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Model output · Signal date 2026-10-16

Lloyds Banking Group Plc (LYG) Stock Forecast Oct. 16, 2026

Analysis updated on Oct. 16, 2026 (UTC) · Alpha · vs marketSwitch to Total · NYSE

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Rating · 90D ▼ Bearish Exact rating locked
90-day forecast Sign up free to reveal
30-day forecast Alpha
Rank in coverage Bottom 35% of 5172 stocks scored
Rank correlation · 90D 20.0% Spearman, 357 dates
Market Cap $81.48B large-cap · #11 of 20 peers
Summary

Lloyds Banking Group Plc (LYG) stock forecast summary

Our AI ranks Lloyds Banking Group Plc outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.

Lloyds Banking Group Plc is a large-cap company with a market capitalization of $81.48B. It ranks number 11 by market capitalization among the 20 Commercial Banks, NEC issuers in our coverage with a current forecast.

For LYG, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 20.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 17.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report

Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +1.8%, buy ≥ +0.2%, sell < -0.9%, strong sell < -1.2% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-16 signals)

A free account shows the exact forecast, rating and rank of 3 tickers you follow, LYG included.

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Price

LYG price chart and AI forecast

LYG
Cross-section · 2026-10-16

How LYG ranks among 5172 stocks

90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).

Fundamentals · 2025-12-31

Lloyds Banking Group Plc (LYG) fundamentals

Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Commercial Banks, NEC peers listed below that report each metric. Statement values were filed in GBP and are shown converted to USD (flows at the trailing twelve-month average rate, balances at the balance-sheet date rate).

Valuation & Market

MetricLYGIndustry medianRank
Market Cap $81.48B $89.28B 11/20
P/E Ratio 20.74x 11.35x 3/15
EPS $0.26 – –
Revenue/Share $7.28 – –
FCF/Share $-0.77 – –

Profitability & Margins

MetricLYGIndustry medianRank
EBT Margin 23.7% 33.9% 10/14
Tax Rate 26.9% – –

Financial Health

MetricLYGIndustry medianRank
D/E Ratio 18.80x 14.46x 3/17
Financial Leverage 19.81x 15.47x 3/17

Cash Flow

MetricLYGIndustry medianRank
Operating Cash Flow $7.83B $2.45B 7/20
Free Cash Flow -$11.31B $66M 8/11
Capital Spending -$19.13B -$1.11B 10/11
OCF Growth YoY -89.4% -59.2% 12/16
FCF/Sales -10.4% 3.7% 5/7
CapEx/Sales 17.7% 1.1% 1/7

Operational Efficiency

MetricLYGIndustry medianRank
Asset Turnover 0.09x 0.05x 3/13

Income Statement

MetricLYGIndustry medianRank
Total Revenue $108.31B $45.85B 3/13

Dividend & Shareholder Information

MetricLYGIndustry medianRank
Shares Outstanding 14869M – –
EPS Growth -9.1% 22.1% 13/15

Balance Sheet Highlights (USD millions, converted from GBP)

Cash & Short-term Investments$81.65B
Total Liabilities$1.21T
Quarterly Financial Reports

LYG quarterly financials and insider trading

Industry Peers · Commercial Banks, NEC

Lloyds Banking Group Plc (LYG) industry peers

Companies classified under the same SEC industry code as Lloyds Banking Group Plc (Commercial Banks, NEC): 23 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.

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Company 90-Day AI Forecast (Alpha) Market Cap P/E Ratio P/B Ratio
LYG Lloyds Banking Group Plc ▼ $81.48B 20.7x –
RY Royal Bank Of Canada ▼ $277.04B 11.1x –
MUFG Mitsubishi Ufj Financial Group Inc ▶ $259.67B 25.2x 2.1x
TD Toronto Dominion Bank ▼ $203.40B 7.6x –
SAN Banco Santander, S.A. ▼ $195.37B 4.8x –
SMFG Sumitomo Mitsui Financial Group, Inc. ▼ $160.23B 2.8x –
BBVA Banco Bilbao Vizcaya Argentaria, S.A. ▼ $146.83B – –
HDB Hdfc Bank Ltd ▼ $121.50B – 281.9x
BMO Bank Of Montreal /Can/ ▼ $118.44B 11.4x –
CM Canadian Imperial Bank Of Commerce /Can/ ▼ $104.22B 9.8x –
ING Ing Groep Nv ▼ $97.09B 4.2x –
BCS Barclays Plc ▼ $77.53B 14.5x –
NWG Natwest Group Plc ▼ $70.31B 7.6x –
BSBR Banco Santander (Brasil) S.A. ▼ $20.90B – –
BSAC Banco Santander Chile ▼ $15.40B 1804.3x –
GGAL Grupo Financiero Galicia Sa ▼ $6.02B – –
NTB Bank Of N.T. Butterfield & Son Ltd ▼ $2.34B 12.3x 2.1x
ESQ Esquire Financial Holdings, Inc. ▶ $1.44B 19.7x 4.6x
PGC Peapack Gladstone Financial Corp ▶ $769M 17.3x 1.1x
VBNK Versabank ▶ $710M – –
AVAL Grupo Aval Acciones Y Valores S.A. ▶ N/A – –
DJP Barclays Bank Plc ▼ N/A – –
WBKCY Westpac Banking Corp ▼ N/A – –

Where LYG sits on the market map

Finance · Commercial Banks, NEC
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News

Lloyds Banking Group Plc (LYG) stock news

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FAQ

Lloyds Banking Group Plc (LYG) stock forecast FAQ

What is the Lloyds Banking Group Plc (LYG) stock forecast?

Our AI ranks Lloyds Banking Group Plc outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.

How accurate are Lloyds Banking Group Plc stock predictions?

For LYG, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 20.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 17.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report

How often are Lloyds Banking Group Plc forecasts updated?

Lloyds Banking Group Plc forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 16, 2026.

Which companies are Lloyds Banking Group Plc's industry peers?

23 issuers in our coverage, LYG included, share the SEC industry code Commercial Banks, NEC. The largest are: Royal Bank Of Canada (RY), Mitsubishi Ufj Financial Group Inc (MUFG), Toronto Dominion Bank (TD), Banco Santander, S.A. (SAN), Sumitomo Mitsui Financial Group, Inc. (SMFG), Banco Bilbao Vizcaya Argentaria, S.A. (BBVA).

This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.