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Lloyds Banking Group
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Lloyds Banking Group Community
LSE:LLOY Community
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Lloyds Banking Group
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Lloyds Banking Group
AN
AnalystHighTarget
Consensus Narrative from 18 Analysts
AI Integration And Housing Demand Will Accelerate Secular Growth
Key Takeaways Lloyds' advanced digital and AI adoption, combined with cost discipline, is driving superior efficiency, operational leverage, and sustained margin expansion ahead of peers. Leadership in mortgages, digital innovation, and integrated investment offerings uniquely position Lloyds to capture revenue growth and benefit from shifting UK consumer financial behaviors.
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UK£1.03
FV
18.0% undervalued
intrinsic discount
11.56%
Revenue growth p.a.
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6
users have followed this narrative
5 days ago
author updated this narrative
Lloyds Banking Group
AN
AnalystLowTarget
Consensus Narrative from 18 Analysts
UK Mortgage Risks And Rising IT Costs Will Hamper Outlook
Key Takeaways Heavy reliance on UK retail banking and mortgages exposes Lloyds to domestic economic downturns and limits loan growth and revenue resilience. Rising technology, compliance, and regulatory costs threaten profitability and put pressure on future earnings and operational efficiency.
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UK£0.65
FV
30.1% overvalued
intrinsic discount
7.99%
Revenue growth p.a.
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users have commented on this narrative
3
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5 days ago
author updated this narrative
Lloyds Banking Group
AN
AnalystConsensusTarget
Consensus Narrative from 18 Analysts
Digital Transformation And UK Demographics Will Expand Opportunities
Key Takeaways Digital transformation and AI adoption are reducing costs and driving efficiency, supporting margin expansion and improved earnings quality. Lloyds is leveraging demographic shifts and regulatory reforms to boost growth in wealth, insurance, and fee-based non-lending businesses.
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UK£0.89
FV
5.5% undervalued
intrinsic discount
7.93%
Revenue growth p.a.
Set Fair Value
2
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134
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12 days ago
author updated this narrative
Your Valuation for
LLOY
LLOY
Lloyds Banking Group
Your Fair Value
UK£
Current Price
UK£0.84
1.8% undervalued
intrinsic discount
Growth estimate over
Annual revenue growth rate
5 Years
time period
%/yr
Decrease
Increase
Past
Future
0
24b
2015
2018
2021
2024
2025
2027
2030
Revenue UK£24.1b
Earnings UK£5.5b
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