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Lloyds Banking Group PLC (GB:LLOY)
LSE:LLOY
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Lloyds Banking (LLOY) AI Stock Analysis

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GB:LLOY

Lloyds Banking

(LSE:LLOY)

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Outperform 73 (OpenAI - 4o)
Rating:73Outperform
Price Target:
93.00p
â–˛(10.98% Upside)
Lloyds Banking's overall stock score is driven by strong technical indicators and a fair valuation, despite financial performance challenges. The stock's bullish momentum and reasonable dividend yield are positive factors, but the company's declining profitability and cash flow issues need attention to ensure long-term stability.
Positive Factors
Strong Gross Profit Margins
Lloyds Banking's strong gross profit margins reflect efficient cost management and a robust business model, ensuring profitability despite market fluctuations.
Stable Revenue Base
A stable revenue base provides Lloyds with a predictable cash flow, supporting long-term strategic planning and investment in growth opportunities.
Diverse Revenue Streams
Lloyds' diverse revenue streams from banking, insurance, and wealth management reduce dependency on any single market segment, enhancing resilience.
Negative Factors
Rising Leverage
Increasing leverage could strain Lloyds' financial flexibility, posing risks to its ability to manage debt obligations and invest in growth.
Declining Net Profit Margins
A decline in net profit margins indicates potential challenges in maintaining profitability, which could impact shareholder returns and investment capacity.
Negative Free Cash Flow
Negative free cash flow suggests operational inefficiencies and may necessitate external financing, impacting Lloyds' ability to invest in future growth.

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

Lloyds Banking Business Overview & Revenue Model

Company DescriptionLloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom. It operates through three segments: Retail; Commercial Banking; and Insurance and Wealth. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, motor finance, unsecured loans, leasing solutions, and credit cards to personal and small business customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, debt financing, and debt capital market services to small and medium-sized entities, corporates, and financial institutions. The Insurance and Wealth segment offers insurance, investment and wealth management products and services. It also provides digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows brands. Lloyds Banking Group plc was founded in 1695 and is based in London, the United Kingdom.
How the Company Makes MoneyLloyds Banking Group generates revenue primarily through net interest income, which comes from the difference between the interest earned on loans and the interest paid on deposits. Additionally, the bank earns income from fees and commissions related to its various banking services, including transaction fees, account maintenance fees, and advisory services. The group also generates revenue from its insurance and wealth management divisions through premiums and management fees. Key partnerships, such as those with fintech companies, enhance its product offerings and customer reach, further contributing to its earnings. Economic factors, including interest rate changes and housing market trends, also significantly impact the bank's financial performance.

Lloyds Banking Earnings Call Summary

Earnings Call Date:Jul 24, 2025
(Q4-2024)
|
% Change Since: |
Next Earnings Date:Feb 18, 2026
Earnings Call Sentiment Positive
The earnings call highlighted strong financial performance, robust growth in mortgages, deposits, and structural hedge income, alongside a disciplined cost-saving approach. However, the significant provision for motor finance and a decline in commercial lending present notable challenges. Despite these challenges, the company's strategic initiatives and financial metrics indicate a positive outlook.
Q4-2024 Updates
Positive Updates
Strong Financial Performance and Shareholder Returns
Lloyds reported a statutory profit after tax of ÂŁ4.5 billion, or ÂŁ5 billion excluding the Q4 motor provision. This includes a return on tangible equity of 12.3%, or 14% ex-motor. The company also announced a 15% increase in the ordinary dividend and a share buyback of ÂŁ1.7 billion.
Record Mortgage Lending
Lloyds achieved a 20% share of new mortgage lending in 2024, growing the mortgage book by ÂŁ8 billion excluding legacy book securitizations, supported by strategic initiatives and a recovering market.
Structural Hedge Income Growth
Hedge income in 2024 was ÂŁ4.2 billion, which was ÂŁ0.8 billion higher than 2023. The company expects hedge income to increase by ÂŁ1.2 billion in 2025 and a further ÂŁ1.5 billion in 2026.
Strong Deposit Growth
Total deposits increased by ÂŁ11 billion, or 2%, reaching ÂŁ483 billion. The company saw a ÂŁ7 billion growth in deposits in Q4, driven by retail savings and current accounts.
Cost Efficiency and Savings
Lloyds delivered ÂŁ1.2 billion of gross cost savings in 2024, more than offsetting inflationary pressures and supporting investment in strategic initiatives.
Negative Updates
Motor Finance Provision
A ÂŁ700 million provision was taken in Q4 for potential remediation costs relating to motor commission arrangements, bringing the total provision to ÂŁ1.15 billion due to a recent Court of Appeal judgment.
Commercial Lending Decline
Commercial lending balances decreased by ÂŁ1 billion in 2024, although they increased when excluding government-backed lending repayments.
Rising Operating Costs
Operating costs increased by 3% year-on-year to ÂŁ9.4 billion, driven by inflationary pressures and continued investment in strategic initiatives.
Company Guidance
The guidance provided during the call emphasized a robust financial performance for 2024, with significant shareholder distributions and strategic achievements. Key metrics included a statutory profit after tax of ÂŁ4.5 billion, net income of ÂŁ17.1 billion, and an ordinary dividend increase of 15%. The company implemented a share buyback of ÂŁ1.7 billion, despite a ÂŁ700 million provision for Motor finance commissions. The return on tangible equity was 12.3%, or 14% excluding the motor provision. The net interest margin was 2.95%, and operating costs rose by 3% to ÂŁ9.4 billion, aligning with guidance. Asset quality remained solid with an impairment charge of ÂŁ433 million, reflecting an asset quality ratio of 10 basis points. The company is confident in achieving its 2025 guidance, expecting net interest income of around ÂŁ13.5 billion, operating costs of approximately ÂŁ9.7 billion, an asset quality ratio of circa 25 basis points, and capital generation of around 175 basis points. Looking ahead, it reaffirmed its targets for 2026, projecting a return on tangible equity greater than 15% and capital generation exceeding 200 basis points.

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 Revenue17.88B17.57B18.41B20.77B18.71B18.69B
Gross Profit17.88B17.57B18.41B16.05B16.32B15.13B
EBITDA3.95B9.40B10.41B7.17B9.72B3.96B
Net Income4.22B4.42B5.46B3.83B5.78B1.32B
Balance Sheet
Total Assets909.90B906.70B881.45B873.39B886.52B871.27B
Cash, Cash Equivalents and Short-Term Investments62.89B137.01B138.50B139.34B138.16B142.72B
Total Debt77.27B88.52B93.67B91.83B91.84B108.76B
Total Liabilities862.10B860.81B834.09B829.48B833.37B821.86B
Stockholders Equity47.63B45.72B47.16B43.67B52.92B49.18B
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
Positive
Last Price83.80
Price Trends
50DMA
80.10
Positive
100DMA
77.26
Positive
200DMA
69.00
Positive
Market Momentum
MACD
0.79
Negative
RSI
59.89
Neutral
STOCH
74.65
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:LLOY, the sentiment is Positive. The current price of 83.8 is above the 20-day moving average (MA) of 81.74, above the 50-day MA of 80.10, and above the 200-day MA of 69.00, indicating a bullish trend. The MACD of 0.79 indicates Negative momentum. The RSI at 59.89 is Neutral, neither overbought nor oversold. The STOCH value of 74.65 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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
81
Outperform
52.98B9.008.78%1.84%13.03%60.72%
75
Outperform
32.52B9.867.96%2.16%-1.87%55.55%
74
Outperform
42.24B8.7212.20%4.75%7.03%25.89%
73
Outperform
20.39B30.088.22%6.14%-19.71%-53.86%
73
Outperform
ÂŁ49.24B12.4210.21%3.97%-1.72%-8.62%
49
Neutral
13.47B60.135.38%9.03%-38.98%-31.14%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:LLOY
Lloyds Banking
83.80
28.09
50.42%
SCBFF
Standard Chartered
19.43
9.78
101.35%
GB:BARC
Barclays
384.55
162.79
73.41%
GB:LGEN
Legal & General
238.00
31.91
15.48%
GB:NWG
NatWest Group
525.80
202.22
62.49%
GB:AV
Aviva plc
671.80
207.70
44.75%

Lloyds Banking Corporate Events

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.

Stock BuybackBusiness Operations and Strategy
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.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Aug 12, 2025

Lloyds Banking Group PLC announced the purchase of 3,314,480 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 82.6000 to 83.3000 pence per share, with a volume-weighted average price of 82.9781 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 £0.56 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and Strategy
Lloyds Banking Group Executives Acquire Shares Under Incentive Plan
Neutral
Aug 12, 2025

Lloyds Banking Group has announced the acquisition of Partnership and Matching Shares by key managerial personnel under its Share Incentive Plan. This move involves several high-ranking executives, including the CEO of Insurance, Pensions & Investments, the Chief Legal Officer, the Chief Risk Officer, and the Chief Sustainability Officer. The transactions, conducted outside a trading venue, reflect the company’s commitment to aligning managerial interests with shareholder value, potentially impacting the company’s market positioning and stakeholder confidence.

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 BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program with Recent Purchase
Positive
Aug 11, 2025

Lloyds Banking Group PLC has announced the purchase of 3,395,106 of its ordinary shares as part of its ongoing share buyback program. The shares, bought from Morgan Stanley & Co. International plc, were acquired at a volume-weighted average price of 81.7834 pence per share. This move is part of Lloyds’ strategy to enhance shareholder value, with the company intending to cancel the repurchased shares, potentially impacting its share capital and market positioning.

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 BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Aug 8, 2025

Lloyds Banking Group PLC announced the purchase of over 15 million of its ordinary shares as part of its ongoing share buyback program. The shares, acquired at an average price of 80.6303 pence, will be canceled, which is expected to enhance shareholder value by reducing the number of shares in circulation. This move aligns with the company’s strategy to optimize its capital structure and return surplus capital to shareholders, potentially strengthening its market position.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.61 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Aug 7, 2025

Lloyds Banking Group PLC announced the purchase of over 11 million of its own ordinary shares as part of its ongoing share buyback program. The shares were bought from Morgan Stanley & Co. International plc, with the intention to cancel them, 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 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.

Regulatory Filings and Compliance
Lloyds Banking Group Director Acquires Shares, Signaling Confidence
Positive
Aug 7, 2025

Lloyds Banking Group announced that Chris Vogelzang, a Non-Executive Director, acquired 30,500 ordinary shares at a price of 80.06 pence per share on August 6, 2025. This transaction, conducted on the London Stock Exchange, is part of the company’s ongoing regulatory disclosures and reflects the involvement of senior management in the company’s equity, potentially signaling confidence in the company’s future performance.

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 BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Aug 6, 2025

Lloyds Banking Group PLC announced the purchase of 25,309,280 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 80.5932 pence per share. This move is part of the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, potentially increasing earnings per share and improving return on equity.

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 BuybackBusiness Operations and Strategy
Lloyds Banking Group Executes Share Buyback
Positive
Aug 5, 2025

Lloyds Banking Group announced the purchase of 306,826 of its ordinary shares as part of its ongoing share buyback program. The shares were bought from Morgan Stanley & Co. International plc and will be canceled, reflecting 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 Hold with a £0.60 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 ÂŁ25 Billion Note Programme
Neutral
Aug 5, 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 operations and market positioning.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
Aug 4, 2025

Lloyds Banking Group PLC announced the purchase of 258,551 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 79.9600 to 81.8000 pence per share, with a volume-weighted average price of 80.4699 pence. This move is part of the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, which may positively impact earnings per share and market perception.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Legal ProceedingsFinancial DisclosuresRegulatory Filings and Compliance
Lloyds Banking Group Assesses Impact of Supreme Court Judgment on Motor Finance
Neutral
Aug 4, 2025

Lloyds Banking Group has conducted an initial assessment following the Supreme Court’s recent judgment regarding fiduciary duties and commission payments in motor finance. The judgment clarified that motor dealers acting as credit brokers do not owe fiduciary duties to customers, and commission payments do not constitute bribery. However, the Supreme Court found unfairness in a specific case, leading to a refund of commission plus interest. While the judgment provides some clarity, uncertainties remain, particularly concerning the FCA’s upcoming consultation on a potential industry-wide redress scheme. Lloyds believes any changes to its provisions are unlikely to be material. The company continues to perform strongly, with income growth, cost control, and strong capital generation noted in its recent half-year results.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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 Major Share Buyback
Positive
Aug 1, 2025

Lloyds Banking Group PLC has executed a significant transaction involving the repurchase of 41,821,907 of its ordinary shares, as part of its ongoing share buyback program. This strategic move, executed through Morgan Stanley & Co. International plc, is aimed at enhancing shareholder value by reducing the number of shares in circulation, thereby potentially increasing earnings per share and improving market perception.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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 COO Acquires Shares in Strategic Move
Neutral
Aug 1, 2025

Lloyds Banking Group announced that Ron van Kemenade, the Group Chief Operating Officer, has acquired 70,401 ordinary shares of the company following the exercise of a share buyout award. This transaction, executed on July 28, 2025, reflects the company’s ongoing commitment to aligning managerial interests with shareholder value, potentially impacting the company’s operational strategies and market perception.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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 Announces Voting Rights and Capital Structure
Neutral
Jul 31, 2025

Lloyds Banking Group PLC announced the total number of shares with voting rights as of 31 July 2025, amounting to 59,864,290,819 ordinary shares. This figure is crucial for shareholders to determine their notification requirements under the Financial Conduct Authority’s rules, impacting transparency and shareholder engagement.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Jul 31, 2025

Lloyds Banking Group PLC announced the purchase of 41,591,430 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 larger initiative to repurchase up to £1.7 billion of ordinary shares, reflecting the company’s strategic focus on enhancing shareholder value and optimizing its capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Jul 30, 2025

Lloyds Banking Group PLC announced the purchase of over 12 million of its ordinary shares as part of its ongoing share buyback program. This move, executed through Morgan Stanley & Co. International plc, is part of the company’s strategy to manage its capital structure and return value to shareholders by cancelling the repurchased shares.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Delistings and Listing ChangesBusiness Operations and Strategy
Lloyds Banking Group to Redeem $1.5 Billion Convertible Securities
Neutral
Jul 29, 2025

Lloyds Banking Group plc has announced the redemption of its $1.5 billion 7.5% Fixed Rate Reset Additional Tier 1 Perpetual Subordinated Contingent Convertible Securities, with the redemption date set for September 29, 2025. This move will result in the cancellation of the notes’ listing on the Irish Stock Exchange, impacting the company’s capital structure and potentially affecting stakeholders’ interests in these securities.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
Jul 29, 2025

Lloyds Banking Group PLC announced the purchase of over 12 million of its ordinary shares as part of its ongoing share buyback program, with the intention to cancel these shares. This move is part of the company’s strategy to enhance shareholder value and optimize its capital structure, reflecting its strong financial position and commitment to returning capital to shareholders.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Jul 28, 2025

Lloyds Banking Group plc announced the purchase of over two 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, reflecting the company’s strategy to enhance shareholder value. This move is part of a previously announced plan, indicating a continued commitment to optimizing capital structure and returning value to shareholders.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
Jul 25, 2025

Lloyds Banking Group has announced the purchase of 2,907,490 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at prices ranging from 77.0800 to 79.8000 pence 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 £0.60 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
Jul 24, 2025

Lloyds Banking Group has announced the purchase of 9,558,851 of its ordinary shares as part of its ongoing share buyback program. These transactions, executed with Morgan Stanley & Co. International plc, aim to enhance shareholder value by reducing the number of outstanding shares, which can positively impact earnings per share and market perception.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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 ÂŁ25 Billion Note Programme
Neutral
Jul 24, 2025

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

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

DividendsBusiness Operations and StrategyFinancial Disclosures
Lloyds Banking Group Reports Strong 2025 Half-Year Results
Positive
Jul 24, 2025

Lloyds Banking Group reported strong financial performance for the first half of 2025, with a 15% increase in the interim ordinary dividend and a statutory profit after tax of £2.5 billion. The company achieved income growth and maintained robust asset quality, driven by strategic initiatives and enhanced digital capabilities. Lloyds reaffirmed its 2025 guidance and expressed confidence in its 2026 targets, highlighting continued growth in lending, deposits, and capital generation, which are expected to deliver higher returns for shareholders.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Jul 23, 2025

Lloyds Banking Group PLC has announced the purchase of 7,798,722 of its ordinary shares as part of its ongoing share buyback program. These shares, acquired at an average price of 77.7548 pence per share, 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 £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
Jul 22, 2025

Lloyds Banking Group PLC has announced the purchase of 1,066,592 of its ordinary shares as part of its ongoing share buyback program. These shares were acquired from Morgan Stanley & Co. International plc and will be canceled, reflecting the company’s strategy to manage its capital structure and enhance shareholder value.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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
Jul 21, 2025

Lloyds Banking Group PLC announced the purchase of 933,759 of its ordinary shares as part of its ongoing share buyback program. This move, executed through Morgan Stanley & Co. International plc, is aimed at enhancing shareholder value by reducing the number of outstanding shares, which can positively impact earnings per share and share price.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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 Executes Share Buyback of 464,773 Shares
Positive
Jul 18, 2025

Lloyds Banking Group has announced the purchase of 464,773 of its ordinary shares as part of its ongoing share buyback program. The shares were bought at prices ranging from 77.2800 to 77.8400 pence and will be canceled, 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 Hold with a £0.61 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Jul 17, 2025

Lloyds Banking Group PLC announced the purchase of 1,329,188 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 78.2281 pence per share, with the intention to cancel them. This move is in line with the company’s strategy to enhance shareholder value and optimize its capital structure, reflecting a proactive approach to managing its financial resources.

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 BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Jul 16, 2025

Lloyds Banking Group PLC has announced the purchase of 1,654,390 of its ordinary shares from Morgan Stanley & Co. International plc as part of its ongoing share buyback program. The shares were bought at a volume-weighted average price of 76.7971 pence per share 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 £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
Jul 15, 2025

Lloyds Banking Group plc has announced the purchase of 448,587 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 76.2837 pence per share. This move is part of Lloyds’ strategy to enhance shareholder value by reducing the number of shares in circulation, which is expected to positively impact the company’s financial metrics and market positioning.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
Jul 14, 2025

Lloyds Banking Group PLC announced the purchase of over 11.5 million of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at a volume-weighted average price of 76.0854 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 Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
Jul 4, 2025

Lloyds Banking Group PLC announced the purchase of 13,368,122 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at prices ranging from 75.0600 to 76.0000 pence, with a volume-weighted average price of 75.3479 pence. This move is part of the company’s strategy to enhance shareholder value by reducing the number of outstanding shares, which could potentially improve earnings per share and return on equity. The purchased shares are intended to be canceled, indicating a focus on long-term financial health and stability.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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
Jul 3, 2025

Lloyds Banking Group has announced the purchase of over 17 million of its ordinary shares as part of its ongoing share buyback program. The shares, purchased at a volume-weighted average price of 75.1995 pence, will be canceled, which is expected to enhance shareholder value and optimize the company’s capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Jul 2, 2025

Lloyds Banking Group PLC announced the purchase of 33,666,953 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at prices ranging from 72.8600 to 77.5000 pence, with a volume-weighted average price of 74.0586 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 most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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 Executes Share Buyback of Over 6 Million Shares
Positive
Jul 1, 2025

Lloyds Banking Group PLC has announced the purchase of 6,635,300 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 76.5483 pence per share. The company intends to cancel these shares, which is expected to impact its 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.

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

Lloyds Banking Group PLC announced the purchase of 2,222,367 of its ordinary shares as part of its ongoing share buyback program. This initiative, which aims to repurchase up to £1.7 billion of shares, is intended 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 Hold with a £0.60 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 Shareholders on Voting Rights and Capital
Neutral
Jun 30, 2025

Lloyds Banking Group has announced that as of 30 June 2025, it has issued a total of 60,026,170,667 ordinary shares with voting rights. This information is crucial for shareholders to determine their notification obligations under the Financial Conduct Authority’s rules, impacting how they manage their interests in the company.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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
Jun 27, 2025

Lloyds Banking Group PLC announced the purchase of 6,018,311 of its 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 76.6188 pence per share and are intended to be canceled, which may impact the company’s share value and benefit shareholders by potentially increasing earnings per share.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Delistings and Listing ChangesBusiness Operations and Strategy
Lloyds Banking Group to Redeem $1.25 Billion Senior Notes
Neutral
Jun 27, 2025

Lloyds Banking Group plc has announced the redemption of its $1.25 billion 4.716% Senior Callable Fixed-to-Fixed Rate Notes due 2026. The redemption will occur on August 11, 2025, at the principal amount plus any accrued interest, leading to the cancellation of the notes’ listing on the New York Stock Exchange. This move is part of Lloyds’ strategic financial management, potentially impacting its capital structure and market positioning.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Jun 26, 2025

Lloyds Banking Group PLC announced the purchase of 7,442,913 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at a volume-weighted average price of 76.0313 pence and 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 Hold with a £0.60 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 Executes Share Buyback
Positive
Jun 25, 2025

Lloyds Banking Group PLC has executed a share buyback transaction, purchasing 2,286,243 of its ordinary shares from Morgan Stanley & Co. International plc. This transaction is part of the company’s ongoing share buyback program, with the intention to cancel the acquired shares, potentially impacting the company’s share value and benefiting shareholders by reducing the number of shares in circulation.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
Jun 24, 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 acquired from Morgan Stanley & Co. International plc, with the intention to cancel them, reflecting the company’s strategic efforts to manage its capital structure and enhance shareholder value.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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
Jun 23, 2025

Lloyds Banking Group PLC announced the purchase of over 21 million of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at a volume-weighted average price of 75.2984 pence per share, and the company plans to cancel these shares, potentially enhancing shareholder value by reducing the number of shares outstanding.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Executive/Board ChangesBusiness Operations and Strategy
Lloyds Banking Group Executives Acquire Shares in Latest Award Program
Positive
Jun 23, 2025

Lloyds Banking Group announced transactions involving its senior executives acquiring shares under the company’s Fixed Share Award program for the second quarter of 2025. Group Chief Executive Charlie Nunn and Chief Financial Officer William Chalmers acquired 238,593 and 152,181 shares respectively, while John Winter, CEO of Corporate & Institutional Banking, acquired 183,549 shares through a share buyout award. These transactions, conducted at a price of 76.38 pence per share, reflect the company’s ongoing commitment to aligning management incentives with shareholder interests, potentially impacting the company’s market perception and stakeholder confidence.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
Jun 20, 2025

Lloyds Banking Group announced the purchase of over 18 million of its ordinary shares as part of its ongoing share buyback program. The shares were acquired from Morgan Stanley & Co. International and are intended to be canceled, reflecting the company’s strategy to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Executes Share Buyback of 7.5 Million Shares
Positive
Jun 19, 2025

Lloyds Banking Group PLC announced the purchase of 7,568,823 of its ordinary shares as part of its ongoing share buyback program. These transactions, conducted through Morgan Stanley & Co. International plc, were executed at a volume-weighted average price of 75.9855 pence per share. The company plans to cancel these shares, which aligns with its strategy to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Executes Share Buyback
Positive
Jun 18, 2025

Lloyds Banking Group PLC has announced the purchase of 18,063,828 of its ordinary shares from Morgan Stanley & Co. International plc as part of its existing share buyback programme. This move, intended to cancel the acquired shares, reflects the company’s strategic efforts to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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 COO Sells Shares, Maintains Compliance
Neutral
Jun 18, 2025

Lloyds Banking Group PLC announced that Ron van Kemenade, the Group Chief Operating Officer, sold 267,932 ordinary shares at 76.168 pence each on June 17, 2025. Despite this transaction, van Kemenade remains compliant with the company’s shareholding policy. This sale is part of routine transactions by persons discharging managerial responsibilities, reflecting ongoing management of personal investments by senior executives.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
Jun 17, 2025

Lloyds Banking Group PLC announced the purchase of 9,738,351 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at a volume-weighted average price of 76.0027 pence per share and will be canceled, 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 Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
Jun 16, 2025

Lloyds Banking Group has announced the purchase of over 6.3 million 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 77.1787 pence per share. 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 purchased shares are intended to be canceled, aligning with the company’s financial management and capital optimization strategies.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Neutral
Jun 13, 2025

Lloyds Banking Group PLC announced the purchase of 9,891,503 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 76.1446 pence per share, with the intention to cancel them. This move is part of Lloyds’ strategy to manage its capital structure and return value to shareholders, potentially impacting its market positioning and shareholder value.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Executes Share Buyback as Part of Capital Strategy
Positive
Jun 12, 2025

Lloyds Banking Group PLC has executed a share buyback, purchasing over 7.4 million of its ordinary shares from Morgan Stanley & Co. International plc. This move is part of an ongoing buyback program announced earlier in February 2025, with the intention to cancel the acquired shares. The transaction 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 Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Major Share Buyback
Positive
Jun 11, 2025

Lloyds Banking Group PLC announced the purchase of over 18 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 improving market confidence.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
Jun 10, 2025

Lloyds Banking Group announced the purchase of 15,577,465 of its ordinary shares as part of its ongoing share buyback program. This move, executed through Morgan Stanley & Co. International, is part of a strategic effort 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 Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Executive/Board ChangesBusiness Operations and Strategy
Lloyds Banking Group Aligns Executive Interests with Shareholders
Positive
Jun 10, 2025

Lloyds Banking Group announced the acquisition of Partnership Shares and the award of Matching Shares under its Share Incentive Plan for several key executives, including the CEO of Insurance, Pensions & Investments, and the Chief Legal Officer. This move reflects the company’s ongoing commitment to aligning the interests of its management with those of its shareholders, potentially enhancing corporate governance and stakeholder confidence.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program with New Purchase
Positive
Jun 9, 2025

Lloyds Banking Group PLC announced the purchase of 4,460,212 of its ordinary shares as part of its ongoing share buyback program. These shares were acquired from Morgan Stanley & Co. International plc at a volume-weighted average price of 76.6508 pence per share. The company intends 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 Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
Jun 6, 2025

Lloyds Banking Group PLC announced the purchase of 3,892,608 of its ordinary shares as part of its ongoing share buyback program. These shares, bought at a volume-weighted average price of 76.7730 pence, will be canceled, reflecting the company’s strategy to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.75 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value Through Share Buyback
Positive
Jun 5, 2025

Lloyds Banking Group PLC announced the purchase of 1,790,622 of its ordinary shares as part of its ongoing share buyback program, with prices ranging from 75.7800 to 76.5600 pence per share. This move is part of a strategic initiative to enhance shareholder value by reducing the number of outstanding shares, which could potentially improve earnings per share and strengthen the company’s market position.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.75 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Executive/Board ChangesBusiness Operations and Strategy
Lloyds Banking Group Appoints Chris Vogelzang as Non-Executive Director
Positive
Jun 5, 2025

Lloyds Banking Group has announced the appointment of Chris Vogelzang as an independent Non-Executive Director and a member of the Responsible Business Committee, effective June 16, 2025. Vogelzang brings extensive experience in retail and commercial banking, with a strong background in technological transformation, having previously held senior roles at Danske Bank and ABN AMRO. This appointment is expected to bolster Lloyds’ strategic direction and enhance its governance, potentially impacting its operational efficiency and market positioning.

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 BuybackBusiness Operations and Strategy
Lloyds Banking Group Executes Share Buyback
Positive
Jun 4, 2025

Lloyds Banking Group PLC announced the purchase of 12,358,692 of its ordinary shares as part of its ongoing share buyback program. These transactions, executed through Morgan Stanley & Co. International plc, are intended to be cancelled, reflecting the company’s strategic financial management and commitment to returning value to shareholders.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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
Jun 3, 2025

Lloyds Banking Group PLC announced the purchase of over 12 million 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 market perception of the company.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Programme
Positive
Jun 2, 2025

Lloyds Banking Group PLC has announced the purchase of over 12 million of its ordinary shares as part of an ongoing share buyback programme. This move, executed through Morgan Stanley & Co. International plc, is aimed at enhancing shareholder value by reducing the number of shares in circulation. The company plans to cancel the purchased shares, which reflects a strategic effort to optimize its capital structure and potentially improve earnings per share. This action is in line with the company’s previously announced buyback plans and complies with relevant market regulations.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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
Positive
May 30, 2025

Lloyds Banking Group PLC has announced the purchase of 12,280,113 of its ordinary shares as part of its ongoing share buyback program. This move, executed through Morgan Stanley & Co. International plc, is part of a larger initiative to repurchase up to £1.7 billion of shares, with the company having already acquired 828,268,448 shares. The repurchased shares are intended for cancellation, 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 £0.60 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 Announces Voting Rights and Capital Update
Neutral
May 30, 2025

Lloyds Banking Group PLC announced that as of May 30, 2025, the total number of shares issued with voting rights is 60,241,067,057 ordinary shares. This figure, which includes shares represented by American Depositary Receipts, is crucial for shareholders to determine their notification requirements under the Financial Conduct Authority’s Disclosure Guidance and Transparency Rules.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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
May 29, 2025

Lloyds Banking Group PLC announced the purchase of over 12 million of its ordinary shares as part of its ongoing share buyback program. The shares were acquired from Morgan Stanley & Co. International plc at prices ranging from 76.34 to 77.58 pence per share, with the intention to cancel them, reflecting the company’s strategy to enhance shareholder value.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

DividendsBusiness Operations and Strategy
Lloyds Banking Group Announces Share Acquisition by Director
Neutral
May 29, 2025

Lloyds Banking Group PLC announced a transaction involving Catherine Woods, a Non-Executive Director, and James Woods, a closely associated person, who acquired 3,175 ordinary shares through the reinvestment of the final dividend for 2024. This transaction, conducted on the London Stock Exchange, reflects the group’s ongoing commitment to aligning managerial interests with shareholder value, potentially impacting investor confidence and market perception.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Initiative
Positive
May 28, 2025

Lloyds Banking Group PLC announced the purchase of 12,220,890 of its ordinary shares as part of its ongoing share buyback program. The shares were bought from Morgan Stanley & Co. International plc and will be canceled, reflecting 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 Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
May 27, 2025

Lloyds Banking Group PLC announced the purchase of over 12 million 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 the company’s market positioning.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
May 23, 2025

Lloyds Banking Group announced the purchase of over 12 million of its ordinary shares as part of its ongoing share buyback program. The transaction, executed through Morgan Stanley, reflects the company’s strategy to manage its capital structure and return value to shareholders by canceling the repurchased shares.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

DividendsBusiness Operations and Strategy
Lloyds Banking Group Announces Managerial Share Transactions
Neutral
May 23, 2025

Lloyds Banking Group PLC announced the acquisition of shares by several key managerial personnel through the reinvestment of the final dividend for the year ended 2024. The transactions involved notable figures such as Kate Cheetham, Stephen Shelley, Jasjyot Singh, and John Winter, who acquired shares as part of the company’s Share Incentive Plan. Additionally, Joanna Harris, CEO of Mass Affluent, sold 400,000 shares, aligning with the Group’s shareholding policy. These transactions reflect the company’s ongoing commitment to align managerial interests with shareholder value, potentially impacting its market positioning and stakeholder confidence.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
May 22, 2025

Lloyds Banking Group PLC announced the purchase of 6,446,210 of its ordinary shares as part of its ongoing share buyback program. The shares were bought from Morgan Stanley & Co. International plc, with the highest price paid per share being 78.5 pence and the lowest 77.48 pence. The company plans to cancel these shares, which aligns with its strategy to enhance shareholder value and optimize capital structure. This move is part of a broader initiative to manage the company’s capital efficiently, potentially impacting its market positioning and shareholder returns.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
May 21, 2025

Lloyds Banking Group plc announced the purchase of 320,000 of its own ordinary shares as part of its existing share buyback programme. The shares were bought from Morgan Stanley & Co. International plc at a volume-weighted average price of 78.3098 pence per share. This move is part of the company’s strategy to enhance shareholder value by reducing the number of shares in circulation, thereby potentially increasing earnings per share and improving market perception. The purchased shares are intended to be cancelled, aligning with the company’s ongoing efforts to manage its capital structure efficiently.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
May 20, 2025

Lloyds Banking Group PLC announced the purchase of 1,477,837 of its ordinary shares as part of its existing share buyback program. The shares were bought from Morgan Stanley & Co. International plc, with prices ranging from 76.7600 to 77.7800 pence per share. This move is part of the company’s strategy to enhance shareholder value by reducing the number of outstanding shares, which may positively impact its stock price and earnings per share.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Delistings and Listing ChangesBusiness Operations and Strategy
Lloyds Banking Group Announces Block Listing of 285 Million Shares
Positive
May 20, 2025

Lloyds Banking Group PLC has applied for a block listing of 285 million ordinary shares to be traded on the London Stock Exchange, aimed at fulfilling obligations under several share plans, including the Deferred Bonus Plan 2021 and the Long Term Share Plan 2020. This move is expected to enhance the company’s capital management strategies and provide more flexibility in rewarding employees, potentially strengthening its market position and aligning stakeholder interests.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Enhances Shareholder Value with Share Buyback
Positive
May 19, 2025

Lloyds Banking Group PLC announced the purchase of 4,298,648 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 enhance shareholder value by reducing the number of shares in circulation, potentially impacting its stock price and market perception positively.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Stock BuybackBusiness Operations and Strategy
Lloyds Banking Group Advances Share Buyback Program
Positive
May 16, 2025

Lloyds Banking Group PLC announced the purchase of 621,131 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, reflecting the company’s strategy to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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’s Key Executive Engages in Strategic Share Transactions
Neutral
May 16, 2025

Lloyds Banking Group announced that Kate Cheetham, Chief Legal Officer and Company Secretary, executed a significant transaction involving the acquisition and subsequent disposal of shares under the Lloyds Banking Group Sharesave Scheme 2017. Cheetham acquired 17,177 shares at 39.40 pence each and sold them at 73.76 pence, followed by a sale of 681,637 shares at 74.74 pence. These transactions are in compliance with the Group’s shareholding policy, reflecting strategic financial management by key personnel.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Private Placements and FinancingBusiness Operations and Strategy
Lloyds Banking Group Publishes Final Terms for GBP 750 Million Notes
Positive
May 16, 2025

Lloyds Banking Group has announced the publication of the final terms for its GBP 750 million 5.250% Fixed Rate Reset Callable Notes due in 2031, as part of its £25 billion Euro Medium Term Note Programme. This issuance is significant for Lloyds as it strengthens its capital structure and supports its long-term funding strategy, potentially impacting its market positioning and offering opportunities for eligible institutional investors.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.60 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: Aug 23, 2025