Lloyds TSB Group plc (ADR) (LYG)

Who hasn't hear of Lloyd's of London? Looks like
a good place to get some exposure in financials. The dividend could tank by two thirds and still be good.

A long term call, as it is a waiting game for world markets to turn. The pound is now equal $1.50, which strengthens thier position on the world economic scale, and with a huge governmental ownership, it a wait and rake scenerio.

Owns 20%+ of UK retail banking share. HBOS addition is a risk, yes, but the sheer street presence gives me comfort that this group will bounce back. And btw, in the UK, people do save, in the form of cash in bank.

market cap > 100mil,
div > 1%
Profit margin > 20%
P/E < 5,
P/Book < 5
P/Sales <10

big and systimatic with market can hold if dax is worth over 5500 i suppose

One of the largest banks in the world. It is working through it aquisition and starting to reduce cost do to it. It not this quarter the next quarter should see this stock turn around.

Long-term play on the finance industry.

Financial stocks carry a P/E ratio of 22.4, and the so-called "recovery" has been especially strong in bank stocks. Therefore, I’m concentrating my shorting interest in the banking sector.

British banks are doing well.

I have a lot of profit with AIB and LYB is better !!!
It deserves a small bet.
Has "pot odds " ( this is for poker players... )

for fun

I'll make the same pitch here as I did for AIB - this is a bottom fishing expedition in the distressed financial sector. I don’t claim to be able to value banks in a rational market and let’s face it – a rational market this is not. However, if you assume the worst is behind us and that the UK government will not allow a failure, then a $2 for one of the UK's leading banks look cheap.

Out perform in the future.

I like financial services right now. Considering the current state and probably unstable future of the market, people are skeptical and looking for more skilled advisors.

Another beaten down financial that is undervalued and has excellent long term earnings potential. It's too big to fail and should provide some nice profit with some patients. Recently upgraded and stock is down today. I'm in with real money.

LLOYDS will overcome HBOS' adverse impact and government will gradually get out of picture..

great dividend stock, lots of potential

Earnings Season Has Arrived. This Is one of the last ''cheap" bank stocks to own that hasn't hit the $20.00 mark. Soon a lot of Investors will start pouring money from the sidelines into the financial industry. Great Dividend (35%)

This is a "Long Term" play. They have the potential to increase 7-8 fold over the next few years because they are viewed as a distressed situation which came about in a similar fashion as BAC. Prior to taking over HBOS (Horrible Bank of Scotland) last year, they were a very profitable, fairly conservative bank; controlling the "Lions Share" of the UK market. The UK Govt. now owns roughly 43% of the common stock, and has an interest in seeing the share value rise so that they are able to sell it in the open market and recover their "investment". It is a bit "murky" as to how much this takeover was encouraged and facilitated by the Govt. (similar to the BAC/ML deal). They will be reporting their "Half Year" earning in early August, and suggest they will show a 13B pound charge, related mostly to the HBOS real estate losses. Even with this charge, they expect to show only about a 6B pound bottom line loss, which indicates that without the HBOS losses, they would have made about 7B pounds. They recently made a payback of about 2.5B pounds to the Govt (I think to buy back most of the part of the "bailout" that was not done by common stock purchases). The situation is further complicated by the fact that the UK is part of the EU, and they are complaining about the belief that the UK Govt is allowing them to have an unfair competitive advantage. The UK Govt is being very "tight lipped" about their role in the HBOS buyout, and is defending the Lloyd's position in the UK. It is "extremely" unlikely that Lloyds will fail, and over time, will get the "foolishly purchased" HBOS "junk" off their books and will return to profitability. If their is "significant" improvement in the UK real estate market, this could happen sooner, rather than later. It will probably trade in its current range for the "intermediate term", and may have a "short term" drop after they report their "half year" results. If so, I would view this as a great buying opportunity. In my case, as I am already invested with "real money", I would use it to lower my carrying cost and increase my "upside potential". A couple of things which could potentially "upset the apple cart", are the UK unions which are complaining about the job cuts at HBOS (shades of the auto industry), the EU regulators, and a change in the British Govt. In my personal opinion ( which is worth exactly what I am charging for it ), it is a great opportunity to make a big long term profit from a situation which will not last forever. It will, however, require patience and the ability not to get "spooked" by rumors and market fluctuations. Get some, set it aside, and think of it as a "surprise prize" a few years down the road.