LYG Stock Analysis: Buy, Sell, or Hold?
LYG - Lloyds Banking Group PLC
$5.03
0.20 (4.14%)
▲
5d:
+0.0%
30d:
-8.04%
90d:
-5.27%
HOLD
MODERATE Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: May 07, 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 shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: LYG shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$10.11
Based on 9.7% avg growth
INTRINSIC VALUE TODAY
$6.28
19.9% 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 10.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LYG is currently trading at $5.03, which is considered slightly low relative to its 30-day fair value range of $4.97 to $5.53. From a valuation perspective, the stock is trading at a discount (Forward PE: 8.2) compared to its historical average (10.4). Remarkably, the market is currently pricing in an annual earnings decline of 7.7% over the next few years. This pessimistic expectation contrasts with the company's recent 146.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, LYG is in a strong uptrend. Immediate support is located at $4.81, while resistance sits at $5.22. The stock is showing strong short-term momentum, up 4.1% recently.
Market Sentiment: LYG has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $5.92 (+17.7%). 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. Immediate support is located at $4.81, while resistance sits at $5.22. The stock is showing strong short-term momentum, up 4.1% recently.
Market Sentiment: LYG has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $5.92 (+17.7%). 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
SLIGHTLY LOW
Fair Price Range
$4.97 -
$5.53
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
59.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+4.1%)
- BULLISH: Trading below Wall St target ($5.92)
Fair Price Analysis
30-Day Fair Range
$4.97 -
$5.53
Current vs Fair Value
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$4.81
Resistance Level
$5.22
Current Trend
Strong Uptrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.19
Wall Street Target
$5.92
(+17.7%)
Revenue Growth (YoY)
14.4%
Earnings Growth (YoY)
146.4%
Profit Margin
25.0%
Valuation Discount vs History
-7.7% cheaper
PE vs Historical
8.2 vs 10.4
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-7.7%
(market-implied from PE analysis)
1-Year Target
$4.64
(-8%)
2-Year Target
$4.29
(-15%)
3-Year Target
$3.96
(-21%)
3-Yr Target (if PE normalizes)
(PE: 8→10)
$5.02
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 15.4%)
$21.08
(+319%)
Base:
(SPY PE: 8.2, Growth: 15.4%)
$7.73
(+54%)
Bear:
(PE: 7.0, Growth: 15.4%)
$6.57
(+31%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 13.19 | Current EPS (TTM): $0.37
Bull Case
$6.17
(+23%)
Analyst growth 15.0%, PE expands to 14.5
Base Case
$5.61
(+12%)
Market implied 15.0%, PE stable at 13.2
Bear Case
$3.32
(-34%)
Severe decline -20.0%, PE contracts to 11.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.2 to 10.4
Stabilization Target:
$6.39
(+27.0%)
PE Expansion Potential:
+27.0%
Share & Embed Analysis
Last updated: April 01, 2026 2:26 AM ET
Data refreshes hourly during market hours. Next update: 3:26 AM
Data refreshes hourly during market hours. Next update: 3:26 AM
🔥 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 |
|---|---|---|---|
|
USB
U.S. Bancorp |
BUY
24 analysts |
$64 | 63 BUY |
|
PNC
PNC Financial Services G… |
BUY
23 analysts |
$251 | 61 BUY |
|
WBS
Webster Financial Corpor… |
STRONG BUY
16 analysts |
$75 | 57 HOLD |
|
WAL
Western Alliance Bancorp… |
STRONG BUY
15 analysts |
$97 | 60 BUY |
|
BAP
Credicorp Ltd |
STRONG BUY
13 analysts |
$352 | 56 HOLD |
