Member Info for StickyToffeePudd

Its been a long time coming!

Folks!

88 has been to the 19th hole...

Guys, this is universal!

It is not just confined to investing!

People make decisions based on the latest available information.

As new information becomes available and in light of new facts, required coarse may change.

No rocket science here!

88 here is some information, so you can better understand 'brokers ratings'.

https://www.investopedia.com/financial-edge/0512/understanding-analyst-ratings.aspx

ATB

Positives

- 52-week high of 86.70p in October 2025.

- Target prices Jefferies (103p(, JP Morgan (98p), RBC Capital Markets (95p), the consensus target being 93p.

- Underlying profitability guidance raised for 2025.

- Dividend, increases predicted for 2026 and 2026

- Strategic initiatives, investment in technology, digital transformation, efficiencies will contribute to future growth.

Risks / Challenges

- UK economic sensitivity

- Regulatory concerns

- Interest rate changes

- Increased competition

Conclusion

- Long term investors is an attractive investment due to its strong financial footing, dividend policy and strategic focus on growth, but investors should be mindful of the risks also.

Is any salient information relating to investing in Lloyds missing folks?

TFE 😎 has it at 90.5p!

Lots of headroom there for TFE, before Asperger (135p) will get a chance to claims the 🏆!

Darth, case in point here

https://www.instagram.com/reel/DMJgNx7s6_I/

Meanwhile not forgetting that Lloyds just hit 87.52p!

Question is now if we see 90p before the budget.

I think if we hit that number before the budget, a lot of folks will sell up their Lloyds stocks!

Darth, please note the caveat I stated, "but equally and clearly, the limitations of AL need to be understood."

It is also why I stated that "AI will replace share traders, at least in part", as the essence of a share trader is to interpret real world politics/economics and that would be one step too far for AI .

We've had recommendations from brokers for years on what to buy and there is lots of content online as you indicate, that is AI driven.

I guess my only question to you then is that, as you opening post was AI generated, does that make you a "sheeple"?

Darth, AI is an unstoppable force and is already impacting the world we live in, in multiple ways.

Only the luddites was suggest otherwise, but equally and clearly, the limitations of AL need to be understood.

As is the case with any new technology, it is about knowing how to harvest its potential best.

What I was curious about was however, what ways it might help the private investor?

Darth, you bring up the topic of AI there, as I wonder if AI will replace share traders, at least in part?

Furthermore, what role has it now for private traders like ourselves.

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

Folks!

Dorfan, to answer your question as to why I think there is further upside to lloyds, that is what the analysists tell me.

https://ts2.tech/en/lloyds-share-price-hits-decade-high-despite-2bn-scandal-can-the-50-rally-last/

Dorfan, I was going to continue an hold long term, but the way I am starting to see things is that the stock market may well be in for a correction.

I have already a good capital gain in lloyds and other stocks, so it might be wise to grab my profit, when the going is good...

So remains to be seen if we get through 87p today...

Chips, looks like we are to hit 90p in a matter of weeks.

"The step-change comes after both banks set aside provisions this summer to cover ill-fated loans to broadband clients."

"The retreat of traditional banks will add to the woes of the beleaguered sector, where many operators are battling to stay afloat after fewer customers than expected moved away from incumbents Virgin Media O2 and BT’s Openreach."

"The sector — which boomed in the post-pandemic years when dozens of companies were set up to challenge the traditional operators — has struggled due to the large costs of laying fibre optic lines, in addition to higher interest rates. Enders Analysis estimates the sector has more than £8bn of net debt."

https://www.ft.com/content/f5d66def-6943-480e-bb90-6f5bc714718d

There is no debate that the latest inflation numbers are better than anyone expected.

A lot of folks here are trying to change the narrative and turn good news into bad news.

Bloomers, please quote your sources to back up your claim that inflation will continue to rise.

Martin Beck at the consultancy WPI Strategy "expects CPI inflation to continue falling back towards the 2% target in the first half of next year".

https://www.theguardian.com/business/2025/oct/22/peak-inflation-signs-bank-of-england-interest-rate-cuts-analysis

There we have it then folks, Labour and Rachel are turning the economy around in the right direction. Mind you, borrowing has gone a bit out of control.

"The FTSE 100 titan has pulled no punches in its criticism of the Financial Conduct Authority’s (FCA) redress scheme for the car-misselling scandal, accusing the watchdog of misinterpreting the Supreme Court’s August ruling."

https://www.cityam.com/lloyds-boss-motor-finance-redress-knocks-20-year-profit-off-industry/

Unfortunately, Lloyds bank and hence shareholders will just have to 'take it on the chin', or maybe that should be 'from the pocket'.