Lloyds Banking Group’s (LLOY) Neutral Rating Reaffirmed at UBS Group

Lloyds Banking Group (LON:LLOY)‘s stock had its “neutral” rating reissued by investment analysts at UBS Group in a report issued on Friday,Digital Look reports. They presently have a GBX 103 price objective on the financial services provider’s stock. UBS Group’s price target points to a potential upside of 0.88% from the stock’s previous close.

LLOY has been the topic of several other reports. Keefe, Bruyette & Woods reissued an “outperform” rating and set a GBX 93 price target on shares of Lloyds Banking Group in a report on Friday, October 10th. JPMorgan Chase & Co. increased their target price on Lloyds Banking Group from GBX 102 to GBX 117 and gave the company a “neutral” rating in a report on Tuesday. Royal Bank Of Canada boosted their price target on Lloyds Banking Group from GBX 100 to GBX 110 and gave the company an “outperform” rating in a research note on Tuesday, October 28th. Citigroup increased their price objective on shares of Lloyds Banking Group from GBX 84 to GBX 97 and gave the stock a “neutral” rating in a research note on Monday, December 1st. Finally, Jefferies Financial Group restated a “buy” rating and set a GBX 105 target price on shares of Lloyds Banking Group in a research report on Tuesday, October 28th. Five analysts have rated the stock with a Buy rating and four have given a Hold rating to the company’s stock. According to MarketBeat, Lloyds Banking Group presently has a consensus rating of “Moderate Buy” and an average price target of GBX 104.33.

Lloyds Banking Group Stock Performance

LLOY opened at GBX 102.10 on Friday. The company’s 50-day simple moving average is GBX 96.53 and its two-hundred day simple moving average is GBX 87.53. The stock has a market capitalization of £59.99 billion, a P/E ratio of 17.91, a P/E/G ratio of 1.84 and a beta of 1.23. Lloyds Banking Group has a 52-week low of GBX 60.30 and a 52-week high of GBX 103.55.

Lloyds Banking Group (LON:LLOY) last released its quarterly earnings data on Thursday, December 11th. The financial services provider reported GBX 6.30 earnings per share for the quarter. Lloyds Banking Group had a net margin of 16.66% and a return on equity of 11.22%. Research analysts forecast that Lloyds Banking Group will post 7.3199528 EPS for the current fiscal year.

Key Stories Impacting Lloyds Banking Group

Here are the key news stories impacting Lloyds Banking Group this week:

• Positive Sentiment: JPMorgan raised its price target on Lloyds to GBX 117, boosting analyst sentiment and providing a clear near‑term upside benchmark for investors. JPMorgan Raises Price Target
• Positive Sentiment: Lloyds is accelerating its AI program — scaling up value‑creation targets and committing to train large parts of its workforce — which could raise productivity, streamline operations and fuel revenue growth over time. Evidence: reports on the bank’s expanded AI targets and staff training plans. Lloyds scales up targets for AI value creation Lloyds to train entire workforce in AI
• Positive Sentiment: Lloyds will redeem €500m of senior floating‑rate notes one year early after exercising a call option, tightening liability management and reducing future funding volatility; the move is generally credit‑positive. Early Redemption of €500m Notes
• Neutral Sentiment: UK government names “AI champions” to boost financial services — a sector‑level tailwind that could indirectly benefit major banks like Lloyds, but timing and bank‑specific impact remain unclear. UK Appoints AI Champions
• Neutral Sentiment: Media and retail investor pieces (e.g., a Yahoo article asking ChatGPT about ISA vs SIPP for Lloyds shares) are circulating — useful for retail demand context but unlikely to move institutional flows materially. ChatGPT on Buying Lloyds Shares
• Neutral Sentiment: Note: a clarification from Lloyds Metals & Energy (ticker LLOYDSME) is unrelated to Lloyds Banking Group; ignore for LON:LLOY fundamental analysis. Lloyds Metals & Energy Clarification
• Negative Sentiment: Lloyds, Halifax and Bank of Scotland will close 71 UK branches in 2026 (including recent local closures in Cornwall), a cost‑saving move that may dent local customer access and brand goodwill; investors weigh short‑term cost benefits against potential long‑term franchise erosion. Branch Closures 2026 Penzance Branch Closure Historic Branch Closure

Lloyds Banking Group Company Profile

We are the largest UK retail and commercial financial services provider with over 25 million customers and a presence in nearly every community.

The Group’s main business activities are retail and commercial banking, general insurance and long-term savings, provided through the largest branch network and digital bank in the UK, with well recognised brands including Lloyds Bank, Halifax, Bank of Scotland and Scottish Widows.

Our shares are quoted on the London and New York stock exchanges and we are one of the largest companies in the FTSE 100 index.