Since the beginning of 2025Lloyds (LSE: Lowe) was on a tear. We are not yet at half the point of the year but already, the Lloyds share price increased by 40 %.

Can there be more price gains that are still coming – and it may now be the right moment for me to add some Lloyds to ISA?

The banks were better than fear

Lloyds witnessed the high share price this year – but it is not the only bank in this position.

Natest 27 % rose so far this year, Barclays It increased by 27 %, and HSBC 12 %.

I think much of this is due to an increasing feeling of comfort in the market since the beginning of the year. There was a state of great economic uncertainty, but on a large scale, the global economy seems to be better than expected.

This and the possibility of possible interest rate discounts made the dangers of underdevelopment of the loan payment than it was at the beginning of 2025.

However, Lloyds outperformed her peers so far this year when it comes to price growth. To some extent, though, this is just catching a knee. Over one year, Lloyds rose by 37 %, but Natwitist increased by 63 %, while Barclays increased by 61 % and HSBC 28 %.

HSBC’s weaker performance can reflect investor concerns about its great exposure to Asian markets amid ongoing commercial conflicts. No, I will be unhappy as an investor with 28 % profit for one year if you have a class!

Why, though, Lloyds was worse than the main UK competitors during the past year, although he was better recently? One of the explanations could be that the city was concerned about its exposure to the demands of financing the wrong cars.

In the last quarter of last year, the company put at 700 million pounds to settle the potential costs associated with that. It is still unclear about the long -term costs that may end in profits.

I do not tend to buy

Nevertheless, the session’s performance was good. Lloyds share price is now 147 % higher than five years.

Work has a lot you like. It is a pioneering mortgage lender in the UK, with strong brands and a large customer base. It is highly profitable, as it is 1.1 billion pounds of profit after taxes in the first quarter alone.

However, this was 7 % less than in the same quarter of last year. There are a number of risks to me and the possibility of obtaining more car financing sales provisions are only one of them. I am still unclear that the global economy is outside the forest – or anything like it.

The British economy is essential to Lloyd’s performance and the main anxiety is that if weaker, the rates of underdevelopment may increase the payment of loans and hurt profits badly in the bank.

If not, the stock price may lead to the top even from here. The price ratio to the profits does not look from 12 excessive symbols for me.

But unconfirmed economic expectations are a danger that prevents me from buying any bank shares at the present time, including LLOYDS.