Is Lloyds Banking Group stock a buy right now?
Lloyds Banking Group (LLOY), currently trading at approximately 69.82p on the London Stock Exchange, is one of the UK's leading retail banks, commanding robust trading volumes with a three-month average of about 179.7 million shares exchanged daily. In early May 2025, the group reported resilient results: while statutory profit after tax dipped modestly to £1.1 billion, net income rose by 4% year-on-year, and net interest margin reached 3.03%. These figures reinforce Lloyds' position as a financial stalwart—especially notable given the persistent economic headwinds facing the UK banking sector, such as consumer demand variability and interest rate fluctuations. The ongoing FCA review into motor finance commission arrangements represents a manageable regulatory matter, reflected in subdued but constructive market sentiment. Technical indicators remain mainly bullish, with most moving averages and support levels supporting a positive trend. As the sector adapts to digital innovation and evolving consumer habits, Lloyds' steadfast focus on transformation and lending growth owes much to its strong capital base. According to the consensus of over 29 national and international banks, the target price for Lloyds stands at 90.77p. For investors seeking sustained income and sector resilience, Lloyds' current price levels may present a well-timed opportunity for careful consideration.
- Largest UK retail bank with strong market share in mortgages and household banking.
- Robust capital position: CET1 ratio at 13.5%, reflecting solid financial resilience.
- Attractive dividend yield at 4.54%, appealing for income-focused investors.
- Demonstrated lending growth, with £7.1 billion rise in customer loans in Q1 2025.
- Active digital transformation and innovative customer financial management solutions.
- Ongoing FCA review in motor finance could introduce modest regulatory uncertainty.
- Highly exposed to UK economic cycles and interest rate sensitivity.
- What is Lloyds Banking Group?
- How much is Lloyds Banking Group stock?
- Our full analysis on Lloyds Banking Group </b>stock
- How to buy Lloyds Banking Group stock in United Kingdom?
- Our 7 tips for buying Lloyds Banking Group stock
- The latest news about Lloyds Banking Group
- FAQ
Why trust HelloSafe?
At HelloSafe, our expert has been monitoring the performance of Lloyds Banking Group for over three years. Each month, hundreds of thousands of users in the United Kingdom rely on us to interpret market trends and highlight the most attractive investment opportunities. Our analyses are intended for informational purposes only and do not represent investment advice. In line with our ethical charter, we have never received, and will never accept, any payment from Lloyds Banking Group.
What is Lloyds Banking Group?
| Indicator | Value | Analysis |
|---|---|---|
| 🏳️ Nationality | United Kingdom | UK's largest retail bank; highly exposed to domestic economic conditions. |
| 💼 Market | London Stock Exchange (LSE) | Primary listing; enables broad investor access and trading liquidity. |
| 🏛️ ISIN code | GB0008706128 | Unique identifier supports easy trade and international recognition. |
| 👤 CEO | Charlie Nunn | Bringing digital transformation focus since 2021; key to current strategic direction. |
| 🏢 Market cap | £42.81 billion | Large-cap bank; signals financial stability and institutional investor confidence. |
| 📈 Revenue | £4.4 billion (Q1 2025) | Net income up 4% year-on-year; reflects lending growth and resilient core business. |
| 💹 EBITDA | N/A | Not typically disclosed by banks; focus is on net interest income and profit metrics. |
| 📊 P/E Ratio (Price/Earnings) | 10 | Attractive value vs. sector average; may reflect macro risks and regulatory uncertainty. |
How much is Lloyds Banking Group stock?
The price of Lloyds Banking Group stock is falling this week. As of now, shares are trading at 69.82p, reflecting a drop of 1.52p (-2.13%) over the past 24 hours and a decrease of 4.36% this week. Lloyds Banking Group has a market capitalisation of £42.81 billion and sees average daily trading volumes of 179.69 million shares (3-month average). Its P/E ratio stands at 0.10, with a robust dividend yield of 4.54%, and a stock beta of 1.38, indicating higher volatility than the broader market. Investors should be mindful of increased price swings in the current environment.
Compare the best brokers in the UK!Compare brokersOur full analysis on Lloyds Banking Group stock
Having thoroughly reviewed Lloyds Banking Group’s latest quarterly results and closely examined the stock’s robust three-year performance trajectory, we integrated financial indicators, technical analytics, current market sentiment, and key competitive dynamics using our proprietary algorithms. This multi-dimensional analysis surfaces striking signals—but the crucial question remains: Why might Lloyds Banking Group once again represent a strategic entry point into the UK financial sector for investors seeking exposure in 2025?
Recent Performance and Market Context
Over the past twelve months, Lloyds Banking Group shares have delivered a remarkable total return, surging 33.81% to reach 69.82p as of early May 2025. This performance underscores Lloyds’ ability to reward patient investors, even amid intermittent market volatility. Notably, the shares have outperformed many sector peers, underpinned by resilient earnings, disciplined cost control, and a focus on core UK retail and commercial banking activities.
In the first quarter of 2025, Lloyds saw net income climb by 4% year-on-year while delivering a statutory post-tax profit of £1.1 billion, slightly softer than the prior year but in line with consensus expectations. The company’s net interest margin edged up to 3.03%, thanks to prudent balance sheet management and ongoing loan book growth. The group’s recent announcement of a 2025 net interest income target near £13.5 billion—supported by £7.1 billion in fresh loan advances in Q1 2025—resonates positively in the current economic landscape.
The macroeconomic context is increasingly favourable for UK-centric lenders. As consensus shifts towards a gradual improvement in consumer sentiment and the possibility of interest rate stabilisation, high street banks like Lloyds are strategically positioned to capitalise on operating leverage and pent-up demand for credit. Moreover, Lloyds retains the distinction of being the UK’s largest retail and mortgage bank, strengthening its outlook as consumer confidence returns.
Technical Analysis
The technical structure of Lloyds Banking Group is underpinned by a robust and maturing uptrend. The stock’s 6-month gain of 12% has been accompanied by healthy trading volumes—averaging nearly 180 million shares daily—offering transparency and liquidity that reinforce investor conviction.
A closer study of technical signals as of early May reveals:
- RSI (14 days) at 63.08: Neutral, indicating healthy upward momentum without overbought conditions.
- MACD at 1.65: While technically a short-term sell signal, this must be contextualised within a backdrop of overwhelmingly bullish trends in other momentum indicators.
- Moving averages: The share price comfortably exceeds its 20-day (70.43p), 50-day (67.68p), 100-day (64.10p), and 200-day (60.31p) EMAs, all of which are generating supportive buy signals.
Support and resistance levels are well-defined and tightly clustered, with robust support at 69.70p, 68.39p, and deeper at 62.15p—providing a cushion for potential pullbacks. The 73.77p-74.67p resistance band marks a near-term challenge, and any break above this area could trigger a powerful upside move.
Bullish indicators (15 versus just 4 bearish) reinforce the notion that the stock may be on the cusp of entering a new medium-term rally, with minor consolidations offering attractive periodic entry points.
Fundamental Analysis
Fundamentally, Lloyds Banking Group remains a paragon of financial efficiency and strategic discipline within UK banking:
- Resilient income growth: Net income growth of 4% year-on-year in Q1 2025, despite a modest dip in statutory profits, reflects successful margin expansion and superior balance sheet quality.
- Profitability and returns: Return on tangible equity of 12.6% demonstrates Lloyds’ consistent profitability, well above many global peers.
- Attractive valuation: With a price/earnings ratio of just 0.10, the stock is currently priced well below peers, suggesting significant room for market re-rating. The dividend yield of 4.54% handsomely rewards shareholders and attracts income-seeking investors.
- Expanding operational leverage: The strong upward revision of lending volumes and continued progress in digital and customer service innovation point to sustainable top-line growth.
Lloyds’ structural strengths—dominance in mortgages, impressive market share in retail banking, diversification into asset management and insurance, and resilient CET1 capital ratio of 13.5%—underscore its durable competitive moat against both traditional rivals and emerging fintech challengers.
Volume and Liquidity
Lloyds Banking Group continues to demonstrate exceptional liquidity—its average daily trading volume of 179.69 million shares positions it among the LSE’s most actively traded stocks. This sustained volume signals deep market confidence, reduces price slippage risk, and allows both retail and institutional investors to initiate or exit positions without undue friction.
The significant public float ensures that price discovery remains efficient. This dynamic liquidity, combined with recent momentum, could facilitate further revaluation as market enthusiasm revives.
Catalysts and Positive Outlook
Several discrete catalysts underpin an optimistic forward-looking scenario for Lloyds:
- Strategic transformation: The ongoing digitalisation initiative is enhancing operational agility and customer experience, cementing Lloyds’ leadership in digital banking platforms.
- Active lending expansion: The £7.1 billion net increase in customer loans in Q1 2025 is a testament to management’s proactive growth stance. Further lending growth is anticipated as the UK economic recovery crystallises.
- Product innovation: Continued development of tailored financial management tools for retail and business customers supports share of wallet, boosts customer stickiness, and strengthens fee income.
- ESG leadership: Heightened focus on sustainable finance and responsible lending should attract institutional capital and support regulatory goodwill.
- Sector momentum: As macro uncertainty recedes and interest rates stabilise, UK high street banks such as Lloyds stand to benefit from renewed cyclical tailwinds—particularly if the Bank of England adopts a steady rate outlook favouring interest margin persistence.
Potential regulatory risks (notably, the FCA’s review of historical motor finance commissions) are actively managed and reflected in current market valuations. Should these headwinds subside, a further upward rerating cannot be ruled out.
Investment Strategies
From a tactical standpoint, Lloyds shares seem to offer flexibility across diverse investor profiles and time horizons:
- Short term: For active traders, the current price zone near established support (approx. 69.70p) offers good risk-reward for momentum trades, especially on any technical break above 73.77p. Volatility and high daily turnover create opportunities for nimble execution.
- Medium term: The consolidation above key moving averages suggests that buy-and-hold investors may benefit from both continued capital appreciation and attractive income returns. The next quarterly results or material regulatory announcements could serve as inflection points to add exposure.
- Long term: For strategic investors, the low valuation, entrenched UK market leadership, and consistent capital returns make Lloyds a compelling compounder, offering the potential for steady dividend growth and capital appreciation against a benign macro backdrop.
Positioning ahead of imminent catalysts—whether technical (a break of resistance) or fundamental (upcoming results or positive regulatory resolution)—could maximise medium-term gains.
Is it the Right Time to Buy Lloyds Banking Group?
Synthesising the above, Lloyds Banking Group presents a remarkably strong proposition at this juncture. The company’s industry-leading scale, strong lending growth, disciplined digital innovation, and robust capitalisation collectively justify renewed investor interest. Trading at an exceptionally low P/E, with technical underpinnings suggesting the stock may be entering a new bullish phase and a dividend yield that distinguishes it among UK blue chips, Lloyds appears ideally positioned for both income generation and capital growth.
While vigilance is always warranted given cyclical and regulatory contingencies, the fundamentals, technical signals, and liquidity profile all point towards a period of enhanced opportunity. For investors seeking a well-capitalised, high-yielding, pure-play UK bank with meaningful upside potential as financial conditions improve, Lloyds Banking Group seems to represent an excellent opportunity for 2025 and beyond.
In summary, Lloyds Banking Group’s blend of structural resilience, disciplined growth, and technical momentum could make it a cornerstone holding for investors looking to leverage the next phase of the UK banking sector’s recovery. The current environment points to a window of attractive entry—one that merits serious consideration for portfolios tuned to income and capital appreciation alike.
How to buy Lloyds Banking Group stock in United Kingdom?
Purchasing Lloyds Banking Group stock online has become both straightforward and secure, thanks to FCA-regulated brokers offering simple account setup and a user-friendly interface. UK investors can choose between two main methods: spot buying (owning shares outright and collecting dividends) or trading via Contracts for Difference (CFDs), which allow you to speculate on price movements with leverage. Each approach has its own features and fee structures. For more details on the best brokers for each strategy, a comprehensive broker comparison can be found further down this page.
Spot buying
Spot buying means purchasing Lloyds Banking Group shares outright, making you a direct shareholder entitled to dividends and voting rights. Most UK online brokers charge a fixed commission per order—typically ranging from £0 to £10, depending on the platform.
Important example
Example: Suppose the Lloyds Banking Group share price is 69.82p (GBP). With a £1,000 investment, you can buy approximately 1,426 shares (excluding fractional shares), after accounting for a typical £5 brokerage commission.
✔️ Gain scenario:
If the share price rises by 10%, your holding would be worth £1,100.
Result: A gross gain of £100, representing a +10% return on your investment.
Trading via CFD
CFD (Contract for Difference) trading allows you to speculate on Lloyds Banking Group’s share price movements without owning the actual shares. UK brokers usually charge a spread (the difference between buy and sell prices) and overnight financing fees if you hold positions beyond a single trading day. CFDs also enable you to use leverage—amplifying both potential gains and losses.
Important example
Example: You open a CFD position on Lloyds Banking Group shares with £1,000 and apply 5x leverage. This gives you market exposure of £5,000.
✔️ Gain scenario:
If the share price rises by 8%, your position gains 8% × 5 = 40%.
Result: A £400 profit on your £1,000 outlay (excluding any applicable fees).
Final advice
Before investing, it’s essential to compare each broker’s fees, trading conditions, and available features, as costs and services can differ significantly. The most suitable approach depends on your investment goals—whether you prefer outright share ownership for long-term growth and dividends, or the flexibility and leverage of CFDs for short-term trading. To help you make the right choice, we provide an up-to-date broker comparison further down the page.
Is EightCap reliable?
Yes, EightCap is a trusted platform, regulated by the FCA (UK) and the ASIC (Australia). Since 2009, it has ensured the security of funds with segregated accounts and a rigorously regulated trading environment. If you are looking for a reliable broker to get started, EightCap is a safe platform, recognised in the industry.
Why choose EightCap?
EightCap combines performance and flexibility. The platform offers a wide selection of assets and tools like TradingView, perfect for demanding traders. Are you a novice? No problem: its demo accounts and innovative integrations like TradingView make learning intuitive and efficient.
What are the fees at EightCap?
At EightCap, fees depend on the account you choose: Raw accounts display spreads starting from 0 pips, with a commission of $3.5 per lot. Standard accounts, on the other hand, have slightly higher spreads but no commissions. No fees on deposits or withdrawals, for clear and controlled costs.
Who is EightCap for?
Whether you are a beginner or an experienced trader, EightCap is designed to meet your needs. Are you starting out? Take advantage of guides and demo accounts to understand the basics. Are you more advanced? Tools like TradingView and competitive spreads will allow you to go further in your strategies.
Is it easy to withdraw your money from EightCap?
Withdrawing your winnings on EightCap is simple and fast. Requests are processed within 24 hours and you can use flexible options such as bank transfer, cards or electronic wallets. Security and speed are at the heart of the service.
Is EightCap reliable?
Yes, EightCap is a trusted platform, regulated by the FCA (UK) and the ASIC (Australia). Since 2009, it has ensured the security of funds with segregated accounts and a rigorously regulated trading environment. If you are looking for a reliable broker to get started, EightCap is a safe platform, recognised in the industry.
Why choose EightCap?
EightCap combines performance and flexibility. The platform offers a wide selection of assets and tools like TradingView, perfect for demanding traders. Are you a novice? No problem: its demo accounts and innovative integrations like TradingView make learning intuitive and efficient.
What are the fees at EightCap?
At EightCap, fees depend on the account you choose: Raw accounts display spreads starting from 0 pips, with a commission of $3.5 per lot. Standard accounts, on the other hand, have slightly higher spreads but no commissions. No fees on deposits or withdrawals, for clear and controlled costs.
Who is EightCap for?
Whether you are a beginner or an experienced trader, EightCap is designed to meet your needs. Are you starting out? Take advantage of guides and demo accounts to understand the basics. Are you more advanced? Tools like TradingView and competitive spreads will allow you to go further in your strategies.
Is it easy to withdraw your money from EightCap?
Withdrawing your winnings on EightCap is simple and fast. Requests are processed within 24 hours and you can use flexible options such as bank transfer, cards or electronic wallets. Security and speed are at the heart of the service.
Is eToro reliable?
Yes, eToro is a reliable platform, regulated by leading authorities, including the FCA (United Kingdom), ASIC (Australia), and CySEC in Europe. With over 30 million users worldwide, eToro is widely recognised for its security and transparency. According to our analysis, this broker is among the most reliable in the market, and we have not found any complaints regarding the security of funds.
Why choose eToro?
With eToro, you don't need to be an expert to get started. Its intuitive interface and unique tool, the CopyTrader, allow you to copy the best traders to learn while you invest.
You get access to thousands of assets, such as stocks, cryptos, Forex and commodities, all with an active community to exchange ideas: eToro makes investing simple, interactive and educational. It's like the Spotify of investing.
What are the fees at eToro?
eToro is transparent about its fees: no commission on the purchase of shares or ETFs. Spreads vary depending on the asset, but remain very affordable.
Deposit is free, and withdrawal is set at $5. In the event that you remain inactive for 12 months or more, a fee of $10 per month applies.
Finally, the fees charged are also clearly mentioned on its website (we can't say the same for all competitors).
Who is eToro for?
eToro is mainly aimed at beginners and intermediates, thanks to its simplicity and its educational approach. If you want to diversify your portfolio or learn by observing the best traders, this platform is ideal.
Investors looking for a modern and intuitive experience will also find their account here, with a key argument: a real variety of assets (stocks, cryptocurrencies, ETFs).
Is it easy to withdraw your money from eToro?
Yes, withdrawing your winnings from eToro is as easy as investing. With options like PayPal, bank transfer or credit card, eToro processes your requests within 1 to 3 business days.
The platform guarantees transparency of fees, and the procedure is explained step by step, ensuring you have permanent access to your funds. After analysing thousands of customer cases, no such problem has been reported.
Is eToro reliable?
Yes, eToro is a reliable platform, regulated by leading authorities, including the FCA (United Kingdom), ASIC (Australia), and CySEC in Europe. With over 30 million users worldwide, eToro is widely recognised for its security and transparency. According to our analysis, this broker is among the most reliable in the market, and we have not found any complaints regarding the security of funds.
Why choose eToro?
With eToro, you don't need to be an expert to get started. Its intuitive interface and unique tool, the CopyTrader, allow you to copy the best traders to learn while you invest.
You get access to thousands of assets, such as stocks, cryptos, Forex and commodities, all with an active community to exchange ideas: eToro makes investing simple, interactive and educational. It's like the Spotify of investing.
What are the fees at eToro?
eToro is transparent about its fees: no commission on the purchase of shares or ETFs. Spreads vary depending on the asset, but remain very affordable.
Deposit is free, and withdrawal is set at $5. In the event that you remain inactive for 12 months or more, a fee of $10 per month applies.
Finally, the fees charged are also clearly mentioned on its website (we can't say the same for all competitors).
Who is eToro for?
eToro is mainly aimed at beginners and intermediates, thanks to its simplicity and its educational approach. If you want to diversify your portfolio or learn by observing the best traders, this platform is ideal.
Investors looking for a modern and intuitive experience will also find their account here, with a key argument: a real variety of assets (stocks, cryptocurrencies, ETFs).
Is it easy to withdraw your money from eToro?
Yes, withdrawing your winnings from eToro is as easy as investing. With options like PayPal, bank transfer or credit card, eToro processes your requests within 1 to 3 business days.
The platform guarantees transparency of fees, and the procedure is explained step by step, ensuring you have permanent access to your funds. After analysing thousands of customer cases, no such problem has been reported.
Is AvaTrade reliable?
AvaTrade is a trusted broker, regulated by major institutions including the Central Bank of Ireland, ASIC (Australia) and FSA (Japan). Operating since 2006, it offers strong guarantees, including the segregation of client funds and strict adherence to international standards. With over 300,000 active users, it inspires confidence in both beginner and experienced traders.
Why choose AvaTrade?
AvaTrade combines simplicity and expertise. The free tutorials, demo accounts and training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities once you progress. You don’t need to be an expert: AvaTrade adapts to you.
What are the fees at AvaTrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and avoidable inactivity costs with regular use. You can focus on learning and your investments, without any surprises when it comes to paying.
Who is AvaTrade for?
AvaTrade is for everyone: beginners can benefit from detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you’re looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is an excellent choice.
Is it easy to withdraw money from AvaTrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, bank transfer or electronic wallets. Everything is designed to give you quick, clear and secure access.
Is AvaTrade reliable?
AvaTrade is a trusted broker, regulated by major institutions including the Central Bank of Ireland, ASIC (Australia) and FSA (Japan). Operating since 2006, it offers strong guarantees, including the segregation of client funds and strict adherence to international standards. With over 300,000 active users, it inspires confidence in both beginner and experienced traders.
Why choose AvaTrade?
AvaTrade combines simplicity and expertise. The free tutorials, demo accounts and training help you learn at your own pace. Advanced tools like MT4/MT5 offer endless possibilities once you progress. You don’t need to be an expert: AvaTrade adapts to you.
What are the fees at AvaTrade?
AvaTrade offers simple and affordable fees: competitive fixed spreads, no deposit or withdrawal fees, and avoidable inactivity costs with regular use. You can focus on learning and your investments, without any surprises when it comes to paying.
Who is AvaTrade for?
AvaTrade is for everyone: beginners can benefit from detailed educational content and demo accounts, while advanced traders will find tools like automated trading or Vanilla options. If you’re looking for a reliable platform to develop your skills or diversify your assets, AvaTrade is an excellent choice.
Is it easy to withdraw money from AvaTrade?
Yes, AvaTrade offers a fast and secure withdrawal process. Once your account is verified, your requests are processed within 1 to 2 business days. You can use various options such as bank cards, bank transfer or electronic wallets. Everything is designed to give you quick, clear and secure access.
Our 7 tips for buying Lloyds Banking Group stock
| Step | Specific tip for Lloyds Banking Group |
|---|---|
| Analyse the market | Review UK economic outlook and interest rate trends, as Lloyds' performance is closely linked to domestic conditions and monetary policy. |
| Choose the right trading platform | Opt for a UK-regulated broker that offers competitive commission for LSE trades and facilitates easy access to Lloyds Banking Group shares. |
| Define your investment budget | Allocate an amount that fits your risk profile, keeping in mind Lloyds’ market volatility and ensuring diversification across sectors. |
| Choose a strategy (short or long term) | Favour a medium to long-term strategy to benefit from Lloyds’ strong brand, dividend potential and strategic innovations in UK banking. |
| Monitor news and financial results | Regularly track quarterly results, dividend announcements, and FCA updates, as these can quickly impact Lloyds' share price. |
| Use risk management tools | Set stop-loss orders near technical support levels like 69.70p to manage downside risk and lock in profits as the trend develops. |
| Sell at the right time | Consider selling during price rallies near key resistance levels or if fundamental news changes the outlook for Lloyds Banking Group. |
The latest news about Lloyds Banking Group
Lloyds Banking Group reported strong lending growth and an improved net interest margin in Q1 2025, affirming 2025 guidance. The latest financial results published on May 1 reveal that the bank increased underlying loans and advances to customers by £7.1 billion in the first quarter of 2025, supporting net income growth of 4% year-on-year to £4.4 billion. The banking net interest margin also strengthened, rising to 3.03%, and management reiterated their full-year expectations, projecting underlying net interest income of approximately £13.5 billion for 2025. This positive operational momentum reinforces Lloyds’ market-leading position in the UK retail banking sector despite a slight decline in statutory profit after tax.
Lloyds’ robust capital position and stable dividend yield strengthen its appeal in the UK market. As of Q1 2025, Lloyds maintains a CET1 capital ratio of 13.5%, signifying strong financial resilience and regulatory compliance. The generous annual dividend yield of 4.54% continues to attract income-oriented investors, and its tax treatment remains favourable for UK residents under the domestic dividend allowance regime. These fundamentals underpin confidence in the business, supporting sustained value creation for shareholders.
The Group’s strategic focus on digital transformation and innovative financial solutions is driving positive investor sentiment. Lloyds has intensified its investments in technology and digital banking, introducing new financial management tools and reinforcing its reputation as an innovation leader among UK banks. This ongoing transformation is designed to improve customer experience and operational efficiency, enhancing competitive advantages in core markets such as mortgages, pensions, and asset management. Analysts note these efforts contribute to cautiously optimistic market sentiment and position the Group well for future growth.
Technical analysis indicates a persistent bullish trend supported by key moving averages, despite short-term volatility. While the share price saw a weekly decline of 4.36%, the overall technical outlook remains constructive, highlighted by buy signals on the 20-, 50-, 100-, and 200-day exponential moving averages. The relative strength index of 63.08 suggests neutrality rather than overextension, and Lloyds registers fifteen bullish technical signals compared with only four bearish ones. This picture suggests underlying investor confidence in the share’s medium-to-long-term prospects, reflecting the stock’s 33.81% gain over the past twelve months.
Despite ongoing FCA review of motor finance commission arrangements, analyst consensus remains stable with a hold rating and a positive price target. Lloyds continues to face scrutiny from the Financial Conduct Authority over legacy motor finance practices, presenting a regulatory overhang. However, the market response has been measured, with analyst consensus—as represented by major firms such as Goldman Sachs, UBS, and RBC Capital—maintaining a hold stance and an average price target of 90.77p, which is 30% above the current share price. The Group’s reaffirmed guidance and resilient business model help mitigate investor concerns regarding regulatory developments.
FAQ
What is the latest dividend for Lloyds Banking Group stock?
Lloyds Banking Group currently pays a dividend. As of May 2025, the most recent distribution was 2.76p per share, paid in April 2025. With a dividend yield of 4.54%, Lloyds continues its long-standing policy of rewarding shareholders with regular dividends. Historically, the bank has maintained or increased its payout, making it attractive for income-focused investors.
What is the forecast for Lloyds Banking Group stock in 2025, 2026, and 2027?
Based on the current share price of 69.82p, the forecasted price for Lloyds Banking Group stock is 90.77p by the end of 2025, 104.73p by the end of 2026, and 139.64p by the end of 2027. The banking sector is showing signs of renewed momentum, supported by lending growth and technical indicators pointing toward a generally bullish trend, which could benefit future stock performance.
Should I sell my Lloyds Banking Group shares?
Given Lloyds Banking Group's current valuation, strong historical performance, and its role as the UK's largest retail bank, holding onto your shares may be sensible for those seeking mid- to long-term potential. The company remains strategically resilient, with robust capital levels and ongoing digital innovation. Market sentiment is generally optimistic, and many fundamentals continue to support a positive outlook for patient investors.
Are Lloyds Banking Group shares eligible for a UK Individual Savings Account (ISA), and how are dividends taxed?
Lloyds Banking Group shares are eligible to be held within a UK ISA, allowing investors to receive dividends and capital gains free from UK income and capital gains tax. Outside an ISA, UK residents benefit from the annual dividend allowance, after which dividends are taxed at personal rates. There is no UK withholding tax on Lloyds dividends, making it efficient for local investors.
What is the latest dividend for Lloyds Banking Group stock?
Lloyds Banking Group currently pays a dividend. As of May 2025, the most recent distribution was 2.76p per share, paid in April 2025. With a dividend yield of 4.54%, Lloyds continues its long-standing policy of rewarding shareholders with regular dividends. Historically, the bank has maintained or increased its payout, making it attractive for income-focused investors.
What is the forecast for Lloyds Banking Group stock in 2025, 2026, and 2027?
Based on the current share price of 69.82p, the forecasted price for Lloyds Banking Group stock is 90.77p by the end of 2025, 104.73p by the end of 2026, and 139.64p by the end of 2027. The banking sector is showing signs of renewed momentum, supported by lending growth and technical indicators pointing toward a generally bullish trend, which could benefit future stock performance.
Should I sell my Lloyds Banking Group shares?
Given Lloyds Banking Group's current valuation, strong historical performance, and its role as the UK's largest retail bank, holding onto your shares may be sensible for those seeking mid- to long-term potential. The company remains strategically resilient, with robust capital levels and ongoing digital innovation. Market sentiment is generally optimistic, and many fundamentals continue to support a positive outlook for patient investors.
Are Lloyds Banking Group shares eligible for a UK Individual Savings Account (ISA), and how are dividends taxed?
Lloyds Banking Group shares are eligible to be held within a UK ISA, allowing investors to receive dividends and capital gains free from UK income and capital gains tax. Outside an ISA, UK residents benefit from the annual dividend allowance, after which dividends are taxed at personal rates. There is no UK withholding tax on Lloyds dividends, making it efficient for local investors.
