Lloyds Share Price : Live & Forecast 2025

As 2025 unfolds, Lloyds share price has captured renewed investor interest — but is this rally built to last? Many ask: What is the Lloyds share price today? What’s its outlook by end‑2025? Is it overvalued or undervalued?
In this article, you’ll get a live snapshot of the Lloyds share price, forecasts for 2025, insights into its driving forces and risks, and actionable tips to guide your decisions.

2. Lloyds Share Price Snapshot (Live / Immediate View)

2.1 Current Price & Recent Movement

At market close, Lloyds share price (LLOY) stood near 83.42 pence GBP, reflecting a small decline of –0.48%. CNBC
Its 52‑week range spans 52.44p to 84.72p, indicating broad volatility over the past year. CNBC
Trading volume remains robust, with daily averages exceeding 100 million shares, signaling persistent investor interest. CNBC+1

This snapshot establishes our reference point — where the stock is now — before diving deeper into valuation and forecasts.

*(Internal link: “Lloyds share price live” → your live quote dashboard page)
External link: London Stock Exchange’s Lloyds company page or the Investing / MarketWatch quote)

2.2 Key Metrics & Valuation Ratios

To judge whether the current share price is fair, let’s examine key valuation metrics:

• P/E ratio (forward / trailing): Lloyds currently trades with a relatively modest P/E compared to many peers. TipRanks+2TipRanks+2

• Dividend yield: ~3.99% based on latest payout. CNBC+2TipRanks+2

• Price-to-Book (P/B) & book value per share: Critical for bank valuation, these help detect undervaluation. TipRanks+1

• Return on Equity (ROE), efficiency ratios, and capital adequacy also influence investor confidence. TipRanks+1

• Peer comparisons: Evaluating “Lloyds share price vs Barclays / HSBC” across these metrics can highlight relative value.

When you overlay these numbers on the Lloyds share price chart and historical trend, they help answer: is the stock cheap, fair, or expensive?

3. What’s Driving Lloyds Share Price in 2025

3.1 Macro / External Drivers

• Interest rates / net interest margin (NIM): Rising rates tend to boost bank margins; cuts or flattening yield curves can compress them.

• UK economic growth & inflation: Strong GDP and stable inflation support credit demand and margins.

• Regulatory / policy environment: Decisions from the Bank of England, FCA or government reforms can influence costs and capital rules.

• Housing & mortgage demand: As a large mortgage lender, Lloyds is sensitive to UK property market trends.

3.2 Company‑Level / Fundamental Drivers

• Loan & deposit growth: Expanding retail, SME, or commercial lending lifts top-line revenue.

• Credit losses & non-performing assets (NPAs): Rising defaults reduce profitability and increase reserves.

• Provisions & surprises: Additional write‑downs (e.g. for mis‑selling cases) may hurt earnings.

• Cost control & efficiency: Digital transformation, branch rationalization, and operating leverage are key.

• Dividend policy & buybacks: Strong distribution supports investor confidence; cuts or constraints may dampen valuation.

3.3 Recent Events & News Impact

• Lloyds has warned that costs from the motor finance mis-selling scandal may grow beyond provisions already made. Financial Times+1

• Ongoing branch closures / restructuring plans aim to reduce costs and shift toward digital channels.

• Some analysts have raised target prices following recent financial results or outlook upgrades.

These developments can affect sentiment and valuation — sometimes faster than fundamentals.

4. Forecasts & Price Targets for 2025

4.1 Analyst Consensus & Target Ranges

Analysts generally project the Lloyds share price target in the 89–103 pence range. MarketBeat+1
MarketBeat’s consensus: 89.40p (high 103p, low 74p) MarketBeat
In recent research, Barclays upgraded targets to ~100p, RBC affirmed 95p, and Morgan Stanley stuck with their estimates. TipRanks

4.2 Forecasting Methodology / Scenarios

• Multiples approach: If Lloyds returns to a forward P/E of 12× and earnings rebound, the target mirrors ~95–100p.

• Dividend Discount / DCF: Using forecasted dividends, growth, discounting risk, we get a base valuation zone.

• Scenarios:

  • Bull case: strong macro, credit improvement → 100p+

  • Base case: steady growth → 90–100p

  • Bear case: recession or regulatory shock → 70–80p

• Sensitivity checks: A 0.25% interest rate change or 10bps rise in credit cost moves valuation materially in either direction.

4.3 Monthly / Quarterly Path Projection

Expect moderate appreciation through 2025, but key inflection points include:

• Q2 & Q4 earnings releases

• Regulatory announcements or rulings (e.g. mis-selling)

• Monetary policy shifts (Bank of England)

• Macro surprises (inflation, GDP)

Charting a quarter-by-quarter price path (e.g. 85 → 90p by mid-year → toward 95–100p by year-end) can help investors track momentum and adjust strategies.

5. Risks & Headwinds

• Economic downturn / recession risk: Weak demand and credit defaults could bite.

• Regulatory or compliance shocks: Unexpected rulings or fines (e.g. related to mis‑selling) can erode capital.

• Credit / default risk: Vulnerable sectors (consumer, SMEs) may strain loan book.

• Valuation contraction: If markets re-rate bank multiples downward, valuations fall.

• Dividend cuts / payout risk: Reduced cash flows or capital constraints might lead to lower dividends.

• External shocks: Inflation, interest rate volatility, geopolitical risk.

6. Investment Implications & Strategy Tips

• Long‑term investors: Hold or scale in gradually if fundamentals hold up and valuations remain undemanding.

• Income-seeking investors: The ~3.9–4% dividend yield offers appeal, but monitor sustainability.

• Short-term / trading strategies: Watch for breakouts above resistance (86–87p) or pullbacks to support (75–80p) as entry zones.

• Risk management: Use trailing stops, limit position size, and stay aware of catalyst dates.

• Portfolio context: Avoid overexposure to bank stocks; blend with more stable sectors for balance.

7. Summary & Conclusion

Lloyds share price currently trades in the low 80s pence, with low valuation metrics and moderate dividend yield underpinning investor interest. Analysts forecast upside toward 90–100p, though risks like mis‑selling provisions and macro uncertainty loom. For 2025, the base case points to steady growth; bull and bear scenarios hinge on how the interest rate, credit, and regulatory environment unfold.
Call to Action: Track Lloyds share price live via our dashboard, subscribe for periodic forecasts, and explore related reads like “How to buy Lloyds shares” or “Lloyds dividend outlook.”