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LLOY.L
LSE98pGBX+0.53p (+0.54%)
Market OpenUpdated 8:13 AM EDT
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services for retail and commercial customers in the United Kingdom.
Historical Price
Price (Line)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Lloyds Banking Group plc in the Financial Services sector is trading at 98p. The stock is currently 14% below its 52-week high of 115p, remaining 7.1% above its 200-day moving average. Technical signals show neutral RSI of 56 and bearish MACD signal, explaining why LLOY.L maintains its current momentum and trend strength. The Whystock Score of 80/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 56) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price98p
Potential Upside
41.8%
Whystock Fair Value139p
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Fundamentals
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services for retail and commercial customers in the United Kingdom. It operates in three segments: Retail; Commercial Banking; and Insura...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
£57.81B
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
14.13
Beta
Defensive asset. Lower volatility than the S&P 500.
0.94
Div Yield
Strong income play. Yield provides a meaningful total return floor.
364.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
10.15%
Volume
Today's trading volume
45.62M
Recent News
Lloyds Expands AI Push As Shares Trade Below Analyst Value Estimate
Lloyds Banking Group (LSE:LLOY) is piloting an AI investment tool for customers, the first such trial by a UK lender. The bank has created a Chief Data and AI Officer role to drive AI deployment across the organisation. Lloyds is participating in the FCA’s AI Live Testing programme to trial AI services under regulatory supervision. Lloyds Banking Group is one of the UK’s largest retail and commercial banks, with a focus on current accounts, mortgages, savings, and SME lending. Its recent AI...
UK’s FCA names eight banks for AI testing
The programme aims setto help participating firms examine issues such as risk controls and live oversight to use AI in services.
JPMorgan Raises its Price Target on Lloyds Banking (LYG) to 121 GBp
Lloyds Banking Group plc (NYSE:LYG) is one of the 10 Fastest-Growing Financial Stocks to Invest In. On April 13, 2026, JPMorgan analyst Sheel Shah has raised the price target on Lloyds Banking Group plc (NYSE:LYG) to 121 GBp from 117 GBp previously and maintained a Neutral rating on the shares. On April 8, 2026, Citi […]
Lloyds pilots AI investment guidance tool as UK regulator studies impact
By Phoebe Seers LONDON, April 21 (Reuters) - Lloyds Banking Group has become the first UK lender to introduce an artificial intelligence tool to help customers make investment decisions, even as AI's
New Lloyds Banking Group partnership aims to cut hassle for home buyers
The digital service, involving Lloyds, Connells Group and conveyancing provider LMS, aims to reduce delays and uncertainty when buying a home.