Lloyds (LSE: lloy) Actions have recently achieved really well. Over the past year, they climbed 47 pens to 72 pence – an enhance of 53%.

Looking to the future, actions can still provide positive phrases for investors. However, in the next five years I think that there will be many actions in Great Britain that provide higher phrases.

Strong shoots

Lloyds shares now have several things (so they could still be worth considering).

At the beginning, profits are expected to enhance in the coming years. In 2025 and 2026, city analysts expect a profit for 7.1PI 9.1p, compared to 6.3p for 2024, respectively.

Secondly, the dividend is growing. Recently, Lloyds declared a total dividend of 3.17 pence in 2024 – an enhance of 15% year -on -year. This payment translates into profitability of about 4.4% at the current price of shares. This is higher efficiency than most savings accounts.

Third, the company vacuums its own actions. Recently, the bank has announced the purchase of 1.7 billion pounds (which should facilitate enhance the profit per share).

Finally, the actions are strongly up. And trends can last for a while.

However, despite all the above, I am not convinced that Lloyds can provide vast phrases in the next five years. The main reason for this is that the bank’s fortunes are closely related to the strength of the British economy.

I just don’t see the British economy shoot in the next five years (it can even be quite tender). And I think that the lack of economic growth can stop Lloyds.

It will smoke better potential

One actions in Great Britain, which in my opinion will probably exceed Lloyds in the next five Wise (LSE: Wise). It is a leading financial technology company (fintech), which specializes in international cash transfers.

This company operates all over the world today (over 70 countries around the world), so it does not depend on the economy of Great Britain, such as Lloyds. This is one of the reasons why I see here the potential of better results.

Another reason is that Wise is much more scalable than Lloyds. Lloyds’ growth potential is quite restricted due to the fact that it is a bank focused on Great Britain. However, with wise growth potential is necessary boundless. This is because it is a global company with the possibility of constantly introducing recent products and services for its clients.

Another factor that could potentially facilitate Lloyds in this campaign is a global departure from classic banking services (such as Lloyds offers) towards fintech services, such as electronic payments and mobile payments. Considering this change, Wise can potentially even capture market share from Lloyds (its international payment services are very uncompetitive today).

Now competition from other fintech companies may cause my forecast a lack of a sign. Just like the valuation compression (price factor for the company’s profit (P/E) is currently around 28, which is quite high).

However, taking a five -year view, I am a very optimist as to the prospects of the action. I think it’s worth considering this fintech today.