| Lloyds Banking Group PLC (GB0008706128) | |||
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| 19.06.25 13:00:00 | CUBE ANNOUNCES ACQUISITION OF LEADING AI OPERATIONAL RISK PROVIDER, ACIN |  |
| Acin acquisition provides CUBE with first-to-market and strategic capability delivering transformative end-to-end automated regulatory compliance and risk management CUBE's enhanced capabilities include automated mapping between regulations and controls, traceability and 'opt-in' anonymised and aggregated industry benchmarking and analytics Beginning of an expanded global industry collaboration led by CUBE and supported by Barclays, BNP Paribas, Citi, J.P. Morgan and Lloyds Banking Group to accelerate AI innovation, reduce compliance costs and raise industry risk standards LONDON, June 19, 2025 /CNW/ -- CUBE, a global leader in Automated Regulatory Intelligence (ARI) and Regulatory Change Management (RCM), announces the acquisition of Acin, a London-headquartered RegTech and global operational risk AI and technology provider for the financial services sector.CUBE's acquisition of Acin creates one unified platform covering regulatory compliance and operational risk. The acquisition further expands CUBE's existing capabilities, with a proven regulatory controls data network and full traceability. It accelerates CUBE's mission to help the financial services sector and adjacent regulated industries to navigate increasingly complex compliance and risk environments – providing an industry-first data driven end-to-end regulatory compliance and risk management platform. Acin's AI-based platform empowers financial institutions to safely digitise their non-financial risk analysis, using groundbreaking data intelligence and analytic capabilities. Acin has established a network that calibrates control data and facilitates the appropriate sharing of best practice and standards between financial institutions. This creates new opportunities for regulatory compliance and risk mitigation, as customers can compare processes and best practices against their anonymised peers, offering valuable insight to enhance controls while maintaining full privacy and integrity of data. The acquisition also signals the beginning of an expanded global industry collaboration led by CUBE and supported by five leading banks, with others expected to join over the coming year. This will enable broader collaboration in all areas of financial services compliance and risk. Commenting on the acquisition of Acin, CUBE's Founder & CEO Ben Richmond, said: "This is a significant step forward in how financial services firms across the globe can take a truly integrated approach to their compliance and risk management. Since the founding of CUBE fifteen years ago, we've become recognised for the transformational solutions we've delivered in compliance. We'll now build on this by connecting the first and second lines of defence with a whole new end-to-end capability, which at its core will be the best of what AI can deliver for transformation." Story Continues "The work that Acin's been doing to enable industry benchmarking is also the perfect platform for the start of CUBE's industry-wide collaboration initiative. It's a first for the industry, and we see a significant opportunity for firms to reduce costs and make better, faster decisions. What was once siloed knowledge can become collective intelligence for improving compliance and risk effectiveness industry-wide. Secure, data-driven collaboration isn't just possible, it's essential for the continued evolution of the industry." Paul Ford, Founder of Acin, said: "Acin has seen first-hand the shared commitment of addressing operational risk from leaders within the industry. By joining forces with CUBE, our platform will continue to grow and deliver even greater value to both our existing customers and CUBE's global client base, while shaping the future of our industry. We are delighted to be part of this next era and excited about the increased value CUBE and Acin can deliver to customers in one unified platform." CUBE has more than doubled its revenue in the last year and now serves 1,000 customers globally, and has significantly grown its global team to 700 employees across 20 countries. Building on its acquisitions last year of Thomson Reuters Regulatory Intelligence and Oden businesses and RegRoom, the acquisition of Acin adds a first-to-market capability for CUBE bringing together regulatory compliance and operational risk in one unified platform: RegPlatform. Hg, a leading investor in European and Transatlantic software and services businesses, established a strategic partnership with CUBE in March 2024 to support CUBE's continued growth in the sector. Christopher Fielding, Partner at Hg, said: "We're delighted to continue to extend CUBE's reach with an innovative and complementary business such as Acin, and welcome the Acin team to CUBE. This acquisition significantly builds on CUBE's R&D for regulatory controls and policy automation, which has been a strategic focus since we made our investment in 2024." Thomas Martin, Director at Hg, added: "The industry collaboration initiative also shows what's possible when leaders come together with a shared goal of navigating regulatory complexity and risk in smarter, more collaborative ways." In May 2025, CUBE opened its new global headquarters in the City of London and announced a commitment to create 200 jobs over the next twelve months, half of which are expected to be based in the UK. The headquarters includes a cutting-edge AI Centre of Excellence, RegBrain AI Lab. CUBE's base of strategic and long-term customers will benefit from open access to the facilities, which have been purposefully designed to drive collaboration and progress the role of innovation and AI in compliance and risk. Transaction details for the acquisition were not disclosed. Photo - https://mma.prnewswire.com/media/2714178/CUBE.jpg Logo - https://mma.prnewswire.com/media/2589617/5377253/CUBE_Logo.jpgCUBE Logo (PRNewsfoto/CUBE)Cision View original content to download multimedia:https://www.prnewswire.com/news-releases/cube-announces-acquisition-of-leading-ai-operational-risk-provider-acin-302485592.html SOURCE CUBECision View original content to download multimedia: http://www.newswire.ca/en/releases/archive/June2025/19/c0430.html View Comments |
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| 19.06.25 08:00:00 | CUBE ANNOUNCES ACQUISITION OF LEADING AI OPERATIONAL RISK PROVIDER, ACIN | |
| Acin acquisition provides CUBE with first-to-market and strategic capability delivering transformative end-to-end automated regulatory compliance and risk management CUBE's enhanced capabilities include automated mapping between regulations and controls, traceability and 'opt-in' anonymised and aggregated industry benchmarking and analytics Beginning of an expanded global industry collaboration led by CUBE and supported by Barclays, BNP Paribas, Citi, J.P. Morgan and Lloyds Banking Group to accelerate AI innovation, reduce compliance costs and raise industry risk standards LONDON, June 19, 2025 /PRNewswire/ -- CUBE, a global leader in Automated Regulatory Intelligence (ARI) and Regulatory Change Management (RCM), announces the acquisition of Acin, a London-headquartered RegTech and global operational risk AI and technology provider for the financial services sector.CUBE's acquisition of Acin creates one unified platform covering regulatory compliance and operational risk. The acquisition further expands CUBE's existing capabilities, with a proven regulatory controls data network and full traceability. It accelerates CUBE's mission to help the financial services sector and adjacent regulated industries to navigate increasingly complex compliance and risk environments – providing an industry-first data driven end-to-end regulatory compliance and risk management platform. Acin's AI-based platform empowers financial institutions to safely digitise their non-financial risk analysis, using groundbreaking data intelligence and analytic capabilities. Acin has established a network that calibrates control data and facilitates the appropriate sharing of best practice and standards between financial institutions. This creates new opportunities for regulatory compliance and risk mitigation, as customers can compare processes and best practices against their anonymised peers, offering valuable insight to enhance controls while maintaining full privacy and integrity of data. The acquisition also signals the beginning of an expanded global industry collaboration led by CUBE and supported by five leading banks, with others expected to join over the coming year. This will enable broader collaboration in all areas of financial services compliance and risk. Commenting on the acquisition of Acin, CUBE's Founder & CEO Ben Richmond, said: "This is a significant step forward in how financial services firms across the globe can take a truly integrated approach to their compliance and risk management. Since the founding of CUBE fifteen years ago, we've become recognised for the transformational solutions we've delivered in compliance. We'll now build on this by connecting the first and second lines of defence with a whole new end-to-end capability, which at its core will be the best of what AI can deliver for transformation." Story Continues "The work that Acin's been doing to enable industry benchmarking is also the perfect platform for the start of CUBE's industry-wide collaboration initiative. It's a first for the industry, and we see a significant opportunity for firms to reduce costs and make better, faster decisions. What was once siloed knowledge can become collective intelligence for improving compliance and risk effectiveness industry-wide. Secure, data-driven collaboration isn't just possible, it's essential for the continued evolution of the industry." Paul Ford, Founder of Acin, said: "Acin has seen first-hand the shared commitment of addressing operational risk from leaders within the industry. By joining forces with CUBE, our platform will continue to grow and deliver even greater value to both our existing customers and CUBE's global client base, while shaping the future of our industry. We are delighted to be part of this next era and excited about the increased value CUBE and Acin can deliver to customers in one unified platform." CUBE has more than doubled its revenue in the last year and now serves 1,000 customers globally, and has significantly grown its global team to 700 employees across 20 countries. Building on its acquisitions last year of Thomson Reuters Regulatory Intelligence and Oden businesses and RegRoom, the acquisition of Acin adds a first-to-market capability for CUBE bringing together regulatory compliance and operational risk in one unified platform: RegPlatform. Hg, a leading investor in European and Transatlantic software and services businesses, established a strategic partnership with CUBE in March 2024 to support CUBE's continued growth in the sector. Christopher Fielding, Partner at Hg, said: "We're delighted to continue to extend CUBE's reach with an innovative and complementary business such as Acin, and welcome the Acin team to CUBE. This acquisition significantly builds on CUBE's R&D for regulatory controls and policy automation, which has been a strategic focus since we made our investment in 2024." Thomas Martin, Director at Hg, added: "The industry collaboration initiative also shows what's possible when leaders come together with a shared goal of navigating regulatory complexity and risk in smarter, more collaborative ways." In May 2025, CUBE opened its new global headquarters in the City of London and announced a commitment to create 200 jobs over the next twelve months, half of which are expected to be based in the UK. The headquarters includes a cutting-edge AI Centre of Excellence, RegBrain AI Lab. CUBE's base of strategic and long-term customers will benefit from open access to the facilities, which have been purposefully designed to drive collaboration and progress the role of innovation and AI in compliance and risk. Transaction details for the acquisition were not disclosed.CUBE LogoCision View original content:https://www.prnewswire.com/apac/news-releases/cube-announces-acquisition-of-leading-ai-operational-risk-provider-acin-302485613.html SOURCE CUBE View Comments |
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| 17.04.25 13:31:58 | Lloyds Banking Group plc (LYG) Surged on Strong 2024 Results |  |
| Oakmark Funds, advised by Harris Associates, released its “Oakmark Global Fund” first quarter 2025 investor letter. A copy of the letter can be downloaded here. The fund’s investor class returned 4.39% in the quarter compared to a -1.79% return for the MSCI World Index (net). The fund generated a 9.10% return since its inception compared to the index’s 6.21% return over the same period. The largest contributors at the sector level were financials and health care, while the largest detractors were communication services and materials. In addition, you can check the top 5 holdings of the fund to know its best picks in 2025. In its first-quarter 2025 investor letter, Oakmark Global Fund highlighted stocks such as Lloyds Banking Group plc (NYSE:LYG). Headquartered in London, the United Kingdom, Lloyds Banking Group plc (NYSE:LYG) offers a range of banking and financial products and services. The one-month return of Lloyds Banking Group plc (NYSE:LYG) was 0.27%, and its shares gained 51.00% of their value over the last 52 weeks. On April 16, 2025, Lloyds Banking Group plc (NYSE:LYG) stock closed at $3.76 per share with a market capitalization of $56.42 billion. Oakmark Global Fund stated the following regarding Lloyds Banking Group plc (NYSE:LYG) in its Q1 2025 investor letter: "Lloyds Banking Group plc (NYSE:LYG) was the top contributor during the quarter. The U.K.-headquartered diversified bank’s stock price rose throughout the quarter as it posted fiscal-year 2024 results where net-interest income modestly outperformed consensus expectations. In addition, Lloyds issued fiscal-year 2025 and 2026 guidance forecasting robust net-interest mar gin expansion and announced a 1.7 billion GBP (Great Britain Pound) share buyback. We continue to monitor the Motor Vehicle provision following the onerous appellate court ruling and are optimistic about a favorable ruling from the Supreme Court. In our view, the bank has a strong management team and a balance sheet with high levels of capital, liquidity and reserves which can help it unlock further value." An aerial shot of a business district with the company's headquarters towering above its competitors. Lloyds Banking Group plc (NYSE:LYG) is not on our list of 30 Most Popular Stocks Among Hedge Funds. As per our database, 11 hedge fund portfolios held Lloyds Banking Group plc (NYSE:LYG) at the end of the fourth quarter which was 10 in the previous quarter. While we acknowledge the potential of Lloyds Banking Group plc (NYSE:LYG) as an investment, our conviction lies in the belief that AI stocks hold greater promise for delivering higher returns, and doing so within a shorter timeframe. If you are looking for an AI stock that is as promising as NVIDIA but that trades at less than 5 times its earnings, check out our report about the cheapest AI stock. Story Continues We covered Lloyds Banking Group plc (NYSE:LYG) in another article, where we shared the list of top performing European stocks so far in 2025. In addition, please check out our hedge fund investor letters Q1 2025 page for more investor letters from hedge funds and other leading investors. READ NEXT: Michael Burry Is Selling These Stocks and A New Dawn Is Coming to US Stocks. Disclosure: None. This article is originally published at Insider Monkey. View Comments |
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| 15.04.25 12:58:24 | HSBC and Co-op Bank cut mortgage rates as Halifax and Lloyds ease rules | |
| Moneyfacts, the financial data provider, said the number of deals where people were able to put down a deposit of just 5% or 10% had risen to its highest level since March 2008Photograph: Tolga Akmen/EPA UK lenders are stepping up a mortgage price war, with HSBC (HSBA.L) and the Co-operative Bank announcing fresh rate cuts, and Halifax and Lloyds Bank (LLOY.L) loosening their affordability rules to enable homebuyers to borrow more. The number of low-deposit mortgages that let buyers borrow up to 95% of a property’s value has hit a 17-year high. In recent days, lenders have started cutting their mortgage rates in apparent response to the financial turmoil and changed expectations on UK interest rates sparked by the US trade tariffs. On Thursday last week, Barclays (BARC.L) became the first “big six” lender to cut the cost of some new fixed-rate deals to below 4%, after similar announcements by some smaller players. Now, more major lenders are announcing reductions, improving the options on offer for first-time buyers, home movers and those looking to remortgage. On Tuesday, HSBC said it would be cutting rates across a range of products with effect from Wednesday 16 April, with full details of the new pricing yet to emerge. The Co-operative Bank said it would be relaunching its mainstream and buy-to-let mortgage ranges on Thursday 17 April. It said it would be reducing rates on new two- and three-year fixed deals for homebuyers by as much as 0.26 percentage points, with equivalent deals for those looking to remortgage being cut by up to 0.18 percentage points. Other lenders announcing rate reductions include Gen H. At the same time, several leading lenders have followed the example of Santander last month (BNC.L) and relaxed their affordability rules. The changes made by Halifax, Bank of Scotland, Lloyds Bank and BM Solutions – all part of Lloyds Banking Group – mean a typical household applying for a mortgage could potentially borrow £38,000 more, thereby making it easier “to turn their dream home into a reality”, according to a spokesperson. When lenders decide whether to approve a home loan, they assess whether a borrower could still afford the repayments if interest rates rose. But the Financial Conduct Authority said recently that the way some lenders were doing these stress tests “may be unduly restricting access to otherwise affordable mortgages”. The Lloyds group brands are lowering their stress test rates with immediate effect. “The effect of these changes is that customers will, subject to full affordability testing, be able to borrow more than they can currently,” said the spokesperson, adding that typical customers may see increases of about 13% in the maximum loan available. The group gave the example of a couple with two dependant children and a total household income of £75,000 who, depending on the product they chose, previously might have been able to borrow a maximum of £286,000. The latest changes could lift this to £324,000. Moneyfacts, a financial data provider, said the number of deals where people were able to put down a deposit of just 5% or 10% had risen to its highest level since March 2008 – a development that is particularly good news for first-time buyers, who can often struggle to amass a sizeable deposit. View Comments |
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| 15.04.25 12:50:28 | Is Lloyds Banking Group (LYG) The Best Performing Stock in Europe? | |
| We recently published a list of 11 Top Performing European Stocks So Far In 2025. In this article, we are going to take a look at where Lloyds Banking Group plc (NYSE:LYG) stands against other best performing European stocks to invest in. The world economy is hanging by a thread, as the macroeconomic environment consists of trade wars, retaliatory tariffs, and political unrest in Ukraine and the Middle East. It adds to economic uncertainty, with market experts offering cautious economic forecasts. According to EY, the euro area will experience a modest economic turnaround in 2025, and growth is expected to increase from 0.7% last year to 1.3% and 1.8% in 2025 and 2026, respectively. It is forecasted to simmer down to 1.4% in 2027. Among all European countries, Malta is projected to experience the highest GDP growth in 2025 at 4%. EY expects soft employment growth across Europe, driven by demographic challenges and subdued labor demand. Unemployment will likely remain at 2024 levels. While nominal wage this year will clock in higher than pre-pandemic levels, wage growth will take a hit. Central and Eastern European countries are forecasted to experience relatively higher inflation in 2025, while the overall rate remains just over 2% in the euro area. Meanwhile, German economic institutes have slashed their growth projections for 2025 to 0.1% from the previous forecast of 0.8% in September 2024. This revised estimate does not incorporate the recent tariffs levied by the US. These tariffs will be a major setback for European economies, possibly toppling them over the edge of recession for the third consecutive year. The new conservative government declared a €500 billion fund to improve infrastructure and defence and stimulate growth. The fiscal package enhances the economic outlook for 2026 and 2027. However, as the United States is feeling the pressure from high valuations and growing political instability, analysts are looking towards Europe as a better bet for stock investors. Analysts point towards Europe offering a more stable outlook, with lower stock prices, clearer policy direction, and even potential interest rate cuts on the horizon. Investors seem to be shifting their focus, partly because the threat of US tariffs on Europe, especially on automobiles, feels less uncertain now that details are clearer. There is also less exposure to tech in Europe, which is seen as a good thing right now. Europe’s markets, with just 10% tech exposure in the Europe 600 compared to 30% in the broader market, look more balanced. Story Continues With solid earnings, rising share buybacks, and cheaper stock valuations, investors are turning to Europe. Experts suggest that European and UK markets now have their best shot in years at outperforming the US. With that in mind, let’s take a look at the best-performing stocks in Europe so far in 2025.Lloyds Banking Group plc (LYG): Among the Best Performing Stocks in Europe A financial trader intently monitoring the stock market on multiple screens. Our Methodology To compile our list of the top performing European stocks this year, used the Finviz screener, applying filters for the region and a market cap of over 10 billion to identify stable European companies. Next, we applied a performance filter and selected 11 European stocks with the highest YTD share price growth as of April 11. We have also mentioned the Q4 2024 hedge fund sentiment around the holdings for further insight. Why are we interested in the stocks that hedge funds pile into? The reason is simple: our research has shown that we can outperform the market by imitating the top stock picks of the best hedge funds. Our quarterly newsletter’s strategy selects 14 small-cap and large-cap stocks every quarter and has returned 373.4% since May 2014, beating its benchmark by 218 percentage points (see more details here). Lloyds Banking Group plc (NYSE:LYG) Number of Hedge Fund Holders: 11 YTD Share Price Performance as of April 11: 32.96% Lloyds Banking Group plc (NYSE:LYG) is a UK-based financial services provider that operates through three business segments – Retail, Commercial Banking, and Insurance, Pensions & Investments. On March 4, Morgan Stanley upgraded Lloyds stock from Equal Weight to Overweight and raised the price target to £0.90 from £0.70. Morgan Stanley remarked that Lloyds' recent stock rise is a bounce-back from last year's struggles, mainly due to slower growth in net interest income (NII) and the ongoing Motor Finance litigation. They expect the company to catch up on NII in the next couple of years and see more evident progress on the litigation by mid-year. LYG is one of the best performing stocks from Europe. In 2024, Lloyds Banking Group plc (NYSE:LYG) did well financially, with income growth driven by a higher banking net interest margin and other income. The bank kept costs under control and maintained strong asset quality, allowing for £3.6 billion in shareholder distributions for the year. LYG is building on current momentum and can potentially generate more than £1.5 billion in extra income by 2026. The company exceeded its 2024 targets, bringing in £0.8 billion in additional revenue and saving £1.2 billion in costs. According to Insider Monkey’s fourth quarter database, 11 hedge funds were long Lloyds Banking Group plc (NYSE:LYG), compared to 10 funds in the prior quarter. Israel Englander’s Millennium Management was a prominent stakeholder of the company, with 7 million shares valued at $72.5 million. Overall, LYG ranks 2nd among the 11 Top Performing European Stocks So Far In 2025. While we acknowledge the potential of European stocks, our conviction lies in the belief that AI stocks hold greater promise for delivering higher returns, and doing so within a shorter time frame. There is an AI stock that went up since the beginning of 2025, while popular AI stocks lost around 25%. If you are looking for an AI stock that is more promising than LYG but that trades at less than 5 times its earnings, check out our report about this cheapest AI stock. READ NEXT: 20 Best AI Stocks To Buy Now and 30 Best Stocks to Buy Now According to Billionaires. Disclosure: None. This article is originally published at Insider Monkey. View Comments |
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| 15.04.25 06:34:12 | Top 3 UK Dividend Stocks To Consider | |
| The United Kingdom's FTSE 100 index has recently experienced a downturn, influenced by weak trade data from China and global economic uncertainties. Despite these challenges, dividend stocks remain an attractive option for investors seeking steady income streams, as they can provide a cushion against market volatility while offering potential long-term growth. Top 10 Dividend Stocks In The United Kingdom Name Dividend Yield Dividend Rating WPP (LSE:WPP) 7.14% ★★★★★★ Man Group (LSE:EMG) 8.20% ★★★★★☆ Treatt (LSE:TET) 3.90% ★★★★★☆ Keller Group (LSE:KLR) 3.57% ★★★★★☆ 4imprint Group (LSE:FOUR) 5.72% ★★★★★☆ DCC (LSE:DCC) 4.10% ★★★★★☆ Big Yellow Group (LSE:BYG) 4.99% ★★★★★☆ OSB Group (LSE:OSB) 8.01% ★★★★★☆ NWF Group (AIM:NWF) 4.75% ★★★★★☆ James Latham (AIM:LTHM) 7.59% ★★★★★☆ Click here to see the full list of 64 stocks from our Top UK Dividend Stocks screener. Let's explore several standout options from the results in the screener. Hargreaves Services Simply Wall St Dividend Rating: ★★★★☆☆ Overview: Hargreaves Services Plc, with a market cap of £189.86 million, offers environmental and industrial services across the United Kingdom, Europe, Hong Kong, and internationally. Operations: Hargreaves Services Plc generates revenue primarily from its Services segment, amounting to £219.11 million, and Hargreaves Land segment, contributing £10.54 million. Dividend Yield: 6.4% Hargreaves Services offers a dividend yield of 6.42%, placing it in the top 25% of UK dividend payers, yet its dividends are not fully covered by cash flows, indicating potential sustainability issues. Despite a history of volatility and unreliable growth in dividends over the past decade, recent earnings have improved significantly with net income rising to £3.99 million for the half year ended November 2024. An interim dividend increase to 18.5 pence reflects cautious optimism amidst executive changes aimed at enhancing value creation within its services unit. Navigate through the intricacies of Hargreaves Services with our comprehensive dividend report here. Insights from our recent valuation report point to the potential undervaluation of Hargreaves Services shares in the market.AIM:HSP Dividend History as at Apr 2025 Lloyds Banking Group Simply Wall St Dividend Rating: ★★★★☆☆ Overview: Lloyds Banking Group plc, along with its subsidiaries, offers a variety of banking and financial products and services both in the United Kingdom and internationally, with a market capitalization of approximately £41.17 billion. Operations: Lloyds Banking Group's revenue segments include Retail (including Wealth) at £10.86 billion, Commercial Banking (excluding Credit Cards) at £5.27 billion, and Insurance, Pensions and Investments at £1.16 billion. Story Continues Dividend Yield: 4.6% Lloyds Banking Group's dividend yield is lower than the top UK payers, but its dividends are currently covered by earnings with a payout ratio of 50.4%. Recent strategic shifts, such as leveraging AI and cloud technologies, aim to enhance operational efficiency and customer experience. Despite a volatile dividend history, recent increases align with its progressive policy. The group's share buyback plan up to £1.7 billion could further support shareholder value amidst ongoing digital transformation efforts. Unlock comprehensive insights into our analysis of Lloyds Banking Group stock in this dividend report. Insights from our recent valuation report point to the potential overvaluation of Lloyds Banking Group shares in the market.LSE:LLOY Dividend History as at Apr 2025 Paragon Banking Group Simply Wall St Dividend Rating: ★★★★☆☆ Overview: Paragon Banking Group PLC operates in the United Kingdom offering financial products and services, with a market cap of £1.48 billion. Operations: Paragon Banking Group PLC generates its revenue from two main segments in the United Kingdom: Mortgage Lending, contributing £280.50 million, and Commercial Lending, adding £115.20 million. Dividend Yield: 5.4% Paragon Banking Group's dividend yield of 5.35% is below the top UK payers, yet its dividends are well-covered by earnings and cash flows with payout ratios of 45.6% and 3.6%, respectively. Despite a history of volatility in dividend payments, recent shareholder approval for a final dividend increase to 27.2 pence per share suggests potential growth alignment. Trading at a significant discount to estimated fair value, Paragon offers good relative value compared to peers despite insider selling concerns. Dive into the specifics of Paragon Banking Group here with our thorough dividend report. The valuation report we've compiled suggests that Paragon Banking Group's current price could be quite moderate.LSE:PAG Dividend History as at Apr 2025 Where To Now? Dive into all 64 of the Top UK Dividend Stocks we have identified here. Are any of these part of your asset mix? Tap into the analytical power of Simply Wall St's portfolio to get a 360-degree view on how they're shaping up. Simply Wall St is your key to unlocking global market trends, a free user-friendly app for forward-thinking investors. Interested In Other Possibilities? Explore high-performing small cap companies that haven't yet garnered significant analyst attention. Fuel your portfolio with companies showing strong growth potential, backed by optimistic outlooks both from analysts and management. Find companies with promising cash flow potential yet trading below their fair value. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include AIM:HSP LSE:LLOY and LSE:PAG. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com View Comments |
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| 11.04.25 13:53:32 | Lloyds Banking Group plc (LYG): Among the High-Dividend Stocks to Invest In Under $10 | |
| We recently published a list of the 13 High-Dividend Stocks to Invest In Under $10. In this article, we are going to take a look at where Lloyds Banking Group plc (NYSE:LYG) stands against other high-dividend stocks under $10. Investors often favor dividend stocks for their long-term potential, with their appeal stemming from the consistent growth they tend to deliver over time. Ed Yardeni, the President of Yardeni Research, Inc., stated the following about dividends: “Dividends are like plants: Both grow. But dividends can grow forever, while the size of plants is limited.” Dividend stocks are experiencing renewed interest today as a means to return value to shareholders. In 2022, companies in the broader market paid out a record $565 billion in dividends—the highest amount ever recorded. This comes at a time when interest rates are structurally higher for the first time in decades, making the era of ultra-low borrowing costs seem like a thing of the past. Between 2018 and 2022, investors also weathered three bear markets, each marked by a drop of 20% or more. As some of the biggest companies have grown to enormous sizes —both in terms of revenue and market cap—their ability to sustain high growth rates has naturally declined. Despite slower growth prospects, these companies remain highly profitable, generating more cash than they can effectively reinvest because they are returning it to shareholders through dividends. This is why more and more companies have initiated their dividend policies. In 2024, major tech companies joined the dividend club in an effort to offer both growth and value to shareholders. The tech giants, though offering low yields today, managed to return billions through dividends last year, which is a clear indication of their strong commitment to rewarding investors. S&P Global also highlighted this trend in a recent report, noting that global dividend growth saw a sharp rise in 2024, climbing by an impressive 8.5%. The surge was especially strong in Asia-Pacific, where government policies encouraged companies to shift from annual to semiannual dividend distributions. At the same time, the US market experienced a wave of new and reinstated dividend payments, largely fueled by companies in the technology, media, and telecommunications (TMT) sectors. With the market taking a volatile turn, dividend stocks are in the green, offering a sense of reassurance to investors. The Dividend Aristocrats Index, which tracks the performance of companies with 25 consecutive years of dividend growth, is down by over 4% since the start of 2025, compared with an over 10% decline in the broader market. As a result, analysts remain optimistic about dividend prospects in 2025. According to S&P Global, US total dividend payouts are expected to rise by 7% next year, reaching approximately $784 billion. In recent years—and continuing into the current fiscal year—sectors like energy, pharmaceuticals, financial services, banking, and REITs have played a major role in driving this growth. Given this positive outlook, we will take a look at some of the best dividend stocks under $10 with high yields. Story Continues Lloyds Banking Group plc (LYG): Among the High-Dividend Stocks to Invest In Under $10 A financial trader intently monitoring the stock market on multiple screens. Our Methodology For this article, we screened for dividend stocks under $10, as of the close of April 7. From that list, we identified stocks with high dividend yields and picked 13 stocks with dividend yields over 4%, as recorded on April 8. The stocks are ranked according to their dividends. While high-yield dividend stocks are sometimes seen as signs of weakening financial health, we focused on selecting companies with solid dividend track records and strong balance sheets. At Insider Monkey, we are obsessed with hedge funds. Why are we interested in the stocks that hedge funds pile into? The reason is simple: our research has shown that we can outperform the market by imitating the top stock picks of the best hedge funds. Our quarterly newsletter’s strategy selects 14 small-cap and large-cap stocks every quarter and has returned 373.4% since May 2014, beating its benchmark by 218 percentage points (see more details here). Lloyds Banking Group plc (NYSE:LYG) Dividend Yield as of April 8: 4.78% Share Price as of the Close of April 7: $3.34 Lloyds Banking Group plc (NYSE:LYG) is a British financial services company that provides services to retail and commercial customers. In FY24, the company posted an underlying net interest income of £12.8 billion, marking a 7% decline due to a reduced banking net interest margin of 2.95%, while average interest-earning banking assets remained steady at £451.2 billion. In the fourth quarter alone, underlying net interest income edged up 1% to £3.3 billion, supported by a slightly higher net interest margin of 2.97%. Lloyds Banking Group plc (NYSE:LYG) also reported that underlying loans and advances to customers rose by £9.4 billion over the year, including a £2.1 billion increase in the fourth quarter, bringing the total to £459.1 billion. This growth was mainly driven by a £6.1 billion rise in UK mortgage lending. In addition, customer deposits climbed by £11.3 billion over the year to reach £482.7 billion, fueled by strong growth in Retail deposits, while Commercial Banking deposits remained stable. The fourth quarter saw particularly robust momentum, with deposits increasing by £7.0 billion. In its earnings report, Lloyds Banking Group plc (NYSE:LYG)’s management has proposed a final ordinary dividend of 2.11 pence per share, bringing the total dividend for 2024 to 3.17 pence per share. This represents a 15% increase from the previous year and aligns with the Group’s ongoing commitment to a progressive and sustainable dividend policy. With a dividend yield of 4.78%, as of April 8, LYG is one of the best dividend stocks on our list. Overall, LYG ranks 13th on our list of the high dividend stocks to invest in under $10. While we acknowledge the potential of LYG as an investment, our conviction lies in the belief that some deeply undervalued dividend stocks hold greater promise for delivering higher returns, and doing so within a shorter time frame. If you are looking for a deeply undervalued dividend stock that is more promising than LYG but that trades at 10 times its earnings and grows its earnings at double digit rates annually, check out our report about the dirt cheap dividend stock. READ NEXT: 20 Best AI Stocks To Buy Now and 30 Best Stocks to Buy Now According to Billionaires. Disclosure: None. This article is originally published at Insider Monkey. View Comments |
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| 04.04.25 10:45:04 | Market Chatter: HSBC Holdings, Lloyds Provide $781 Million Debt Financing for Kee Safety Acquisition | |
| HSBC Holdings (HSBC) and Lloyds Banking Group (LYG) are providing about 600 million British pounds ( PREMIUM Upgrade to read this MT Newswires article and get so much more. A Silver or Gold subscription plan is required to access premium news articles. Upgrade Already have a subscription? Sign in |
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| 27.03.25 16:00:10 | Lloyds (LYG) Upgraded to Buy: Here's What You Should Know | |
| Lloyds (LYG) could be a solid choice for investors given its recent upgrade to a Zacks Rank #2 (Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices. The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the system. Since a changing earnings picture is a powerful factor influencing near-term stock price movements, the Zacks rating system is very useful for individual investors. They may find it difficult to make decisions based on rating upgrades by Wall Street analysts, as these are mostly driven by subjective factors that are hard to see and measure in real time. Therefore, the Zacks rating upgrade for Lloyds basically reflects positivity about its earnings outlook that could translate into buying pressure and an increase in its stock price. Most Powerful Force Impacting Stock Prices The change in a company's future earnings potential, as reflected in earnings estimate revisions, has proven to be strongly correlated with the near-term price movement of its stock. The influence of institutional investors has a partial contribution to this relationship, as these big professionals use earnings and earnings estimates to calculate the fair value of a company's shares. An increase or decrease in earnings estimates in their valuation models simply results in higher or lower fair value for a stock, and institutional investors typically buy or sell it. Their bulk investment action then leads to price movement for the stock. For Lloyds, rising earnings estimates and the consequent rating upgrade fundamentally mean an improvement in the company's underlying business. And investors' appreciation of this improving business trend should push the stock higher. Harnessing the Power of Earnings Estimate Revisions As empirical research shows a strong correlation between trends in earnings estimate revisions and near-term stock movements, tracking such revisions for making an investment decision could be truly rewarding. Here is where the tried-and-tested Zacks Rank stock-rating system plays an important role, as it effectively harnesses the power of earnings estimate revisions. The Zacks Rank stock-rating system, which uses four factors related to earnings estimates to classify stocks into five groups, ranging from Zacks Rank #1 (Strong Buy) to Zacks Rank #5 (Strong Sell), has an impressive externally-audited track record, with Zacks Rank #1 stocks generating an average annual return of +25% since 1988. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here >>>>. Story Continues Earnings Estimate Revisions for Lloyds This bank is expected to earn $0.31 per share for the fiscal year ending December 2025, which represents a year-over-year change of -22.5%. Analysts have been steadily raising their estimates for Lloyds. Over the past three months, the Zacks Consensus Estimate for the company has increased 37.8%. Bottom Line Unlike the overly optimistic Wall Street analysts whose rating systems tend to be weighted toward favorable recommendations, the Zacks rating system maintains an equal proportion of 'buy' and 'sell' ratings for its entire universe of more than 4000 stocks at any point in time. Irrespective of market conditions, only the top 5% of the Zacks-covered stocks get a 'Strong Buy' rating and the next 15% get a 'Buy' rating. So, the placement of a stock in the top 20% of the Zacks-covered stocks indicates its superior earnings estimate revision feature, making it a solid candidate for producing market-beating returns in the near term. You can learn more about the Zacks Rank here >>> The upgrade of Lloyds to a Zacks Rank #2 positions it in the top 20% of the Zacks-covered stocks in terms of estimate revisions, implying that the stock might move higher in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Lloyds Banking Group PLC (LYG) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research View Comments |
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| 24.03.25 10:30:45 | Power switching: banks compete for current account customers with cash payouts | |
| NatWest has joined First Direct, Lloyds and Nationwide in promising healthy one-off payments.Photograph: Isabel Infantes/Reuters Some of the biggest high-street banks are eager for people to ditch their existing current accounts and switch to their offerings – with the promise of cash bonuses of up to £175 in return. NatWest (NWG.L) has joined First Direct, Lloyds (LLOY.L) and Nationwide (NBS.L) in promising healthy one-off payments for new accounts. However, time is running out to take advantage of some of the deals, with a couple of them expiring at the end of this month. It is the latest round of campaigning for custom from banks and other current account providers, which were last year offering up to £200 for people to move, according to Rachel Springall at Moneyfacts. “Switching incentives come and go, so they are never a guarantee for consumers,” she says. “It all comes down to the business appetite of current account providers and the time of year.” But many worry that moving from one account to another can take time and effort. So what is on offer and is it worth it? NatWest The high-street lender is the latest bank to offer a healthy sum to attract people to switch. Customers will get £150 within 30 days of fully switching to the bank’s Reward account. This charges a £2 monthly fee but promises that customers can “earn” the money back by using direct debits and the mobile app. Anyone who opens an account must lodge £1,250 within 60 days. Within a month of that, the £150 will be paid. “Rewards” of £4 a month are offered if customers have two direct debits of £2 or more. Another £1 a month is given for logging into the mobile app. If you get these rewards, you can offset the cost of the account and earn another £36 a year. Anyone who has previously got a switching payment from the NatWest group is ineligible, as are those who want to switch from Royal Bank of Scotland or from Ulster Bank. The offer’s expiry date is not clear, as the bank says it “could be withdrawn at any time”. First Direct Signing up to First Direct’s 1st account can net you a £175 payment. The bank does not charge fees for debit card spending or ATM cash withdrawals outside the UK (although you may still have to pay other fees, such as to overseas card machine operators). There is also an interest-free overdraft of up to £250. Anything over that is charged at 39.9%. Anyone who switches needs to move at least two direct debits or standing orders and deposit £1,000 within 45 days, as well as make five debit card transactions and log on to digital banking. After that, they will get their welcome bonus. The offer is only open to people who have never previously had a First Direct account. Anyone who has opened an HSBC current account since January 2018 cannot apply. Story Continues Lloyds People switching to a new Club Lloyds account can get a £175 payment. The deal applies to the Club Lloyds account (which has a £3 monthly fee), the Club Lloyds Silver account (£11.50 a month plus the £3 fee) and the Club Lloyds Platinum account (£22.50 a month plus the £3 fee). The £3 fee on each account is refunded if a customer pays in £2,000 or more a month. You must switch three or more direct debits. Those who have received a payment from a switching offer from Lloyds, Bank of Scotland or Halifax since April 2020 are not eligible, and the offer ends on 1 April. Switchers to the Club Lloyds account can also choose a “lifestyle benefit”: these include a Disney+ subscription, six cinema tickets, a Coffee Club and Gourmet Society membership, or an annual magazine subscription. Nationwide Also finishing soon is Nationwide building society’s offer of £175 for switching to one of three current accounts. This offer lasts until 31 March. New customers must transfer a minimum of two direct debits to the new account, plus pay in at least £1,000 and make one debit card payment within 31 days. They can switch to the FlexDirect account, which has a 5% interest rate and offers 1% cashback on card purchases for 12 months, or to the FlexAccount, both of which have no monthly fee. Or they can choose the FlexPlus packaged account, which includes travel and mobile phone insurance, breakdown cover and commission-free use abroad, but carries an £18-a-month fee. Should you do it? James Daley at the consumer group Fairer Finance says potential customers must look beyond the headline payout and focus on what they will get over the course of the “relationship”, which could last for a number of years. “Some accounts offer great value, with cashback or other rewards built into their offers,” he says. Others have great service but fewer bells and whistles. “For example, Nationwide and First Direct are renowned for their service, but their core accounts are fairly vanilla. “If you can afford Nationwide’s FlexPlus packaged account, and can make use of the insurances, then this is an account that can offer exceptional value. NatWest and Lloyds do not have quite the same level of customer happiness and trust, but they offer accounts with good rewards.” Springall says there are hoops for new customers to jump through to get the bonus payments, so the perks are not always suitable for everyone. “Consumers who spend more than they save would be wise to choose an account that rewards them for using their debit card, whereas savers should look for high interest rates or reward payments,” she says. “Those who might dip into their overdraft would be wise to consider an account that charges a competitive tariff or has an interest-free buffer.” Find an ethical alternative In these times of global crisis and the ongoing climate emergency it’s easy to feel overwhelmed about what we can do to make a difference. However, choosing an ethical home for your current account is one of the easiest ways to ensure your money is being used in an environmentally friendly or socially responsible way. The ethical bank Triodos, whose customers include the naturalist and broadcaster Chris Packham, tends to top the best-buy tables in this area: it lends only to organisations making a positive impact for people and the planet. This means it says yes to renewable energy and social housing but no to fossil fuels and fast fashion. Triodos offers a current account, though it carries a £3 monthly fee, which may put some people off. It can be operated online and via the app (there are no branches), and comes with a contactless Visa debit card made from recycled plastic. Triodos offers Apple Pay but not yet Google Wallet/Google Pay (it hopes that will come later this year). There are a few other things to know: for example, it doesn’t offer an overdraft, and you can’t pay cash into a Triodos current account. The Co-operative Bank, which calls itself “the original ethical bank” and is known for its customer-led ethical policy, has been taken over by Coventry building society, so could have changes coming down the track. Nationwide building society is another option. It’s a mutual organisation (owned by its members rather than shareholders) and gives 1% of its profits to good causes. It’ll also win points from some for what it calls its branch promise: it says that “everywhere we have a branch, we’ll still be there until at least the start of 2028”. Rupert Jones View Comments |
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