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Stock Ratings / Financials / LYG / financials
BCS (52) NWG (54) ING (57) IBN (62) ⌘ Pro Terminal β†’

Lloyds Banking Group Plc (LYG) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$5.00 -4.76% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $4.95

Lloyds Banking Group Plc (LYG) carries a Roarable Rating of D (Sell) with 51/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

πŸ“Š Historical Track Record: Scores of 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY) β†’
ROARABLE D β€’ SELL / AVOID Cap $77.81B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LYG Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is LYG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-02, Lloyds Banking Group Plc (NYSE: LYG) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $5.00 (-4.76% 1D, market cap $77.81B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 5/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, LYG ranks #637 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does LYG compare to BCS and NWG in the Financials sector?
β–Ό

Within the Financials sector (Commercial Banks), LYG carries a Roarable D (51/100 RQD), trailing P/E of 32.8x, gross margin of β€”, and ROIC of 9.9%. By comparison, BCS (Barclays PLC) holds a D+ grade (52/100 RQD, P/E 32.8x, ROIC 9.9%, cap $77.69B) and NWG (NatWest Group plc American) posts a D+ grade (54/100 RQD, P/E 32.8x, ROIC 9.9%, cap $67.58B). Among the 5-stock peer group, LYG leads on earnings multiple (32.8x) while LYG leads on capital efficiency (9.9% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LYG?
β–Ό

For Lloyds Banking Group Plc (LYG), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs. and sector rank #637 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity. and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $4.95 (-1.05%)🧬 Cannibal Buyback (-1.24% YoY Shares)βš™οΈ Cash Engine: 12/20 (C-) β€’ 15.8% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY β€’ 49.7% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D
025507510051
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ Β· Rk D
Cash (12)Whales (7)SEC (15)Macro (5)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE-3.2% Base Target
$7 Bull$5 Base$4 Bear
πŸ“¬ FREE LYG RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for LYG)Realized 20D OHLCV Swing Band: Β±4.5%
Deterministic 5-Pillar Attribution (51/100 Composite)
πŸ” WHY LYG SCORES 51/100 (D) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (29% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 8/9

β–² #2 Bullish Driver: Cash Engine Quality+12/20 pts (24% of score)

SEC XBRL Trailing 12 Months: 15.8% FCF Margin ($1.72B FCF) & 52% Gross Margin

β–Ό #1 Drag / Risk Factor: Macro Regime Fit5/20 pts (-15 pt drag)

Macro rate sensitivity & RSI-14 (42) create a -15 pt regime headwind

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
59
Grade C$5.50-1.6% Next Q
Q2 (-2Q)
56
Grade C$5.41-0.2% Next Q
Q3 (-1Q)
54
Grade C-$5.40-7.4% Next Q
Current
51
Grade D$5.00-1.3% Hist 90D Ξ±
Trajectory: C (59) β†’ D (51)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a LYG Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While LYG currently carries a cautious 51/100 (D) rating due to Macro Regime Fit (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Clean SEC annual filing review with no major hidden accounting time-bombs.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($5.65) and Max Pain ($5.25) forces dealer call-delta covering toward $6.66.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.24% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LYGβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œLYG Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 51%NO 49%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ Trailing 12 Months

How LYG Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$1.72B (15.8% FCF Margin)
Revenue$10.89BGross Profit $5.66B (52%)Cost of Sales $5.23BOp Profit $1.51B (13.9%)OpEx (R&D/SG&A) $4.15BNet Profit$1.19B (10.9%)Tax/Other $326.8M
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring LYG)

  • βœ“Walkthrough of LYG's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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LYG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -4.58%πŸ›‘οΈ HOLDING TREND SUPPORT
2026-11-02O $5.50H $5.50L $5.00C $5.00VOL 17.92M
RES: $6.03SUP: $4.92SMA50: $5.65SMA200: $5.62
$6.42$6.02$5.62$5.22$4.82RES $6.03SUP $4.92$5.002026-05-042026-06-172026-08-042026-09-182026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LYG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ LYG Butterfly Map β†’ + Track LYG β†’
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
25.3%/yr Implied 5Y Growth

vs. +23.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on LYG today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for LYG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for LYG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LYG)

Financials Rank #637 of 1096 βš”οΈ BCS vs LYG Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (LYG vs. BCS, NWG, ING, IBN)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Lloyds Banking Group Plc (LYG) ranks #637 by composite RQD confidence (51/100, grade D) and #47 by equity capitalization ($77.81B). Within this direct 5-issuer industry benchmark cohort, LYG leads on earnings valuation at 32.8x trailing P/E, while LYG leads on capital efficiency and profitability with 9.9% ROIC and β€” gross margin. IBN currently holds the highest overall quantitative score in the immediate peer group at 62/100 (C) compared with LYG at 51/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
LYG ACTIVE
Lloyds Banking Group Plc
D 51/100 32.8x β€” 9.9% -4.76% $77.81B Benchmark Subject
BCS
Barclays PLC
D+ 52/100 32.8x β€” 9.9% -3.55% $77.69B /bcs-vs-lyg β†’
NWG
NatWest Group plc American
D+ 54/100 32.8x β€” 9.9% -9.00% $67.58B /nwg-vs-lyg β†’
ING
ING Group N.V.
D+ 57/100 32.8x β€” 9.9% -2.42% $93.57B /ing-vs-lyg β†’
IBN
ICICI Bank Limited
C 62/100 32.8x β€” 9.9% +1.10% $104.29B /ibn-vs-lyg β†’

2. LYG Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Lloyds Banking Group Plc (LYG) operates in Commercial Banks (Financials) with an equity capitalization of $77.81B, trailing P/E of 32.8x, forward P/E of 27.6x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of β€”, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 8/9.

3. LYG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LYG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, Lloyds Banking Group Plc (NYSE: LYG) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $5.00 (-4.76% 1D, market cap $77.81B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 5/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, LYG ranks #637 in composite RQD confidence.

How does LYG compare to BCS and NWG in the Financials sector?

Within the Financials sector (Commercial Banks), LYG carries a Roarable D (51/100 RQD), trailing P/E of 32.8x, gross margin of β€”, and ROIC of 9.9%. By comparison, BCS (Barclays PLC) holds a D+ grade (52/100 RQD, P/E 32.8x, ROIC 9.9%, cap $77.69B) and NWG (NatWest Group plc American) posts a D+ grade (54/100 RQD, P/E 32.8x, ROIC 9.9%, cap $67.58B). Among the 5-stock peer group, LYG leads on earnings multiple (32.8x) while LYG leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for LYG?

For Lloyds Banking Group Plc (LYG), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs. and sector rank #637 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity. and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is LYG trading relative to its 50-day, 200-day, and 52-week technical levels?

LYG last traded at $5.00 (-4.76% on volume of 27,395,254 shares), positioning the stock -11.50% below its 50-day simple moving average ($5.65) and -11.03% below its 200-day simple moving average ($5.62). Across its 52-week range of $4.51 to $6.34, LYG sits at the 26.8% percentile with a 14-day RSI of 42.0 (NEUTRAL RANGE) and an implied next-earnings move of Β±4.5% ($4.77 to $5.23).

LYG Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS β€’ SEC EDGAR Γ— CBOE Γ— FRED

How profitable is Lloyds Banking Group Plc (LYG)?

In Trailing 12 Months, LYG converted $10.9B of revenue into a 52% gross margin, 13.9% operating margin, and $1.7B in free cash flow (15.8% FCF margin).

Direct Sub-Reports: LYG RQD Cockpit LYG 12M Forecast LYG Earnings & Move LYG Dividends & DRIP LYG Insiders & 13F LYG Whale Options LYG Profit Sankey LYG News & Why
ROARABLE RATING BRIEF β€’ RQD 51/100 (D) βœ“ STAGE-C NUMBER FIREWALL VERIFIED

LYG β€” Lloyds Banking Group Plc: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T14:08:23Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, LYG scores 51 out of 100, a letter grade of D, with the verdict label "Roarable Sell β€” Underperform / Distribution Warning." Across the five pillars: Fundamental Cash Engine scores 12/20 (ROIC 9.9%; FCF yield 2.21%); Whale 13F Flow scores 7/20 (institutional accumulation and options positioning); Insider Conviction scores 12/20 (SEC Form 4 and Congressional PTR cluster flow); Macro Regime Fit scores 5/20 (Beta 1.02; sector sensitivity); and Forensic Balance Sheet scores 15/20 (Altman Z 2.5; Piotroski F 8/9; Debt/Equity 0.5). The two weakest pillars, Macro Regime Fit and Whale 13F Flow, are the ones most directly tied to how the market is currently positioned toward the stock. The strongest pillar, Forensic Balance Sheet, indicates a comparatively sound balance sheet on the metrics cited. For a prospective investor, the rating points to a stock whose balance sheet is not the primary concern, but whose valuation, institutional flow, and sector sensitivity weigh against it. Per the market data, the trailing P/E of 32.8 and forward P/E of 27.6 are high relative to the trailing EPS of 0.16, and the free cash flow yield of 2.21% offers limited cushion at the current price. These are educational observations about how the rating's components interact, not a recommendation.

Snapshot

PriceMarket CapP/E (TTM)Forward P/EEV/EBITDAEPS (TTM)Dividend YieldBeta52-Wk RangeROIC %
5.25$77.81B32.827.6210.160%1.02$4.51 - $6.349.9%

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts feed, the headlines are as follows:

  • Market wire (1h ago): A Yahoo! Finance Canada report on LYG market action and institutional positioning, marked yellow.
  • Market wire (3h ago): A CNBC report titled "Banking tax raid fears hit London lenders' shares ahead of crucial budget," marked yellow. This is the most directly risk-relevant item, flagging tax-related pressure on London lenders.
  • Market wire (6h ago): A Yahoo Finance report headlined around Q3 earnings and net income rising while shares traded down pre-bell, marked yellow.
  • Market wire (9h ago): A Globe and Mail item on total voting share capital confirmed on 30 October 2026, marked yellow.
  • Catalyst (12h ago): A MarketBeat report noting significant growth in short interest, marked green.
  • Market wire (15h ago): A Stock Titan report stating that impairment charges rose to Β£930M as pretax profits climbed, marked yellow.

Per the Butterfly Supply-Chain Graph, the supply chain is NONE, with no butterfly links and no proprietary signals. Watch items are the banking tax concern, the rise in impairment charges, and the reported increase in short interest.

Open Questions

  • What are the revenue, net income, and balance sheet figures behind the reported Altman Z-Score, Piotroski F-Score, and Debt/Equity ratio?
  • How large is the potential banking tax change referenced in the CNBC headline, and what share of earnings would it affect?
  • What drove the rise in impairment charges to Β£930M, and is it concentrated in a specific loan category?
  • What is the source and magnitude of the reported increase in short interest, and how does it compare to historical levels?
  • What is the basis for the 0% gross margin and 0% dividend yield figures, and do they reflect reporting conventions for this issuer?

LYG Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Lloyds Banking Group Plc (LYG) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to LYG Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

LYG Bull vs. Bear Conversation Board β€” What's Your Call at $5.00?

πŸ‚ 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON LYG 🐻 50% BEARISH CONVICTION
1. Pick Your Side on LYG:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk βš–οΈ DEBATE HOST 🎯 Target: $5.67 (+8.0%)
πŸ“Œ Pinned Debate

πŸ”₯ Official Bull vs. Bear Debate: Is LYG (D β€’ RQD 51/100) a Buy at $5.25?

Welcome to the LYG (Lloyds Banking Group Plc) Roar Pit. Current RQD Composite is 51/100 (Roarable Sell β€” Underperform / Distribution Warning) in Commercial Banks. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (32.8x trailing P/E). Pick your side (πŸ‚ Bull or 🐻 Bear) and drop your price target below.

MU MultipleCompression Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $4.10 (-21.9%)
Spot @ $5.25

Pump the brakes on LYG β€” check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on LYG, but look at what you are paying: 32.8x trailing P/E with tightening sector spreads. Unless Lloyds Banking Group Plc expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

CA CashFlowKing Verified K Arena Trader πŸ‚ BULLISH 🎯 Target: $6.56 (+25.0%)
Spot @ $5.25

LYG cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on LYG, the market is fixating on short-term headline noise in Commercial Banks and ignoring the balance sheet and cash flow trajectory. At $5.25 (52-wk range $4.51 - $6.34), any beat on forward guidance forces shorts and underweight funds to chase.

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