Lloyds Banking Group plc (LYG)

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	4,556	5,636	6,066	4,039	6,106
Depreciation & Amortization	3,477	3,426	2,905	2,396	2,825
Provision for Credit Losses	-304	-589	-802	741	-2,315
Stock-Based Compensation	-	-	-	-	182
Other Adjustments	33,101	32,874	29,980	12,693	5,371
Changes in Trading Assets	-20,059	-13,954	-20,734	18,515	-9,433
Changes in Trading Liabilities	-5,044	4,143	3,032	1,133	-8,867
Changes in Accounts Payable	57,420	30,164	-9,527	19,008	12,619
Changes in Accrued Expenses	18,430	12,899	14,959	-17,179	6,156
Changes in Other Operating Activities	-61,319	-65,290	2,514	14,955	-11,297
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	-3,961	-2,432	-3,228
Purchases of Intangible Assets	-1,252	-1,259	-1,494	-1,423	-
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	117	179	87	131	54
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
Issuance of Preferred Stock	1,504	757	1,772	745	-
Repurchase of Preferred Stock	-1,759	-1,824	-135	-1,395	-
Net Preferred Stock Issued (Repurchased)	-255	-1,067	1,637	-650	-
Common Dividends Paid	-2,000	-1,828	-1,651	-1,475	-877
Preferred Share Dividends Paid	-463	-498	-527	-438	-429
Other Financing Activities	15,732	17,133	10,376	2,630	-1,396
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	2,849	19,579	3,530
Free Cash Flow Growth	-	-	-85.45%	454.65%	-86.02%
FCF Margin	3.19%	-47.10%	14.66%	-321.65%	8.55%
Free Cash Flow Per Share	0.04	-0.56	0.17	1.12	0.20
Levered Free Cash Flow	-8,141	-29,060	-6,207	38,407	-6,427
Unlevered Free Cash Flow	-12,166	-32,976	-10,812	36,396	-11,225

Updated Jan 29, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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