Lloyds TSB Group PLC (LYG) Buy, Sell or Hold

Lloyds TSB Group PLC (LYG)

5.34

+0.04 (0.75%)

as of Jun 9, 2026, 8:00:00 pm Market Open.

28 watching

DON'T BUY

More of a value Buy and you are buying a turnaround. They have been very close to the mat a couple of times over the last year. Even the technicals are questionable. Speculative.

TOP PICK

One of the best banking restructuring stories in Europe. At its core it is really a retail bank. Not involved with investment banking. Forced to acquire HBOS in 2008, which gave them lots of cost synergies. Just announced they will be profitable in 2010. Could possibly go up 30%-40% in current environment. Cheap.

DON'T BUY

Not in a hurry to put any money into it. They were forced to take on an insurance company and the stock dropped.

TOP PICK

They were forced by the gov’t to make and acquisition and had to do a huge issue. Feb 28th we should see revenue growth goes up a little bit and cost structure comes down due to synergies with the acquisition. It’s a great retail bank without a lot of risk.

DON'T BUY

Canadian banking industry is the most attractive. Standard Chartered would be a better choice internationally.

TOP PICK

Great retail bank, not investment bank. Were returning about 24% on equity prior to their purchase of HBOS. A bad deal but they were the only ones who could buy it. It was a reasonable deal, which allowed them to increase their franchise. On the longer-term it is going to turn out to do incredibly well for them.

DON'T BUY

Can’t get excited about this one. Situation in the UK hasn't improved that much. Also wouldn't buy a US bank.

COMMENT

Always a challenge given its ADR. Prefers to buy companies in the actual exchanges and hedge up the currency risk himself. Financial services have been a really tough place. Stock looks identical to 30 other US banking stocks. If you believe there will be a government bailout, it is probably a good entry point. He is currently underweight financials.

COMMENT

Almost a pure domestic bank in Britain along with insurance. Hasn't had too much problem because of bad paper.

BUY

Pretty much a pure UK bank. Also has a life insurance company. On the very conservative side of banks. Well capitalized. Loan portfolio has been very conservative. Sold off in sympathy with global banks. Just reported excellent earnings and raised their dividend.

PARTIAL BUY

A largely domestic UK bank. Also has a large insurance company, Scottish Widows. Has been largely untainted by subprime bad mortgages, but has gone down with the banks. UK banks in general have been weak. Eventually it will be a great one to own but there is no rush to buy any financials right now. Pick away at it here.

PAST TOP PICK

(A Past Top Pick. Dec 5/06. Down 5%.) 4.5% dividend. Prefers the English banks to the US ones. Extremely well run domestic bank. Doesn't have the problems of the other banks but was guilty by association. Still a Buy.

TOP PICK

LLoyds bank. Sells at a lower multiple then North American banks, about 10 times next years earnings. 6% yield. Next year will be the fastest growing bank in the UK. Biggest risk is currency.

BUY

For the last number of years, they have been disposing of non-core properties and projects and are getting to be a reasonable valuation. Likes the British pound. Good dividend yield. Fairly heavy retail deposit base.

BUY

A perennial takeover target, but you don't buy it for that, but because they are actually doing a good job.

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Lloyds TSB Group PLC (LYG)