Lloyds Banking Group plc (ETR:LLD)

Lloyds Banking Group Cash Flow Statement

Financials in millions GBP. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	6,661	5,971	7,503	4,782	6,902
Depreciation & Amortization	6,431	5,990	5,622	-244	-1,265
Changes in Other Operating Activities	-7,391	-16,354	-6,315	17,473	1,121
Operating Cash Flow	5,701	-4,393	6,810	22,011	6,758
Operating Cash Flow Growth	-	-	-69.06%	225.70%	-76.00%
Net Change in Securities and Investments	-5,453	-3,456	-5,013	3,188	-697
Payments for Business Acquisitions	27	-179	-380	-409	-57
Capital Expenditures	-5,071	-4,364	-5,455	-3,855	-3,228
Purchases of Intangible Assets	-1,252	-1,259	-	-	-
Sale of Property, Plant & Equipment	1,560	1,505	1,027	1,550	1,437
Proceeds from Sale of Intangible Assets	-	62	-	-	-
Other Investing Activities	-	-	-	36	-
Investing Cash Flow	-10,189	-7,691	-9,821	510	-2,545
Long-Term Debt Issued	1,757	812	1,417	838	499
Long-Term Debt Repaid	-1,928	-819	-1,745	-2,216	-1,056
Net Long-Term Debt Issued (Repaid)	-171	-7	-328	-1,378	-557
Issuance of Common Stock	99	187	86	31	25
Repurchase of Common Stock	-1,710	-2,011	-1,993	-2,013	-
Net Common Stock Issued (Repurchased)	-1,611	-1,824	-1,907	-1,982	25
Common Dividends Paid	-2,000	-1,828	-1,651	-1,475	-877
Other Financing Activities	-1,575	-2,272	386	-1,778	-1,825
Financing Cash Flow	-5,357	-5,931	-3,500	-6,613	-3,234
Effect of Exchange Rate Changes on Cash and Cash Equivalents	-378	-7	-480	727	70
Net Cash Flow	-10,223	-18,022	-6,991	16,635	1,049
Free Cash Flow	630	-8,757	1,355	18,156	3,530
Free Cash Flow Growth	-	-	-92.54%	414.33%	-86.02%
FCF Margin	1.14%	-29.94%	2.94%	496.20%	4.50%
Free Cash Flow Per Share	0.04	-0.56	0.08	1.04	0.20
Levered Free Cash Flow	2,751	-10,258	-958	15,919	1,956
Unlevered Free Cash Flow	-6,031	-14,728	-6,148	13,374	-3,372

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.