Member Info for longtimeinvestor

Cz

''Testing highs''

only the price per share, not the market cap valuation

It is clear to say that the buyback policy has been of great benefit for those for who it was intended - shareholders retaining shares for the long term. There were so many people on here that were not happy with the decision of the Lloyds board to implement buybacks. Without them there would now be about 77.28 Billion shares in issue.

Getting more and more expensive - getting to a new all time market cap high may be the point at which a buyback policy would need to be reconsidered taking account into the future profitability projections. The average 2022 prices of 44.4p and 45.6p in 2023 were great - wish it could have continued.

Https://joshbersin.com/2025/10/bbc-finds-that-45-of-ai-queries-produce-erroneous-answers/

DCB

''I find I am using AI more and more, every day.''

oh dear - foolish to accept Google AI results as fact on everything - I have found the info wrong in many cases

Car

''Any other company would have rightfully gone bust in 2008.''

?? - there were alternatives to raising capital other than via the Government of the day (as per Barclays bank) who had their own input into the situation whereby Lloyds then needed cash. Tax payers made a profit.

DCB

''I have already a good capital gain in lloyds and other stocks''

NO you have not

67s

''I bought some in the referendum dip in 2016 @ 49p. Inflation has totalled 38% in the years after, so in todays money thats 67.6p.''

Investing in shares is supposed to be a good hedge against inflation rather than keeping cash. Anything above inflation therefore is a bonus.

You would in that time have received 22.5p in dividends which could have been reinvested for further returns, with another about 2.44p to come in May. So your total returns - dividends alone more than covers inflation (without any reinvestment) plus the current 75 % capital gain, absolutely smashes inflation, so it is a bit unappreciative when you say ''Not really making my fortune is it? ''

Of course buying a load at below 24p as I did in 2020 (and a massive SB at same time) plus a number of purchases near the 40p mark in 2022/23 then the returns have been fantastic

67s

''I bought some in the referendum dip in 2016 @ 49p. Inflation has totalled 38% in the years after, so in todays money thats 67.6p.''

Investing in shares is supposed to be a good hedge against inflation rather than keeping cash. Anything above inflation therefore is a bonus.

You would in that time have received 22.5p in dividends which could have been reinvested for further returns, with another about 2.44p to come in May. So your total returns - dividends alone more than covers inflation (without any reinvestment) plus the current 75 % capital gain, absolutely smashes inflation, so it is a bit unappreciative when you say ''Not really making my fortune is it? ''

Of course buying a load at below 24p as I did in 2020 (and a massive SB at same time) plus a number of purchases near the 40p mark in 2022/23 then the returns have been fantastic

Gew

''You of all people know that, having made 20 times your initial investment''

I am afraid DCB (deadcatbounce) - now STP (his about 130th id.) - is mentally ill.

He must think that his fabrications are hilarious, especially when making posts to mirror my posts here from the past and on other boards.

He is not an investor in any shares apart from possibly a small BIRG holding as a comfort because of his Irish Gypsy background.

Gew

''You of all people know that, having made 20 times your initial investment''

I am afraid DCB (deadcatbounce) - now STP (his about 130th id.) - is mentally ill.

He must think that his fabrications are hilarious, especially when making posts to mirror my posts here from the past and on other boards.

He is not an investor in any shares apart from possibly a small BIRG holding as a comfort because of his Irish Gypsy background.

I am effectively being given about 647p per share for the loss of the number of shares as a result of the 'special'/return of capital

and share consolidation, so I won't be interested with the possibility in recouping the lost number of shares with a purchase until under 647p

I am effectively being given about 647p per share for the loss of the number of shares as a result of the 'special'/return of capital

and share consolidation, so I won't be interested with the possibility in recouping the lost number of shares with a purchase until under 647p

It wasn't that long ago that investors had many months to purchase Lloyds to secure future double digit dividend yields - many

chose not to do so.

NC

''Mind yield a miserly 3.37''

??

anyone purchasing now should in the next 12 receive a yield of about 4.5% by wat of dividends plus a further return by way of any buybacks that may take place.

Geo

The price per Lloyds share is less than £1, but Lloyds is not a 'penny stock'

https://www.redmayne.co.uk/RedmayneBentley/media/Redmayne-Bentley/Forms%20and%20Brochures/Fact-Sheet_-Penny-Shares.pdf?ext=.pdf

https://www.fool.co.uk/investing-basics/types-of-stocks/investing-in-penny-stocks-in-the-uk/

Many many years ago HSBC used to do a share split every year to keep the share price at about the 20p level

Dubs

''It's a high price now.''

is it? - it was getting towards £4 per share in 2013

NC

''Point is, is that likely to continue''

How likely is it that the Lloyds market cap valuation can get back to a 2015 level when Lloyds was not in as good a shape as it is now? - it would currently require about another 25p per share increase to do so.

Lloyds car scam 'scam' exposure as a percentage of the total of all lenders under previous non rule breaking schemes is a known factor. The payout should be Zero but the FCA as a way to justify their own existence has deemed otherwise by initiating unneeded actions. Provisions made by Lloyds are a known factor.

NC

''The yield is no better than many bank accounts or bonds now, so why would anyone wish to buy in at these levels or above at this 'moment' in time''

For the same reason why people buy any share no matter how much a business is returning to shareholders out of profits.

In the coming years Lloyds returns on tangible equity will be something like a 15-17% range which will support further increased total returns to shareholders.

Brixton had your sentiment 2 to 3 years ago - he has received about 4% per year interest being in cash - unfortunately he has missed out on growing shareholder returns and large capital gains.

I gave a reason to purchase Lloyds near the 40p level about a 100 times and at the same time saying I did not care how low the price per share went on maintained fundamentals - much better for share buybacks for cancellation and I was not in any hurry to see continued capital gains.