Lloyds Banking Group LLOY

equity

Price History

1995-12 · DCA start£2.15

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

1995-122026-08 · -81.1%

Worst drawdown: −96%, peaking Mar 1999 and bottoming Nov 2011 — still unrecovered after 302 months.

DCA Backtest

Start month

Monthly amount (GBP)

Invested: £33,900
Value today: £47,099
Return: +38.9%
Months invested: 339

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be £53,594 today, so the real (inflation-adjusted) return is -12.1%.

Lump sum instead — £33,900 all at once in Dec 1995: £18,103 (-46.6%) — DCA came out ahead.

Worst timing — same monthly amount started at the all-time high (Mar 1999): £45,902 on £30,300 invested (+51.5%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

	J	F	M	A	M	J	J	A	S	O	N	D
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026

Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 1995-12: +38.9%

About Lloyds Banking Group

Lloyds Banking Group plc is a British financial institution formed through the acquisition of HBOS by Lloyds TSB in 2009. It is one of the UK's largest financial services organisations, with 30 million customers and 65,000 employees. Lloyds Bank was founded in 1765 but the wider Group's heritage extends over 320 years, dating back to the founding of the Bank of Scotland by the Parliament of Scotland in 1695. (Wikipedia)

It's a listed company categorised under financials.

It rates Medium-High Risk at 2.3/5, meaning real but ordinary risk — the kind most mainstream assets carry, with some factors scoring poorly.

What pushes the score up: governance (4.0/5) and sector / regulatory (4.0/5).

Scoring well: leverage / financial at 1.0/5.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Medium-High Risk(2.3/5)100% rated

How these ratings work

Market / Volatility3.0/5 · weight 20%

Annualised volatility (3yr)2/523.9
Max drawdown from ATH5/595.9
Beta vs S&P 5002/50.54

Liquidity1.0/5 · weight 15%

Avg daily $ volume1/5143.5m
Float % of shares outstandingnot yet researched

Leverage / Financial1.0/5 · weight 20%

Debt / equity1/52.0
Interest coverage (EBIT / interest)not yet researched

Earnings Quality2.0/5 · weight 15%

3yr EPS volatility2/515.8

Concentration2.0/5 · weight 10%

Largest customer, % of revenuenot yet researched
Geographic revenue concentration2/5majority stable region

Governance4.0/5 · weight 10%

Board independence %not yet researched
Share structurenot yet researched
Litigation / audit history4/5material pending or restatement

Sector / Regulatory4.0/5 · weight 10%

Sector regulatory exposure4/5high

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.