Lloyds share price today (17 November 2025): buyback, new CIB chief and Curve deal shape outlook

Lloyds Banking Group’s share price edged lower on Monday, 17 November 2025, in a busy news session that combined a major share buyback, a new senior appointment, and a £120m fintech acquisition – all against a softer FTSE 100 backdrop.

Lloyds share price today: 17 November 2025 snapshot

On the London Stock Exchange, Lloyds Banking Group (LON: LLOY) closed on Monday, 17 November 2025 at 90.84p, down 0.66p (-0.72%) on the day. That compares with Friday’s close of 91.50p. ^[1]

Key trading stats for the session:

Opening price: 91.46p
Intraday high: 91.94p
Intraday low: 90.58p
Closing price: 90.84p
Volume: around 226m shares, well above Friday’s c.148m. ^[2]

In 52‑week terms, Lloyds remains close to recent highs:

52‑week high: 95.86p (set on 12 November 2025) ^[3]
52‑week low: 52.43p (January 2025) ^[4]

That means the Lloyds share price today sits roughly 5% below its 52‑week peak, but still around two‑thirds higher than at the start of the year. Yahoo Finance data show Lloyds delivering a year‑to‑date total return of about 66% as of 17 November 2025, far ahead of the wider FTSE 100. ^[5]

ADR performance in New York

On the NYSE, Lloyds’ American Depositary Receipts (NYSE: LYG) also eased back. The ADR closed at $4.70, down 2.49% on Monday 17 November 2025, from a previous close of $4.82. Intraday, LYG traded between $4.68 and $4.83, on volume of just over 10.5m shares. ^[6]

Over the last year, the ADR has traded in a 52‑week range of roughly $2.56 to $5.05, underscoring how strong the 2025 rally has been. ^[7]

How Lloyds traded versus the FTSE 100

Monday’s move in the Lloyds share price came against a weaker London market:

The FTSE 100 closed down about 0.2–0.24% at 9,675.4, marking a third straight day of losses. ^[8]
Reuters reported that financial stocks were among the main drags, with the heavyweight banking sector off around 0.8% as investors positioned for a data‑heavy week and key UK inflation numbers. ^[9]

In that context, Lloyds’ 0.72% decline was slightly worse than the index but broadly in line with sector pressure. Volume was elevated, reflecting the combination of corporate news and ongoing buyback activity.

Major Lloyds news on 17 November 2025

Several significant announcements and reports landed on 17 November that help explain why investors were closely watching the Lloyds share price today.

1. £120m Curve deal deepens Lloyds’ fintech push

Lloyds has agreed a £120m share sale and purchase deal to acquire Curve, the UK‑based digital wallet and card aggregation platform, according to payments industry outlet The Paypers. ^[10]

Key points from the Curve story:

Lloyds has signed a share sale and purchase agreement to acquire Curve, in a deal valued at about GBP 120m.
The acquisition aims to bolster Lloyds’ positioning in digital wallets and payments, an area where traditional banks face intense competition from nimble fintechs. ^[11]
The report notes shareholder pushback, highlighting concerns about strategic fit and price, but also underlines the growth potential in embedding Curve’s technology and customer base into Lloyds’ wider offering. ^[12]

For investors, the Curve deal feeds into the long‑term growth narrative: Lloyds is trying to evolve from a UK lending workhorse into a more digital, fee‑driven, platform‑style bank. The acquisition could support that transition – but it also adds integration and execution risk, which some market participants will watch closely.

2. New CIB CEO: John Langley joins from Wells Fargo

On 17 November 2025, Lloyds announced the appointment of John Langley as Chief Executive Officer of Corporate & Institutional Banking (CIB). ^[13]

According to the official Lloyds press release and follow‑up coverage in Financial News: ^[14]

Langley will lead Lloyds’ CIB division, which provides lending, working capital, debt financing and risk management to the bank’s largest corporate clients.
He joins from Wells Fargo, where he served as COO of Corporate & Investment Banking and head of its international business, and previously led the bank’s European corporate and investment banking build‑out. ^[15]
The role is subject to regulatory approval; outgoing CIB CEO John Winter will move into a vice‑chair role in the same division. ^[16]

For the Lloyds share price, this appointment matters because CIB is a capital‑light, fee‑generating business where the bank has ambitions to grow. Bringing in a senior executive with global markets experience could signal a push to expand Lloyds’ capabilities beyond its traditional UK retail and SME footprint.

3. Share buyback: 10.4m shares repurchased and to be cancelled

Lloyds also reported another sizeable day of activity under its ongoing share buyback:

On 17 November 2025, the bank repurchased 10,403,823 ordinary shares from Morgan Stanley & Co. International plc. ^[17]
The volume‑weighted average price paid was 91.1524p per share, with the highest price 91.94p and lowest 90.62p – levels that line up closely with the day’s trading range. ^[18]
The bank intends to cancel the repurchased shares, reducing the number of shares in issue and thereby boosting earnings per share over time. ^[19]

Given Monday’s total volume of roughly 226m shares, the buyback represented around 4–5% of the day’s trading activity – a meaningful technical support for the stock, even if the headline price ended slightly lower by the close. ^[20]

When combined with Lloyds’ cash dividends, the buyback programme contributes to an estimated “shareholder yield” of nearly 9%, according to StockAnalysis data (around 3.6% dividend yield plus roughly 5% buyback yield). ^[21]

4. Branch closures keep cost‑cutting in focus

Away from the capital markets headlines, Lloyds continues to reshape its physical branch network:

A Yahoo News report highlighted that Lloyds will close its last branch in Pontardawe this week (Thursday 20 November), one of 15 closures scheduled this month. ^[22]
This follows earlier updates that Lloyds plans to shut a further 49 branches across the UK, part of a multi‑year programme responding to declining in‑branch usage and the shift to digital banking. ^[23]

While branch closures can support efficiency and the Lloyds share price over the medium term by reducing costs, they also invite political and regulatory scrutiny around local access to cash and banking services – especially in smaller towns where Lloyds may be the last high‑street presence.

5. Market commentary: has Lloyds run too far?

Investor commentary around the Lloyds share price today is split between those who see more upside and those who worry the rally has gone too far:

A recent Yahoo Finance analysis asked whether Lloyds has “run too far” after a 66% gain in 2025, noting that the stock now trades on a price‑earnings multiple of around 15–16x, above some estimates of its “fair” valuation multiple. ^[24]
The Motley Fool UK wrote on 17 November about whether it might be time to take profits as the Lloyds share price nears £1, highlighting both the strong performance and lingering macro and regulatory risks. ^[25]
A separate Motley Fool piece earlier this month listed Lloyds among popular FTSE 100 “best‑sellers” that one author still prefers to avoid, citing cyclical exposure and uncertainty around future loan losses. ^[26]

On the more upbeat side:

AI‑driven stock‑picking platform Danelfin currently gives Lloyds’ ADR (LYG) an AI score of 9/10 (“Buy”), estimating a probability of roughly 63% that the stock will outperform the market over the next three months, higher than the average stock. ^[27]
A DirectorsTalk Interviews summary of analyst data last week pointed to a “Strong Buy” consensus with implied upside of around 4% from recent levels and highlighted a dividend yield near 3.7% backed by a payout ratio of about 58%. ^[28]

In other words, sentiment is mixed: valuation concerns are starting to surface after a stellar run, but many analysts still see Lloyds as a solid income and buyback story.

Valuation check: is the Lloyds share price today expensive?

Using Monday’s close around 91p, several data providers show Lloyds trading on mid‑teens earnings multiples with a respectable dividend stream:

P/E ratio: about 14.5x based on Hargreaves Lansdown’s real‑time snapshot for LLOY as of the 17 November close. ^[29]
Dividend yield: around 3.5–3.7%, depending on the source and whether you look at trailing or forward dividends. ^[30]
Shareholder yield: c. 8–9% once buybacks are included (around 3.6% dividend plus 5.0% buyback yield). ^[31]

For some investors, that combination of mid‑teens P/E and high total yield still looks attractive, especially if UK interest rates fall in 2026 and credit quality remains benign. Others argue that Lloyds is now pricing in a fair chunk of good news, leaving less margin of safety if the economy disappoints or regulation bites harder.

Key risks still on the radar

Even as the Lloyds share price today reflects optimism about growth and capital returns, a few risk factors remain front of mind:

Motor finance probe
In October, Lloyds warned it might need to take a “material provision” related to a UK motor finance investigation, as regulators continue to scrutinise historic commission and lending practices. ^[32]
The size and timing of any additional provision remains uncertain and could affect earnings and capital distributions.
UK economic outlook
Monday’s FTSE 100 weakness came as markets focused on upcoming UK inflation data, the Bank of England’s next decision and the government’s budget plans. ^[33]
A sharper‑than‑expected slowdown, or renewed pressure on UK consumers, could weigh on Lloyds’ loan growth and impairments.
Regulatory and political pressure
Branch closures, fintech acquisitions and AI‑driven cost‑cutting could invite continued scrutiny from MPs and regulators, particularly around financial inclusion and competition.

Will the Lloyds share price break £1?

With the Lloyds share price today hovering just under 91p and having recently set a new 52‑week high near 96p, the psychological £1 level is firmly in sight. ^[34]

Whether the stock pushes through that barrier in the near term will likely depend on:

Macro data this week (UK inflation, US jobs, global risk sentiment) and how they affect bank valuations more broadly. ^[35]
Market reaction to the Curve acquisition, once more details on integration plans and financial impact emerge. ^[36]
Ongoing confidence in Lloyds’ capital return story – that is, the sustainability of dividends and buybacks in the face of regulatory and credit risks. ^[37]

For now, Monday’s modest drop looks less like a decisive change in trend and more like a pause after a strong rally, as investors digest a busy slate of announcements.

What investors should take away from 17 November 2025

Putting it all together, the key messages from today’s Lloyds share price action are:

Price action: LLOY closed down 0.72% at 90.84p, underperforming a 0.2–0.24% drop in the FTSE 100, but with heavy volume and significant buyback support. ^[38]
Strategic moves: The bank is doubling down on digital growth (Curve acquisition) and corporate banking (John Langley appointment), aiming to diversify earnings beyond UK retail lending. ^[39]
Capital returns: Lloyds continues to retire shares aggressively, complementing a mid‑single‑digit dividend yield and contributing to one of the higher total shareholder yields in the FTSE 100. ^[40]
Risks: Motor finance provisions, UK macro uncertainty and branch‑closure politics remain the main potential headwinds.

As always, anyone considering investing in Lloyds shares or the LYG ADR should treat this as information, not personal financial advice, and weigh the bank’s strong 2025 rally and capital returns against the economic and regulatory risks still in play.

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