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Upturn AI SWOT - About
LYG 
Lloyds Banking Group PLC ADR (LYG)
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Upturn Advisory Summary
04/01/2025: LYG (4-star) is a STRONG-BUY. BUY since 49 days. Profits (26.58%). 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.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 44.58% | Avg. Invested days 45 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 57.51B USD | Price to earnings Ratio 11.91 | 1Y Target Price 3.72 |
Price to earnings Ratio 11.91 | 1Y Target Price 3.72 | ||
Volume (30-day avg) 41599450 | Beta 1.25 | 52 Weeks Range 2.37 - 3.91 | Updated Date 04/2/2025 |
52 Weeks Range 2.37 - 3.91 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 4.15% | Basic EPS (TTM) 0.32 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.26% | Operating Margin (TTM) 25.21% |
Management Effectiveness
Return on Assets (TTM) 0.5% | Return on Equity (TTM) 9.6% |
Valuation
Trailing PE 11.91 | Forward PE 10.52 | Enterprise Value 194855878656 | Price to Sales(TTM) 3.29 |
Enterprise Value 194855878656 | Price to Sales(TTM) 3.29 | ||
Enterprise Value to Revenue 3.34 | Enterprise Value to EBITDA - | Shares Outstanding 15095799808 | Shares Floating 56538519472 |
Shares Outstanding 15095799808 | Shares Floating 56538519472 | ||
Percent Insiders - | Percent Institutions 3.24 |
Analyst Ratings
Rating 3.5 | Target Price 3.45 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Lloyds Banking Group PLC ADR
Company Overview
History and Background
Lloyds Banking Group PLC, tracing its roots back to 1695 with the founding of Bank of Scotland, evolved through numerous mergers and acquisitions, including the 2009 acquisition of HBOS. It's one of the UK's largest financial services organizations.
Core Business Areas
- Retail Banking: Offers current accounts, savings products, mortgages, personal loans, and credit cards to individual customers.
- Commercial Banking: Provides lending, transaction banking, risk management, and investment services to small and medium-sized enterprises (SMEs) and larger corporations.
- Insurance and Wealth: Offers life insurance, pensions, investment products, and wealth management services.
Leadership and Structure
Charlie Nunn is the Group Chief Executive. The Group is structured into divisions aligned with its core business areas, overseen by a Board of Directors.
Top Products and Market Share
Key Offerings
- Mortgages: A significant portion of Lloyds' business comes from mortgages in the UK. Competitors include NatWest, Barclays, and HSBC. Market share fluctuates but generally hovers around 20-25% in the UK.
- Current Accounts: Lloyds offers a variety of current accounts. Competitors include NatWest, Barclays, HSBC, and digital banks like Monzo and Starling. Market share is significant, around 15-20% of the UK market.
- Savings Accounts: Offers savings solutions. Competitors include NatWest, Barclays, HSBC, and digital banks like Monzo and Starling.
Market Dynamics
Industry Overview
The banking industry is facing increased competition from fintech companies, regulatory scrutiny, and economic uncertainty, including interest rate fluctuations and potential recessions. Digitalization and changing customer expectations are also key trends.
Positioning
Lloyds is a major player in the UK banking sector, with a strong focus on retail and commercial banking. Its competitive advantages include its established brand, large customer base, and extensive branch network, although the branch network is shrinking.
Total Addressable Market (TAM)
The UK banking sector's TAM is estimated to be in the hundreds of billions of GBP annually. Lloyds is well-positioned to capture a substantial share due to its scale and market presence.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in the UK
- Large customer base
- Extensive branch network (although decreasing)
- Solid capital position
- Diversified business model
Weaknesses
- Heavily reliant on the UK economy
- Vulnerable to regulatory changes
- Legacy IT systems
- Relatively low international presence
- Reputational risks from past scandals
Opportunities
- Expansion into new financial services areas
- Increased digitalization and automation
- Growth in wealth management
- Strategic acquisitions
- Increased lending to SMEs
Threats
- Economic downturn in the UK
- Increased competition from fintech companies
- Regulatory changes and compliance costs
- Cybersecurity threats
- Negative interest rates
Competitors and Market Share
Key Competitors
- BAC
- HSBC
- BCS
- ING
Competitive Landscape
Lloyds benefits from a large UK customer base. However, BAC and HSBC have larger global operations. Increased competition from fintech companies is also a concern for Lloyds' competitive advantages.
Major Acquisitions
MBNA UK Credit Card Business
- Year: 2017
- Acquisition Price (USD millions): 2324.25
- Strategic Rationale: Increased market share in the UK credit card market.
Growth Trajectory and Initiatives
Historical Growth: Lloyds' growth has been influenced by economic cycles and strategic initiatives. Recent years have seen a focus on cost reduction and digitalization.
Future Projections: Analyst projections vary but generally anticipate moderate growth in earnings and dividends, driven by economic recovery and efficiency improvements.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, cost-cutting measures, and expansion into new areas like wealth management.
Summary
Lloyds is a major player in UK banking with a strong retail presence. It faces economic headwinds and increasing competition from fintech companies. Strategic initiatives focused on digitalization and cost efficiency are critical for future success, but they must manage the complex regulatory landscape. Over reliance on the UK market and the potential for economic downturn are risks to watch out for.
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BAC
Bank of America Corp
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BCS
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BCS
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HSBC
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ING
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Sources and Disclaimers
Data Sources:
- Lloyds Banking Group PLC Annual Reports
- Financial Times
- Reuters
- Analyst Reports
- Sec Filings
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market data is subject to change. All dollar values are converted from GBP to USD using historical conversion rates and may not reflect current exchange rates.
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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