Lloyds Banking Group plc (LYG)
NYSE: LYG · Real-Time Price · USD
6.28
+0.09 (1.45%)
At close: Aug 7, 2026, 4:00 PM EDT
6.31
+0.03 (0.48%)
After-hours: Aug 7, 2026, 7:54 PM EDT
Lloyds Banking Group Cash Flow Statement
Financials in millions GBP. Fiscal year is January - December.
Millions GBP. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 5,880 | 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 | 6,459 | 3,258 | 3,153 | 3,519 | -3,381 | 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 | 74,792 | 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 | -71,105 | -61,319 | -65,290 | 2,514 | 14,955 | -11,297 |
Operating Cash Flow | 16,026 | 5,701 | -4,393 | 6,810 | 22,011 | 6,758 |
Operating Cash Flow Growth | 167.90% | - | - | -69.06% | 225.70% | -76.00% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Securities and Investments | -7,007 | -5,453 | -3,456 | -5,013 | 3,188 | -697 |
Cash Acquisitions | 30 | 27 | -179 | -380 | -409 | -57 |
Capital Expenditures | -5,484 | -5,071 | -4,364 | -3,961 | -2,432 | -3,228 |
Purchases of Intangible Assets | -1,520 | -1,252 | -1,259 | -1,494 | -1,423 | - |
Sale of Property, Plant & Equipment | 1,777 | 1,560 | 1,505 | 1,027 | 1,550 | 1,437 |
Proceeds from Sale of Intangible Assets | -2 | - | 62 | - | - | - |
Other Investing Activities | - | 117 | 179 | 87 | 131 | 54 |
Investing Cash Flow | -12,206 | -10,189 | -7,691 | -9,821 | 510 | -2,545 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | 503 | 1,757 | 812 | 1,417 | 838 | 499 |
Long-Term Debt Repaid | -2,145 | -1,928 | -819 | -1,745 | -2,216 | -1,056 |
Net Long-Term Debt Issued (Repaid) | -1,642 | -171 | -7 | -328 | -1,378 | -557 |
Issuance of Common Stock | 81 | 99 | 187 | 86 | 31 | 25 |
Repurchase of Common Stock | -2,151 | -1,710 | -2,011 | -1,993 | -2,013 | - |
Net Common Stock Issued (Repurchased) | -2,070 | -1,611 | -1,824 | -1,907 | -1,982 | 25 |
Issuance of Preferred Stock | 755 | 1,504 | 757 | 1,772 | 745 | - |
Repurchase of Preferred Stock | -1,496 | -1,759 | -1,824 | -135 | -1,395 | - |
Net Preferred Stock Issued (Repurchased) | -741 | -255 | -1,067 | 1,637 | -650 | - |
Common Dividends Paid | -2,149 | -2,000 | -1,828 | -1,651 | -1,475 | -877 |
Preferred Share Dividends Paid | -447 | -463 | -498 | -527 | -438 | -429 |
Other Financing Activities | -849 | -857 | -707 | -724 | -690 | -1,396 |
Financing Cash Flow | -7,898 | -5,357 | -5,931 | -3,500 | -6,613 | -3,234 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Foreign Exchange Rate Adjustments | 365 | -378 | -7 | -480 | 727 | 70 |
Net Cash Flow | -3,713 | -10,223 | -18,022 | -6,991 | 16,635 | 1,049 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 10,542 | 630 | -8,757 | 2,849 | 19,579 | 3,530 |
Free Cash Flow Growth | 523.79% | - | - | -85.45% | 454.65% | -86.02% |
FCF Margin | 53.53% | 3.38% | -49.84% | 15.55% | -285.08% | 9.06% |
Free Cash Flow Per Share | 0.71 | 0.04 | -0.56 | 0.17 | 1.12 | 0.20 |