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Lloyds TSB Group (LLOY)

Sector:

Banks

Index:

FTSE 100

Market Cap

£7,830m

Change Today

Price Up2.70p (2.10%)

Share Price

131.10p

LLOY Overview

At one time in the nineties Lloyds was among the biggest banks in Europe having embarked on a multitude of deals, the largest being the merger of Lloyds and TSB in 1995. Having also taken over Cheltenham & Gloucester and life insurer Scottish Widows, Lloyds TSB changed its tack by disposing much of its overseas operations to concentrate on its core markets. The group was thwarted in its ambitions though when regulatory authorities stopped a potential merger with Abbey National.

1 Day Chart

1 Day Chart

6 Month Chart

6 Month Chart

Income & Efficiency

Latest F'cast
Div Yield 28.0% 10.1%
Div Cover 1.6 2.5
Op Mrgn 21.9% 28.7%
ROCE 45.2%  

Valuation

Latest F'cast
P/E 2.2 3.2
PEG 0.1 n/a
Pr/Revenue 0.4 0.7
Pr/Book 0.6  

Growth

Latest F'cast
Revenue -7.3% -37.7%
PBT -5.8% -18.5%
EPS 16.8% -30.5%
DPS 5.0% -54.3%

LLOY Fundamentals

Year Ending Revenue (£m) Pre-tax (£m) EPS P/E PEG EPS Grth. Div Yield
31-Dec-03 a9,908.00 a4,348.00 58.30p 7.7 0.1 +82% 34.20p 7.6%
31-Dec-04 19,283.00 3,477.00 42.80p 11.1 n/a -27% 34.20p 7.2%
31-Dec-05 22,726.00 3,820.00 44.60p 11.0 2.7 +4% 34.20p 7.0%
31-Dec-06 19,673.00 4,248.00 49.90p 11.5 1.0 +12% 34.20p 6.0%
31-Dec-07 18,228.00 4,000.00 58.30p 8.1 0.5 +17% 35.90p 7.6%

a. Based on UK GAAP presentation of accounts - includes discontinued activities

LLOY Forecasts

Year Ending Revenue (£m) Pre-tax (£m) EPS P/E PEG EPS Grth. Div Yield
31-Dec-08 11,347.64 3,259.18 40.50p 3.2 n/a -30% 16.40p 10.1%
31-Dec-09 12,407.22 3,679.31 30.26p 4.2 n/a -25% 12.30p 6.7%
31-Dec-10 12,877.80 3,581.38 26.57p 4.8 n/a -12% 3.65p 3.7%

Covering analysts: BBVA, Bernstein Research, Collins Stewart, Credit Suisse, Deutsche Bank Research, ESN-NCB Stockbrokers, Evolution Securities, Exane BNP Paribas, Fox Pitt Kelton Cochran C. W., Goldman Sachs, IIR Group, ING Wholesale Banking, JP Morgan, Keefe Bruyette & Woods, Macquarie Research Equities, Nomura Equity Research, Panmure Gordon, Religare Hichens Harrison, Shore Capital Stockbrokers, Société Générale, Standard & Poors, WestLB Equity Markets

LLOY Company Announcements

Rule 8.3- Lloyds TSB Group PLc 08-Jan-2009 15:30 RNS
Rule 8.3- Lloyds TSB Group plc 08-Jan-2009 14:49 RNS
Rule 8.3- Lloyds TSB Group PLC 08-Jan-2009 13:24 RNS

LLOY ShareCast News

Mixed response from mortgage lenders to rate cut 08-Jan-2009 ShareCast
Water Hall drops £700,000 on Lloyds TSB punt 08-Jan-2009 ShareCast
FTSE 100 movers: Bullish Autonomy in demand 08-Jan-2009 ShareCast

LLOY Top Newspaper Links

HBOS pension trustees call off legal challenge t... 09-Jan-2009 The Herald
Lloyds TSB-HBOS unveil mid-tier management team 07-Jan-2009 The Herald
Retirement funds at risk in HBOS deal, says trus... 06-Jan-2009 Times

Latest LLOY Director Deals

Traded Action Notifier PriceAmountValue
22-Dec-08 Transfer From Helen A Weir 0.000p 23 £0.00
22-Dec-08 Buy Helen A Weir 125.50p 99 £124.24
22-Dec-08 Transfer From Tim Tookey 0.000p 23 £0.00

Note 1: Prices and trades are provided by Digital Look Corporate Solutions and are delayed by at least 15 minutes.

Note 2: RiskGrade figures are provided by RiskMetrics.

Note 3: Above ratios are on a 'per annum' basis, adjusted for corporate actions and based on the fundamentals of the primary listed security.

Note 4: Under IFRS, all figures are based on 'Continuing' operations unless otherwise stated.

Note 5: In the case of dual listed securities, broker recommendations and forecasts relate to the primary listing.

Note 6: Forecast figures based on normalised accounts.

 

LLOY Market Data

Currency UK Pounds
Share Price 131.10p Price Up
Change Today +2.70p
52 Week High 483.25
52 Week Low 118.50
Volume 265,256
Shares Issued 5,973m
Market Cap £7,830m
Beta 1.31
RiskGrade 481
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Terms & Conditions

LLOY Star Ratings

Compare performance with the sector and the market.
more star ratings
Key: vs Market vs Sector
Value
92.81% above the market average92.81% above the market average92.81% above the market average92.81% above the market average92.81% above the market average
Sector averageSector averageSector averageSector averageSector average
Price Trend
60.01% below the market average60.01% below the market average60.01% below the market average60.01% below the market average60.01% below the market average
20% below the sector average20% below the sector average20% below the sector average20% below the sector average20% below the sector average
Income
89.05% above the market average89.05% above the market average89.05% above the market average89.05% above the market average89.05% above the market average
20% below the sector average20% below the sector average20% below the sector average20% below the sector average20% below the sector average
Growth
81.24% below the market average81.24% below the market average81.24% below the market average81.24% below the market average81.24% below the market average
100% below the sector average100% below the sector average100% below the sector average100% below the sector average100% below the sector average

What The Brokers Say

Strong Buy 1
Buy 1
Neutral 13
Sell 4
Strong Sell 5
Total 24
neutral
Broker recommendations should not be taken as investment advice, and are provided by the authorised brokers listed on this page.

LLOY Dividends

  Latest Previous
  Interim Final
Ex-Div 06-Aug-08 05-Mar-08
Paid 01-Oct-08 07-May-08
Amount 11.40p 24.70p

Trades for 09-Jan-2009

Time Volume / Share Price
08:01 10,713 @ 131.10p
08:01 8,257 @ 131.20p
08:01 6,000 @ 131.00p
08:01 14,880 @ 131.00p
08:01 9,377 @ 131.00p

LLOY Key Personnel

CEO J Eric Daniels
Chair Victor Blank
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We’ve published a new guide for investors detailing what you need to know about financial spread betting.

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Terms & Conditions

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Registered in England and Wales (registered no. 3678570).