Member Info for longtimeinvestor

HG

''Most of tbe posters on here are being buried with their shares. They wont be selling.''

Another clueless statement - most people who posted on here have already sold out, starting at a price of about 44p upwards. We are now left with some posters who have been long term holders of Lloyds shares and a number of others which includes DCB pretending to be shareholders.

HG

''They were a steal @ under 50p about 6 years ago.''

''The Mrs doesn't even know the share price.''

Another clueless statement - 6 years ago the price was about 57p and at about 40p only 27 months ago

Has been reached today - a record high market capitalisation

HG

''The lloy board need to set visible parameters on any Buy backs ''

Did you not notice - a parameter visible for all to see - £1.75 Billion allocated for investment in Lloyds shares.

OI

''Think the buybacks have done there job well''

For about the 100th time, buybacks always do the job set out, which is to reduce share capital. The amount of reduction in share capital over the years has meant that at the current market cap valuation, the price per share is a great deal higher than it would have been without the programmes.

''what do I know, many years of suffering has now come good.''

Well done, but I don't think there was suffering involved, just opportunities.

''My one regret is not buying when it was 24p had the money but not the boolicks,''

I bought a massive amount at under 24p plus a massive spread bet at the same time - that is why i said opportunities.

HG

''institutions and pension funds looking at the then price and dividend and thinking. Hmmm good yield''

HG

22 Jan 2026 11:45

'' a divi @ 2.8% .....For new buyers.'' - clueless

''It's not an entity not even a Ai programme. Its a living breathing thing''

Buyback programmes are controlled by an algorithm. The BOD put forward their policy on buybacks which shareholders have to agree with.

''If there were no decisions to be made for the benefit of Shareholder's we would not need half the highly paid Execs currently employed.''

What a weird statement to make , stating the obvious - beginning to be a pattern with you .- weird posts

For someone who is only looking for a 10% profit before exiting, you sure are clogging up the board with posts, many of which are not Lloyds related. Purchasing shares in buyback programmes and the amount allocated to them should be of no concern to you after reaching your 10% profit which you are confident of achieving soon. Then I hope another disruptor will melt away.

I pointed out on a number of occasions when the share price was depressed, the projected benefits of the structure hedge in the years to come from that point, BUT the market was still slow to rerate

HG

''External Broker instructed would be heartily stupid to buy blindly every day regardless of market sentiment! Algo rhythms have parameters.''

Market sentiment plays no part for an algorithm, Market sentiment can create changes to the share prices on offer. An algorithm with buy daily provided the price is not over a limit percentage over previous market average prices over a period of time and not above previous market trade prices

I was saying for a long time that up to about 15% total shareholder returns were available when at about 40p, BUT the share price remained subdued until more recently when the market has decided to rerate after many years of undervaluation based on profitability

HG

''On the released figures, the profit, the dividend and the intention to buy back £1.7 billion worth of shares. .That might give them a clue.''

On projected forward dividend yields and massive profits and £2 Billion buyback programmes, the Lloyds share price remained at VERY depressed levels for a VERY long time.

There is NO clue based on these metrics as to what the market will value Lloyds at over a period of time.

Lloyds is close to an all time high market cap

''Lloyds shares climb to highest since 2008''

when will these idiot journalist realise that Lloyds banking group is at all time share price highs, having been formed in 2009

HG

''I would think that the same amount of cash set aside whether variable or not will result in buying back less shares and as the SP is over a pound and expected to stay there on improved results it is blindingly obvious.''

There is nothing 'blindingly obvious' how the market will value Lloyds.

Lloyds were creating great profits when I was buying loads of shares in the 40's and yet the shares remained at very depressed prices for a very long time.

''Third party or not they are under Boardroom guidance''

NO - the buyback programme is controlled on a day to day basis independently of the BOD.

''u buy when it's sensible''

The buyback programme will purchase at whatever the market thinks is fair value on a daily basis, the same as any other investors making purchases at the same level.

A few at over 191.4p

HG

''Same amount of cash as last year . Will obviously buyback a lot less shares this year.''

Lloyds have so far committed an amount equal to last years - they could increase it at half year if they wanted to. 2025 average purchase price was a little over 77p. There is a likelihood that the average price paid this year will be greater but is not 'obvious'

HG

''They chose once again not to pay a "special Divi"

Lloyds currently have a policy of a progressive dividemd and share buybacks

HG

'' set a price structure for blocks buys''

share buyback programmes are in the hands of a third party, with an algorithm used on a daily basis which will buy based on pricing and market restrictions. The market decides the prices available.

''given that buying on that scale will of course boost the share price.''

There is no relationship between share purchases made via buyback programmes and market cap. Shares bought via buyback programmes are no different to the vast majority non buyback programme purchases in the market. The share price at any time will be determined by the valuation the market places on LBG divided by the number of shares in issue. The share price has been increasing after the end of the previous buyback.

Adeg1

''Why would you do a share buyback when the shareprice is nearly double the net assets?''

TANGIBLE assets are currently 57p per share - total equity is at £58 Billion with the market cap at about £62B.

Assets are not the only factor when valuing a business - profitability and future profitability is key,

pre Lloyds banking group, Lloyds had at one point reached a market cap 3 times assets.

''Would have been much better to double the dividend and let the owners choose where to invest thier own money.''

Shareholders have ALREADY chosen - they voted to invest in Lloyds shares via share buybacks.

Ben

'' Was hoping we were going to get a monster buyback around 2.7Billion. Maybe the extra 800 million set aside for the car finance lowered our buyback pot this year??''

The 2025 buyback was reduced re car finance.

Another £1.75 Billion amount has been announced today.

What has also been announced is they are switching to half yearly reviews when it comes to shareholder distributions, which means they could if they wish to do so, add an extra buyback amount at the half year stage

My positions on a non HSBC platform at about 574, that I used when PAY was not available to purchase for a short time on HSBC investdirect.

I will use the excellent percentage profit made to reduce my average share price on those shares held with HSBC