How to buy Lloyds Banking Group shares | 34.9p

Own Lloyds Banking Group shares in just a few minutes. Share price changes are updated daily.

Fact checked

Lloyds Banking Group plc (LLOY) is a leading banks-regional business based in the UK. It opened the day at 35.9p after a previous close of 36.22p. During the day the price has varied from a low of 34.9p to a high of 36.0293p. The latest price was 34.9p (25 minute delay). Lloyds Banking Group is listed on the London Stock Exchange (LSE) and employs 63,069 staff. All prices are listed in pence sterling.

How to buy shares in Lloyds Banking Group

  1. Choose a platform. If you're a beginner, our share-dealing table below can help you choose.
  2. Open your account. You'll need your ID, bank details and national insurance number.
  3. Confirm your payment details. You'll need to fund your account with a bank transfer, debit card or credit card.
  4. Search the platform for stock code: LLOY in this case.
  5. Research Lloyds Banking Group shares. The platform should provide the latest information available.
  6. Buy your Lloyds Banking Group shares. It's that simple.
The whole process can take as little as 15 minutes.

How has Coronavirus impacted Lloyds Banking Group's share price?

Since the stock market crash in March caused by coronavirus, Lloyds Banking Group's share price has had significant negative movement.

Its last market close was 27.01p, which is 51.20% down on its pre-crash value of 55.35p and 10.39% down on the lowest point reached during the March crash when the shares fell as low as 29.817p.

If you had bought £1,000 worth of Lloyds Banking Group shares at the start of February 2020, those shares would have been worth £540.58 at the bottom of the March crash, and if you held on to them, then as of the last market close they'd be worth £477.63.

Lloyds Banking Group share price

Use our graph to track the performance of LLOY stocks over time.

Lloyds Banking Group shares at a glance

Information last updated 2020-12-18.
Open35.9p
High36.0293p
Low34.9p
Close34.9p
Previous close36.22p
Change -1.32p
Change % -3.644%
Volume 314,283,404
Information last updated 2020-12-27.
52-week range23.585p - 63.84p
50-day moving average 36.13p
200-day moving average 30.4088p
Wall St. target price75.37p
PE ratio 38.605
Dividend yield 0.03p (3.52%)
Earnings per share (TTM) 1p
Promoted
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Share dealing platform comparison

Table: sorted by promoted deals first
Data indicated here is updated regularly
Name Product Price per trade Frequent trader rate Platform fees Brand description
Fineco
£2.95
£2.95
Zero platform fee
Your first 100 trades are free with Fineco, T&Cs apply.
Fineco Bank is good for share traders and investors looking for a complete platform and wide offer. Capital at risk.
eToro Free Stocks
0% commission, no markup, no ticket fee, no management fee
N/A
Withdrawal fee & GDP to USD deposit conversion
Capital at risk. 0% commission but other fees may apply.
IG
0% commission on US shares, and £3 on UK shares
From £5
£0 - £24 per quarter
IG is good for experienced traders, and offers learning resources for beginners, all with wide access to shares, ETFs and funds. Capital at risk.
Hargreaves Lansdown Fund and Share Account
£11.95
£5.95
No fees
Hargreaves Lansdown is the UK's number one platform for private investors, with the depth of features you'd expect from an established platform. Capital at risk.
Degiro Share Dealing
£1.75 + 0.022% (max £5.00)
£1.75 + 0.022% (max £5.00)
Portfolio transfer fees (in & out)
Degiro is widely seen as one of the best low-cost share brokers, for people who are looking to trade regularly. Capital at risk.
Interactive Investor
From £7.99 on the Investor Service Plan
From £7.99 on the Investor Service Plan
No transfer fees or exit fees. £9.99 a month on the Investor Service Plan
Open an ISA, Trading Account or SIPP you will get £100 of free trades to buy or sell any investment (new customers only).
Interactive Investor offers everything most investors need. Its flat fees makes it pricey for small portfolios, but cheap for big ones. Capital at risk.
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Data indicated here is updated regularly
Name Product Minimum deposit Maximum annual fee Price per trade Brand description
Interactive Investor stocks and shares ISA
Any lump sum or £25 a month
£119.88
£7.99
Interactive Investor offers everything most investors need. Its flat fees makes it pricey for small portfolios, but cheap for big ones. Capital at risk.
Moneyfarm stocks and shares ISA
£1500
0.75%
£0
Moneyfarm helps you meet your investment goals with fully-managed portfolios designed around you. Capital at risk.
Hargreaves Lansdown stocks and shares ISA
£100
0.45%
£11.95
Hargreaves Lansdown is the UK's biggest wealth manager. It's got everything you'll need, from beginners to experienced investors. Capital at risk.
Nutmeg stocks and shares ISA
£100
0.75%
£0
Nutmeg offers three types of portfolios. Choose the one that goes with your investment style. Capital at risk.
Saxo Markets stocks and shares ISA
No minimum deposit requirement
0.12%
£8.00
Saxo Markets offers a wide access to a range of stocks, ETFs and funds. Capital at risk.
AJ Bell stocks and shares ISA
£500
0.25%
£9.95
AJ Bell is a good all-rounder for people who to choose between shares, funds, ISAs and pensions. Capital at risk.
Fidelity stocks and shares ISA
£1000 or a regular savings plan from £50
0.35%
£10.00
Fidelity is another good all-rounder, offering a good package at a decent price. Not suited for trading shares. Capital at risk.
Legal & General stocks and shares ISA
Legal & General stocks and shares ISA
£100 or £20 a month
0.61%
N/A
Legal & General is a big financial services company which offers insurance, lifetime mortgage, pensions and stocks and shares ISAs. Capital at risk.
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Data indicated here is updated regularly
Name Product Minimum investment Choose from Annual fee Brand description
Interactive Investor Pension
Any lump sum or £25 a month
Over 3,000 funds
£10/month
interactive investor is a flat-fee platform, which makes it cost effective for larger portfolios. Capital at risk.
Moneyfarm Pension
£1,500 (initial investment)
7 funds
0.35%-0.75%
Moneyfarm has pensions that are matched against your risk appetite, goals and planned retirement date. Capital at risk.
AJ Bell Pension
£1,000
Over 2,000 funds
0.05-0.25%
AJ Bell has two different pension options, a self managed pension and one that is managed for you. Capital at risk.
PensionBee Pension
No minimum
7 funds
0.5% - 0.95%
Pension Bee is a newbie in the pension market. It helps consolidate your pension plans into one place. Capital at risk.
Hargreaves Lansdown Pension
£100 or £25 a month
2,500 funds
0-0.45%
Hargreaves Lansdown is the UK's biggest wealth manager. It's got three different retirement options. Capital at risk.
Saxo Markets Pension
Saxo Markets Pension
£10
Over 11,000 funds
No annual fee
Saxo Markets gives flexibility and control over your investment strategy. Capital at risk.
Penfold
Penfold
No minimum
4 portfolios
0.75-0.88%
Moneybox Pension
£1
3 funds
0.15% - 0.45% charged monthly
Manage your money with an easy-to-use Moneybox app. Capital at risk.
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All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.

Is it a good time to buy Lloyds Banking Group stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Lloyds Banking Group price performance over time

Historical closes compared with the last close of 34.9p

1 week (2021-01-13) -3.71%
1 month (2020-12-23) -5.99%
3 months (2020-10-23) 19.17%
6 months (2020-07-23) 15.70%
1 year (2020-01-20) -39.72%
3 years (2018-01-19) -51.18%
5 years (2016-01-20) -45.51%

Is Lloyds Banking Group under- or over-valued?

Valuing Lloyds Banking Group stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Lloyds Banking Group's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Lloyds Banking Group's P/E ratio

Lloyds Banking Group's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 39x. In other words, Lloyds Banking Group shares trade at around 39x recent earnings.

That's relatively high compared to, say, the trailing 12-month P/E ratio for the FTSE 250 at the end of September 2019 (19.71). The high P/E ratio could mean that investors are optimistic about the outlook for the shares or simply that they're over-valued.

However, Lloyds Banking Group's P/E ratio is best considered in relation to those of others within the banks-regional industry or those of similar companies.

Lloyds Banking Group's PEG ratio

Lloyds Banking Group's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 0.6775. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Lloyds Banking Group's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

However, it's sensible to consider Lloyds Banking Group's PEG ratio in relation to those of similar companies.

Lloyds Banking Group financials

Revenue TTM £12.2 billion
Operating margin TTM 0.59%
Gross profit TTM £17 billion
Return on assets TTM 0.2%
Return on equity TTM 3.54%
Profit margin 13.44%
Book value 0.573p
Market capitalisation £27.3 billion

TTM: trailing 12 months

Lloyds Banking Group's environmental, social and governance track record

Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like Lloyds Banking Group.

When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.

Lloyds Banking Group's total ESG risk score

Total ESG risk: 29.76

Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Lloyds Banking Group's overall score of 29.76 (as at 01/01/2019) is nothing to write home about – landing it in it in the 44th percentile of companies rated in the same sector.

ESG scores are increasingly used to estimate the level of risk a company like Lloyds Banking Group is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).

To gain some more context, you can compare Lloyds Banking Group's total ESG risk score against those of similar companies.

Lloyds Banking Group's environmental score

Environmental score: 8.82/100

Lloyds Banking Group's environmental score of 8.82 puts it squarely in the 8th percentile of companies rated in the same sector. This could suggest that Lloyds Banking Group is a leader in its sector terms of its environmental impact, and exposed to a lower level of risk.

Lloyds Banking Group's social score

Social score: 15.38/100

Lloyds Banking Group's social score of 15.38 puts it squarely in the 8th percentile of companies rated in the same sector. This could suggest that Lloyds Banking Group is a leader in its sector when it comes to taking good care of its workforce and the communities it impacts.

Lloyds Banking Group's governance score

Governance score: 16.56/100

Lloyds Banking Group's governance score puts it squarely in the 8th percentile of companies rated in the same sector. That could suggest that Lloyds Banking Group is a leader in its sector when it comes to responsible management and strategy, and exposed to a lower level of risk.

Lloyds Banking Group's controversy score

Controversy score: 3/5

ESG scores also evaluate any incidences of controversy that a company has been involved in. A high-profile company, Lloyds Banking Group scored a 3 out of 5 for controversy – a middle-of-the-table result reflecting that Lloyds Banking Group hasn't always managed to keep its nose clean.

Wondering how that compares? Below are the controversy scores of similar companies.

Environmental, social, and governance (ESG) summary

Lloyds Banking Group plc was last rated for ESG on: 2019-01-01.

Total ESG score 29.76
Total ESG percentile 44.04
Environmental score 8.82
Environmental score percentile 8
Social score 15.38
Social score percentile 8
Governance score 16.56
Governance score percentile 8
Level of controversy 3

Lloyds Banking Group share dividends

We're not expecting Lloyds Banking Group to pay a dividend over the next 12 months. However, you can browse other dividend-paying shares in our guide.

You may also wish to consider:

Have Lloyds Banking Group's shares ever split?

Lloyds Banking Group's shares were split on a 41:40 basis on 11 May 2009. So if you had owned 40 shares the day before before the split, the next day you'd have owned 41 shares. This wouldn't directly have changed the overall worth of your Lloyds Banking Group shares – just the quantity. However, indirectly, the new 2.4% lower share price could have impacted the market appetite for Lloyds Banking Group shares which in turn could have impacted Lloyds Banking Group's share price.

Lloyds Banking Group share price volatility

Over the last 12 months, Lloyds Banking Group's shares have ranged in value from as little as 23.585p up to 63.84p. A popular way to gauge a stock's volatility is its "beta".

LLOY.LSE volatility(beta: 1.29)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (LSE average) beta is 1, while Lloyds Banking Group's is 1.293. This would suggest that Lloyds Banking Group's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).

To put Lloyds Banking Group's beta into context you can compare it against those of similar companies.

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Lloyds Banking Group overview

Lloyds Banking Group plc provides range of banking and financial services in the United Kingdom and internationally. It operates through three segments: Retail; Commercial Banking; and Insurance and Wealth. The Retail segment offers a range of financial service products, including current accounts, savings accounts, mortgages, motor finance, unsecured loans, leasing solutions, and credit cards to personal and small business customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, term lending, and debt capital markets services to corporate clients. The Insurance and Wealth segment offers life, home, and car insurance products; pensions and investment products; and advisory services in areas, including investments, planning for retirement, and protection and inheritance tax planning, as well as personal lending. It also provides digital, telephony, and mobile services. The company offers its products and services under the Lloyds Bank, Halifax, Black Horse, Agricultural Mortgage Corporation, Schroders Personal Wealth, Lex Autolease, Birmingham Midshires, MBNA, LDC, Bank of Scotland, and Scottish Widows brands. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.

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