The Lloyds share price keeps falling! Should I buy the stock now?

first_img Image source: Getty Images Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. The Lloyds (LSE: LLOY) share price has been a pretty terrible investment to own over the long run. There have been some periods in the past decade where the stock has put in a positive performance. But over the past 10 years, shares in the company have produced an annual total return of -1.5%. Over the same timeframe, the FTSE 100 has returned 5% per annum, including dividends. Unfortunately, the stock’s performance isn’t any better when we look at the last five years or 12-month periods. The stock has lost around 43% of its value over the past five years. Over the past year, it is off approximately 15%. 5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…These figures suggest the bank has consistently disappointed investors. Nevertheless, past performance should never be used as a guide to future potential. Just because the stock has been a poor investment over the past decade doesn’t mean it’ll be a bad investment over the next 10 years. With that in mind, I’ve been taking a closer look at the Lloyds share price, with the view to adding the stock to my portfolio. Improving outlookLloyds’ problems over the past year have been well documented. As one of the UK’s largest banks, the lender’s fortunes are tied to those of the UK economy.When the economy struggles, Lloyds struggles as well. Last year, the economy posted one of the largest contractions on record. The lender is set to report billions of pounds in losses as a result. This isn’t the only challenge the group faces. Ultra-low interest rates have severely impacted its profit margins. It doesn’t look as if the Bank of England will increase interest rates anytime soon, which suggests this pressure will last for some time. So, those are the challenges the bank currently faces. But what about its opportunities?Lloyds share price opportunities  I believe these are twofold. If the UK economy rebounds over the next 12-24 months, the lender could see a substantial increase in demand for loans and other products, which would be great news for its bottom line.As well as this potential, Lloyds is also trying to diversify. It’s been expanding into wealth management and other products, as well as streamlining its existing bank operation to reduce costs. These initiatives may help it navigate the low-interest-rate environment. I believe these opportunities could help the company return to growth in 2021 and 2022. This may mean the Lloyds share price finally starts to produce a positive return for investors.The corporation has its challenges but, right now, it looks to me as if there’s a lot of negativity already factored into the share price. If the lender can overcome these challenges, I think investor sentiment towards the business could improve dramatically. Of course, this is only a rough guide. There’s no guarantee investor sentiment will improve if the company can return to growth. Nevertheless, despite Lloyds’ poor track record, I’d buy the stock for my portfolio today.  See all posts by Rupert Hargreaves The Lloyds share price keeps falling! Should I buy the stock now? Rupert Hargreaves owns no share mentioned. The Motley Fool UK has recommended Lloyds Banking Group. 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. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement.center_img “This Stock Could Be Like Buying Amazon in 1997” Rupert Hargreaves | Sunday, 7th March, 2021 | More on: LLOY I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. 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