Insider buying last 90 days
No open-market insider purchases were filed for LYG in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every LYG insider filing, plotted on the chart in Gekko.Open LYG in Gekko
Lloyds Banking (LYG) Stock Analysis & Forecast
$5.81−0.13 (−2.2%)
Close on Sep 18, 2026. Page updated Sep 19, 9:18 pm ET.
Gekko Brief
AI summaryLloyds Banking closes at $5.81, down 2.2% and sitting between its 50-day average of $6.03 and 200-day average of $5.59. The GekkoIndex reads 64.8, placing the stock in the Accumulation zone, and shares trade 7% below Gekko Fair Value of $6.25. Longer-term returns remain positive, with the stock up 4.9% over three months, 14.6% over six months and 27.1% over the past year.
This week's coverage centers on Lloyds' "Accelerate 2030" strategy, detailed by chief financial officer William Chalmers and presented at the Barclays 24th Annual Global Financial Services Conference, involving a £13 billion investment over four years directed at lending growth, fees and artificial intelligence. Separate commentary compares Lloyds' dividend trajectory against HSBC and notes Standard Chartered's stronger year, up 60%, on record operating income. A regulatory filing also showed Squarepoint Ops LLC raising its stake by 67.4% in the second quarter, adding 258,941 shares for a total holding of 642,950 shares valued at $3.75 million.
Looking ahead, Lloyds next reports earnings on 29 October 2026, 39 days away and before the open, placing the date outside a typical 20-trading-day holding window. The prior report on 30 July showed earnings per share of $0.13 against an estimate of $0.14, with a 5.1% price reaction; the stock has beaten estimates in 5 of the last 8 quarters. Seasonality over the next 20 trading days has averaged a 1.7% gain across 5 years, rising in 4 of them. No insider, Congress or unusual options activity appears in the current windows.
Written by AI and checked automatically against the figures on this page. Generated Sep 20, 2026 from the data above.
Price vs fair value
Close $5.81200-day averageGekko Fair Value $6.25
Key stats
- Market cap
- $84.33B
- P/E ratio
- 13.5
- Forward P/E
- 9.5
- EPS, TTM
- $0.44
- Revenue, TTM
- $19.69B
- Profit margin
- 26.4%
- Dividend yield
- 0.68%
- Beta
- 0.91
- Volume
- 10.11M avg 11.54M
- 1-year return
- +27.1%
- Typical daily move
- ±2%
- Typical 20-day move
- ±5.9%
- 50-day average
- $6.03
- 200-day average
- $5.59
- Next earnings
- Oct 29 before open
- Shares outstanding
- 14.44B
Lloyds Banking swing-trade checklist
Lloyds Banking scores 4 supportive, 1 mixed and 0 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive1 mixed0 headwinds
- Trendmixed
Averages disagree
Close $5.81 sits between the 50-day ($6.03) and 200-day ($5.59) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
64.8, Accumulation
Reading 64.8 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
7.0% below
Price is 7% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 39 days
Next report Oct 29, 2026, 39 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+1.7% on average
From this point in the calendar, the next 20 trading days averaged +1.7% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Lloyds Banking stock chart and price history
Lloyds Banking closed at $5.81 on Sep 18, 2026, +27.1% over the past year, inside a 52-week range of $4.36 to $6.34.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −2.2%
- 3 months
- +4.9%
- 6 months
- +14.6%
- 1 year
- +27.1%
The full LYG chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open LYG in Gekko
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About Lloyds Banking
Lloyds Banking provides a broad range of banking and financial services across the United Kingdom, serving individual customers, small businesses and larger organisations. It is recognized for well-known consumer brands such as Lloyds Bank, Halifax, Bank of Scotland and Scottish Widows, through which it offers everyday banking, mortgages, loans, credit cards and insurance products, alongside digital banking services.
The group organizes its business into three areas. Retail banking covers everyday accounts, mortgages, personal loans, car finance, leasing and credit cards for individuals and small businesses. Commercial Banking supports small and medium-sized firms, larger corporations and financial institutions with lending, transaction banking, working capital and risk management services. The Insurance & Wealth division provides insurance, investment products and wealth management services.
Lloyds Banking traces its origins back to 1695 and is headquartered in London, United Kingdom. Its shares trade under the ticker LYG.
- Sector
- Finance
- Website
- lloydsbankinggroup.com
Lloyds Banking GekkoIndex: the smart money zone
Lloyds Banking’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 64.8, in the Accumulation zone, up 5.5 points over five sessions.
64.8Accumulation
Up 5.5 points over five sessions, from the Neutral zone.
Reading for Sep 18, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 12 | +1.5% | +1.3% | ||
| Accumulation (current zone) | 124 | +1.9% | +4.7% | ||
| Neutral | 432 | +0.6% | +2.9% | ||
| Distribution | 44 | −0.8% | +1.7% | ||
| Selling | 3 | Too few readings yet | |||
Average LYG share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the LYG price, zone by zone.Track LYG in Gekko
Is Lloyds Banking stock overvalued? Gekko Fair Value
Lloyds Banking trades 7.0% below Gekko Fair Value of $6.25, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Lloyds Banking shares are worth, recalculated every trading day.
$6.25
Gekko Fair Value, Sep 19, 2026
7.0% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open LYG in Gekko
Lloyds Banking insider and Congress trading
No open-market insider purchases were filed for Lloyds Banking, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in LYG were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for LYG, plotted on the chart in Gekko.Open LYG in Gekko
Lloyds Banking earnings: next date and track record
Lloyds Banking reports on Oct 29, 2026, before the open (39 days away), and beat the EPS estimate in 5 of its last 8 reports.
Next earnings report
Oct 29, 2026
Expected before the open, 39 days away
- EPS estimate
- $0.15
- Revenue estimate
- $7.26B
5 of 8reports beat the EPS estimate
±3.1%average move across the report
7 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 30, 2026 AI summary
- What they said
- Lloyds Banking Group reported strong H1 2026 results with revenues on track to reach ~GBP 20 billion in 2026 and ROTE expected to exceed 16%. The group announced a 30% increase in interim ordinary dividend and a GBP 1 billion share buyback. Cumulative distributions since 2021 reached ~GBP 17 billion (~25% of market cap), supported by GBP 2 billion+ in gross cost savings and GBP 28 billion of RWA optimization.
- Guidance
- Management targets ROTE above 16% in 2026 and expects continued growth beyond. The new Accelerate 2030 strategy aims to extend profitable growth through technology-driven productivity gains and expanded customer propositions through 2030.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 30, 2026 | $0.13 est $0.14 | $6.66B est $6.86B | +5.1% |
| Apr 29, 2026 | $0.13 est $0.11 | $6.46B est $6.60B | +2.1% |
| Jan 29, 2026 | $0.12 est $0.11 | $6.53B est $6.52B | +2.8% |
| Oct 23, 2025 | $0.05 est $0.12 | −$5.82B est $6.81B | +1.1% |
| Jul 24, 2025 | $0.14 est $0.10 | $18.92B est $6.74B | +0.7% |
| May 1, 2025 | $0.11 est $0.08 | $5.66B est $6.39B | −5.1% |
| Feb 20, 2025 | $0.06 est $0.08 | $30.20B est $6.08B | +7.3% |
| Oct 23, 2024 | $0.19 est $0.09 | $6.03B est $5.67B | +0.6% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Lloyds Banking stock forecast and analyst price targets
Analysts’ average 12-month price target for Lloyds Banking is $6.58, +13.3% from the last close.
$6.58consensus 12-month target, +13.3% from the last close
+4.7%average 20-day move after past Accumulation readings
+1.7%average move over the next 20 trading days in the last 5 years
±2%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Lloyds Banking seasonality: the next 20 trading days
Over the next 20 trading days from Sep 19, Lloyds Banking averaged +1.7% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −0.4% | 4 of 5 |
| Next 10 trading days | −2.3% | 2 of 5 |
| Next 15 trading days | −1.1% | 2 of 5 |
| Next 20 trading days | +1.7% | 4 of 5 |
| Next 30 trading days | −1.2% | 2 of 5 |
For scale, LYG’s typical 20-trading-day move in either direction is about 5.9%.
Lloyds Banking market cap and key statistics
Lloyds Banking’s market cap is $84.33B, with a P/E ratio of 13.5 and revenue of $19.69B over the last twelve months.
Valuation
- Market cap
- $84.33B
- P/E ratio
- 13.5
- Forward P/E
- 9.5
- EPS, TTM
- $0.44
- Gekko Fair Value
- $6.25
Trading
- Volume
- 10.11M
- Avg volume, 20 days
- 11.54M
- 52-week high
- $6.34
- 52-week low
- $4.36
- Shares outstanding
- 14.44B
Financials
- Revenue, TTM
- $19.69B
- Profit margin
- 26.4%
- Return on equity
- 11.3%
- Quarterly earnings growth, YoY
- +17.7%
Risk and income
- Beta
- 0.91
- Typical daily move
- ±2%
- Typical 20-day move
- ±5.9%
- Dividend yield
- 0.68%
Lloyds Banking stock news this week
Coverage of Lloyds Banking this week reads positive: 4 positive, 2 neutral and 1 negative headlines.
- Lloyds Banking Group Maps Accelerate 2030 Plan With AI, Growth and Buyback FocusMarketBeat, Sep 18
- Forget Lloyds shares! This FTSE bank is up 60% in the past yearYahoo Finance UK, Sep 16
- My 12-month bold prediction for the Lloyds share price, and why I just bought inYahoo Finance UK, Sep 15
- Lloyds Banking Group plc (LYG) Presents at Barclays 24th Annual Global Financial Services Conference TranscriptSeeking Alpha, Sep 14
- Lloyds Banking Group at Barclays conference: growth plan steps upInvesting.com, Sep 14
- HSBC vs Lloyds: which FTSE 100 bank stock offers the best dividend today?Yahoo Finance UK, Sep 14
Lloyds Banking stock FAQ
What is Lloyds Banking’s market cap?
Lloyds Banking’s market cap is $84.33B at the Sep 18, 2026 close of $5.81, with 14.44B shares outstanding. The shares trade on a P/E ratio of 13.5.
What is the Lloyds Banking stock forecast?
The consensus analyst 12-month price target for Lloyds Banking is $6.58, +13.3% from the last close. Gekko doesn’t publish price predictions of its own.
Is Lloyds Banking stock overvalued or undervalued?
On Gekko’s estimate Lloyds Banking is undervalued: the Sep 18, 2026 close of $5.81 is 7.0% below Gekko Fair Value of $6.25. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Lloyds Banking report earnings next?
Lloyds Banking is expected to report on Oct 29, 2026, before the market opens (39 days away). Analysts expect earnings of $0.15 per share on revenue of $7.26B. Lloyds Banking beat the earnings estimate in 5 of its last 8 reports, moving 3.1% on average across the report.
What is Lloyds Banking’s 52-week high and low?
Lloyds Banking’s 52-week high is $6.34 and its 52-week low is $4.36; it closed at $5.81 on Sep 18, 2026, +27.1% over the past year.
Is Lloyds Banking stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 4 of the 5 items with data read as supportive (gekkoindex, fair value, earnings risk and seasonality), 1 as mixed (trend). The checklist is a description of current data, not a recommendation.
How this page works
Prices and signals update after every US market close; the GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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