Like most stocks, Lloyds shares tumbled in early 2020, but bounced back somewhat towards the end of the year. Some investors believe it may continue to rally in 2021 due to optimistic profitability predictions.
How has coronavirus impacted Lloyds Banking Groups share price?
Since the stock market crash that started in February 2020, Lloyds Banking Groups share price has had significant negative movement.
Its last market close was 49.78p, which is 10.06% down on its pre-crash value of 55.35p and 66.95% up on the lowest point reached during the March 2020 crash when the shares fell as low as 29.817p.
If you had bought Â£1,000 worth of Lloyds Banking Group shares at the start of February 2020, those shares would have been worth Â£540.58 at the bottom of the March crash, and if you held on to them, then as of the last market close theyd be worth Â£880.28.
Lloyds Banking Group share price (LSE:LLOY)
Use our graph to track the performance of LLOY stocks over time.
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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 43.415p
1 month (2021-07-30)
3 months (2021-05-28)
6 months (2021-03-03)
Is Lloyds Banking Group under- or over-valued?
Valuing a stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of overall performance. However, analysts commonly use some key metrics to help gauge value.
Lloyds Banking Groups current share price divided by its per-share earnings (EPS) over a 12-month period gives a trailing price/earnings ratio of roughly 7x. In other words, Lloyds Banking Group shares trade at around 7x recent earnings.
Thats relatively low compared to, say, the trailing 12-month P/E ratio for the FTSE 250 at the end of September 2019 (19.71). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that theyre under-valued.
However, Lloyds Banking Groups P/E ratio is best considered in relation to those of others within the banks-regional industry or those of similar companies.
Lloyds Banking Groups price/earnings-to-growth ratio can be calculated by dividing its P/E ratio by its growth â€“ to give 0.176. A PEG ratio below 1 can be interpreted as meaning the shares are not overvalued given the current rate of growth.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Lloyds Banking Groups future profitability. By accounting for growth, it could also help you if youre comparing the share prices of multiple high-growth companies.
However, its sensible to consider Lloyds Banking Groups PEG ratio in relation to those of similar companies.
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.
Total ESG risk score
Lloyds Banking Groups total ESG risk: 29.76
Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Lloyds Banking Groups overall score of 29.76 (as at 12/31/2018) is nothing to write home about â€“ 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 Groups total ESG risk score against those of similar companies.
Lloyds Banking Groups environmental score: 8.82/100
Lloyds Banking Groups 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 Groups social score: 15.38/100
Lloyds Banking Groups 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 Groups governance score: 16.56/100
Lloyds Banking Groups 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 Groups 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 â€“ a middle-of-the-table result reflecting that Lloyds Banking Group hasnt always managed to keep its nose clean.
Wondering how that compares? Below are the controversy scores of similar companies.
Forward annual dividend yield: 3.03% of stock value
Dividend payout ratio: 22.88% of net profits
Lloyds Banking Group has recently paid out dividends equivalent to 2.71% of its share value annually.
Lloyds Banking Group has paid out, on average, around 22.88% of recent net profits as dividends. That has enabled analysts to estimate a forward annual dividend yield of 3.03% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), shareholders could enjoy a 3.03% return on their shares, in the form of dividend payments. In Lloyds Banking Groups case, that would currently equate to about 1.2p per share.
While Lloyds Banking Groups payout ratio might seem low, this can signify that the company is investing more in its future growth.
The latest dividend was paid out to all shareholders who bought their shares by 4 August 2021 (the ex-dividend date).
Lloyds Banking Groups dividend yield is perhaps best considered in relation to those of similar companies.
Lloyds Banking Groups shares were split on a 41:40 basis on 10 May 2009. So if you had owned 40 shares the day before before the split, the next day youd have owned 41 shares. This wouldnt directly have changed the overall worth of your Lloyds Banking Group shares â€“ 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 Groups share price.
Share price volatility
Over the last 12 months, Lloyds Banking Groups shares have ranged in value from as little as 23.5786p up to 50.5528p. A popular way to gauge a stocks volatility is its beta.
Beta is a measure of a shares volatility in relation to the market. The market (LSE average) beta is 1, while Lloyds Banking Groups is 1.4596. This would suggest that Lloyds Banking Groups 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 Groups beta into context you can compare it against those of similar companies.