LLOY - Ticker AI Digest

Lloyds Banking Group PLC 📰 1
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LLOY Data 2024-08-01 Preview Mode
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Today's Catalysts (LLOY) 1
LLOY 16:29
Lloyds Banking Group PLC
Transaction in Own Shares
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DirectorDealing 2
LLOY 12:01
Lloyds Banking Group PLC
Director/PDMR Shareholding
LLOY 11:01
Lloyds Banking Group PLC
Director/PDMR Shareholding
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Results 2
LLOY 06:01
Lloyds Banking Group PLC
2024 Half-Year Results - Part 2 of 2
LLOY 06:01
Lloyds Banking Group PLC
2024 Half-Year Results - Part 1 of 2
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
Lloyds Banking Group released its 2024 half-year results, reporting a robust financial performance with solid income, strong capital generation, and a 15% increase in interim dividend. The Groups statutory profit after tax was £2.4 billion, with net income down 9% and operating costs up 7%. The underlying profit was £3,497 million, a 13% decrease compared to the first half of 2023. The Groups CET1 capital ratio was 14.1%, and the total capital ratio was 18.7%. The Groups liquidity coverage ratio was 144%, and the net stable funding ratio was 130%.
YearNet IncomeOperating CostsRemediation CostsTotal CostsUnderlying Profit Before ImpairmentUnderlying Impairment ChargeUnderlying ProfitRestructuringVolatility and Other ItemsStatutory Profit Before TaxTax ExpenseStatutory Profit After TaxEarnings Per ShareDividends Per ShareBanking Net Interest MarginAverage Interest-Earning Banking AssetsCost:Income RatioAsset Quality RatioReturn on Tangible EquityLoans and Advances to CustomersCustomer DepositsLoan to Deposit RatioCET1 RatioPro Forma CET1 RatioUK Leverage RatioRisk-Weighted AssetsWholesale FundingLiquidity Coverage RatioNet Stable Funding RatioTangible Net Assets Per Share
2024 H1839347009547953598101349715158332488024443.4p1.06p2.94%449.2bn57.1%0.05%13.5%452.4bn474.7bn95%14.1%14.1%5.4%222.0bn97.6bn144%130%49.6p
2023 H19186441370448347036624041251463870100628643.9p0.92p3.18%453.8bn48.8%0.29%16.6%450.7bn469.8bn96%14.6%13.7%5.8%215.3bn98.7bn142%130%50.8p
2023 FY175329420135955579773547623372667354201553397.7p2.78p3.03%452.9bn54.9%0.15%15.3%449.7bn471.4bn95%14.6%13.7%5.8%219.1bn98.7bn142%130%50.8p
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All Market News (Last 30 Days) 22
LLOY 16:29
Lloyds Banking Group PLC
Transaction in Own Shares
LLOY 16:36
Lloyds Banking Group PLC
Transaction in Own Shares
LLOY 14:34
Lloyds Banking Group PLC
Total Voting Rights
LLOY 16:29
Lloyds Banking Group PLC
Transaction in Own Shares
LLOY 12:01
Lloyds Banking Group PLC
Director/PDMR Shareholding
LLOY 16:22
Lloyds Banking Group PLC
Transaction in Own Shares
LLOY 16:31
Lloyds Banking Group PLC
Transaction in Own Shares
LLOY 14:05
Lloyds Banking Group PLC
Publication of Suppl.Prospcts
LLOY 06:01
Lloyds Banking Group PLC
2024 Half-Year Results - Part 2 of 2
LLOY 06:01
Lloyds Banking Group PLC
2024 Half-Year Results - Part 1 of 2
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
Lloyds Banking Group released its 2024 half-year results, reporting a robust financial performance with solid income, strong capital generation, and a 15% increase in interim dividend. The Groups statutory profit after tax was £2.4 billion, with net income down 9% and operating costs up 7%. The underlying profit was £3,497 million, a 13% decrease compared to the first half of 2023. The Groups CET1 capital ratio was 14.1%, and the total capital ratio was 18.7%. The Groups liquidity coverage ratio was 144%, and the net stable funding ratio was 130%.
YearNet IncomeOperating CostsRemediation CostsTotal CostsUnderlying Profit Before ImpairmentUnderlying Impairment ChargeUnderlying ProfitRestructuringVolatility and Other ItemsStatutory Profit Before TaxTax ExpenseStatutory Profit After TaxEarnings Per ShareDividends Per ShareBanking Net Interest MarginAverage Interest-Earning Banking AssetsCost:Income RatioAsset Quality RatioReturn on Tangible EquityLoans and Advances to CustomersCustomer DepositsLoan to Deposit RatioCET1 RatioPro Forma CET1 RatioUK Leverage RatioRisk-Weighted AssetsWholesale FundingLiquidity Coverage RatioNet Stable Funding RatioTangible Net Assets Per Share
2024 H1839347009547953598101349715158332488024443.4p1.06p2.94%449.2bn57.1%0.05%13.5%452.4bn474.7bn95%14.1%14.1%5.4%222.0bn97.6bn144%130%49.6p
2023 H19186441370448347036624041251463870100628643.9p0.92p3.18%453.8bn48.8%0.29%16.6%450.7bn469.8bn96%14.6%13.7%5.8%215.3bn98.7bn142%130%50.8p
2023 FY175329420135955579773547623372667354201553397.7p2.78p3.03%452.9bn54.9%0.15%15.3%449.7bn471.4bn95%14.6%13.7%5.8%219.1bn98.7bn142%130%50.8p
LLOY 16:55
Lloyds Banking Group PLC
Transaction in Own Shares
LLOY 16:34
Lloyds Banking Group PLC
Transaction in Own Shares
LLOY 16:39
Lloyds Banking Group PLC
Transaction in Own Shares
LLOY 16:41
Lloyds Banking Group PLC
Transaction in Own Shares
LLOY 16:35
Lloyds Banking Group PLC
Transaction in Own Shares
LLOY 16:33
Lloyds Banking Group PLC
Transaction in Own Shares
LLOY 07:52
Lloyds Banking Group PLC
Redemption of Preference Shares
LLOY 17:06
Lloyds Banking Group PLC
Transaction in Own Shares
LLOY 11:01
Lloyds Banking Group PLC
Director/PDMR Shareholding
LLOY 16:05
Lloyds Banking Group PLC
Board Committee Change
LLOY 16:20
Lloyds Banking Group PLC
Transaction in Own Shares
LLOY 16:22
Lloyds Banking Group PLC
Transaction in Own Shares

Today's AI

Today's AI Starts With News

1 live catalyst is opening Today’s AI for LLOY.

Start with the live headline tape first. Today’s AI findings sit next, and the AI Blend stack drops lower once the news context is framed. Financial Forecastist now feeds the blend too.
Live Tape Data 2024-08-01 Blend Lower Down
Read the alert tape first, then open Today’s AI findings. Use AI Expand on any card to open the AI explanation, results tables and financial forecast rows instantly.
1 Today
Front Of Desk
Lloyds Banking Group PLC has fresh news flow live now, so Today’s AI is leading with the tape before the blended signal stack below.
16:29 Today's Catalyst Transaction in Own Shares
Single-Ticker Today's AI
LLOY signal theatre built from scored market catalysts, automated AI forecasts, financial forecasting and live trigger logic.

This is the ticker-specific Today’s AI desk for Lloyds Banking Group PLC. It compresses the live catalyst tape, bullish and bearish scoring, AI price forecasts, financial forecasting and trigger logic into one cockpit so users can judge conviction without hopping across screens.

Subscription Required Bullish vs Bearish Scoring AI + Financial Blend Buy / Sell Trigger Engine Today's AI Findings
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Fundamentals Matrix

Overall Fundamentals
Signal: Pending
Capital Strength
Signal: Pending
Float Liquidity
Signal: Pending
Short Pressure
Signal: Pending
Target Setup
Signal: Pending
Market Profile
Signal: Pending
Market Cap
59.2B
Enterprise Value
18.6B
Public Float
95.5
Broker Target
115.222
Shares Out
58.1B
Long Interest
98
Short Interest
2
Exchange
LSE
Currency Code
GBX
ISIN
GB0008706128
Market
LSE - MAIN MARKET
Sector
Banks
Float / Shares Ratio
-
Short vs Long Delta
-
EV / Market Cap
-

Financials Matrix

News And Alerts First

1 live alert now opens the financials desk for LLOY.

Start with the headline flow and alert tape first. Then drop straight into Financial Forecastist below for the revenue path, EPS shape, cash pressure and balance-sheet read while the catalyst context is still hot.
Live Alerts Data 2024-08-01 Forecastist Below
Read the alert tape first, then move into Financial Forecastist below. Use AI Expand on any catalyst card to open the AI explanation and results tables without losing the ticker context.
1 Alerts
Front Of Desk
Lloyds Banking Group PLC has fresh filing flow live now, so the tape is framing the revenue, leverage and valuation story below.
16:29 Today's Alert Transaction in Own Shares
Overall Stability
Signal: Pending
Profitability
Signal: Pending
Debt & Cash
Signal: Pending
Valuation Risk
Signal: Pending
Forward Expectation
Signal: Pending
Dividend Safety
Signal: Pending
Divi Rate
0.04
Ex Divi
2026-04-09
Earnings Date
2026-04-29
Net Debt
84.9B
Cash
56.7B
EPS
0.08
Net Income
4.2B
Revenue
41.0B
Enterprise Value
18.6B
Trailing PE
12.7375
Forward PE
10.5152
Price Sales TTM
3.0993
Price Book MRQ
1.2285
EV Revenue
7.7866
EV EBITDA
-
Financial Forecastist

Mixed financial engine

Revenue is accelerating +10.4% against the prior comparable period. Net margin is expanding by 5.4 pts. Net debt is building +168.6%.

Revenue +10.4% Net Income +35.0% FCF -153.6% Current Ratio 0.12x Forward Rev 5.6B
Mixed
Quarter Revenue
5.2B
+10.4%
vs prior comparable quarter
Net Margin
+29.5%
+5.4 pts
profitability pulse
Free Cash Flow
2.0B
-153.6%
cash conversion
Net Debt / EBITDA
19.1x
+168.6%
lower is cleaner
Revenue Engine

Latest quarter printed 5.2B with the top line pushing higher against the last comparable period.

Profit Stack

Net income landed at 1.5B and the margin profile is broadening. That usually tells us whether operating leverage is finally kicking in.

Balance-Sheet Pressure

Cash sits near 62.1B while net debt is 38.6B. The leverage stack is moving the wrong way.

Quarterly Revenue Runway

Actual revenue bars, consensus revenue where available, plus the terminal model path.

Profit And Cash Conversion

Net income and free cash flow moving together is usually what separates genuine improvement from noise.

Balance-Sheet Pressure

Cash, net debt and liquidity tell us whether the business is strengthening or just surviving.

Annual Power Curve

Longer-cycle revenue and net income help frame whether the company is compounding or rolling over.
Q3 2025
Consensus
5.0B
Revenue Path
0.02
EPS / Earnings
Growth cue +0.0%
Q1 2026
Consensus
5.2B
Revenue Path
0.02
EPS / Earnings
Growth cue +0.3%
Q2 2026
Consensus
5.4B
Revenue Path
0.03
EPS / Earnings
Growth cue +0.2%
Q3 2026
Consensus
5.6B
Revenue Path
0.03
EPS / Earnings
Growth cue +1.5%
FY 2026
Consensus
21.8B
Revenue Path
0.10
EPS / Earnings
Growth cue +0.4%
FY 2027
Consensus
23.4B
Revenue Path
0.12
EPS / Earnings
Growth cue +0.2%

Quarterly Statement Tape

Last 6 Quarters
Period Revenue Net Income FCF Net Debt
Q1 2026 5.2B 1.5B - 38.6B
Q4 2025 4.8B 1.4B - 84.9B
Q3 2025 -4.3B 738.0M - 34.7B
Q2 2025 13.9B 1.4B - 21.2B
Q1 2025 4.7B 1.1B - 14.4B
Q4 2024 24.1B 644.0M - 25.8B

Annual Financial Power

Last 5 Years
Period Revenue Net Income EBITDA FCF
FY 2025 41.0B 4.2B 6.7B -639.0M
FY 2024 37.6B 4.4B 9.4B -10.0B
FY 2023 34.0B 5.5B 10.4B 1.4B
FY 2022 20.8B 3.8B 7.2B 18.2B
FY 2021 18.7B 5.8B 9.7B 3.4B

Structure DNA

Market Structure DNA

Yield Compounder profile with trend runway open

Price is 85.0% through the 52-week range, +6.4% vs 50DMA and +14.8% vs 200DMA. 51.5% of the register is locked by institutions and insiders, leaving 48.5% free float. Capital rhythm reads semi-annual with forward yield near 3.5% and payout around 52.9%.

Trend runway open Institutional gravity Reliable income rhythm As Of 2026-04-19
Yield Compounder
Structure Score
77.1 / 100
Yield Compounder
Trend Stack
+6.4% / +14.8%
vs 50DMA / 200DMA
52W Position
85.0%
auction position inside the yearly range
Ownership Lock
51.5%
51.4% institutions | 8.1% insiders
Pressure Pocket
48.5% free float
Vendor short-float fields were not supplied
Capital Rhythm
Semi-Annual
Yield 3.5% | payout 52.9%
Trend Runway

Implied spot is 105.12 with the stock +6.4% vs 50DMA and +14.8% vs 200DMA. The tape is sitting 85.0% through the 52-week range, which frames the regime as trend runway open.

Ownership Register

Institutions hold about 51.4% and insiders about 8.1%, locking roughly 51.5% of the register and leaving 48.5% in free float. That reads as institutional gravity.

Pressure Pocket

The API did not return a usable short-float field for this ticker, so the pressure score leans more on float lock and crowding than a full short ledger.

Capital Rhythm

Dividend cadence reads semi-annual with 2 event(s) in the last full year, a five-year average of 2.0, and stability score 100.0/100. Forward yield sits near 3.5% while payout is around 52.9%.

Structure Score

One-glance gauge for the current market-structure regime.

Pillar Radar

Trend, ownership, pressure, and capital rhythm mapped on one wheel.

Position And Float Balance

Shows whether the stock is extended, tightly held, or carrying capital-return support.

Dividend Cadence Tape

Historical dividend-event counts help reveal how dependable the income rhythm has been.

Dividend Cadence Ledger

Semi-Annual
Year Dividend Count Context
2026 1 Current partial year
2025 2 Full year
2024 2 Full year
2023 2 Full year
2022 2 Full year
2021 2 Full year
2020 1 Full year
2019 2 Full year

Structure Facts

Live Snapshot
Implied Spot
105.12
derived from market cap / shares
52W High
111.87
upper auction edge
52W Low
66.99
lower auction edge
Beta
0.94
volatility character
Shares Out
58.5B
fully diluted count
Shares Float
55.4B
tradable register
Shares Short
0
borrowed stock
Short Ratio
0.0x
days-to-cover style read
Ex-Dividend
2026-04-09
-10 day(s) to ex-date
Dividend Pay
-
payment date not supplied
Last Split
41:40
2009-05-11

Capital Radar

Capital Regime
—
Building signal blend...
Smart Money Tilt
—
Public vs institutions
Target Conviction
—
Broker coverage pulse
Insider Pressure
—
Director + TR1 flow
Last Held Position
58124102688
Public Hands
95.48
Institutions
-
Institutions As Of
-
Avg Broker Target
-
Upside Vs Price
-
Purchase Director Dealing
0
Sale Director Dealing
9
Purchase TR1
0
Sale TR1
0
Broker Coverage Rows
14
Institution Holders Tracked
0
Public Vs Institutional Ownership (3D)
Top Institution Holders (Latest Per Holder)
Director Dealing Sentiment Flow
Broker Target Bias
Signal: Pending
Capital Momentum Matrix
Broker Targets Vs Price
Aggregated Institution Weight By Holder

Short Data - Last 30 Days

Nexus Pulse Engine

Overall Buy/Sell/Hold
Signal: Pending
Technical Composite
Signal: Pending
Financial Composite
Signal: Pending
Fundamental Composite
Signal: Pending
Short Pressure
Signal: Pending
Momentum Bias
Signal: Pending

Volatility Lab

ATR(14)
Realized Vol (20d)
Volume Spike Z

AI Charts

News And Alerts First

The alert tape opens the door for LLOY, and AI Charts sits just below.

Start with the headline flow and live catalyst tape first. Then move straight into AI Charts below for price reaction, AI targets, chart structure and catalyst beacons while the news context is still hot.
Live Tape Data 2024-08-01 AI Charts Below
Read the alert tape first, then move into AI Charts below. Use AI Expand on any catalyst card to open the AI explanation and results tables instantly.
1 Today
Catalyst Pulse
Lloyds Banking Group PLC has fresh news flow live now, so the tape is framing the chart workspace below.
16:29 Today's Catalyst Transaction in Own Shares
AI Charts Studio
LLOY Price History
Live structure, automated forecasts, technical overlays and catalyst beacons in one chart workspace.
30 Day View Window 30D Data 2024-08-01 Open Preview Studio Brief
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Automated signalling scans momentum shifts, crossovers and volatility breaks in real time. Automated AI forecasts map best, average and worst simulation paths forward, predictive MACD extends the momentum story, and catalyst beacons pin market-moving headlines directly onto price action so users can connect news, signals and structure without leaving the chart.

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Indicators0
Technicals0
AI Forecast 83.62%
RSI Gauge
Price Change
AI Forecast