0.00%
13.80%
16.74%
4.63%
46.54%
22.12%
9.77%
AI Spotlight on LLOY
Company Description
Lloyds 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.
Market Data
| Last Price | 62.34 |
| Change Percentage | 0.00% |
| Open | 62.3 |
| Previous Close | 62.34 |
| Market Cap ( Millions) | 37751 |
| Volume | 17365634 |
| Year High | 64.67 |
| Year Low | 41 |
| M A 50 | 55.48 |
| M A 200 | 56.46 |
Financial Ratios
| FCF Yield | 0.00% |
| Dividend Yield | 4.65% |
| ROE | 11.22% |
| Debt / Equity | 291.93% |
| Net Debt / EBIDTA | 7323.67% |
| Price To Book | 0.83 |
| Price Earnings Ratio | 7.89 |
| Price To FCF | 0 |
| Price To sales | 1.3 |
| EV / EBITDA | 109.72 |
News
- 08:34 - Lloyds Banking Group (LYG) Appoints AI Expert Magdalena Lis to Lead Responsible AI Development
- Jan -30 - Lloyds Banking Group to close another 136 UK branches
- Jan -29 - UK’s bank branch network has been cut to the bone, say consumer campaigners
- Jan -29 - Lloyds to close 136 branches – is your local bank one of them?
- Jan -29 - Lloyds Banking Group to shut 136 high street branches
- Jan -29 - Drum Property Group to lead redesign of LBG headquarters
- Jan -28 - FTSE 100 LIVE: London markets higher as Reeves meets business leaders
- Jan -28 - FTSE 100 and US stocks higher as DeepSeek concern continues
- Jan -27 - Is Lloyds Banking Group plc (LYG) the Best European Bank Stock to Buy According to Analysts?
- Jan -21 - Lloyds and Close Brothers shares surge after Reeves steps in on car finance case
- Jan -21 - FTSE 100 LIVE: London flat as wage growth data dampens rate cut hopes
- Jan -21 - FTSE 100 and US stocks higher as Trump holds off on tariff threat
- Jan -16 - Why Lloyds Banking Group (LYG) Is One of the Cheapest Stocks with Biggest Upside Potential?
- Jan -15 - Lloyds Bank to cut hundreds of jobs and shut offices as staff stay at home
- Jan -15 - Lloyds to close second UK office and cut roles as part of major shake-up
- Jan -15 - Lloyds bank to shut Liverpool office with 500 workers impacted
- Jan -15 - Top UK Dividend Stocks To Consider In January 2025
- Jan -13 - Lloyds Bank will tie its senior bankers’ 2024 bonuses to their office attendance
- Jan -13 - Lloyds bankers could face bonus cuts unless they turn up to office at least two days a week
- Jan -10 - Is Lloyds Banking Group plc (LYG) Among the Best Bank Penny Stocks to Buy According to Hedge Funds?
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Retail
Expected Growth : 2.8 %
What the company do ?
Retail from Lloyds Banking Group plc offers personal and business banking services, including current accounts, credit cards, loans, and mortgages to individuals and small businesses.
Why we expect these perspectives ?
Lloyds Banking Group plc's Retail segment growth of 2.8% is driven by increasing demand for digital banking services, strategic investments in online platforms, and a focus on customer experience. Additionally, the segment benefits from a strong brand presence, a large customer base, and a diversified product portfolio, including mortgages, credit cards, and personal loans.
Segment n°2 -> Commercial Banking
Expected Growth : 2.5 %
What the company do ?
Commercial Banking from Lloyds Banking Group plc provides financial services to businesses, including lending, transaction banking, and risk management solutions.
Why we expect these perspectives ?
Lloyds Banking Group plc's Commercial Banking segment growth of 2.5% is driven by a strong UK economy, increasing demand for lending and transactional services, and the bank's strategic focus on supporting British businesses. Additionally, investments in digital capabilities and customer experience have improved competitiveness, while a disciplined approach to risk management has maintained a stable asset quality.
Segment n°3 -> Insurance Pensions and Investments
Expected Growth : 3.2 %
What the company do ?
Insurance, Pensions and Investments from Lloyds Banking Group plc provides a range of financial products and services, including life insurance, pensions, and investments to individuals and businesses.
Why we expect these perspectives ?
Lloyds Banking Group plc's Insurance, Pensions and Investments segment growth of 3.2% is driven by increasing demand for retirement savings, growth in individual pension sales, and expansion in the UK protection market. Additionally, the segment benefits from the group's strong brand and distribution network, as well as its ability to cross-sell products to its large customer base.
Segment n°4 -> Other
Expected Growth : 2.2 %
What the company do ?
The 'Other' segment from Lloyds Banking Group plc includes central functions, including group corporate centre, treasury, and ring-fenced subsidiaries.
Why we expect these perspectives ?
Lloyds Banking Group's 2.2% growth in 'Other' segment is driven by increasing demand for general insurance products, expansion of TSB's mortgage book, and growth in commercial banking fees. Additionally, the bank's focus on digital transformation and cost savings initiatives have improved operational efficiency, contributing to the segment's growth.
Lloyds Banking Group Plc Products
| Product Range | What is it ? |
|---|---|
| Current Accounts | Personal and business current accounts for everyday banking needs |
| Savings Accounts | Fixed-rate and easy-access savings accounts for short-term and long-term savings goals |
| Credit Cards | Range of credit cards with rewards, cashback, and low-interest rates |
| Personal Loans | Unsecured personal loans for various purposes, such as debt consolidation or home improvements |
| Mortgages | Residential and buy-to-let mortgages for purchasing or refinancing a property |
| Insurance | Life insurance, home insurance, and travel insurance products |
| Investments | Range of investment products, including ISAs, pensions, and investment bonds |
| Business Banking | Business current accounts, loans, and credit cards for small to medium-sized enterprises |
| Commercial Banking | Specialized banking services for large corporations and institutions |
Lloyds Banking Group plc's Porter Forces
Threat Of Substitutes
Lloyds Banking Group plc operates in a highly competitive market, with many substitutes available to customers. However, the bank's strong brand and customer loyalty mitigate the threat of substitutes.
Bargaining Power Of Customers
Lloyds Banking Group plc has a large customer base, but customers have significant bargaining power due to the ease of switching banks and the availability of alternative financial services.
Bargaining Power Of Suppliers
Lloyds Banking Group plc has a diverse supplier base, and suppliers have limited bargaining power due to the bank's large scale and negotiating power.
Threat Of New Entrants
The banking industry has high barriers to entry, including regulatory hurdles and significant capital requirements, making it difficult for new entrants to compete with Lloyds Banking Group plc.
Intensity Of Rivalry
The banking industry is highly competitive, with many established players competing for market share. Lloyds Banking Group plc faces intense rivalry from other major banks and fintech companies.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 73.79% |
| Debt Cost | 10.09% |
| Equity Weight | 26.21% |
| Equity Cost | 10.09% |
| WACC | 10.09% |
| Leverage | 281.49% |
Lloyds Banking Group plc : Quality Control
Lloyds Banking Group plc passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| DANSKE.CO | Danske Bank A/S provides various banking products and services to corporate, institutional, and international clients. The company offers insurance and pension products, mortgage finance and real-estate brokerage services, asset management … |
| DBK.DE | Deutsche Bank Aktiengesellschaft provides investment, financial, and related products and services to private individuals, corporate entities, and institutional clients worldwide. Its Corporate Bank segment provides cash management, trade finance and … |
| SEB-A.ST | Skandinaviska Enskilda Banken AB (publ) provides corporate, retail, investment, and private banking services. It operates through Large Corporates & Financial Institutions, Corporate & Private Customers, Baltic, Life, and Investment Management … |
| UCG.MI | UniCredit S.p.A. operates as a commercial bank that provides retail, corporate, and private banking services. It offers accounts and deposits, loans, cards, transactions and payments, funds, advisory, treasury, and insurance … |
| GLE.PA | Société Générale Société anonyme provides banking and financial services to individuals, businesses, and institutional investors in Europe and internationally. It operates through three segments: Retail Banking in France, International Retail … |
Peers Metrics
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Scoring Insights
Peers Group Analysis
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UniCredit
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Lloyds Banking
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SEB
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4
Danske Bank
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5
Deutsche Bank
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1-Year Total Return ->
6
