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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
10/30/2025: LYG (4-star) is a STRONG-BUY. BUY since 131 days. Simulated Profits (20.62%). 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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $4.53
1 Year Target Price $4.53
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 41.3% | Avg. Invested days 66 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/30/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 69.17B USD | Price to earnings Ratio 15.6 | 1Y Target Price 4.53 |
Price to earnings Ratio 15.6 | 1Y Target Price 4.53 | ||
Volume (30-day avg) 2 | Beta 1.08 | 52 Weeks Range 2.45 - 4.74 | Updated Date 10/30/2025 |
52 Weeks Range 2.45 - 4.74 | Updated Date 10/30/2025 | ||
Dividends yield (FY) 0.71% | Basic EPS (TTM) 0.3 |
Earnings Date
Report Date 2025-10-23 | When - | Estimate 0.122 | Actual 0.0601 |
Profitability
Profit Margin 22.01% | Operating Margin (TTM) 24.85% |
Management Effectiveness
Return on Assets (TTM) 0.44% | Return on Equity (TTM) 8.74% |
Valuation
Trailing PE 15.6 | Forward PE 9.39 | Enterprise Value 106645602304 | Price to Sales(TTM) 3.86 |
Enterprise Value 106645602304 | Price to Sales(TTM) 3.86 | ||
Enterprise Value to Revenue 3.58 | Enterprise Value to EBITDA - | Shares Outstanding 14755386703 | Shares Floating 55966610700 |
Shares Outstanding 14755386703 | Shares Floating 55966610700 | ||
Percent Insiders - | Percent Institutions 4.57 |
Upturn AI SWOT
Lloyds Banking Group PLC ADR
Company Overview
History and Background
Lloyds Banking Group PLC has a history dating back to 1695. It was formed through the merger of Lloyds TSB and HBOS in 2009. The group has evolved from traditional banking services to incorporate digital banking and wealth management solutions.
Core Business Areas
- Retail Banking: Provides current and savings accounts, mortgages, loans, and credit cards to individual customers.
- Commercial Banking: Offers banking solutions, including lending, transaction banking, and risk management services to businesses.
- Insurance and Wealth: Provides insurance products, investment management services, and financial planning.
Leadership and Structure
Charlie Nunn serves as the Group Chief Executive. The organizational structure comprises various divisions led by executive management, overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Mortgages: Lloyds Banking Group is a leading mortgage provider in the UK. Competitors include NatWest, Barclays, and Santander. Market share varies but is typically around 17-20% in the UK.
- Current Accounts: Lloyds offers a range of current accounts. Competitors include HSBC, Barclays, and NatWest. Lloyds current account market share is also significant, estimated around 15-18% in the UK.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing digital adoption, rising interest rates, and regulatory changes. Fintech disruption and competition from non-traditional players are also key trends.
Positioning
Lloyds Banking Group PLC is a major player in the UK banking sector with a strong brand presence and extensive customer base. It is focused on digital transformation and cost efficiency to maintain competitiveness.
Total Addressable Market (TAM)
The TAM for UK banking services is estimated to be in the hundreds of billions of GBP annually. Lloyds holds a significant position in key segments such as mortgages and current accounts, and is focused on capturing further share through digital channels and new product offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large customer base
- Extensive branch network
- Strong capital position
Weaknesses
- High operating costs
- Exposure to UK economy
- Legacy IT systems
- Reputational risks
Opportunities
- Digital transformation
- Expansion into new markets
- Growth in wealth management
- Strategic acquisitions
Threats
- Economic downturn
- Increased competition
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BAC
- HSBC
- BCS
- RY
Competitive Landscape
Lloyds Banking Group PLC competes with major global banks and regional players. Its strengths include a strong UK presence and brand recognition, while weaknesses include high operating costs and exposure to the UK economy.
Growth Trajectory and Initiatives
Historical Growth: Lloyds Banking Group PLC has experienced moderate growth in recent years, driven by increased lending and digital adoption.
Future Projections: Analyst projections vary but generally indicate continued moderate growth, driven by efficiency improvements and expansion in key markets.
Recent Initiatives: Recent strategic initiatives include investments in digital banking, cost-cutting measures, and expansion into wealth management.
Summary
Lloyds Banking Group PLC has a strong UK presence but faces challenges with cost efficiency and the economic climate. Its digital transformation efforts and expansion into wealth management are promising. Lloyds Banking Group PLC should remain cautious about the economic downturn and also the rapidly changing digital landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Market Research Reports
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market conditions are subject to change.
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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