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Lloyds Banking Group PLC
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Let's analyse Lloyds Banking Group PLC together

PenkeI guess you are interested in Lloyds Banking Group PLC. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Lloyds Banking Group PLC. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Lloyds Banking Group PLC (30 sec.)










What can you expect buying and holding a share of Lloyds Banking Group PLC? (30 sec.)

How much money do you get?

How much money do you get?
p0.13
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
p1,197.97
Expected worth in 1 year
p5,717.06
How sure are you?
80.0%

+ What do you gain per year?

Total Gains per Share
p4,529.13
Return On Investment
8,750.3%

For what price can you sell your share?

Current Price per Share
p51.76
Expected price per share
p50.02 - p
How sure are you?
50%

1. Valuation of Lloyds Banking Group PLC (5 min.)




Live pricePrice per Share (EOD)

p51.76

Intrinsic Value Per Share

p-340.30 - p332.78

Total Value Per Share

p857.67 - p1,530.75

2. Growth of Lloyds Banking Group PLC (5 min.)




Is Lloyds Banking Group PLC growing?

Current yearPrevious yearGrowGrow %
How rich?$994b$59.9b$934b94.0%

How much money is Lloyds Banking Group PLC making?

Current yearPrevious yearGrowGrow %
Making money$6.8b$6.8b$1.2m0.0%
Net Profit Margin28.4%30.0%--

How much money comes from the company's main activities?

3. Financial Health of Lloyds Banking Group PLC (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Lloyds Banking Group PLC? (5 min.)

Welcome investor! Lloyds Banking Group PLC's management wants to use your money to grow the business. In return you get a share of Lloyds Banking Group PLC.

What can you expect buying and holding a share of Lloyds Banking Group PLC?

First you should know what it really means to hold a share of Lloyds Banking Group PLC. And how you can make/lose money.

Speculation

The Price per Share of Lloyds Banking Group PLC is p51.76. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Lloyds Banking Group PLC.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Lloyds Banking Group PLC, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is p1,197.97. Based on the TTM, the Book Value Change Per Share is p1,129.77 per quarter. Based on the YOY, the Book Value Change Per Share is p-1,048.84 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is p2.51 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Lloyds Banking Group PLC.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 p% of Price per Sharep% of Price per Sharep% of Price per Sharep% of Price per Sharep% of Price per Share
Usd Eps0.100.2%0.100.2%0.090.2%0.070.1%0.050.1%
Usd Book Value Change Per Share14.2627.5%14.2627.5%-13.23-25.6%2.855.5%1.442.8%
Usd Dividend Per Share0.030.1%0.030.1%0.030.1%0.020.0%0.030.1%
Usd Total Gains Per Share14.2927.6%14.2927.6%-13.21-25.5%2.875.5%1.472.8%
Usd Price Per Share0.60-0.60-0.57-0.61-0.72-
Price to Earnings Ratio5.75-5.75-6.30-13.32-26.06-
Price-to-Total Gains Ratio0.04-0.04--0.04-0.36-1.54-
Price to Book Ratio0.04-0.04-0.67-0.17-0.57-
Price-to-Total Gains Ratio0.04-0.04--0.04-0.36-1.54-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.65310768
Number of shares1531
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.030.02
Usd Book Value Change Per Share14.262.85
Usd Total Gains Per Share14.292.87
Gains per Quarter (1531 shares)21,873.634,397.76
Gains per Year (1531 shares)87,494.5317,591.06
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
119487301874851501744117581
23881746011749803013488135172
35822619022624754515232252763
47763492023499706016976370354
59704365034374657528720487945
61164523803524960902104644105536
713586111046124551052122085123127
815526984046999501203139526140718
917467857057874451353156966158309
1019408730058749401503174407175900

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%25.04.00.086.2%
Book Value Change Per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%8.02.00.080.0%22.07.00.075.9%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%21.00.08.072.4%
Total Gains per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%8.02.00.080.0%22.07.00.075.9%

Fundamentals of Lloyds Banking Group PLC

About Lloyds Banking Group PLC

Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom and internationally. It operates in 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, leasing solutions, and 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-sized entities, 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, Citra, IWeb, Cavendish Online, and Tusker brand names. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.

Fundamental data was last updated by Penke on 2024-03-10 16:34:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is just able to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is underpriced.

1.1. Profitability of Lloyds Banking Group PLC.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Lloyds Banking Group PLC earns for each 1 of revenue.

  • Above 10% is considered healthy but always compare Lloyds Banking Group PLC to the Banks - Regional industry mean.
  • A Net Profit Margin of 28.4% means that 0.28 for each 1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Lloyds Banking Group PLC:

  • The MRQ is 28.4%. The company is making a huge profit. +2
  • The TTM is 28.4%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ28.4%TTM28.4%0.0%
TTM28.4%YOY30.0%-1.6%
TTM28.4%5Y23.7%+4.7%
5Y23.7%10Y16.1%+7.6%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ28.4%18.4%+10.0%
TTM28.4%28.0%+0.4%
YOY30.0%25.2%+4.8%
5Y23.7%22.8%+0.9%
10Y16.1%19.8%-3.7%
1.1.2. Return on Assets

Shows how efficient Lloyds Banking Group PLC is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Lloyds Banking Group PLC to the Banks - Regional industry mean.
  • 0.6% Return on Assets means that Lloyds Banking Group PLC generated 0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Lloyds Banking Group PLC:

  • The MRQ is 0.6%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.6%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.6%TTM0.6%0.0%
TTM0.6%YOY0.6%0.0%
TTM0.6%5Y0.5%+0.1%
5Y0.5%10Y0.4%+0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6%0.1%+0.5%
TTM0.6%0.2%+0.4%
YOY0.6%0.2%+0.4%
5Y0.5%0.2%+0.3%
10Y0.4%0.2%+0.2%
1.1.3. Return on Equity

Shows how efficient Lloyds Banking Group PLC is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Lloyds Banking Group PLC to the Banks - Regional industry mean.
  • 11.6% Return on Equity means Lloyds Banking Group PLC generated 0.12 for each 1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Lloyds Banking Group PLC:

  • The MRQ is 11.6%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 11.6%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ11.6%TTM11.6%0.0%
TTM11.6%YOY11.5%+0.0%
TTM11.6%5Y8.6%+3.0%
5Y8.6%10Y6.8%+1.8%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ11.6%1.4%+10.2%
TTM11.6%2.5%+9.1%
YOY11.5%2.7%+8.8%
5Y8.6%2.5%+6.1%
10Y6.8%2.8%+4.0%

1.2. Operating Efficiency of Lloyds Banking Group PLC.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Lloyds Banking Group PLC is operating .

  • Measures how much profit Lloyds Banking Group PLC makes for each 1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Lloyds Banking Group PLC to the Banks - Regional industry mean.
  • An Operating Margin of 38.7% means the company generated 0.39  for each 1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Lloyds Banking Group PLC:

  • The MRQ is 38.7%. The company is operating very efficient. +2
  • The TTM is 38.7%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ38.7%TTM38.7%0.0%
TTM38.7%YOY57.8%-19.0%
TTM38.7%5Y33.9%+4.9%
5Y33.9%10Y23.9%+9.9%
1.2.2. Operating Ratio

Measures how efficient Lloyds Banking Group PLC is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.56 means that the operating costs are 0.56 for each 1 in net sales.

Let's take a look of the Operating Ratio trends of Lloyds Banking Group PLC:

  • The MRQ is 0.563. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.563. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.563TTM0.5630.000
TTM0.563YOY0.534+0.028
TTM0.5635Y0.609-0.046
5Y0.60910Y0.712-0.104

1.3. Liquidity of Lloyds Banking Group PLC.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Lloyds Banking Group PLC is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 2.02 means the company has 2.02 in assets for each 1 in short-term debts.

Let's take a look of the Current Ratio trends of Lloyds Banking Group PLC:

  • The MRQ is 2.019. The company is able to pay all its short-term debts. +1
  • The TTM is 2.019. The company is able to pay all its short-term debts. +1
Trends
Current periodCompared to+/- 
MRQ2.019TTM2.0190.000
TTM2.019YOY1.202+0.817
TTM2.0195Y1.011+1.008
5Y1.01110Y1.208-0.197
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM2.0190.124+1.895
YOY1.2020.225+0.977
5Y1.0110.219+0.792
10Y1.2080.131+1.077
1.3.2. Quick Ratio

Measures if Lloyds Banking Group PLC is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Lloyds Banking Group PLC to the Banks - Regional industry mean.
  • A Quick Ratio of 2.02 means the company can pay off 2.02 for each 1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Lloyds Banking Group PLC:

  • The MRQ is 2.019. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 2.019. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ2.019TTM2.0190.000
TTM2.019YOY0.744+1.275
TTM2.0195Y0.840+1.179
5Y0.84010Y0.456+0.384

1.4. Solvency of Lloyds Banking Group PLC.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Lloyds Banking Group PLC assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Lloyds Banking Group PLC to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.11 means that Lloyds Banking Group PLC assets are financed with 10.6% credit (debt) and the remaining percentage (100% - 10.6%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Lloyds Banking Group PLC:

  • The MRQ is 0.106. The company is very able to pay all its debts by selling its assets. +2
  • The TTM is 0.106. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.106TTM0.1060.000
TTM0.106YOY0.946-0.840
TTM0.1065Y0.280-0.174
5Y0.28010Y0.610-0.330
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1060.915-0.809
TTM0.1060.917-0.811
YOY0.9460.919+0.027
5Y0.2800.919-0.639
10Y0.6100.927-0.317
1.4.2. Debt to Equity Ratio

Measures if Lloyds Banking Group PLC is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Lloyds Banking Group PLC to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 198.6% means that company has 1.99 debt for each 1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Lloyds Banking Group PLC:

  • The MRQ is 1.986. The company is just able to pay all its debts with equity.
  • The TTM is 1.986. The company is just able to pay all its debts with equity.
Trends
Current periodCompared to+/- 
MRQ1.986TTM1.9860.000
TTM1.986YOY17.563-15.577
TTM1.9865Y5.125-3.139
5Y5.12510Y10.494-5.369
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.98610.829-8.843
TTM1.98611.013-9.027
YOY17.56311.363+6.200
5Y5.12511.437-6.312
10Y10.49413.038-2.544

2. Market Valuation of Lloyds Banking Group PLC

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every 1 in earnings Lloyds Banking Group PLC generates.

  • Above 15 is considered overpriced but always compare Lloyds Banking Group PLC to the Banks - Regional industry mean.
  • A PE ratio of 5.75 means the investor is paying 5.75 for every 1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Lloyds Banking Group PLC:

  • The EOD is 6.234. Based on the earnings, the company is cheap. +2
  • The MRQ is 5.746. Based on the earnings, the company is cheap. +2
  • The TTM is 5.746. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD6.234MRQ5.746+0.488
MRQ5.746TTM5.7460.000
TTM5.746YOY6.302-0.556
TTM5.7465Y13.318-7.572
5Y13.31810Y26.062-12.744
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD6.2347.491-1.257
MRQ5.7466.680-0.934
TTM5.7465.295+0.451
YOY6.3026.943-0.641
5Y13.3189.770+3.548
10Y26.0629.943+16.119
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Lloyds Banking Group PLC:

  • The EOD is 25.120. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The MRQ is 23.154. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The TTM is 23.154. Based on how much money comes from the company's main activities, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD25.120MRQ23.154+1.966
MRQ23.154TTM23.1540.000
TTM23.154YOY1.743+21.411
TTM23.1545Y8.353+14.802
5Y8.35310Y1.733+6.619
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD25.120-2.094+27.214
MRQ23.154-1.868+25.022
TTM23.154-0.342+23.496
YOY1.7436.448-4.705
5Y8.3530.429+7.924
10Y1.7330.091+1.642
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Lloyds Banking Group PLC is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.04 means the investor is paying 0.04 for each 1 in book value.

Let's take a look of the Price to Book Ratio trends of Lloyds Banking Group PLC:

  • The EOD is 0.043. Based on the equity, the company is cheap. +2
  • The MRQ is 0.040. Based on the equity, the company is cheap. +2
  • The TTM is 0.040. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.043MRQ0.040+0.003
MRQ0.040TTM0.0400.000
TTM0.040YOY0.666-0.626
TTM0.0405Y0.169-0.129
5Y0.16910Y0.575-0.406
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.0430.433-0.390
MRQ0.0400.386-0.346
TTM0.0400.470-0.430
YOY0.6660.642+0.024
5Y0.1690.795-0.626
10Y0.5751.025-0.450
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Lloyds Banking Group PLC compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--1129.7731129.7730%-1048.840+193%225.704+401%114.257+889%
Book Value Per Share--1197.9701197.9700%68.197+1657%894.400+34%481.045+149%
Current Ratio--2.0192.0190%1.202+68%1.011+100%1.208+67%
Debt To Asset Ratio--0.1060.1060%0.946-89%0.280-62%0.610-83%
Debt To Equity Ratio--1.9861.9860%17.563-89%5.125-61%10.494-81%
Dividend Per Share--2.5112.5110%2.117+19%1.946+29%2.180+15%
Eps--8.3038.3030%7.206+15%5.526+50%4.229+96%
Free Cash Flow Per Share--2.0612.0610%26.056-92%15.580-87%7.332-72%
Free Cash Flow To Equity Per Share---3.262-3.2620%16.565-120%8.383-139%-0.534-84%
Gross Profit Margin--1.0001.0000%0.969+3%0.948+5%0.901+11%
Intrinsic Value_10Y_max--332.784--------
Intrinsic Value_10Y_min---340.302--------
Intrinsic Value_1Y_max--19.454--------
Intrinsic Value_1Y_min---3.146--------
Intrinsic Value_3Y_max--69.040--------
Intrinsic Value_3Y_min---36.319--------
Intrinsic Value_5Y_max--131.392--------
Intrinsic Value_5Y_min---98.683--------
Market Cap3307422671503.360+5%3137409600000.0003137409600000.0000%3164259620000.000-1%3356974672000.000-7%4074064267000.000-23%
Net Profit Margin--0.2840.2840%0.300-5%0.237+20%0.161+76%
Operating Margin--0.3870.3870%0.578-33%0.339+14%0.239+62%
Operating Ratio--0.5630.5630%0.534+5%0.609-8%0.712-21%
Pb Ratio0.043+8%0.0400.0400%0.666-94%0.169-76%0.575-93%
Pe Ratio6.234+8%5.7465.7460%6.302-9%13.318-57%26.062-78%
Price Per Share51.760+8%47.71047.7100%45.410+5%47.972-1%57.117-16%
Price To Free Cash Flow Ratio25.120+8%23.15423.1540%1.743+1229%8.353+177%1.733+1236%
Price To Total Gains Ratio0.046+8%0.0420.0420%-0.043+203%0.365-88%1.537-97%
Quick Ratio--2.0192.0190%0.744+171%0.840+140%0.456+343%
Return On Assets--0.0060.0060%0.0060%0.005+29%0.004+59%
Return On Equity--0.1160.1160%0.115+0%0.086+35%0.068+71%
Total Gains Per Share--1132.2841132.2840%-1046.723+192%227.649+397%116.437+872%
Usd Book Value--994027113000.000994027113000.0000%59961997800.000+1558%788841020160.000+26%425295494280.000+134%
Usd Book Value Change Per Share--14.25514.2550%-13.234+193%2.848+401%1.442+889%
Usd Book Value Per Share--15.11615.1160%0.861+1657%11.286+34%6.070+149%
Usd Dividend Per Share--0.0320.0320%0.027+19%0.025+29%0.028+15%
Usd Eps--0.1050.1050%0.091+15%0.070+50%0.053+96%
Usd Free Cash Flow--1709739000.0001709739000.0000%22909240800.000-93%13883080680.000-88%6526281960.000-74%
Usd Free Cash Flow Per Share--0.0260.0260%0.329-92%0.197-87%0.093-72%
Usd Free Cash Flow To Equity Per Share---0.041-0.0410%0.209-120%0.106-139%-0.007-84%
Usd Market Cap41733059269.029+5%39587834332.80039587834332.8000%39926627885.160-1%42358306411.296-7%51406542921.006-23%
Usd Price Per Share0.653+8%0.6020.6020%0.573+5%0.605-1%0.721-16%
Usd Profit--6889428000.0006889428000.0000%6888166200.000+0%5285932560.000+30%4168987200.000+65%
Usd Revenue--24245487000.00024245487000.0000%22976116200.000+6%22003773120.000+10%30077905140.000-19%
Usd Total Gains Per Share--14.28714.2870%-13.208+192%2.872+397%1.469+872%
 EOD+4 -4MRQTTM+0 -0YOY+23 -135Y+26 -1010Y+25 -11

3.2. Fundamental Score

Let's check the fundamental score of Lloyds Banking Group PLC based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-156.234
Price to Book Ratio (EOD)Between0-10.043
Net Profit Margin (MRQ)Greater than00.284
Operating Margin (MRQ)Greater than00.387
Quick Ratio (MRQ)Greater than12.019
Current Ratio (MRQ)Greater than12.019
Debt to Asset Ratio (MRQ)Less than10.106
Debt to Equity Ratio (MRQ)Less than11.986
Return on Equity (MRQ)Greater than0.150.116
Return on Assets (MRQ)Greater than0.050.006
Total7/10 (70.0%)

3.3. Technical Score

Let's check the technical score of Lloyds Banking Group PLC based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5078.269
Ma 20Greater thanMa 5049.715
Ma 50Greater thanMa 10045.708
Ma 100Greater thanMa 20045.311
OpenGreater thanClose52.230
Total5/5 (100.0%)



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in GBP. All numbers in thousands.

Summary
Total Assets881,453,000
Total Liabilities93,668,000
Total Stockholder Equity47,164,000
 As reported
Total Liabilities 93,668,000
Total Stockholder Equity+ 47,164,000
Total Assets = 881,453,000

Assets

Total Assets881,453,000
Total Current Assets79,022,000
Long-term Assets286,996,000
Total Current Assets
Cash And Cash Equivalents 79,022,000
Total Current Assets  (as reported)79,022,000
Total Current Assets  (calculated)79,022,000
+/-0
Long-term Assets
Property Plant Equipment 9,668,000
Goodwill 2,798,000
Long Term Investments 269,022,000
Intangible Assets 5,508,000
Long-term Assets Other -5,185,000
Long-term Assets  (as reported)286,996,000
Long-term Assets  (calculated)281,811,000
+/- 5,185,000

Liabilities & Shareholders' Equity

Total Current Liabilities39,134,000
Long-term Liabilities93,668,000
Total Stockholder Equity47,164,000
Total Current Liabilities
Short-term Debt 39,095,000
Other Current Liabilities 39,000
Total Current Liabilities  (as reported)39,134,000
Total Current Liabilities  (calculated)39,134,000
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)93,668,000
Long-term Liabilities  (calculated)0
+/- 93,668,000
Total Stockholder Equity
Common Stock6,358,000
Retained Earnings 6,790,000
Other Stockholders Equity 34,016,000
Total Stockholder Equity (as reported)47,164,000
Total Stockholder Equity (calculated)47,164,000
+/-0
Other
Capital Stock6,358,000
Cash and Short Term Investments 79,022,000
Common Stock Shares Outstanding 65,760,000
Liabilities and Stockholders Equity 881,453,000
Net Debt 14,646,000
Net Invested Capital 139,200,000
Net Working Capital 39,888,000
Property Plant and Equipment Gross 9,668,000
Short Long Term Debt Total 93,668,000



Balance Sheet

Currency in GBP. All numbers in thousands.

 Trend2023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-312005-12-312004-12-312003-12-312002-12-312001-12-312000-12-311999-12-311998-12-311997-12-311996-12-311995-12-31
> Total Assets 
148,047,000
147,367,000
158,106,000
167,997,000
299,098,000
219,113,000
237,059,447
252,758,000
251,685,280
279,717,460
309,682,729
343,491,128
353,346,000
436,033,000
1,027,255,000
992,438,000
970,546,000
924,552,000
847,030,000
854,896,000
806,688,000
817,793,000
812,109,000
797,598,000
833,893,000
871,269,000
886,525,000
877,829,000
881,453,000
881,453,000877,829,000886,525,000871,269,000833,893,000797,598,000812,109,000817,793,000806,688,000854,896,000847,030,000924,552,000970,546,000992,438,0001,027,255,000436,033,000353,346,000343,491,128309,682,729279,717,460251,685,280252,758,000237,059,447219,113,000299,098,000167,997,000158,106,000147,367,000148,047,000
   > Total Current Assets 
0
0
0
166,147,000
297,199,000
213,477,000
231,115,205
246,028,000
245,262,640
273,114,436
302,970,331
336,726,154
348,000,000
430,615,000
1,011,928,000
978,736,000
957,661,000
912,402,000
835,165,000
842,758,000
794,216,000
804,888,000
797,936,000
612,019,000
55,443,000
73,556,000
76,567,000
91,630,000
79,022,000
79,022,00091,630,00076,567,00073,556,00055,443,000612,019,000797,936,000804,888,000794,216,000842,758,000835,165,000912,402,000957,661,000978,736,0001,011,928,000430,615,000348,000,000336,726,154302,970,331273,114,436245,262,640246,028,000231,115,205213,477,000297,199,000166,147,000000
       Cash And Cash Equivalents 
7,766,000
9,124,000
10,286,000
6,026,000
1,276,000
6,433,000
2,910,525
7,740,000
2,638,720
2,539,023
1,155,927
1,897,194
5,572,000
5,954,000
40,573,000
39,483,000
62,130,000
81,554,000
50,922,000
51,665,000
59,114,000
48,158,000
59,276,000
55,310,000
55,443,000
73,556,000
76,567,000
91,630,000
79,022,000
79,022,00091,630,00076,567,00073,556,00055,443,00055,310,00059,276,00048,158,00059,114,00051,665,00050,922,00081,554,00062,130,00039,483,00040,573,0005,954,0005,572,0001,897,1941,155,9272,539,0232,638,7207,740,0002,910,5256,433,0001,276,0006,026,00010,286,0009,124,0007,766,000
       Short-term Investments 
0
0
0
0
0
1,709,000
0
0
0
0
0
0
2,974,000
10,580,000
1,742,000
2,102,000
19,164,000
6,745,000
1,448,000
8,325,000
321,000
8,690,000
17,221,000
41,706,000
55,584,000
0
-41,909,000
-35,778,000
0
0-35,778,000-41,909,000055,584,00041,706,00017,221,0008,690,000321,0008,325,0001,448,0006,745,00019,164,0002,102,0001,742,00010,580,0002,974,0000000001,709,00000000
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
680,000
621,000
434,000
2,320,000
732,000
682,000
675,000
714,000
602,000
749,000
320,000
959,000
510,000
854,000
0
0854,000510,000959,000320,000749,000602,000714,000675,000682,000732,0002,320,000434,000621,000680,00000000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8,925,000
980,000
941,000
914,000
797,334,000
555,960,000
568,744,000
96,430,000
100,146,000
152,963,000
204,501,000
204,501,000152,963,000100,146,00096,430,000568,744,000555,960,000797,334,000914,000941,000980,0008,925,000000000000000000000
   > Long-term Assets 
0
0
0
1,850,000
1,899,000
5,636,000
5,944,243
6,730,000
6,422,640
6,603,024
6,712,398
6,764,974
5,346,000
5,418,000
15,327,000
13,702,000
12,885,000
12,150,000
11,865,000
12,138,000
12,472,000
12,905,000
14,173,000
185,579,000
236,734,000
252,757,000
278,627,000
218,618,000
286,996,000
286,996,000218,618,000278,627,000252,757,000236,734,000185,579,00014,173,00012,905,00012,472,00012,138,00011,865,00012,150,00012,885,00013,702,00015,327,0005,418,0005,346,0006,764,9746,712,3986,603,0246,422,6406,730,0005,944,2435,636,0001,899,0001,850,000000
       Property Plant Equipment 
2,354,000
1,962,000
1,699,000
1,634,000
1,668,000
3,037,000
10,950,000
11,396,000
10,388,000
4,181,000
4,291,000
4,252,000
2,839,000
2,965,000
9,224,000
8,190,000
7,673,000
7,342,000
7,570,000
8,052,000
8,618,000
9,208,000
9,028,000
8,530,000
13,104,000
11,754,000
7,965,000
8,128,000
9,668,000
9,668,0008,128,0007,965,00011,754,00013,104,0008,530,0009,028,0009,208,0008,618,0008,052,0007,570,0007,342,0007,673,0008,190,0009,224,0002,965,0002,839,0004,252,0004,291,0004,181,00010,388,00011,396,00010,950,0003,037,0001,668,0001,634,0001,699,0001,962,0002,354,000
       Goodwill 
0
0
0
0
0
2,599,000
2,566,000
2,634,000
2,513,000
2,425,000
2,373,000
2,377,000
2,358,000
2,256,000
2,316,000
2,016,000
2,016,000
2,016,000
2,016,000
2,016,000
2,016,000
2,016,000
2,310,000
2,310,000
2,324,000
2,320,000
2,320,000
2,655,000
2,798,000
2,798,0002,655,0002,320,0002,320,0002,324,0002,310,0002,310,0002,016,0002,016,0002,016,0002,016,0002,016,0002,016,0002,016,0002,316,0002,256,0002,358,0002,377,0002,373,0002,425,0002,513,0002,634,0002,566,0002,599,00000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
150,441,000
160,831,000
154,632,000
214,213,000
202,928,000
171,392,000
194,023,000
206,067,000
264,146,000
203,049,000
269,022,000
269,022,000203,049,000264,146,000206,067,000194,023,000171,392,000202,928,000214,213,000154,632,000160,831,000150,441,000000000000000000000
       Intangible Assets 
0
0
0
0
231,000
2,599,000
2,571,916
2,634,000
2,509,920
2,423,803
2,422,275
2,514,280
149,000
197,000
3,787,000
3,496,000
3,196,000
2,792,000
2,279,000
2,070,000
1,838,000
1,681,000
2,835,000
3,347,000
3,808,000
4,140,000
4,196,000
4,786,000
5,508,000
5,508,0004,786,0004,196,0004,140,0003,808,0003,347,0002,835,0001,681,0001,838,0002,070,0002,279,0002,792,0003,196,0003,496,0003,787,000197,000149,0002,514,2802,422,2752,423,8032,509,9202,634,0002,571,9162,599,000231,0000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
228,167,000
251,899,000
238,923,000
216,408,000
245,869,000
260,665,000
0
0
0
000260,665,000245,869,000216,408,000238,923,000251,899,000228,167,00000000000000000000000
       Other Assets 
0
0
0
0
0
10,125,000
11,645,000
11,634,000
8,010,000
3,258,000
8,086,000
4,438,000
7,281,000
8,582,000
23,916,000
25,774,000
26,900,000
30,947,000
37,462,000
31,776,000
12,636,000
485,256,000
812,109,000
797,598,000
541,716,000
544,956,000
531,331,000
567,581,000
515,435,000
515,435,000567,581,000531,331,000544,956,000541,716,000797,598,000812,109,000485,256,00012,636,00031,776,00037,462,00030,947,00026,900,00025,774,00023,916,0008,582,0007,281,0004,438,0008,086,0003,258,0008,010,00011,634,00011,645,00010,125,00000000
> Total Liabilities 
143,203,000
142,259,000
151,812,000
160,480,000
290,372,000
208,537,000
225,276,261
244,055,000
241,347,680
269,148,972
299,055,637
331,988,018
340,921,000
426,334,000
983,148,000
947,872,000
923,952,000
879,868,000
807,694,000
804,993,000
759,708,000
769,328,000
762,966,000
747,399,000
114,819,000
101,658,000
84,660,000
830,308,000
93,668,000
93,668,000830,308,00084,660,000101,658,000114,819,000747,399,000762,966,000769,328,000759,708,000804,993,000807,694,000879,868,000923,952,000947,872,000983,148,000426,334,000340,921,000331,988,018299,055,637269,148,972241,347,680244,055,000225,276,261208,537,000290,372,000160,480,000151,812,000142,259,000143,203,000
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
555,735,000
576,218,000
535,055,000
557,885,000
535,195,000
533,259,000
559,545,000
92,616,000
81,284,000
76,234,000
39,134,000
39,134,00076,234,00081,284,00092,616,000559,545,000533,259,000535,195,000557,885,000535,055,000576,218,000555,735,000000000000000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
157,230,000
21,298,000
21,860,000
21,871,000
2,360,000
17,771,000
23,734,000
51,146,000
58,296,000
56,165,000
39,095,000
39,095,00056,165,00058,296,00051,146,00023,734,00017,771,0002,360,00021,871,00021,860,00021,298,000157,230,000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
157,230,000
21,298,000
21,860,000
21,871,000
2,360,000
17,771,000
23,734,000
0
0
0
0
000023,734,00017,771,0002,360,00021,871,00021,860,00021,298,000157,230,000000000000000000000
       Accounts payable 
0
0
0
0
0
420,000
1,076,000
3,135,000
2,656,000
4,535,000
0
0
0
0
0
0
0
0
448,597,000
456,879,000
428,190,000
422,103,000
422,115,000
425,450,000
421,874,000
1,497,000
857,000
1,497,000
0
01,497,000857,0001,497,000421,874,000425,450,000422,115,000422,103,000428,190,000456,879,000448,597,000000000004,535,0002,656,0003,135,0001,076,000420,00000000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
46,542,000
56,406,000
44,980,000
65,965,000
58,783,000
37,681,000
51,601,000
39,973,000
22,131,000
18,572,000
39,000
39,00018,572,00022,131,00039,973,00051,601,00037,681,00058,783,00065,965,00044,980,00056,406,00046,542,000000000000000000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
105,920,000
114,819,000
101,658,000
84,660,000
830,308,000
93,668,000
93,668,000830,308,00084,660,000101,658,000114,819,000105,920,00000000000000000000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
105,368,000
96,145,000
90,372,000
108,824,000
114,819,000
0
0
0
0
0000114,819,000108,824,00090,372,00096,145,000105,368,00000000000000000000000
       Other Liabilities 
0
0
0
0
0
11,305,000
9,694,000
9,625,000
8,183,000
6,581,000
17,967,000
20,213,000
75,530,000
87,381,000
218,561,000
231,385,000
243,997,000
256,708,000
226,567,000
237,480,000
139,929,000
131,025,000
132,259,000
124,004,000
135,014,000
138,551,000
145,897,000
128,488,000
0
0128,488,000145,897,000138,551,000135,014,000124,004,000132,259,000131,025,000139,929,000237,480,000226,567,000256,708,000243,997,000231,385,000218,561,00087,381,00075,530,00020,213,00017,967,0006,581,0008,183,0009,625,0009,694,00011,305,00000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
130,000
114,000
106,000
81,000
104,000
90,000
83,000
74,000
64,000
54,000
0
054,00064,00074,00083,00090,000104,00081,000106,000114,000130,000000000000000000000
> Total Stockholder Equity
0
0
0
0
0
9,737,000
10,760,000
7,972,000
9,624,000
9,977,000
10,195,000
11,155,000
12,141,000
9,393,000
43,278,000
43,725,000
45,920,000
43,999,000
38,989,000
48,690,000
46,589,000
48,375,000
48,906,000
49,925,000
47,603,000
49,184,000
52,917,000
47,277,000
47,164,000
47,164,00047,277,00052,917,00049,184,00047,603,00049,925,00048,906,00048,375,00046,589,00048,690,00038,989,00043,999,00045,920,00043,725,00043,278,0009,393,00012,141,00011,155,00010,195,0009,977,0009,624,0007,972,00010,760,0009,737,00000000
   Common Stock
0
0
0
0
0
1,396,000
1,411,000
1,416,000
1,418,000
1,419,000
1,420,000
1,429,000
1,432,000
1,513,000
6,386,000
6,815,000
6,881,000
7,042,000
7,145,000
7,146,000
7,146,000
7,146,000
7,197,000
7,116,000
7,005,000
7,084,000
7,102,000
6,729,000
6,358,000
6,358,0006,729,0007,102,0007,084,0007,005,0007,116,0007,197,0007,146,0007,146,0007,146,0007,145,0007,042,0006,881,0006,815,0006,386,0001,513,0001,432,0001,429,0001,420,0001,419,0001,418,0001,416,0001,411,0001,396,00000000
   Retained Earnings Total Equity00000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
3,918,000
4,180,000
0
0
-2,900,000
-3,263,000
-4,743,000
-5,116,000
-5,092,000
-3,725,000
-3,857,000
-4,089,000
-4,260,000
-5,513,000
-4,359,000
-4,447,000
-5,474,000
5,984,000
4,040,000
-547,000
0
0-547,0004,040,0005,984,000-5,474,000-4,447,000-4,359,000-5,513,000-4,260,000-4,089,000-3,857,000-3,725,000-5,092,000-5,116,000-4,743,000-3,263,000-2,900,000004,180,0003,918,00000000000
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
17,412,000
17,622,000
17,634,000
17,719,000
17,751,000
17,863,000
0
0
0
00017,863,00017,751,00017,719,00017,634,00017,622,00017,412,00000000000000000000000
   Treasury Stock00000000000000000-9,000-1,000-31,000-2,00000000000
   Other Stockholders Equity 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10,477,000
18,571,000
5,962,000
20,007,000
36,804,000
37,420,000
37,352,000
31,532,000
31,534,000
30,403,000
34,016,000
34,016,00030,403,00031,534,00031,532,00037,352,00037,420,00036,804,00020,007,0005,962,00018,571,00010,477,000000000000000000000



Balance Sheet

Currency in GBP. All numbers in thousands.




Cash Flow

Currency in GBP. All numbers in thousands.




Income Statement

Currency in GBP. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue19,215,000
Cost of Revenue-0
Gross Profit19,215,00019,215,000
 
Operating Income (+$)
Gross Profit19,215,000
Operating Expense-10,812,000
Operating Income7,445,0008,403,000
 
Operating Expense (+$)
Research Development0
Selling General Administrative0
Selling And Marketing Expenses0
Operating Expense10,812,0000
 
Net Interest Income (+$)
Interest Income28,051,000
Interest Expense-14,753,000
Other Finance Cost-0
Net Interest Income13,298,000
 
Pretax Income (+$)
Operating Income7,445,000
Net Interest Income13,298,000
Other Non-Operating Income Expenses0
Income Before Tax (EBT)7,503,0007,387,000
EBIT - interestExpense = -7,308,000
7,445,000
20,213,000
Interest Expense14,753,000
Earnings Before Interest and Taxes (EBIT)7,445,00022,256,000
Earnings Before Interest and Taxes (EBITDA)10,350,000
 
After tax Income (+$)
Income Before Tax7,503,000
Tax Provision-1,985,000
Net Income From Continuing Ops5,518,0005,518,000
Net Income5,460,000
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses10,812,000
Total Other Income/Expenses Net58,000-13,298,000
 

Technical Analysis of Lloyds Banking Group PLC
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Lloyds Banking Group PLC. The general trend of Lloyds Banking Group PLC is BULLISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Lloyds Banking Group PLC's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (100.0%) Bearish trend (-100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Lloyds Banking Group PLC.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: .

The bearish price targets are: 51.47 > 50.15 > 50.02.

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Lloyds Banking Group PLC Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Lloyds Banking Group PLC. The current mas is .

The long score for the Moving Averages is 14/14.
The longshort score for the Moving Averages is 14/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Lloyds Banking Group PLC Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Lloyds Banking Group PLC. The current macd is 1.70072467.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Lloyds Banking Group PLC price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Lloyds Banking Group PLC. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Lloyds Banking Group PLC price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Lloyds Banking Group PLC Daily Moving Average Convergence/Divergence (MACD) ChartLloyds Banking Group PLC Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Lloyds Banking Group PLC. The current adx is 58.15.

The long score for the Directional Movement Index (DMI) is 4/7.
The longshort score for the Directional Movement Index (DMI) is 4/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Lloyds Banking Group PLC shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bullish trend. The ADX is trending up, so the bullish trend is strengthening.
Lloyds Banking Group PLC Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Lloyds Banking Group PLC. The current sar is 49.74.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Lloyds Banking Group PLC Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Lloyds Banking Group PLC. The current rsi is 78.27. The current phase is Overbought in bull market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 0/(-13 +13).

  • Overbought in bull market: Short-term excessive buying, potential for pullback. Consider taking profits, be cautious of potential correction. -1
  • Trending up: The RSI is trending up. +1
Lloyds Banking Group PLC Daily Relative Strength Index (RSI) ChartLloyds Banking Group PLC Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Lloyds Banking Group PLC. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 4/6.
The longshort score for the Stochastic Oscillator is 4/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Lloyds Banking Group PLC price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Lloyds Banking Group PLC Daily Stochastic Oscillator ChartLloyds Banking Group PLC Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Lloyds Banking Group PLC. The current cci is 117.70.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
Lloyds Banking Group PLC Daily Commodity Channel Index (CCI) ChartLloyds Banking Group PLC Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Lloyds Banking Group PLC. The current cmo is 59.31.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Lloyds Banking Group PLC Daily Chande Momentum Oscillator (CMO) ChartLloyds Banking Group PLC Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Lloyds Banking Group PLC. The current willr is -20.63492063.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Lloyds Banking Group PLC is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Lloyds Banking Group PLC Daily Williams %R ChartLloyds Banking Group PLC Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Lloyds Banking Group PLC.

Lloyds Banking Group PLC Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Lloyds Banking Group PLC. The current atr is 0.92776823.

Lloyds Banking Group PLC Daily Average True Range (ATR) ChartLloyds Banking Group PLC Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Lloyds Banking Group PLC. The current obv is 2,207,572,931.

Lloyds Banking Group PLC Daily On-Balance Volume (OBV) ChartLloyds Banking Group PLC Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Lloyds Banking Group PLC. The current mfi is 63.53.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Lloyds Banking Group PLC Daily Money Flow Index (MFI) ChartLloyds Banking Group PLC Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Lloyds Banking Group PLC.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-08DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2023-11-09DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-10DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-13CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-14STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-15DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-11-16STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-17STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-20STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-22CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-23DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-24STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-27DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-28STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-29SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-01BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-05STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-08BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-12RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-12-13STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-14ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-15STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-18RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-12-19MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-20STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-21RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-22STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-28STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-29RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-01-02STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-03MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-08STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-10STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-11DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-15ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-16STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-17MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-18MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-19RSI LONG ENTRY SHORT CLOSE30 crossover to upside
2024-01-23WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-24STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-25CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-01-26RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-30SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-02-05SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-07WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-08CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-14MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-16DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-19CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-02-20WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-02-21STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-22STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-23STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-29STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-01STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-07STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-11STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-12STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-14MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-03-15STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-18STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-19SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-03-20SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-21CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-28STOCH SHORT EXITThe %K line crosses above the %D line.

6.3. Candlestick Patterns

Lloyds Banking Group PLC Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Lloyds Banking Group PLC based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5078.269
Ma 20Greater thanMa 5049.715
Ma 50Greater thanMa 10045.708
Ma 100Greater thanMa 20045.311
OpenGreater thanClose52.230
Total5/5 (100.0%)
Penke

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