Lloyds Banking Group (LYG) Stock: Buy, Sell, or Hold?
LYG - Lloyds Banking Group PLC
$6.01
0.12 (2.04%)
▲
5d:
-1.48%
30d:
-2.91%
90d:
+10.89%
HOLD
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 22, 2026
Get Alerted When LYG Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: LYG is fairly valued with market pricing in 0.9% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: LYG is fairly valued with market pricing in 0.9% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$9.91
Based on 11.1% avg growth
INTRINSIC VALUE TODAY
$6.15
2.4% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LYG is currently trading at $6.01, which is considered fair relative to its 30-day fair value range of $5.94 to $6.19. The stock's valuation (Forward PE: 9.4) is in line with its historical norms (9.2). At these levels, the market is pricing in 0.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, LYG is in a strong uptrend. The price is currently testing key support at $5.83. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 51/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, LYG is in a strong uptrend. The price is currently testing key support at $5.83. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 51/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$5.94 -
$6.19
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
68.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (51/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($6.59)
- NEUTRAL: Market pricing in 0.9% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (51/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$5.94 -
$6.19
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$5.83
Resistance Level
$6.10
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.39
Wall Street Target
$6.59
(+9.7%)
Revenue Growth (YoY)
12.3%
Earnings Growth (YoY)
17.7%
Profit Margin
26.4%
Valuation Premium vs History
+0.9% premium
PE vs Historical
9.4 vs 9.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.9%
(market-implied from PE analysis)
1-Year Target
$6.06
(+1%)
2-Year Target
$6.12
(+2%)
3-Year Target
$6.17
(+3%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$6.05
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 18.2%)
$21.29
(+254%)
Base:
(SPY PE: 9.4, Growth: 18.2%)
$9.91
(+65%)
Bear:
(PE: 8.0, Growth: 18.2%)
$8.43
(+40%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 13.70 | Current EPS (TTM): $0.43
Bull Case
$9.64
(+60%)
Analyst growth 48.8%, PE expands to 15.1
Base Case
$8.76
(+46%)
Market implied 48.8%, PE stable at 13.7
Bear Case
$4.01
(-33%)
Severe decline -20.0%, PE contracts to 11.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 13, 2026 10:31 PM ET
Data refreshes hourly during market hours. Next update: 11:31 PM
Data refreshes hourly during market hours. Next update: 11:31 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is LYG showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
PNC
PNC Financial Services G… |
BUY
23 analysts |
$278 | 61 BUY |
|
MTB
M&T Bank Corporation |
BUY
21 analysts |
$260 | 66 BUY |
|
KEY
KeyCorp |
BUY
19 analysts |
$26 | 62 BUY |
|
FNB
F.N.B. Corp |
STRONG BUY
9 analysts |
$21 | 63 BUY |
|
SNV
Synovus Financial Corp |
BUY
19 analysts |
$58 | 45 HOLD |
