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Upturn AI SWOT - About
LYG 
Lloyds Banking Group PLC ADR (LYG)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/27/2025: LYG (4-star) is a STRONG-BUY. BUY since 44 days. Profits (7.36%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
2 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $3.89
Year Target Price $3.89
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 18.71% | Avg. Invested days 46 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 63.36B USD | Price to earnings Ratio 12.44 | 1Y Target Price 3.89 |
Price to earnings Ratio 12.44 | 1Y Target Price 3.89 | ||
Volume (30-day avg) - | Beta 1.09 | 52 Weeks Range 2.49 - 4.30 | Updated Date 06/29/2025 |
52 Weeks Range 2.49 - 4.30 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.74% | Basic EPS (TTM) 0.34 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.82% | Operating Margin (TTM) 34.6% |
Management Effectiveness
Return on Assets (TTM) 0.5% | Return on Equity (TTM) 9.24% |
Valuation
Trailing PE 12.44 | Forward PE 11.04 | Enterprise Value 91342471168 | Price to Sales(TTM) 3.61 |
Enterprise Value 91342471168 | Price to Sales(TTM) 3.61 | ||
Enterprise Value to Revenue 6.51 | Enterprise Value to EBITDA - | Shares Outstanding 14979000320 | Shares Floating 56830058440 |
Shares Outstanding 14979000320 | Shares Floating 56830058440 | ||
Percent Insiders - | Percent Institutions 3.63 |
Analyst Ratings
Rating 3 | Target Price 3.89 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Lloyds Banking Group PLC ADR
Company Overview
History and Background
Lloyds Banking Group PLC was formed in 2009 through the acquisition of HBOS by Lloyds TSB. Its roots trace back to the founding of Bank of Scotland in 1695 and Lloyds Bank in 1765. The group faced significant challenges during the 2008 financial crisis, requiring a government bailout. Since then, it has focused on restructuring and returning to private ownership.
Core Business Areas
- Retail Banking: Provides current accounts, savings accounts, mortgages, personal loans, and credit cards to individual customers. Focuses on the UK market.
- Commercial Banking: Offers banking services to small and medium-sized enterprises (SMEs) and larger corporations, including loans, asset finance, invoice finance, and trade finance.
- Insurance and Wealth: Provides insurance products, investment services, and wealth management solutions to individuals and corporate clients.
- Consumer Finance: Offer vehicle financing products. This includes asset, point-of-sale and personal loans, as well as hire purchase and leasing.
Leadership and Structure
The CEO is Charlie Nunn. The organizational structure consists of various divisions, including Retail, Commercial Banking, Insurance and Wealth, and Consumer Finance, each headed by a managing director. The board of directors oversees the overall strategy and performance of the group.
Top Products and Market Share
Key Offerings
- Mortgages: One of the largest mortgage lenders in the UK. Market share fluctuates but is consistently a leader. Competitors include NatWest, Barclays, and Santander UK. Precise market share data is readily available through official reports and financial news outlets. Revenue fluctuates based on interest rates and housing market activity.
- Current Accounts: A significant provider of current accounts in the UK. Competitors include HSBC, NatWest, Barclays, and Santander UK. Market share data is publicly available. Number of customers exceeds 20 million.
- Business Lending: Offers a range of lending products to businesses of all sizes. Competitors include HSBC, Barclays, NatWest and Santander UK. Market share data is publicly available.
Market Dynamics
Industry Overview
The UK banking industry is mature and highly competitive, with a mix of established players and newer challenger banks. The industry is heavily regulated and influenced by macroeconomic factors such as interest rates, economic growth, and consumer confidence.
Positioning
Lloyds Banking Group is positioned as a leading UK-focused bank with a strong retail presence. It benefits from a well-established brand, a large customer base, and a diversified product portfolio. Its competitive advantages include its scale, cost efficiency, and focus on the UK market.
Total Addressable Market (TAM)
The TAM for the UK banking sector is substantial, encompassing all financial services provided to individuals and businesses. Estimates value the UK banking sector in the trillions of GBP. Lloyds Banking Group captures a significant portion of this TAM, particularly in mortgages and retail banking.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in the UK
- Large customer base
- Extensive branch network
- Cost-efficient operations
- Strong capital position
Weaknesses
- Concentration on the UK market
- Vulnerability to UK economic downturns
- Reputational risks from past misconduct
- Reliance on traditional banking models
Opportunities
- Growth in digital banking and fintech
- Expansion into new financial services
- Increased focus on sustainable finance
- Acquisition of smaller banks or fintech companies
Threats
- Increased competition from challenger banks
- Regulatory changes and compliance costs
- Cybersecurity risks
- Global economic uncertainty
Competitors and Market Share
Key Competitors
- HSBC (HSBC)
- Barclays (BCS)
- NatWest Group (NWG)
- Santander (SAN)
Competitive Landscape
Lloyds Banking Group benefits from its strong UK focus and large customer base. However, it faces competition from global banks like HSBC and Barclays, as well as domestic players like NatWest. Its advantages include cost efficiency and brand recognition, while its disadvantages include its geographic concentration and reliance on traditional banking models.
Growth Trajectory and Initiatives
Historical Growth: Replace with real-time data
Future Projections: Replace with real-time data
Recent Initiatives: Replace with real-time data
Summary
Lloyds Banking Group is a major UK-focused bank with a strong presence in retail banking and mortgages. Its strengths lie in its brand recognition and large customer base, but it faces challenges due to its concentration on the UK market and increasing competition. Growth opportunities exist in digital banking and sustainable finance. It needs to navigate regulatory changes and cybersecurity risks effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Financial News Outlets
- Market Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own research and due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Lloyds Banking Group PLC ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 2001-11-27 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 61228 | |
Full time employees 61228 | |||
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.
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