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Lloyds Banking Group PLC (GB:LLOY)
LSE:LLOY

Lloyds Banking (LLOY) AI Stock Analysis

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GB:LLOY

Lloyds Banking

(LSE:LLOY)

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Neutral 69 (OpenAI - 5.2)
Rating:69Neutral
Price Target:
114.00p
▲(8.11% Upside)
The score is held back primarily by weaker financial quality signals—especially negative free cash flow and higher leverage—despite supportive technical strength and a clearly positive earnings-call outlook with upgraded 2026 targets and increased capital returns. Valuation is a mild headwind given the P/E relative to the dividend yield.
Positive Factors
Balance sheet growth
Sustained lending and deposit expansion reflects durable franchise strength and customer retention, supporting net interest income and funding stability. A growing loan book and deposit base underpin scalable revenue and reduce reliance on wholesale funding over the coming years.
Diversified income mix
Simultaneous NII growth and rising other operating income indicate a broader revenue base. Diversification via wealth, insurance and fee income helps buffer margin cycles, improving structural resilience versus pure lending peers and supporting long‑term earnings stability.
Digital and AI scaling
Meaningful GenAI deployment and large tech hiring point to structural efficiency gains and revenue enablement. Realized P&L benefits and scalable use cases can sustainably lower operating costs and enhance product delivery, aiding the bank's cost/income improvement targets.
Negative Factors
Negative free cash flow
Sharp negative free cash flow weakens cash generation and heightens reliance on external financing or capital actions to fund operations and distributions. Over multiple quarters this undermines financial flexibility and could constrain strategic investments or shareholder returns.
Rising leverage
Higher leverage and a lower equity ratio increase vulnerability to credit losses and regulatory constraints. Structural reliance on debt heightens capital sensitivity and may limit room for aggressive lending or dividend policy changes if macro stress or RWA shocks occur.
Elevated costs and remediation
Persistently high operating costs and material remediation charges weigh on headline profitability and slow margin recovery. Even with cost savings targets, execution risk and recurring remediation or margin pressure in mortgages could keep cost/income elevated for several quarters.

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 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:Jan 29, 2026
(Q4-2025)
|
% Change Since: |
Next Earnings Date:Jul 23, 2026
Earnings Call Sentiment Positive
The call conveyed a clearly positive operational and financial momentum: sustained revenue growth (NII +6%, OOI +9%), strong balance sheet expansion (lending +5%, deposits +3%), sizeable cost savings (~GBP 1.9bn) and scaled digital/AI benefits, combined with upgraded 2026 targets (RoTE >16%, NII guidance ~GBP 14.9bn, capital generation >200 bps) and constructive capital returns (15% dividend increase and up to GBP 1.75bn buyback). Notable headwinds and one-off items — principally the GBP 800m motor remediation charge, elevated cost/income in 2025, mortgage margin pressure and some quarter‑to‑quarter deposit volatility — were acknowledged and quantified, but management presented actionable plans and guidance to more than offset these in 2026. Overall, positives materially outweigh the negatives.
Q4-2025 Updates
Positive Updates
Strong overall financial results
Statutory profit after tax of GBP 4.8 billion; net income GBP 18.3 billion, up 7% year-on-year; return on tangible equity 12.9% (14.8% excluding Q3 motor provision).
Net interest income and margin expansion
Net interest income (NII) of GBP 13.6 billion, up 6% year-on-year; average interest-earning assets up ~3%; full-year NIM 3.06% (up 11 basis points) and Q4 NIM 3.10% (up 4 basis points); guidance for NII of around GBP 14.9 billion in 2026.
Other operating income growth and diversification
Other operating income (OOI) GBP 6.1 billion, up 9% year-on-year; growth broad-based (Retail +12%, Insurance/Pensions/Investments +11%, Equity investments +15%); OOI expected to benefit from full Lloyds Wealth acquisition with expected ~GBP 0.9 billion other income contribution for 2026 strategic initiatives.
Balance sheet momentum — lending and deposits
Lending balances closed at GBP 481 billion, up GBP 22 billion (5%); mortgages GBP 323 billion, up GBP 10.8 billion (3%) with a ~19% flow share; total deposits GBP 496.5 billion, up GBP 13.8 billion (3%) for the year.
Capital generation and shareholder returns
Capital generation of 147 basis points in 2025 (178 bps excluding motor provision); CET1 ratio 13.2%; Board recommending a 15% increase in ordinary dividend (total 3.65p) and a share buyback of up to GBP 1.75 billion (total capital return up to GBP 3.9 billion, +8% vs 2024); target to consider excess capital distributions semi-annually and 2026 capital generation expected >200 bps.
Strategic initiative delivery and efficiency gains
Circa GBP 1.4 billion of additional revenue from strategic initiatives to date and upgraded 2026 target to circa GBP 2 billion; circa GBP 1.9 billion of gross cost savings realized since 2021; target cost/income ratio below 50% in 2026 (operating expenses expected < GBP 9.9 billion).
Digital and AI progress
Scaled 50 Gen AI use cases into production in 2025 generating GBP 50 million of in-year P&L benefit; expect >GBP 100 million of Gen/agentic AI P&L benefit in 2026; circa 9,000 technology and data hires since 2021 and mobile app users up ~45% since 2021.
RWA optimisation and regulatory tailwind
Delivered GBP 24 billion of gross RWA optimisation since 2021; expect Basel 3.1 day‑1 RWA reduction of around GBP 6–8 billion on implementation (1 Jan 2027), supporting stronger capital headroom.
Negative Updates
Remediation and motor provision impact
Remediation charges for 2025 were GBP 968 million, including an GBP 800 million additional motor finance provision taken in Q3; this provision materially reduced headline RoTE (statutory RoTE 12.9% vs 14.8% excluding motor provision).
Costs and cost/income still elevated
Operating costs rose to GBP 9.76 billion, up 3% year-on-year (2.3% underlying excluding severance and Lloyds Wealth); 2025 cost/income ratio was 58.6% (53.3% excluding remediation) — target is <50% for 2026 but 2025 ratio remains relatively high.
Mortgage headwinds and competitive margin pressure
Mortgage completion margins around 70 basis points but experienced 1–2 basis points tightening in Q4; anticipated mortgage headwind in 2026 as COVID-era higher-margin loans mature and competition remains strong, creating pressure on front-end margins.
Deposit and commercial short-term volatility
Q4 deposits were slightly down (Q4 -GBP 0.2 billion) with commercial deposits down GBP 1.5 billion in Q4 (seasonality and active management of low-margin funding); deposit churn remains a headwind to NII though expected to ease in 2026.
Credit and impairment nuance
Full-year impairment charge GBP 795 million (asset quality ratio 17 basis points); management noted the 'underlying' charge is nearer just below 25 basis points and Q4 impairment was GBP 177 million (14 bps) including a GBP 47 million MES charge — indicating sensitivity to macro assumptions.
One-off and lumpy items affecting comparatives
Operating lease depreciation rose 10% to GBP 1.45 billion due to fleet growth and EV price movements; CRD IV implementation and other regulatory/model changes created RWA and other timing effects (e.g., GBP 2 million related to CRD IV in Q4) which add near-term complexity.
Company Guidance
Management upgraded 2026 guidance and reiterated targets: NII about £14.9bn (from £13.6bn in 2025), return on tangible equity >16% (2025: 12.9% statutory / 14.8% excl. motor), cost/income ratio <50% in 2026 (2025: 58.6% / 53.3% excl. remediation), net income 2025 £18.3bn, other operating income £6.1bn in 2025 (+9%) with other‑income contribution to upgraded strategic revenue ~£0.9bn and a 2026 strategic initiatives revenue target of c.£2bn (c.£1.4bn delivered to date), gross cost savings c.£1.9bn since 2021, operating costs £9.76bn in 2025 with guidance for <£9.9bn in 2026, capital generation >200bps in 2026 (147bps in 2025; 178bps excl. motor), CET1 13.2% at FY25 with a target of ~13% by end‑2026, proposed ordinary dividend +15% to total 3.65p and a share buyback of up to £1.75bn (total capital return up to £3.9bn), structural hedge income ~£7bn in 2026 (c.£5.5bn in 2025) rising to ~£8bn in 2027, RWAs £235.5bn (up £10.9bn) with expected Basel‑3.1 day‑1 RWA relief of c.£6–8bn on 1 Jan 2027, lending £481bn (up £22bn, +5%) including mortgages £323bn (up £10.8bn, c.19% flow share), impairment charge £795m (asset quality ratio 17bps; guidance ~25bps for 2026), TNAV 57p (up 4.6p), and material GenAI benefits scaling from c.£50m P&L in 2025 (50 use cases) to >£100m in 2026.

Lloyds Banking Financial Statement Overview

Summary
Income statement is solid but softening (net margin down from 29.7% to 25.2% and revenue down ~4.6% YoY). Balance sheet leverage increased (debt-to-equity up to 3.37 and equity ratio down to 4.4%). Cash flow is the main drag with sharply negative free cash flow (-9.9bn) and weak profit-to-cash conversion.
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
Positive
Last Price105.45
Price Trends
50DMA
97.41
Positive
100DMA
91.57
Positive
200DMA
83.93
Positive
Market Momentum
MACD
2.02
Negative
RSI
72.60
Negative
STOCH
85.95
Negative
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 105.45 is above the 20-day moving average (MA) of 101.71, above the 50-day MA of 97.41, and above the 200-day MA of 83.93, indicating a bullish trend. The MACD of 2.02 indicates Negative momentum. The RSI at 72.60 is Negative, neither overbought nor oversold. The STOCH value of 85.95 is Negative, 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
78
Outperform
£66.23B11.499.72%1.50%14.18%46.12%
75
Outperform
£52.44B9.9714.96%3.85%4.27%26.21%
69
Neutral
£61.40B14.898.08%3.41%-22.85%-21.12%
68
Neutral
£2.15B8.5812.04%5.34%-7.30%-27.83%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
66
Neutral
£1.39B0.5512.71%24.32%122.52%
62
Neutral
£899.52M8.429.14%-29.12%964.19%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:LLOY
Lloyds Banking
105.45
46.09
77.64%
GB:BARC
Barclays
479.60
190.29
65.77%
GB:MTRO
Metro Bank
132.60
30.40
29.75%
GB:NBS
Nationwide Building Society
13,300.00
250.00
1.92%
GB:OSB
OSB Group PLC
602.50
210.28
53.61%
GB:NWG
NatWest Group
653.40
242.90
59.17%

Lloyds Banking Corporate Events

Business Operations and StrategyExecutive/Board Changes
Lloyds Banking Group Appoints Chris Vogelzang to Board Risk Committee
Positive
Jan 29, 2026

Lloyds Banking Group has announced that Non-Executive Director Chris Vogelzang will join the Board Risk Committee, effective 1 April 2026. The appointment underscores the bank’s continued focus on strengthening its risk oversight at board level, which is a key element of governance for a large, systemically important UK banking group and relevant to regulators, investors and other stakeholders monitoring its risk management framework.

The most recent analyst rating on (GB:LLOY) stock is a Hold 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 BuybackDividendsFinancial Disclosures
Lloyds Banking Group Lifts Payouts and Guidance on Back of Strong 2025 Performance
Positive
Jan 29, 2026

Lloyds Banking Group reported strong unaudited results for 2025, marking continued progress in the second phase of its five-year strategic plan. Statutory profit before tax rose to £6.7 billion from £6.0 billion, supported by a 7% increase in net income to £18.3 billion, higher net interest income and other income, and disciplined cost control, despite higher operating expenses, remediation charges—particularly a £800 million provision for motor finance commission issues—and increased impairments. The bank delivered 5% growth in loans and advances to £481.1 billion and 3% deposit growth to £496.5 billion, while maintaining strong credit quality with an asset quality ratio of 17 basis points. Capital generation remained robust, with a pro forma CET1 ratio of 13.2% after allowing for a higher ordinary dividend and a planned £1.75 billion share buyback, taking total 2025 capital returns to about £3.9 billion and lifting tangible net asset value per share to 57.0 pence. Management highlighted £1.4 billion of annualised additional revenue from strategic initiatives in 2025, increased its target to about £2 billion by end-2026, and underscored ongoing cost savings of £1.9 billion since 2021, driven by transformation and scale efficiencies. For 2026, Lloyds has upgraded its guidance, now expecting underlying net interest income of about £14.9 billion, a cost:income ratio below 50%, a return on tangible equity above 16%, and capital generation of more than 200 basis points, signalling confidence in the culmination of its current strategy and reinforcing its positioning as a well-capitalised, high-return UK banking leader capable of sustaining attractive shareholder distributions.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £117.00 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 to Redeem €500m Senior Floating-Rate Notes One Year Early
Neutral
Jan 22, 2026

Lloyds Banking Group has exercised its call option to redeem in full its €500 million Floating Rate Senior Unsecured Callable Notes due 2027 on 5 March 2026, one year ahead of their scheduled maturity. The bank confirmed that all conditions for early redemption have been satisfied and that noteholders are not required to take any action, with the securities to be repaid at their early redemption amount plus any accrued interest, a move that forms part of the group’s ongoing capital and liability management strategy.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £106.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Business Operations and StrategyDelistings and Listing ChangesRegulatory Filings and Compliance
Lloyds Banking Group Updates Market on Unallotted Shares After End of UK Block Listing Regime
Neutral
Jan 19, 2026

Lloyds Banking Group has outlined the status of shares previously block listed under the now-removed UK block listing regime, following recent changes to the UK Listing Rules that automatically list any future shares allotted under its share plans. The bank detailed the remaining unallotted shares across its various employee and executive incentive schemes, including the Sharesave Scheme, Share Incentive Plan, Executive Group Ownership Share Plan, Deferred Bonus Plan, and Long Term Share Plan, totaling hundreds of millions of shares that will be issued to participants in line with each plan’s terms. Lloyds said it intends to announce share allotments within 60 days of issuance and will report any future allotments under its share plans in line with its ongoing regulatory disclosure obligations, underscoring continued transparency around its equity-based compensation structures.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £107.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Executive/Board ChangesRegulatory Filings and Compliance
Lloyds Banking Group Executives Acquire Shares Under Ongoing Incentive Plan
Neutral
Jan 13, 2026

Lloyds Banking Group has disclosed routine share transactions by several senior executives under its Share Incentive Plan, detailing the January 9 acquisition of partnership and matching ordinary shares of 10 pence each by a number of persons discharging managerial responsibilities, including the CEOs of Insurance, Pensions & Investments and Consumer Relationships, as well as the Chief Legal Officer, Chief People and Places Officer, Chief Risk Officer, and the Chief Sustainability and Corporate Affairs Officer. The activity, which took place outside a trading venue, reflects the ongoing use of equity-based remuneration to align leadership interests with those of shareholders and signals continued executive participation in the group’s long-term incentive structures rather than any change in strategic direction or capital position.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £1.20 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 Confirms Voting Share Capital as of Year-End 2025
Neutral
Dec 31, 2025

Lloyds Banking Group has confirmed that, as of 31 December 2025, it has 58,885,743,602 ordinary shares of 10p in issue carrying full voting rights at general meetings, including those represented by American Depositary Receipts, and that no shares are held in treasury. This share count serves as the reference figure for investors and other stakeholders to calculate whether they must disclose holdings or changes in their interests under the UK Financial Conduct Authority’s Disclosure Guidance and Transparency Rules, reinforcing transparency in the bank’s shareholder base and regulatory reporting.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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 Executives Receive Q4 2025 Fixed Share Awards
Neutral
Dec 22, 2025

Lloyds Banking Group has disclosed that Group Chief Executive Charlie Nunn and Chief Financial Officer William Chalmers have acquired ordinary shares under the bank’s Fixed Share Award for the fourth quarter of 2025. After deductions for income tax and national insurance, Nunn received 189,614 shares and Chalmers 120,941 shares at an acquisition price of 96.11 pence per share, with the awards to be held on their behalf and released in three equal annual tranches from 18 December. The transactions, conducted on the London Stock Exchange, underline the alignment of top management’s remuneration with shareholder value and long-term performance, in line with previously disclosed pay structures in the bank’s 2024 annual report.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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 Share Incentive Plan
Positive
Dec 10, 2025

Lloyds Banking Group PLC announced the acquisition of Partnership Shares and the award of Matching Shares under its Share Incentive Plan for several key executives. This move reflects the company’s ongoing commitment to aligning managerial interests with shareholder value, potentially enhancing stakeholder confidence and reinforcing its market position.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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’s Jayne Opperman Sells Shares in Strategic Move
Neutral
Dec 9, 2025

Lloyds Banking Group announced that Jayne Opperman, CEO of Consumer Lending and a person discharging managerial responsibilities, sold 688,578 ordinary shares at a price of 95.30 pence each on the London Stock Exchange. This transaction aligns with the company’s shareholding policy requirements, indicating a strategic move to maintain compliance and potentially optimize financial positioning.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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 Completes £1.7 Billion Share Buyback Programme
Positive
Dec 9, 2025

Lloyds Banking Group has successfully completed a £1.7 billion share buyback programme, initially announced in February 2025. Managed by Morgan Stanley, the programme involved the repurchase of over 2.2 billion ordinary shares, potentially enhancing shareholder value and reflecting the company’s strong financial position.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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
Dec 8, 2025

Lloyds Banking Group PLC announced the repurchase of approximately 9.98 million of its ordinary shares as part of its ongoing share buyback program. The shares were purchased from Morgan Stanley & Co. International plc at prices ranging between 95.0600 and 95.9200 pence per share, with a volume-weighted average price of 95.4634 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 Buy with a £108.00 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 Executes Share Buyback of Over 9 Million Shares
Positive
Dec 5, 2025

Lloyds Banking Group announced the purchase of 9,771,583 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at a volume-weighted average price of 96.5735 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 £102.00 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
Dec 4, 2025

Lloyds Banking Group PLC announced the purchase of 9,877,811 of its ordinary shares as part of its ongoing share buyback program. The shares were bought at prices ranging from 95.9400 to 97.3200 pence, with a volume-weighted average price of 96.5963 pence. This transaction, executed through Morgan Stanley & Co. International plc, aligns with 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 Hold with a £102.00 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
Dec 3, 2025

Lloyds Banking Group PLC announced the purchase of 9,845,337 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 between 95.5600 and 97.0400 pence, with an average price of 96.2883 pence per share. The company plans to cancel the purchased shares, which is a strategic move to enhance shareholder value. This transaction aligns with the company’s previously announced instructions and complies with relevant market regulations.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £102.00 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 Purchase
Positive
Dec 2, 2025

Lloyds Banking Group plc announced the purchase of 9,839,704 of its ordinary shares as part of its ongoing share buyback program. The shares were bought at a volume-weighted average price of 96.8992 pence per share and will be canceled, aligning with the company’s strategic financial management efforts to optimize shareholder value.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.97 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 Disclosures
Lloyds Banking Group Passes Bank of England Stress Test with Strong Performance
Positive
Dec 2, 2025

Lloyds Banking Group has successfully passed the Bank of England’s 2025 Bank Capital Stress Test, demonstrating its resilience in a severe global economic scenario. The Group’s strong capital and leverage ratios indicate its ability to withstand economic shocks, ensuring continued lending to UK households and businesses without the need for additional capital actions.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.97 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
Dec 1, 2025

Lloyds Banking Group PLC announced the purchase of over 5.5 million of its ordinary shares as part of its ongoing share buyback program. This move is part of a larger initiative to repurchase up to £1.7 billion worth of shares, with the company having already acquired over 2.1 billion shares. The purchased shares will be canceled, which is expected to enhance shareholder value and improve the company’s capital efficiency.

The most recent analyst rating on (GB:LLOY) stock is a Hold with a £0.97 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
Nov 28, 2025

Lloyds Banking Group PLC announced that as of 28 November 2025, it has issued a total of 58,933,895,530 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 £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 27, 2025

Lloyds Banking Group PLC has announced the purchase of 257,096 of its ordinary shares as part of its ongoing share buyback program. These shares were acquired from Morgan Stanley & Co. International plc, with the company intending to cancel them, reflecting 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 £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 Strategy
Positive
Nov 26, 2025

Lloyds Banking Group PLC announced the purchase of 4,298,976 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 89.9200 to 92.0000 pence, with a volume-weighted average price of 91.0916 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 strengthen its market position.

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 New Purchase
Positive
Nov 25, 2025

Lloyds Banking Group PLC announced the purchase of 10,643,698 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at prices ranging from 88.7600 to 90.6400 pence per share, with a volume-weighted average price of 89.9567 pence. This transaction, executed through Morgan Stanley & Co. International plc, is part of the company’s strategy to enhance shareholder value by reducing the number of outstanding shares. The purchased shares are intended to be canceled, which could positively impact the company’s earnings per share and return on equity, thereby potentially benefiting shareholders.

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 24, 2025

Lloyds Banking Group PLC has announced the purchase of 10,840,399 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at a volume-weighted average price of 87.5549 pence per share and will be canceled, reflecting the company’s strategy to return capital to shareholders and potentially enhance shareholder value.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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 21, 2025

Lloyds Banking Group PLC has announced the purchase of 10,948,338 of its own 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 86.8194 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 lead to an increase in earnings per share and a stronger market position.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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 Executives Sell Shares in Compliance with Policy
Neutral
Nov 21, 2025

Lloyds Banking Group PLC announced the sale of ordinary shares by two of its senior executives, Chirantan Barua and Andrew Walton. Barua, the CEO of Insurance, Pensions & Investments, sold 86,799 shares, while Walton, the Chief Sustainability Officer and Chief Corporate Affairs Officer, sold 597,196 shares. These transactions are part of the executives’ compliance with the company’s shareholding policy. The sales took place on the London Stock Exchange and reflect ongoing adherence to corporate governance standards, potentially impacting investor perceptions and market dynamics.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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 20, 2025

Lloyds Banking Group PLC announced the purchase of 10,786,884 ordinary shares as part of its ongoing share buyback program. The shares were acquired from Morgan Stanley & Co. International plc, with the highest price per share at 88.6800 pence and the lowest at 87.5000 pence. This move is part of the company’s strategy to enhance shareholder value by reducing the number of outstanding shares, which could potentially impact its market positioning and stakeholder interests.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 price target. To see the full list of analyst forecasts on Lloyds Banking stock, see the GB:LLOY Stock Forecast page.

Delistings and Listing Changes
Lloyds Banking Group Announces Block Listing of 195 Million Shares
Neutral
Nov 20, 2025

Lloyds Banking Group PLC has applied for a block listing of 195 million ordinary shares on the London Stock Exchange, which will be allocated across several company plans, including the Executive Group Ownership Plan and the Sharesave Scheme. This move is expected to enhance the company’s share liquidity and fulfill obligations under these plans, with the shares anticipated to be admitted to trading on 24 November 2025.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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 Executes Share Buyback
Positive
Nov 19, 2025

Lloyds Banking Group PLC announced the purchase of 10,783,182 of its own ordinary shares as part of its ongoing share buyback program. The shares were acquired at a volume-weighted average price of 88.0036 pence per share and will be canceled, reflecting the company’s strategy to return capital to shareholders and manage its capital structure efficiently.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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 with Nathan Bostock’s New Role
Neutral
Nov 19, 2025

Lloyds Banking Group announced that Nathan Bostock, an independent non-executive director of the Group, will join the board of Jupiter Fund Management as a non-executive director and Chair designate starting March 2026. This move is subject to regulatory approval and is expected to strengthen Jupiter’s leadership, with Bostock taking on the role of Chair in April 2026. Additionally, Bostock will continue his role as a non-executive director at Centrica until July 2026, indicating his continued influence in the financial and energy sectors.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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 Acquires Fintech Innovator Curve
Positive
Nov 19, 2025

Lloyds Banking Group has announced its acquisition of Curve, a fintech company based in London known for its innovative digital wallet platform. This strategic move aims to accelerate Lloyds’ digital transformation by integrating Curve’s technology into its existing digital services, enhancing the payment experience for its 28 million customers. The acquisition, expected to be finalized in the first half of 2026, will not materially impact Lloyds’ financial outlook for 2025 or 2026, but it marks a significant step in the company’s strategy to lead in digital finance.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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 18, 2025

Lloyds Banking Group PLC announced the purchase of 10,746,118 of its ordinary shares as part of its ongoing share buyback program. The shares were acquired at a volume-weighted average price of 88.5468 pence per share, with the intention to cancel them, which reflects the company’s strategy to return capital to shareholders and potentially enhance shareholder value.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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 Significant Share Purchase
Positive
Nov 17, 2025

Lloyds Banking Group PLC has announced the purchase of 10,403,823 of its ordinary shares as part of its ongoing share buyback program. These shares were acquired from Morgan Stanley & Co. International plc at prices ranging from 90.6200 to 91.9400 pence per share, with a volume-weighted average price of 91.1524 pence. The company plans to cancel the repurchased shares, which is a strategic move to enhance shareholder value by reducing the number of shares outstanding.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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 14, 2025

Lloyds Banking Group PLC announced the purchase of over 10 million of its ordinary shares as part of its ongoing share buyback program. This strategic move, executed through Morgan Stanley, aims to enhance shareholder value by reducing the number of shares in circulation, potentially increasing earnings per share and strengthening the company’s market position.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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
Neutral
Nov 13, 2025

Lloyds Banking Group PLC announced the purchase of 9,995,770 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 95.6800 pence and the lowest at 94.2000 pence. This move is part of the company’s strategy to manage its capital structure and return value to shareholders, with the intention to cancel the purchased shares, potentially impacting the company’s stock value and shareholder equity.

The most recent analyst rating on (GB:LLOY) stock is a Buy with a £108.00 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 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.

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: Jan 29, 2026