Group 1 - The US equity market has experienced a generational run compared to global equities, indicating strong performance in the domestic market [1] - PropNotes focuses on identifying high-yield investment opportunities for individual investors, simplifying complex concepts and providing actionable insights [1] - The analysis produced by PropNotes aims to assist investors in making informed decisions backed by expert research [1]

Investors interested in Banks - Foreign stocks are likely familiar with Lloyds (LYG) and ICICI Bank Limited (IBN) . But which of these two stocks is more attractive to value investors? We'll need to take a closer look to find out.The best way to find great value stocks is to pair a strong Zacks Rank with an impressive grade in the Value category of our Style Scores system. The proven Zacks Rank emphasizes companies with positive estimate revision trends, and our Style Scores highlight stocks with specific t ...

Group 1 - Lloyds Banking Group has performed well year-to-date, despite tariff turmoil affecting the broader European financial sector [1] - The shares have returned significantly, indicating strong performance in the market [1] - The investment strategy focuses on a long-term, buy-and-hold approach, particularly in high-quality earnings stocks, often found in the dividend and income section [1] Group 2 - The article expresses a beneficial long position in Lloyds Banking Group shares, indicating confidence in the stock's future performance [2] - The author emphasizes that the opinions presented are personal and not influenced by external compensation [2]

SECURITIES AND EXCHANGE COMMISSION Washington, D.C.20549 FORM 6-K Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 01 May 2025 LLOYDS BANKING GROUP plc (Translation of registrant's name into English) 5th Floor 25 Gresham Street London EC2V 7HN United Kingdom (Address of principal executive offices) Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F. Form 20-F..X.. Form 40-F Index to Exhib ...

Momentum investing revolves around the idea of following a stock's recent trend in either direction. In the 'long' context, investors will be essentially be "buying high, but hoping to sell even higher." With this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving that way. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades.Even though momentum is a popular stock char ...

Investors interested in stocks from the Banks - Foreign sector have probably already heard of Lloyds (LYG) and Canadian Imperial Bank (CM) . But which of these two stocks presents investors with the better value opportunity right now? Let's take a closer look.The best way to find great value stocks is to pair a strong Zacks Rank with an impressive grade in the Value category of our Style Scores system. The Zacks Rank favors stocks with strong earnings estimate revision trends, and our Style Scores highlight ...

Core Viewpoint - The article compares Lloyds (LYG) and Canadian Imperial Bank (CM) to determine which stock is more attractive to value investors, highlighting the importance of valuation metrics and analyst outlooks in making investment decisions [1][3]. Valuation Metrics - Lloyds has a forward P/E ratio of 10.01, while Canadian Imperial Bank has a forward P/E of 10.53, indicating that Lloyds may be undervalued compared to its peer [5]. - The PEG ratio for Lloyds is 0.91, suggesting a favorable growth outlook relative to its earnings, whereas Canadian Imperial Bank has a PEG ratio of 1.30, indicating a less attractive growth valuation [5]. - Lloyds also has a P/B ratio of 0.95, compared to Canadian Imperial Bank's P/B of 1.40, further supporting the notion that Lloyds is undervalued [6]. Analyst Outlook - Lloyds currently holds a Zacks Rank of 2 (Buy), indicating a positive earnings estimate revision trend, while Canadian Imperial Bank has a Zacks Rank of 3 (Hold), suggesting a less favorable outlook [3]. - Based on the combination of valuation metrics and analyst ratings, Lloyds is positioned as the superior value option compared to Canadian Imperial Bank [6].

Core Viewpoint - Lloyds (LYG) has received a Zacks Rank 2 (Buy) upgrade, indicating a positive outlook on its earnings estimates, which is a significant factor influencing stock prices [1][3]. Earnings Estimates and Stock Price Movement - The Zacks rating system is based on changes in earnings estimates, which are strongly correlated with near-term stock price movements [4][6]. - An increase in earnings estimates typically leads to higher fair value calculations by institutional investors, resulting in buying or selling actions that affect stock prices [4]. Recent Performance of Lloyds - Lloyds is projected to earn $0.31 per share for the fiscal year ending December 2025, reflecting a year-over-year decline of 22.5% [8]. - Over the past three months, the Zacks Consensus Estimate for Lloyds has increased by 37.8%, indicating a positive trend in earnings estimates [8]. Zacks Rating System - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with Zacks Rank 1 (Strong Buy) stocks historically generating an average annual return of +25% since 1988 [7]. - The upgrade of Lloyds to a Zacks Rank 2 places it in the top 20% of Zacks-covered stocks, suggesting potential for market-beating returns in the near term [10].

Group 1 - The headline fourth quarter results for Lloyds Banking Group appear messy, with the company missing consensus on the bottom line due to provisions for potential motor commission claims [1] - The underlying performance suggests a long-term, buy-and-hold investment approach may be suitable, particularly for stocks that can sustainably generate high-quality earnings [1] Group 2 - The article emphasizes a focus on dividend and income stocks, indicating a preference for UK names alongside US/Canadian stocks [1]

Financial Performance - £0.8 billion additional revenues generated from strategic initiatives in 2024, surpassing the initial target of approximately £0.7 billion[40] - 12.3% Return on Tangible Equity (RoTE) achieved in 2024, with a target of over 15% RoTE by 2026[8] - Statutory profit after tax for 2024 was £4.5 billion, with underlying profit at £6.3 billion, reflecting a net income of £17.1 billion and a return on tangible equity of 12.3%[61][72] - Underlying net interest income of approximately £13.5 billion and operating costs of around £9.7 billion[89] - The Group's net revenue growth from 2021 to 2024 was approximately £2 billion, with £0.8 billion additional revenues from strategic initiatives[156] Shareholder Returns - £1.7 billion share buyback announced alongside a 15% increase in total ordinary dividend to 3.17 pence, totaling £3.6 billion in distributions for 2024[38] - A final ordinary dividend of 2.11 pence per share was recommended, resulting in a total dividend for the year of 3.17 pence, up 15% from the prior year[59] - Total ordinary dividend per share for 2024 increased by 15% to 3.17p, with £3.6 billion returned to shareholders[117] Customer Engagement - 28 million customers served, with around 23 million digitally active users, exceeding the 2024 ambition[25] - The mobile app has over 20 million users and 6 billion annual logins, with a 50% increase since 2021, enhancing customer engagement[76] - Digital user base reached 22.7 million, reflecting a growth in digitally active users[123] - The number of digitally active customers grew to 22.7 million, an increase from 18.3 million in 2021[170] Operational Efficiency - 17.5% reduction in legacy technology applications and over 30% reduction in data centers, enhancing operational efficiency[28] - Cost:income ratio targeted to be less than 50% by 2026[8] - The Group plans to achieve a cost:income ratio of less than 50% by 2026 through technology modernization and operational efficiencies[82] - The company achieved a 50% digitization rate for key servicing interactions in the small business deposit market, targeting to maintain this share by 2026[183] Capital Management - 148 basis points capital generation achieved in 2024, with a goal of over 200 basis points by 2026[8] - The Group's capital generation was 148 basis points, with a pro forma CET1 ratio of 13.5% after £3.6 billion of shareholder distributions[63][72] - Capital generation of greater than 200 basis points, with a CET1 ratio target of approximately 13.0%[89] - The Group announced a share buyback program of up to £1.7 billion, aiming to maintain a CET1 ratio of 13.5% by the end of 2024[59][63] Sustainable Financing - More than £20 billion provided for sustainable financing since 2022, surpassing the target of £18 billion[43] - The Group's sustainability goals include £11.4 billion of EPC A and B mortgage lending and £10.7 billion of sustainable financing in 2024[67][68] - The Group achieved £11.4 billion in EPC A and B mortgage lending by 2024, exceeding the £10 billion target[165] - £10 billion of sustainable finance provided for Commercial Banking customers in 2024[110] - The Group aims for over £21 billion in new sustainable financing targets by 2027 for EPC A and B rated mortgage lending and electric vehicle financing[147] - The Group has supported £47.3 billion of sustainable lending since 2022, with £17.5 billion in 2024 alone[147] - £9.4 billion was provided for financing battery electric and plug-in hybrid vehicles since 2021[170] Workforce and Diversity - 4,000 new hires into technology and data roles to drive growth and efficiency[32] - 40.4% of senior roles held by women and 12.6% held by Black, Asian, or Minority Ethnic colleagues in 2024[110] - The Mass Affluent customer base grew to over 3 million, with a 15% increase in banking balances since 2021[173] Market Position - Mortgage market share for total gross lending stood at 19.9%[125] - The market share in all issuer sterling debt capital markets increased from 6% to 10% since 2021[187] - The company improved its sterling interest-rate swap ranking from 7th in 2021 to 2nd in 2024[187] Cost Management - £1.2 billion of gross cost savings were achieved, alongside addressing a £7 billion pension deficit[157] - The company has achieved £1.2 billion in gross cost savings since 2021, with a 30% reduction in office footprint by 2024[194] Future Outlook - The Group aims to deliver over £1.5 billion in additional strategic initiative income by 2026, with a focus on high-value areas and digital solutions[77][83] - House prices expected to rise by around 2% in 2025, with consumer credit balances up 4.9%[120] - The company plans to implement Basel 3.1 regulations by January 2027, with an expected moderately positive initial impact[147] - The company announced a £500 million funding arrangement to support the retrofit of social housing in the UK[188] - The company has provided over £2 billion in lending to the social housing sector in 2024[189]