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Lloyds Banking Group Community
LSE:LLOY Community
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Lloyds Banking Group
AN
AnalystLowTarget
Consensus Narrative from 18 Analysts
Digital Disruption And Regulatory Pressures Will Harm The UK Mortgage Market
Key Takeaways Accelerating fintech disruption and regulatory pressures threaten Lloyds' market share, squeezing profitability and increasing costs amid rising technological and compliance demands. Heavy reliance on the UK mortgage market and lagging digital transformation expose Lloyds to greater risk from local downturns and agile, tech-savvy competitors.
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UK£0.58
FV
33.0% overvalued
intrinsic discount
6.41%
Revenue growth p.a.
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5 days ago
author updated this narrative
Lloyds Banking Group
AN
AnalystConsensusTarget
Consensus Narrative from 18 Analysts
The UK's Largest Mortgage Lender Will Leverage AI For Operational Efficiency
Key Takeaways Strategic focus on digital leadership and affluent clients is anticipated to boost revenue, capital efficiency, and broaden revenue streams. Advancements in AI and digital engagement aim to improve operational efficiency and customer experience, enhancing margins and reducing costs.
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UK£0.77
FV
1.6% overvalued
intrinsic discount
7.62%
Revenue growth p.a.
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2
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5 days ago
author updated this narrative
Lloyds Banking Group
AN
AnalystHighTarget
Consensus Narrative from 18 Analysts
Digital Banking And UK Demographics Will Fuel Enduring Lending Opportunities
Key Takeaways Lloyds is positioned for lasting revenue and earnings growth via retail franchise strength, digital innovation, and fee-based income diversification. Structural advantages in UK mortgages and wealth management, along with cost efficiencies, support margin expansion and superior profitability.
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UK£1.00
FV
22.2% undervalued
intrinsic discount
11.32%
Revenue growth p.a.
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7 days ago
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Your Valuation for
LLOY
LLOY
Lloyds Banking Group
Your Fair Value
UK£
Current Price
UK£0.78
10.6% undervalued
intrinsic discount
Growth estimate over
Annual revenue growth rate
5 Years
time period
%/yr
Decrease
Increase
Past
Future
0
25b
2015
2018
2021
2024
2025
2027
2030
Revenue UK£24.8b
Earnings UK£5.4b
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