Lloyds Banking Group

Lloyds Banking Group is a financial services provider. Co.'s main business activities are retail and commercial banking, general insurance and long-term savings. Co.'s Lending products are mortgages, credit cards, personal and business loans; Deposit products include taking Current accounts and savings accounts; Insurance products are home insurance, motor insurance and protection; Commercial financing products includes term lending, debt capital markets and private equity; and Risk management products includes interest rate hedging, currency and liquidity. As of Dec 31 2017, Co. had total assets of £812.1 million and total deposits of £448.0 million.
  • TickerLLOY
  • ISINGB0008706128
  • ExchangeLondon Stock Exchange
  • SectorBanks
  • CountryUnited Kingdom

Analysts

2 directors sold

Two Directors at Lloyds Banking Group sold 1,830,000 shares at between 60p and 61p. The significance rating of the trade was 75/100. Is that information sufficient for you to make an investment decision? This report gives details of those trades and adds context and analysis to them such that you can judge whether these trading decisions are ones worth following. Included in the report is a detailed share price chart which plots discretionary trades by all the company's directors over the last two years clearly showing Close periods where trading activity is restricted under listing rules. ...

Lloyds Banking Group plc: Lloyds 2018 results: stable ongoing profits and robust efficiency; some restructuring and conduct costs remain

Lloyds reports a 24% increase in net profit, driven by higher net interest income and lower remediation costs and charges against claims for mis-selling of payment protection insurance (PPI)

Derya Guzel

Morningstar | Lloyds Closes 2018 and Increases Shareholder Distributions

Narrow-moat Lloyds Banking Group reported full-year 2018 profits after tax of GBP 4.4 billion, in line with our expectations. We plan to roll our model forward and update our analysis with 2018 figures as well as 2019 guidance, but we don’t expect to materially change our fair value estimate of GBX 76/$3.90 per share. Our narrow moat and stable trend ratings are unchanged. On an underlying basis--excluding restructuring expenses, volatility items, and payment protection insurance provisions--Lloyds recorded a solid full-year performance. Net interest income increased 3% while operating costs ...

Derya Guzel

Lloyds Closes 2018 and Increases Shareholder Distributions

Narrow-moat Lloyds Banking Group reported full-year 2018 profits after tax of GBP 4.4 billion, in line with our expectations. We plan to roll our model forward and update our analysis with 2018 figures as well as 2019 guidance, but we don’t expect to materially change our fair value estimate of GBX 76/$3.90 per share. Our narrow moat and stable trend ratings are unchanged. On an underlying basis--excluding restructuring expenses, volatility items, and payment protection insurance provisions--Llo...

Lloyds Banking Group plc: Lloyds 2018 results: stable ongoing profits and robust efficiency; some restructuring and conduct costs remain

Lloyds reports a 24% increase in net profit, driven by higher net interest income and lower remediation costs and charges against claims for mis-selling of payment protection insurance (PPI)

Lloyds Banking Group plc: Update following affirmation of senior and subordinated debt ratings

Our credit view of Lloyds Banking Group, reflecting strong solvency metrics, moderate loss-given-failure and low probability of government support.

Lloyds Banking Group plc: Lloyds’ temporary IT outage is credit negative

The failure increases the risk that clients may choose to switch to another bank, leading to a loss in revenue and cheap retail funding.

Lloyds Banking Group plc: Stable Q3, improving year-to-date

Lloyds net profit in the first nine months of 2018 improved by 18%, reflecting a 38% improvement in H1 2018, and a marginal 5% decline in Q3.

Lloyds Banking Group; Intesa Sanpaolo: Similar business model, different challenges and operating environments

Despite having very similar business models, UK-based Lloyds and Italian Intesa Sanpaolo have different credit profiles, largely reflecting Italy's weaker operating environment.

Derya Guzel

Morningstar | Lloyds Closes 2018 and Increases Shareholder Distributions

Narrow-moat Lloyds Banking Group reported full-year 2018 profits after tax of GBP 4.4 billion, in line with our expectations. We plan to roll our model forward and update our analysis with 2018 figures as well as 2019 guidance, but we don’t expect to materially change our fair value estimate of GBX 76/$3.90 per share. Our narrow moat and stable trend ratings are unchanged. On an underlying basis--excluding restructuring expenses, volatility items, and payment protection insurance provisions--Lloyds recorded a solid full-year performance. Net interest income increased 3% while operating costs ...

Derya Guzel

Lloyds Closes 2018 and Increases Shareholder Distributions

Narrow-moat Lloyds Banking Group reported full-year 2018 profits after tax of GBP 4.4 billion, in line with our expectations. We plan to roll our model forward and update our analysis with 2018 figures as well as 2019 guidance, but we don’t expect to materially change our fair value estimate of GBX 76/$3.90 per share. Our narrow moat and stable trend ratings are unchanged. On an underlying basis--excluding restructuring expenses, volatility items, and payment protection insurance provisions--Llo...

Derya Guzel

Morningstar | Lloyds Continues to Build Capital on Solid Operational Performance. See Updated Analyst Note from 26 Oct 2018

Higher restructuring charges in the third quarter of GBP 235 million versus GBP 148 million last year meant that profit before tax fell 7% to GBP 1.4 billion for Lloyds despite an operationally solid quarter. Income generation increased 1% year over year, owing to a slightly higher net interest margin offsetting lower interest-earning assets. The cost/income ratio improved to 44.7% from 46% last year, although including remediation costs weakens this metric to 47.1%. In total, return on tangible equity came in at a respectable 14.8% in the quarter, above our cost of equity assumption of 9%. We...

Derya Guzel

Morningstar | Lloyds Continues to Build Capital on Solid Operational Performance

Higher restructuring charges in the third quarter of GBP 235 million versus GBP 148 million last year meant that profit before tax fell 7% to GBP 1.4 billion for Lloyds despite an operationally solid quarter. Income generation increased 1% year over year, owing to a slightly higher net interest margin offsetting lower interest-earning assets. The cost/income ratio improved to 44.7% from 46% last year, although including remediation costs weakens this metric to 47.1%. In total, return on tangible equity came in at a respectable 14.8% in the quarter, above our cost of equity assumption of 9%. We...

Derya Guzel

Lloyds Continues to Build Capital on Solid Operational Performance

Higher restructuring charges in the third quarter of GBP 235 million versus GBP 148 million last year meant that profit before tax fell 7% to GBP 1.4 billion for Lloyds despite an operationally solid quarter. Income generation increased 1% year over year, owing to a slightly higher net interest margin offsetting lower interest-earning assets. The cost/income ratio improved to 44.7% from 46% last year, although including remediation costs weakens this metric to 47.1%. In total, return on tangible...

2 directors sold

Two Directors at Lloyds Banking Group sold 1,830,000 shares at between 60p and 61p. The significance rating of the trade was 75/100. Is that information sufficient for you to make an investment decision? This report gives details of those trades and adds context and analysis to them such that you can judge whether these trading decisions are ones worth following. Included in the report is a detailed share price chart which plots discretionary trades by all the company's directors over the last two years clearly showing Close periods where trading activity is restricted under listing rules. ...

With a more favourable environment, LLOYDS BANKING GP.PLC. improves to Slightly Positive

LLOYDS BANKING GP.PLC. (GB), a company active in the Money Center Banks industry, is favoured by a more supportive environment. The independent financial analyst theScreener has confirmed the fundamental rating of the title, which shows 3 out of 4 stars, as well as its unchanged, moderately risky market behaviour. The title leverages a more favourable environment and raises its general evaluation to Slightly Positive. As of the analysis date January 18, 2019, the closing price was GBp 58.00 and its potential was estimated at GBp 60.90.

Ibrahim Firdaus

Lloyds Banking Group

Ibrahim Firdaus

Lloyds Banking Group

Ibrahim Firdaus

Lloyds Banking Group

Ibrahim Firdaus

Lloyds Banking Group

MarketLine Department

Virgin Money Holdings (UK) plc - Mergers & Acquisitions (M&A), Partnerships & Alliances and Investments

Summary Marketline's Virgin Money Holdings (UK) plc Mergers & Acquisitions (M&A), Partnerships & Alliances and Investments report includes business description, detailed reports on mergers and acquisitions (M&A), divestments, capital raisings, venture capital investments, ownership and partnership transactions undertaken by Virgin Money Holdings (UK) plc since January2007. Marketline's Company Mergers & Acquisitions (M&A), Partnerships & Alliances and Investments reports offer a comprehensive breakdown of the organic and inorganic growth activity undertaken by an organization to sustain its c...

MarketLine Department

Barclays Plc - Mergers & Acquisitions (M&A), Partnerships & Alliances and Investments

Barclays Plc - Mergers & Acquisitions (M&A), Partnerships & Alliances and Investments Marketline's Barclays Plc Mergers & Acquisitions (M&A), Partnerships & Alliances and Investments report includes business description, detailed reports on mergers and acquisitions (M&A), divestments, capital raisings, venture capital investments, ownership and partnership transactions undertaken by Barclays Plc since January2007. Marketline's Company Mergers & Acquisitions (M&A), Partnerships & Alliances and Investments reports offer a comprehensive breakdown of the organic and inorganic growth activity und...

Lonza Group – Proxinvest Corporate Governance Rating ® : B

Proxinvest Corporate Governance Rating ® helps investors integrate governance into their investment decision and identify governance risks and opportunities within their portfolio. Proxinvest Corporate Governance Rating ® Service rates European issuers through the analysis of four main themes : Ownership & Shareholder rights, Board & Committees, Audit & Process, Remuneration. Each theme is rated taking into account several comprehensive sub-categories. Our unique two-step process to achieve each rating includes a first step quantitative valuation and a second step qualitative filter...

Lloyds Banking – Proxinvest Corporate Governance Rating ® : B

Proxinvest Corporate Governance Rating ® helps investors integrate governance into their investment decision and identify governance risks and opportunities within their portfolio. Proxinvest Corporate Governance Rating ® Service rates European issuers through the analysis of four main themes : Ownership & Shareholder rights, Board & Committees, Audit & Process, Remuneration. Each theme is rated taking into account several comprehensive sub-categories. Our unique two-step process to achieve each rating includes a first step quantitative valuation and a second step qualitative filter...

Jérôme VINERIER

Short term view - LLOYDS BANKING GROUP : The background trend is clearly bearish.

The background trend is clearly bearish. The negative MACD confirms the trend. The rise is a consolidation that will soon bump against the level at 59.36 p. The next target is at 55.90 p, then 51.70 p. Passing 62.60 p would question the continuation of the fall.

Jérôme VINERIER

Analyse court terme - LLOYDS BANKING GROUP : La tendance de fond est clairement orientée à la baisse.

La tendance de fond est clairement orientée à la baisse. Le MACD est négatif, il confirme cette tendance. La reprise est une consolidation qui va buter sur 59,36 p prochainement. Le prochain objectif est à 55,90 p, puis 51,70 p. Le franchissement de 62,60 p remettrait en cause la suite de la baisse.

Matthieu DRIOL

Analyse court terme - LLOYDS BANKING GROUP : La reprise est une consolidation.

La tendance de fond est clairement orientée à la baisse. Le MACD est négatif, il confirme cette tendance. La reprise est une consolidation qui va buter sur 57,82 p prochainement. Le prochain objectif est à 56,30 p, puis 55,21 p. Le franchissement de 62,60 p remettrait en cause la suite de la baisse.

Matthieu DRIOL

Short term view - LLOYDS BANKING GROUP : Rising consolidation.

The background trend is clearly bearish. The negative MACD confirms the trend. The rise is a consolidation that will soon bump against the level at 57.82 p. The next target is at 56.30 p, then 55.21 p. Passing 62.60 p would question the continuation of the fall.

Valérie GASTALDY

Analyse moyen terme - LLOYDS BANKING GROUP : La tendance est baissière.

La tendance est baissière. Le mouvement se poursuit. Le prochain objectif est à 51,74 p, puis 46,10 p. Le franchissement de 68,96 p remettrait en cause la suite de la baisse.

ResearchPool Subscriptions

Get the most out of your insights

Get in touch