Kenya's Equity Bank Set to Open UAE Office by Year End
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Your Daily FinanceScope for July 20, 2025
The best things in life are free, but we could all use some extra cash. Let us lead you to the land of green with our daily finance horoscope! Aries Communication is fast. In fact, it's a bit too fast. You'll get asked questions at a rapid-fire pace and you have information at the tip of your tongue. Try to reign yourself in before giving out too many details. Taurus You don't feel like yourself lately. In fact, the entire last year feels like someone else's life. You're not the only one who feels out of character. Finally, it's some consolation to be a bit player. Gemini Things have been frozen in ice for long enough it seems. Suddenly there is a bit of a thaw and some movement. You're not exactly sailing in a warm breeze just yet, but you never will be without some follow through today. Cancer When you had a million things to do every day, you had no problem accomplishing each and every one of them. Now that you have some extra time on your hands, everything just seems too irritating to tackle. Treat each project as if it will bring in your next small fortune. Leo Spend as much time listening as you do talking today. Whether at a party or just shooting the breeze, socializing is the way to learn a uniquely valuable tidbit of information. What do the planets say about your love life? Receive cosmic advice with your Daily Love Horoscope. Virgo Be a craftsman. Bring the same attention to the finer details of your day as you would to any of your work or finance issues. This is especially true for conversations. Whenever there is the chance for miscommunication, be extra careful. Libra One minute you can't be bothered with anything and the next your energy is good. You'll have a hard time if you can't handle feeling dual-natured today. If it's consistency you're looking for, wait until tomorrow. Scorpio Don't bother thinking about other people's money. You never know what is going on behind closed doors or inside wallets. If you're imagining you're the only one of your friends who is suffering, it is just the flip side of misery loving company. Sagittarius No matter how much philosophizing you do, you won't be able to dig yourself out of your deep financial or intellectual hole. You're better off keeping busy rather than stewing. What they say about idle hands goes for idle minds. Capricorn You've discarded all the extra expenses, and that has predictably left you with some time on your hands. You don't want to sit around and think all day -- that would be going overboard -- but an intellectual pursuit would do you good. Aquarius You can put the spark back in your romance without spending a fortune. If money is the gas you've been pouring on your fire, then you're in for a pleasant surprise anyway. Focus on your intellectual connection. Pisces How could you have let something like making money become your entire reason for being? That you're only asking this question now is a bit suspect, but better late than never. Your creative side could use some attention. Get busy. Find your cosmic purpose. Receive personalized astrological guidance with Astrology+. Solve the daily Crossword
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2 hours ago
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Here's what needs to happen for the Lloyds share price to reach £1
2025 has been a fantastic year so far for the Lloyds (LSE:LLOY) share price. The leading British banking stock has seen its valuation climb by almost 40% since the start of the year, reaching its highest point since 2015. But could it continue to climb to £1 for the first time since 2008? Let's explore. Investigating Lloyds' performance There are a variety of factors driving Lloyds shares upward right now. But arguably the most significant is the higher interest rate environment bolstering the bank's lending margins. Lloyds isn't the only financial institution benefiting from this favourable environment, with shares like Barclays and NatWest also surging to impressive heights. With the Bank of England cutting interest rates, this gravy train won't last forever. But looking at the bank's structural hedge portfolio, its elevated profitability could continue for a little while longer even in a falling interest rate environment. That's because these structural hedges effectively allow Lloyds to lock in a fixed interest rate for a prespecified duration through complex floating-to-fixed cash flow conversion derivatives. As more money is flowing to the bottom line, management has been busy executing an enormous £1.7bn share buyback programme as well as hiking dividends. So, with that in mind, it's not surprising to see the Lloyds share price outperform across the first half of the year. But what will it take for shares to climb even higher? The journey to £1 A big driver of the Lloyds share price is its ties to the British economy. As a huge business and mortgage lender, the bank is sensitive to shifts in UK GDP growth. Sadly, for the most part, economic expansion in Britain has been sluggish for most of the last 15 years. And while there was hope of a potential turnaround in 2025, such performance has so far proven to be quite elusive. For Lloyds shares to continue climbing to £1, the economic landscape would likely need to improve. Similarly, some clarity in the regulatory landscape would likely go a long way to boosting investor sentiment. That is, of course, if the Court ruling regarding motor finance reselling goes in Lloyds' favour, or if it doesn't, the fallout doesn't exceed the £1.15bn the bank has set aside to cover claims. These are obviously out of management's control. But the leadership team can still strive to achieve higher margins through improving operational efficiency. The bottom line All things considered, I think the odds of Lloyds reaching a £1 share price again are pretty good in the long term, providing that economic conditions steadily improve over time and no new spanners are thrown into the works. Having said that, this price target is reliant on a combination of positive catalysts that may not materialise in 2025. In other words, it could be several years before this threshold is met – a conclusion that institutional analysts have seemingly also reached, given the average 12-month share price target is currently only 80p. Nevertheless, for long-term investors seeking exposure to the British banking sector, investigating Lloyds further could be worthwhile. The post Here's what needs to happen for the Lloyds share price to reach £1 appeared first on The Motley Fool UK. More reading 5 Stocks For Trying To Build Wealth After 50 One Top Growth Stock from the Motley Fool Zaven Boyrazian has no position in any of the shares mentioned. The Motley Fool UK has recommended Lloyds Banking Group Plc. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Motley Fool UK 2025 Sign in to access your portfolio
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3 hours ago
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Here's what Warren Buffett says will be the ultimate growth industry!
Artificial intelligence (AI) has a lot of investors excited right now, yet billionaire investor Warren Buffett isn't one of them. Despite owning shares in companies such as Apple (NASDAQ:AAPL) and Amazon, none of these investments were made solely based on their AI potential. In fact, Buffett seems to be quite cautious of the technology. Instead, he's warned investors that AI will give rise to an enormous amount of fraud, making scamming the biggest 'growth industry of all time'. Sticking to his principles Despite his hesitant stance, Buffett isn't blind to the benefits of this emerging technology. In the right hands, AI can be a remarkable tool with countless applications in finance, cybersecurity, automation, and work productivity among others. However, with so many businesses claiming to be the next big thing, Buffett and his team are remaining disciplined. They're focusing on the industries they understand the most, zooming in on the businesses with the widest competitive moats. That means rather than chasing speculative AI stocks, he's looking at the established players across the sectors that can leverage AI to improve their existing operations, using the proceeds to run phenomenal capital-return programmes. And right now, Apple seems to fit that bill. Exploring Apple's potential While Buffett's investment vehicle Berkshire Hathaway has trimmed its position in Apple throughout last year, it remains one of its largest holdings, representing 24% of the portfolio. As one of the largest consumer technology companies in the world, Apple produces an enormous amount of free cash flow driven by a loyal customer ecosystem. Since 2013, the company's been busy consistently buying back its own shares, with around $775bn spent over the last 12 years. To put this into perspective, that's enough money to buy the entirety of Visa with another $100bn to spare. And with management approving yet another $100bn in buybacks during 2025, the rewards for shareholders look set to continue, especially if the firm can deliver on its AI ambitions. So far, Apple has lagged when it comes to AI implementation. The rollout of Apple Intelligence has actually been quite slow and riddled with delays, which have seemingly continued into 2025. And the ongoing trade disruptions from newly-announced US tariffs aren't exactly helping matters, which have led to around a quarter of Apple's market-cap being lost in 2025. However, that might soon change. The company has a record number of revamped product launches in the second half of 2025. That includes four new iPhone models, and updates for its AirPods, Apple Watches, iPads, and MacBooks. And with plans to hire another 20,000 people over the next four years to expand its R&D capabilities, the firm might soon be catching up on the AI front, generating even more cash flow over the long run. Perhaps that's why Buffett continues to hold a significant chunk of shares. And it's why I think investors may want to take a closer look at this business. The post Here's what Warren Buffett says will be the ultimate growth industry! appeared first on The Motley Fool UK. More reading 5 Stocks For Trying To Build Wealth After 50 One Top Growth Stock from the Motley Fool Zaven Boyrazian has no position in any of the shares mentioned. The Motley Fool UK has recommended Apple. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Motley Fool UK 2025
