LYFT // Lyft Inc.

DES <GO> NASDAQ CIK 0001759509 ↗

Consumer Discretionary • Business Services

$16.41 ▲ +0.07 (+0.43%)

MKT CAP: $6.21B • VOL: 6.33M

52W L $12 52W H $26

ALTMAN Z

0.45 RISK

PIOTROSKI

7 / 9

LYFT // ROARABLE RATING & 5-PILLAR RQD CONFIDENCE 02:00 EST DETERMINISTIC ENGINE

PRIOR: RQD 56/100 [D+] (-1 PT) • UNCHANGED AS OF 2026-11-01

ROARABLE D+

RQD CONFIDENCE

55 / 100 -1D

5 X 20-PT QUANT PILLARS

E 0 D 35 C 59 B 70 A 86+

Roarable Sell — Weak Fundamentals / Trim

01 MASSIVE / SEC XBRL

Forensic Fundamentals

[LOCKED] FLAGGED

UNLOCK BELOW TO REVEAL

02 OPRA GEX + SEC 13F

Whale & Options Flow

10 / 20

NEUTRAL

NET GEX +0% • CALL SWEEP 52% • P/C 0.72

03 SEC FORM 4 (90D)

Insider Conviction

[LOCKED] FLAGGED

UNLOCK BELOW TO REVEAL

04 FRED 90D r-MATRIX

Macro Regime Fit

17 / 20

STRONG

TAILWIND • r(10Y)=+0.00 (+23bp) • r(OAS)=+0.00

05 10-K REDLINE AUDIT

Forensic 10-K Risk

16 / 20

STRONG

20 BASE - 4 DEDUCT • 0 CRIT / 0 MED • STABLE

ALERT

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SIG <GO> CROSS-FEED TRIANGULATION // PROPRIETARY ANOMALY ENGINE (1 ACTIVE ON LYFT)

STAGE 2 DETERMINISTIC Z-SCORE + STAGE 3 GEEK DESK BRIEF ALL MARKET ANOMALIES <SIG>

▼ BEARISH // F-RATED EARNINGS MIRAGE // ACCRUAL WATCHSIFTER 02 // ACCRUAL & RECEIVABLES FORENSICS

SEVERITY: 90/100 Z-SCORE: +3.05σ

LYFT Accounting Gap: Net Income (+220%) Outpaced OCF (+37.5%) With +-28.3% Working-Capital Build

CASH CONVERSION GAP

+182.5% (NI vs OCF)

RECEIVABLES / WC BLOAT

-28.3% VS REV

60D C-SUITE FORM 4 SALES

0 OPEN-MKT DUMPS

[GEEK DESK FORENSIC NOTE // SEC XBRL × FORM 4 CROSS-CHECK]

SEC EDGAR XBRL CompanyFacts10-K/10-Q Working Capital ScheduleSEC Form 4 Executive Sales

SEC EDGAR XBRL triangulation on Lyft Inc. (LYFT) exposes a +182.5% Cash Conversion Gap as YoY Net Income growth (+220.0%) diverged from Operating Cash Flow growth (+37.5%). Non-cash current assets and receivables expanded -28.3% relative to top-line revenue growth. Monitor upcoming 10-Q cash realization closely for accrual mean-reversion.

LYFT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.20%📐 WEDGE COMPRESSION COIL

2026-10-30O $16.33H $16.36L $15.84C $16.16VOL 8.11M

RES: $17.46SUP: $14.94SMA50: $16.21SMA200: $15.11

LYFT // INSTITUTIONAL BULL VS. BEAR FORENSIC DEBATE

UNDERWEIGHT CONVICTION: 40/100

BEAR 0

100 BULL

Lyft Inc. (LYFT) exhibits 37.3% gross margins and -4.7% return on invested capital within Consumer Discretionary (Business Services), balanced against a 4.5x enterprise multiple and 6.8% implied options volatility.

▲ INSTITUTIONAL BULL THESIS (LONG)

01. Operating Leverage & Capital Efficiency Moat

Sustained 37.3% gross profitability converts into -3.2% operating margin and -4.7% ROIC, outpacing sector cost of capital.

ROIC: -4.7% // GM: 37.3%

02. Top-Line Expansion & Cash Conversion

YoY revenue trajectory of +9.9% paired with 14.54% free cash flow yield supports self-funded R&D and capital return.

REV YOY: +9.9% // FCF YLD: 14.54%

03. Balance Sheet Solvency & Forensic Quality

Altman Z-Score of 0.45 and Piotroski F-Score of 7/9 indicate low near-term refinancing stress.

ALTMAN Z: 0.45 // F-SCORE: 7/9

▼ INSTITUTIONAL BEAR THESIS (SHORT / RISK)

01. Multiple Compression & Duration Sensitivity

Trading at 4.5x trailing P/E (4.2x Fwd P/E) leaves valuation vulnerable if real 10Y TIPS yields spike.

P/E: 4.5x // EV/EBITDA: —

02. Options Skew & Event Volatility Risk

Options market prices a ±6.8% implied move with a 0.72 put/call ratio around $16.00 max pain.

IMPL MOVE: ±6.8% // P/C: 0.72

03. Competitive Margin & CapEx Cycle Pressure

Elevated industry capital intensity and customer concentration in Business Services require continuous execution to defend 48.2% net margins.

NET MARGIN: 48.2% // D/E: 0.31x

KEY CATALYST // Upcoming 10-Q/10-K XBRL margin progression, guidance revision vs 4.2x forward consensus, and institutional 13F positioning.

MACRO REGIME // Monitor US 10Y Real Yields (DFII10) and High-Yield Credit Spreads (OAS) for beta-adjusted multiple impact (Beta 0.97).

FORM 4 & 13F FLOW OPEN OWN <GO>

FILER	SIDE	$ VALUE
INSPECT FULL OWNERSHIP LEDGER IN OWN <GO>

UNUSUAL OPTIONS TAPE OPEN OPT <GO>

STRIKE / EXP	TYPE	PREMIUM
INSPECT GEX & CHAIN IN OPT <GO>

KEY VALUATION & PROFITABILITY RATIOS XBRL FA <GO>

TRAILING P/E 4.5x

FORWARD P/E 4.2x

EV / EBITDA —

FCF YIELD 14.54%

GROSS MARGIN 37.3%

OPERATING MARGIN -3.2%

NET MARGIN 48.2%

ROIC % -4.7%

REV GROWTH YOY +9.9%

DILUTED EPS TTM $7.51

DEBT / EQUITY 0.31x

DIVIDEND YIELD 0.00%

RSI-14 MOMENTUM 47.0

5Y EQUITY BETA 0.97

FRED MACRO SENSITIVITY (PEARSON r) ECST <GO>

MACRO CORRELATION CALIBRATION ACTIVE BELOW.

FRED MACRO REGIME STRESS-TEST SIMULATOR // LYFTPEARSON R VARIANCE ENGINE

01 // SELECT FEDERAL RESERVE & CREDIT SHOCK SCENARIO

02 // POSITION NOTIONAL EXPOSURE

HEADLINE STRESS SCORE

75/100SEVERE DRAWDOWN PRESSURE

PRIMARY FACTOR EXPOSURE

DFII10 // -0.61 r

Latest: 2.08%

EST. DIRECTIONAL MOVE

-8.50%

Implied Px: $15.02

EST. DOLLAR VARIANCE

-$4,248

On $50,000 Notional

[LOCKED // MULTI-FACTOR DRAWDOWN HEDGE & MACRO TRIGGER ALERT]

Unblur the exact $50,000 delta-adjusted ETF/options hedge ratio for LYFT & activate live FRED threshold breach alerts.

HEAD-TO-HEAD PEER COMPARISONS COMP <GO>

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