Analysts warn of potential further provisions and predict costs over GBP1 billion for the group in two years. The bank's forecast of higher-than-anticipated costs and uncertainty around the motor finance review raise concerns.
Market worries about the financial impact of the group's exposure to the FCA's review into historical discretionary commission arrangements. Analysts question its potential effect on shareholder returns and adjust their buyback expectations. The bank's 2024 guidance, especially the net interest margin, is under scrutiny as Lloyds Banking may face more near-term mortgage margin pressure than peers.
Analyst Gary Greenwood anticipates Lloyds' potential for capital generation and a larger-than-expected share buyback. It may reach £2.5 billion if all net benefits are given to shareholders.
勞埃德股票討論區
5年來營收波動中略有下滑,5年平均淨利52.6億,2022年少數股東淨利和優先股派息佔淨利潤的9.6%,影響中等,歸屬普通股股東的淨利潤5年平均爲45.6億。2022年淨資產收益率10%,5年算數平均僅有7.1%。
2023前3季度營收增長21.7%,淨利潤增長51%。
5年來資產負債率從93.7%提高到94.6%,目前95%。 商譽及其他無形資產佔淨資產的18.4%。普通股股本有明顯下降。
目前市盈率5.9,市盈率TTM4.7, 5年平均淨利對應市盈率爲7.5,市淨率0.6,股息率5.5%,長期看來股息極不穩定,估值有些吸引力,可以謹慎選擇(⭐️)
- KPMG extends pay freeze to 12,000 U.K staff
- Volkswagen to cut thousands of jobs
- PwC cuts 2% of Canadian workfoce
- Lion Electric to lay off 10% of workforce
- Lloyds Banking is putting 2,500 jobs at risk at part of cost cutting plan
- TikTok owner ByteDance) plans to cut 1,000 jobs in gaming
$大眾汽車(ADR)(VWAGY.US)$$The Lion Electric(LEV.US)$$勞埃德(LYG.US)$$字節跳動(臨時代碼)(FT0001)$$標普500指數(.SPX.US)$$納斯達克綜合指數(.IXIC.US)$
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