 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired from Morgan Stanley & Co. International plc at a volume-weighted average price of 81.5780 pence per share. This move is part of Lloyds’ strategy to enhance shareholder value by reducing the number of outstanding shares, which could potentially improve earnings per share and return on equity.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Sep 24, 2025

Lloyds Banking Group PLC has announced the purchase of over 11 million of its ordinary shares as part of its ongoing share buyback program. The shares were acquired from Morgan Stanley & Co. International plc, with the intention to cancel them, a move that could potentially enhance shareholder value by reducing the number of shares outstanding.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Sep 23, 2025

Lloyds Banking Group PLC announced the repurchase of 8,024,077 of its ordinary shares as part of its ongoing share buyback program. The shares were purchased from Morgan Stanley & Co. International plc, with the company planning to cancel the repurchased shares, reflecting its strategy to enhance shareholder value.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Sep 22, 2025

Lloyds Banking Group PLC has announced the purchase of over 10 million of its ordinary shares as part of its ongoing share buyback program. The shares were acquired from Morgan Stanley & Co. International plc and will be canceled, reflecting the company’s strategy to enhance shareholder value and optimize its capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyRegulatory Filings and Compliance
Lloyds Banking Group Announces Managerial Share Transactions
Neutral
Sep 22, 2025

Lloyds Banking Group PLC announced transactions involving its senior management, including the acquisition and disposal of shares under its Fixed Share Award and Sharesave Scheme. These transactions reflect the company’s ongoing efforts to align managerial interests with shareholder value and maintain compliance with its shareholding policy, potentially impacting its market positioning and stakeholder confidence.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.84 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback with New Purchase
Positive
Sep 19, 2025

Lloyds Banking Group PLC announced the purchase of 5,091,816 of its own ordinary shares as part of its ongoing share buyback program. The shares were bought at a volume-weighted average price of 82.1442 pence and will be canceled, reflecting the company’s strategy to return value to shareholders and manage its capital structure effectively.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.98 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Advances Share Buyback with Latest Purchase
Positive
Sep 18, 2025

Lloyds Banking Group plc has announced the purchase of 3,292,493 of its own ordinary shares as part of its ongoing share buyback program. The shares, acquired from Morgan Stanley & Co. International plc, were bought at a volume-weighted average price of 83.5333 pence each and will be cancelled, reflecting the company’s commitment to returning value to shareholders.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.98 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyDividends
Lloyds Banking Group Announces Share Acquisition by Senior Management
Positive
Sep 18, 2025

Lloyds Banking Group PLC announced a transaction involving Catherine Woods, a Non-Executive Director, and James Woods, a closely associated person, who acquired 1,806 ordinary shares through the reinvestment of an interim dividend. This transaction highlights the continued engagement of senior management with the company’s equity, potentially reinforcing stakeholder confidence in the company’s financial health and strategic direction.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.98 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Programme
Positive
Sep 17, 2025

Lloyds Banking Group PLC announced the purchase of 3,315,350 of its own ordinary shares as part of its ongoing share buyback programme. These shares, acquired at a volume-weighted average price of 82.9453 pence, are intended to be canceled, reflecting the company’s strategy to enhance shareholder value and optimize its capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.98 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Sep 16, 2025

Lloyds Banking Group announced the purchase of 3,282,423 of its ordinary shares as part of its ongoing share buyback program. The shares were bought at prices ranging from 82.9600 to 84.6800 pence and will be canceled, indicating a strategic move to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.98 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Enhances Shareholder Value Through Share Buyback
Positive
Sep 15, 2025

Lloyds Banking Group PLC announced the purchase of 3,280,120 of its ordinary shares as part of its ongoing share buyback program. This move, executed through Morgan Stanley & Co. International plc, is intended to enhance shareholder value by reducing the number of shares in circulation, which could potentially increase earnings per share and improve the company’s market positioning.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.98 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Advances Share Buyback Programme
Neutral
Sep 12, 2025

Lloyds Banking Group PLC announced the purchase of 3,328,248 of its ordinary shares as part of its ongoing share buyback programme. This transaction, executed through Morgan Stanley & Co. International plc, reflects the company’s strategic decision to cancel these shares, potentially impacting its share capital structure and shareholder value.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.98 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Sep 11, 2025

Lloyds Banking Group PLC has announced the repurchase of 3,354,230 of its ordinary shares as part of its ongoing share buyback programme. The shares were bought from Morgan Stanley & Co. International plc, with the highest price paid per share being 82.34 pence and the lowest at 81.38 pence. This move is part of Lloyds’ strategy to enhance shareholder value by reducing the number of shares in circulation, which can potentially increase earnings per share and improve market confidence.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.98 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyDividends
Lloyds Banking Executives Acquire Shares Through Dividend Reinvestment Plan
Positive
Sep 11, 2025

Lloyds Banking Group PLC announced the acquisition of shares by its senior management through the Dividend Reinvestment Plan (DRIP) for the interim dividend of 2025. Key executives, including Kate Cheetham, Stephen Shelley, Jas Singh, and John Winter, acquired shares as part of this plan, with transactions conducted on the London Stock Exchange. This move reflects the company’s strategy to align management interests with shareholder value and demonstrates confidence in the company’s financial performance.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.98 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Sep 10, 2025

Lloyds Banking Group PLC has announced the purchase of 3,369,483 of its ordinary shares as part of its ongoing share buyback program. The shares, bought at prices ranging from 81.3000 to 81.9200 pence, will be canceled, aligning with the company’s strategy to enhance shareholder value. This move is part of a previously announced plan and reflects the company’s commitment to managing its capital efficiently.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.98 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and Strategy
Lloyds Banking Group Announces Managerial Share Acquisitions
Neutral
Sep 10, 2025

Lloyds Banking Group PLC announced the acquisition of shares by key managerial personnel under its Share Incentive Plan as of September 9, 2025. This move involves several high-ranking officials, including the CEO of Insurance, Pensions & Investments, and the Chief Legal Officer, among others. The transactions, conducted outside a trading venue, reflect the company’s ongoing commitment to aligning managerial interests with shareholder value, potentially impacting its operational strategies and stakeholder relations.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.98 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Programme
Positive
Sep 9, 2025

Lloyds Banking Group PLC announced the purchase of 3,396,271 of its ordinary shares as part of its ongoing share buyback programme. The shares were bought from Morgan Stanley & Co. International plc, with the highest price per share being 81.6000 pence and the lowest at 80.4600 pence. This move is part of the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, which can potentially increase earnings per share and improve market perception.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.98 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Executes Share Buyback of Over 6 Million Shares
Positive
Sep 8, 2025

Lloyds Banking Group PLC announced the purchase of 6,670,439 of its ordinary shares as part of its ongoing share buyback program, with the intention to cancel these shares. This move, executed through Morgan Stanley & Co. International plc, is part of a strategic effort to manage the company’s capital structure and potentially enhance shareholder value.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £0.99 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Sep 5, 2025

Lloyds Banking Group announced the purchase of 9,391,973 of its own ordinary shares as part of its ongoing share buyback program. The shares, bought at an average price of 79.7999 pence, will be canceled, which is expected to enhance shareholder value by reducing the number of shares outstanding. This move is part of the company’s strategy to manage its capital efficiently and return surplus capital to shareholders, potentially impacting its stock price and market perception positively.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £0.99 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Sep 4, 2025

Lloyds Banking Group PLC announced the repurchase of 5,852,610 of its ordinary shares as part of its ongoing share buyback program. The shares were purchased from Morgan Stanley & Co. International plc at a volume-weighted average price of 79.6689 pence per share. This strategic move is part of the company’s efforts to enhance shareholder value by reducing the number of shares in circulation, which can positively impact earnings per share and market perception.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £0.99 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Programme
Positive
Sep 3, 2025

Lloyds Banking Group PLC announced the purchase of 43,405,895 of its ordinary shares as part of its ongoing share buyback programme. These shares were acquired from Morgan Stanley & Co. International plc at a volume-weighted average price of 78.3751 pence per share. The company plans to cancel these shares, which is a strategic move to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £0.99 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Sep 2, 2025

Lloyds Banking Group PLC announced the purchase of 48,859,808 of its ordinary shares as part of its ongoing share buyback program. These shares were bought from Morgan Stanley & Co. International plc at prices ranging from 78.0400 to 80.3000 pence per share, with a volume-weighted average price of 78.6465 pence. The company intends to cancel these shares, which is expected to impact its share capital structure and potentially enhance shareholder value by reducing the number of shares outstanding.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £0.99 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Executes Significant Share Buyback
Positive
Sep 1, 2025

Lloyds Banking Group PLC announced the purchase of 48,415,671 of its ordinary shares from Morgan Stanley & Co. International plc as part of its ongoing share buyback program. This move, aimed at canceling the acquired shares, reflects the company’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £0.99 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Aug 29, 2025

Lloyds Banking Group PLC has announced the purchase of over 50 million of its ordinary shares as part of an ongoing share buyback program. This move, which involves canceling the repurchased shares, is part of a larger strategy to repurchase up to £1.7 billion worth of shares, reflecting the company’s commitment to returning value to shareholders and optimizing its capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £0.99 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Regulatory Filings and Compliance
Lloyds Banking Group Updates on Voting Rights and Capital Structure
Neutral
Aug 29, 2025

Lloyds Banking Group PLC announced that as of August 29, 2025, it has issued a total of 59,602,243,740 ordinary shares with voting rights, including those represented by American Depositary Receipts. This information is crucial for shareholders to determine their notification obligations under the Financial Conduct Authority’s Disclosure Guidance and Transparency Rules, impacting how they manage their interests in the company.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £0.99 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value Through Share Buyback
Positive
Aug 28, 2025

Lloyds Banking Group PLC announced the purchase of 29,068,405 of its ordinary shares as part of its ongoing share buyback program. The transaction, executed through Morgan Stanley & Co. International plc, is part of a strategy to enhance shareholder value by reducing the number of shares in circulation, which can positively impact earnings per share and share price.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £0.99 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program with Recent Share Purchase
Positive
Aug 27, 2025

Lloyds Banking Group PLC has announced the purchase of 39,338,954 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired from Morgan Stanley & Co. International plc, with the highest price paid per share being 83.9200 pence and the lowest at 82.2200 pence. The company plans to cancel these shares, which is a strategic move to enhance shareholder value and optimize its capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £0.99 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Aug 26, 2025

Lloyds Banking Group PLC announced the purchase of 21,026,333 of its ordinary shares as part of its ongoing share buyback programme, with the intention to cancel these shares. This move is part of a strategy to enhance shareholder value and optimize the company’s capital structure, reflecting confidence in its financial health and future prospects.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £1.03 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Aug 22, 2025

Lloyds Banking Group has announced the purchase of 5,616,332 of its ordinary shares as part of its ongoing share buyback program. This move, executed through Morgan Stanley & Co. International, reflects the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, potentially increasing the value of remaining shares.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £94.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Regulatory Filings and Compliance
Lloyds Banking Group Director Acquires Shares, Signaling Confidence
Positive
Aug 22, 2025

Lloyds Banking Group PLC announced that Chris Vogelzang, a Non-Executive Director, acquired 50,000 ordinary shares of the company at a price of 84.00 pence per share. This transaction, conducted on the London Stock Exchange, is part of the company’s ongoing disclosure of managerial transactions, as required by the UK Market Abuse Regulation. The acquisition reflects confidence in the company’s performance and may influence stakeholders’ perceptions of the company’s market position.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £94.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Aug 21, 2025

Lloyds Banking Group PLC has announced the purchase of 6,887,283 of its own ordinary shares as part of its ongoing share buyback programme. These shares, bought at an average price of 83.7115 pence per share, will be cancelled, reflecting the company’s strategy to return value to shareholders and optimize its capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £94.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program with Recent Share Repurchase
Positive
Aug 20, 2025

Lloyds Banking Group PLC announced the repurchase of 9,808,088 of its ordinary shares as part of its ongoing share buyback program. These shares were purchased from Morgan Stanley & Co. International plc at a volume-weighted average price of 83.3666 pence per share. The company intends to cancel the repurchased shares, which is expected to positively impact shareholder value by reducing the number of shares outstanding. This move is in line with Lloyds’ strategic focus on returning capital to shareholders and optimizing its capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £94.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Aug 19, 2025

Lloyds Banking Group PLC announced the purchase of 7,406,587 of its ordinary shares as part of its ongoing share buyback program. These shares, acquired at an average price of 83.2230 pence, will be canceled, reflecting the company’s strategy to enhance shareholder value and optimize its capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £94.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Aug 18, 2025

Lloyds Banking Group has announced the purchase of over 11 million of its ordinary shares as part of its ongoing share buyback program. This move is aimed at enhancing shareholder value by reducing the number of shares in circulation, which can potentially increase earnings per share and strengthen the company’s market position.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.56 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Aug 15, 2025

Lloyds Banking Group PLC announced the purchase of 3,401,338 of its ordinary shares as part of its ongoing share buyback program. The shares were bought at a volume-weighted average price of 83.5286 pence and will be cancelled, which is likely to impact the company’s share capital structure and potentially enhance shareholder value.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.56 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyStock Buyback
Lloyds Banking Group Advances Share Buyback Strategy
Positive
Aug 14, 2025

Lloyds Banking Group PLC has announced the purchase of 3,287,605 of its ordinary shares as part of its ongoing share buyback program. These shares, acquired from Morgan Stanley & Co. International plc, will be canceled, reflecting the company’s strategy to enhance shareholder value and optimize its capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.56 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock Buyback
Lloyds Banking Group Advances Share Buyback Program
Positive
Aug 13, 2025

Lloyds Banking Group PLC announced the purchase of 3,293,126 of its ordinary shares as part of its ongoing share buyback program. The shares were bought at a volume-weighted average price of 83.5104 pence per share, and the company plans to cancel these shares, which could potentially enhance shareholder value by reducing the number of shares outstanding.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.56 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Nov 13, 2025