LLOY Share Price Performance
UK£0.94
0.39 (71.00%)
0.1% undervalued intrinsic discount
UK£0.94
Fair Value
Price UK£0.94
AnalystConsensusTarget UK£0.94
AnalystHighTarget UK£1.00
AnalystLowTarget UK£0.53
Fair ValueUK£0.94
Share Pricen/a
Lloyds Banking Group plc Stock Price
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LLOY Community Narratives
AN
Fair Value UK£0.94 0.1% undervalued intrinsic discount
Analysts Note Modest Gains for Lloyds as Valuation and Dividend Increase Amid Positive Updates
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Fair Value UK£1.03 8.6% undervalued intrinsic discount
AI Integration And Housing Demand Will Accelerate Secular Growth
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Fair Value UK£0.65 45.0% overvalued intrinsic discount
UK Mortgage Risks And Rising IT Costs Will Hamper Outlook
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Analysts Note Modest Gains for Lloyds as Valuation and Dividend Increase Amid Positive Updates
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.Read more
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AN
UK£0.94
0.1% undervalued intrinsic discount
AnalystConsensusTarget Fair Value
Revenue growth
8.43% p.a.
Profit Margin
28.07%
Future PE
9.86x
Share price in 2028
UK£1.19
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.Read more
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UK£1.03
8.6% undervalued intrinsic discount
AnalystHighTarget Fair Value
Revenue growth
11.56% p.a.
Profit Margin
30.43%
Future PE
9.68x
Share price in 2028
UK£1.29
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.Read more
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UK£0.65
45.0% overvalued intrinsic discount
AnalystLowTarget Fair Value
Revenue growth
7.99% p.a.
Profit Margin
22.23%
Future PE
9.21x
Share price in 2028
UK£0.81
Snowflake Analysis
Lloyds Banking Group plc Key Details
Last Reported Earnings
Sep 30, 2025
Next Reporting Earnings
Jan 29, 2026
- 0.059
- 100.00%
- 19.29%
- 309.0%
About LLOY
- Founded
- 1695
- Employees
- 61228
- CEO
- WebsiteView website
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services in the United Kingdom and internationally. The company operates through three segments: Retail; Commercial Banking; and Insurance, Pensions and Investments. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, motor finance, unsecured loans, and leasing solutions, as well as credit cards to personal customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, and debt financing services to small and medium businesses, corporates, and institutions. The Insurance, Pensions and Investments segment offers insurance, investment, and pension 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, Scottish Widows, MBNA, Schroders Personal Wealth, Black Horse, Lex Autolease, Birmingham Midshires, LDC, AMC, Embark Group, Lloyds Living, IWeb, Cavendish Online, HGP, and Tusker brand names. Lloyds Banking Group plc was founded in 1695 and is based in London, the United Kingdom.
