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Lloyds Banking Group PLC
LSE:LLOY

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Lloyds Banking Group PLC Logo
Lloyds Banking Group PLC
LSE:LLOY
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Price: 51.96 GBX 0.56%
Updated: Mar 28, 2024

Intrinsic Value

Lloyds Banking Group Plc is a financial services company, which engages in the provision of a wide range of banking and financial services. [ Read More ]

The intrinsic value of one LLOY stock under the Base Case scenario is 90.48 GBX. Compared to the current market price of 51.96 GBX, Lloyds Banking Group PLC is Undervalued by 43%.

Key Points:
LLOY Intrinsic Value
Base Case
90.48 GBX
Undervaluation 43%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation Backtest
Lloyds Banking Group PLC

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Fundamental Analysis

Resilient Performance with Revenue Growth
2023-Q2 Earnings Call

Resilient Performance with Revenue Growth

The company has demonstrated resilient performance with net income rising 11% from the previous year, backed by a robust net interest income that grew 14% to GBP7 billion. The net interest margin delivered 318 basis points, though it is expected to slightly drop below Q4 2022 levels with a forecast for 2023 to exceed 310 basis points. Other income streams strengthened, particularly in retail, commercial, and insurance sectors, indicating diversification in earnings. Asset quality remains stable with an impairment charge reflecting a modest asset quality ratio of 29 basis points. Operational costs are up 6% due to strategic investments and inflation, aiming for around GBP9.1 billion in 2023. As loans witnessed slight contraction, particularly in mortgages, the total lending balance stood firm at GBP451 billion, reflecting an agile and balanced portfolio management.

Financials

Balance Sheet Decomposition
Lloyds Banking Group PLC

Net Loans 449.7B
Investments 334.1B
Intangibles 8.3B
Other Assets 89.3B
Total Deposits 477.5B
Short Term Debt 39.1B
Long Term Debt 85.8B
Other Liabilities 231.8B
Efficiency

Wall St
Price Targets

LLOY Price Targets Summary
Lloyds Banking Group PLC

Wall Street analysts forecast LLOY stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for LLOY is 59.3 GBX with a low forecast of 47.47 GBX and a high forecast of 77.7 GBX.

Lowest
Price Target
47.47 GBX
9% Downside
Average
Price Target
59.3 GBX
14% Upside
Highest
Price Target
77.7 GBX
50% Upside
View Analyst Estimates
View Analyst Estimates

Competitive Landscape

Shareholder Return

LLOY Price
Lloyds Banking Group PLC

1M 1M
+12%
6M 6M
+17%
1Y 1Y
+16%
3Y 3Y
+38%
5Y 5Y
+7%
10Y 10Y
+2%
Annual Price Range
51.96
52w Low
39.755
52w High
52.18
Price Metrics
Average Annual Return 3.55%
Standard Deviation of Annual Returns 36.19%
Max Drawdown -61%
Shares Statistics
Market Capitalization 33B GBX
Shares Outstanding 63 569 225 662
Percentage of Shares Shorted 52%

LLOY Return Decomposition
Main factors of price return

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LLOY News

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Last Important Events
Lloyds Banking Group PLC

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Sentiment Analysis
Lloyds Banking Group PLC

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Company Profile

Lloyds Banking Group PLC Logo
Lloyds Banking Group PLC

Country

United Kingdom

Industry

Banking

Market Cap

33B GBP

Dividend Yield

5.32%

Description

Lloyds Banking Group Plc is a financial services company, which engages in the provision of a wide range of banking and financial services. The firm operates multiple brands through three core divisions: Retail, Commercial Banking and Insurance and Wealth. Its services are offered through brands, including Lloyds Bank, Halifax, Bank of Scotland and Scottish Widows. The company operates through its segments, including Retail, Commercial Banking, and Insurance and Wealth. Its Retail segment offers a broad range of financial service products to personal and business banking customers, including current accounts, savings, mortgages, credit cards, unsecured loans, motor finance and leasing solutions. Its Commercial banking segment provides clients with a range of products and services such as lending, transaction banking, working capital management, risk management and debt capital markets services. Insurance and Wealth segment offers insurance, investment and wealth management products and services.

Contact

Spalding
8 Victoria Street, Linclnshire
+441775769069.0
https://www.lloydsbankinggroup.com

IPO

1986-10-08

Employees

57 955

Officers

Group Chief Executive & Executive Director
Mr. Charles Alan Nunn
Group CFO & Executive Director
Mr. William Leon David Chalmers
Director of Group Strategy, Corporate Development & Investor Relations
Ms. Carla A. S. Antunes Da Silva
Company Secretary & Group General Counsel
Ms. Catherine Lucy Cheetham
Head of Media Relations
Matt Smith
Chief Marketing Officer
Mr. Suresh Balaji
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Chief People & Places Officer
Ms. Sharon Doherty
Head of Global Services & MD
Mr. Chris Sood-Nicholls
Group Chief Risk Officer
Mr. Stephen Shelley
Head of U.K. Funds
Ms. Miranda Zhao
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See Also

Discover More
What is the Intrinsic Value of one LLOY stock?

The intrinsic value of one LLOY stock under the Base Case scenario is 90.48 GBX.

Is LLOY stock undervalued or overvalued?

Compared to the current market price of 51.96 GBX, Lloyds Banking Group PLC is Undervalued by 43%.