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LYLYG

Lloyds Banking Group plc

$LYG·$87B·Banks - Regional·Financial Services
$6.02+0.5%YTD+11.5%1Y+42.0%
Mentions · last 7 days
2026-07-19: 13 posts2026-07-20: 4 posts2026-07-21: 9 posts2026-07-22: 6 posts2026-07-23: 17 posts2026-07-24: 18 posts2026-07-25: 13 posts81-62%
Price updated 2d ago·X counts updated 1d ago
LYLYG
$LYGLloyds Banking Group plc
$6.02+0.50%81 posts-62%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $LYG, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersEvent coming upAI verdict · as of 2026-07-25

A known event soon (earnings, a ruling, etc.) will likely decide the next move.

UK bank at 52-week highs into a July 30 print — no X sentiment to fight, just fundamentals and the ratebook.

Lloyds Banking Group is one of the largest UK retail-and-commercial banks — a franchise levered to UK mortgages, cards and net interest income. Up 11% year to date and 42% over 12 months at 86% of its 52-week range with earnings on July 30, the setup is a name where the fundamentals are doing the work with no meaningful X sentiment to interpret.

Why the setup is straightforward-constructive:

  • Revenue growth is solid: last quarter revenue grew 10.4% YoY to $5.18B with high reported operating margin driven by the interest-income bucket — for a mature UK retail bank, mid-teens revenue growth is a very good print, and the 12x trailing P/E is undemanding.
  • The macro backdrop is neutral-to-supportive: UK rates are declining slowly which affects net interest margin, but improving housing-transaction volumes and card spending are offsets — and the Bank of England's guided path is more measured than the ECB or Fed, which supports the earnings run-rate.
  • The dividend and buyback yield support the total-return math: LYG has been running a steady buyback pace plus a growing dividend — that combination on a 12x P/E is exactly the value-with-quality banking profile that mid-teens returns get built from.

The July 30 print is the reconciliation event: a maintained or raised full-year net-interest-income guide plus a stable impairment charge is what continues the trend. Any specific commentary on UK auto-finance-related litigation charges (a recurring UK bank overhang) or a NIM compression signal is what breaks the setup and takes the stock back to $5.50.

What to watch: July 30 fiscal H1 earnings: full-year net-interest-income guide, impairment-charge trajectory, and any UK auto-finance-litigation commentary — a NIM compression signal or a UK auto-finance charge disclosure takes the stock to $5.50.

On the calendar: 2026-07-30 — fiscal H1 2026 earnings

no sentiment data

Read the AI verdict + X sentiment for $LYG

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

UK's largest retail bank operating Lloyds, Halifax, and Bank of Scotland brands across mortgages, savings, and commercial lending.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $LYG.

Banks - Regional · Financial Services

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

What this means for $LYG

Partial — UK's largest retail bank operating Lloyds, Halifax, and Bank of Scotland brands across mortgages, savings, and commercial lending; partial earnings exposure to banks - regional demand dynamics through its product portfolio.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+16.7%YTD
+18.6%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
11.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.1%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
36.7%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
0.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.9Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
10.8%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
99.1%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
2.1Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026Apr 29, 2026$0.13$0.11+18.2%
Q4 2025Jan 29, 2026$0.12$0.11+9.1%
Q3 2025Oct 23, 2025$0.05$0.12-58.3%
Q2 2025Jul 24, 2025$0.14$0.10+40.0%
Next earningsThu, Jul 30·consensus EPS $0.14

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$5.2B+10.4%100%39.1%$0.09—
Q4 FY25$50.7B+110.3%100%3.9%$0.09$0
Q3 FY25$-4.3B-15.2%100%-27.1%$0.04$0
Q2 FY25$13.9B-2.2%100%14.3%$0.08$0

Forward consensus

5-year forecast · up to 5 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$21.0B$19.8B – $22.0B$0.41$0.37 – $0.425
FY27$22.8B$21.5B – $23.6B$0.49$0.44 – $0.515
FY28$24.1B$23.3B – $24.8B$0.56$0.54 – $0.581
FY29$25.4B$24.5B – $26.1B$0.64$0.61 – $0.662
FY30$26.8B$25.9B – $27.5B$0.72$0.68 – $0.742

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.6×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.86%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+6.8%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+13.1%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 14.5B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.1% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.915-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

No material 8-K / SC 13D / S-3 / 424B5 filings in the last 180 days.

+ 182 other (174 6-Ks · 2 25-NSEs · 2 IRANNOTICEs · 1 6-K/A) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

FTSE 100 shares to watch: Lloyds, Barclays, IAG, NatWest, GSK, AstraZenecainvezz.com·3d agoLloyds share price is up 47% in 12 months: why it may soar to 141pinvezz.com·18d agoTop 5 FTSE 100 shares to watch in July: IAG, Lloyds, Rolls-Royce, Sage, NatWestinvezz.com·26d agoLloyds could pay £1.35bn for Aldermore, says RBCproactiveinvestors.co.uk·34d agoLloyds Bank and Shawbrook said to be exploring Aldermore takeoverproactiveinvestors.co.uk·35d ago

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Voices on X · last 7 days

No standout posts about $LYG on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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