Fundies.
English

Lloyds Banking Group plc

ESEF
Report (type unavailable) · filed 2026-02-17

Annual consolidated revenue for 2025: about GBP 19.42B, using the latest reported figures. The previous period, 2024, was about GBP 18B.

Inspect reported changes Compare with another company Historical disclosures Segments
Watchlist

Latest fiscal year

Revenue

19.4 billion GBP

2025 · GBP

Exact inputs and evidence
  • Revenue: 19422000000 GBP Source

Net margin

23.99%

2025 · %

Exact inputs and evidence
  • Net Income: 4659000000 GBP Source
  • Revenue: 19422000000 GBP Source

Operating cash flow

5.7 billion GBP

2025 · GBP

Exact inputs and evidence
  • Operating Cash Flow: 5701000000 GBP Source

Free cash flow

630 million GBP

2025 · GBP

Exact inputs and evidence
  • Operating Cash Flow: 5701000000 GBP Source
  • Capital Expenditure: 5071000000 GBP Source
Cash and cash equivalents
60.6 billion GBP Source
Exact value

60593000000 GBP

Long-term debt including current maturities
Not available
Shares outstanding
Not available

Company performance

Up to ten complete financial years · consolidated figures

Includes later revisions to earlier periods. Annual charts exclude incomplete years.

Latest filing recorded: 2026-02-17.

Financial data available through: 2025-12-31.

Coverage by financial measure
  • Revenue: 7 of 11 periods available· newest 2025-12-31
  • operating income: No compatible figures in this window
  • Net income: 7 of 11 periods available· newest 2025-12-31
  • Operating cash flow: 7 of 11 periods available· newest 2025-12-31
  • Capital expenditure: 7 of 11 periods available· newest 2025-12-31
  • Total assets: 6 of 11 periods available· newest 2025-12-31
  • Total liabilities: 6 of 11 periods available· newest 2025-12-31
  • current assets: No compatible figures in this window
  • current liabilities: No compatible figures in this window
  • Cash and cash equivalents: 7 of 11 periods available· newest 2025-12-31
  • long term debt: No compatible figures in this window
  • shares outstanding: No compatible figures in this window

Coverage describes values retained in this snapshot. Missing values are not zero; loading limits are reported separately.

What changed year over year

Latest complete year compared with the corresponding period one year earlier. These are measured changes; they do not establish their business causes.

  • Revenue

    +7.9%

    Prior period

    GBP 18 billion

    –

    Current period

    GBP 19.42 billion

    –

    Exact inputs and evidence

    19422000000 − 18003000000 = 1419000000 GBP

    18003000000 GBP · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    19422000000 GBP · 2025-01-01 – 2025-12-31

    Inspect current input Current source
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  • Net income

    +5.4%

    Prior period

    GBP 4.42 billion

    –

    Current period

    GBP 4.66 billion

    –

    Exact inputs and evidence

    4659000000 − 4421000000 = 238000000 GBP

    4421000000 GBP · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    4659000000 GBP · 2025-01-01 – 2025-12-31

    Inspect current input Current source
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  • Operating cash flow

    +GBP 10.09 billion

    Prior period

    −GBP 4.39 billion

    –

    Current period

    GBP 5.7 billion

    –

    Exact inputs and evidence

    5701000000 − -4393000000 = 10094000000 GBP

    -4393000000 GBP · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    5701000000 GBP · 2025-01-01 – 2025-12-31

    Inspect current input Current source
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  • Capital expenditure

    +16.2%

    Prior period

    GBP 4.36 billion

    –

    Current period

    GBP 5.07 billion

    –

    Exact inputs and evidence

    5071000000 − 4364000000 = 707000000 GBP

    4364000000 GBP · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    5071000000 GBP · 2025-01-01 – 2025-12-31

    Inspect current input Current source
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Where revenue goes

How a period’s revenue divides into costs and what remains as profit. Items marked Derived are calculated by subtraction from reported figures.

2025 2025-01-01 – 2025-12-31

  • Revenue GBP 19.42 billion 100% of revenue
  • Operating costs Derived Unavailable An input is unavailable.
  • Operating income Unavailable An input is unavailable.
  • Tax, interest and other Derived Unavailable An input is unavailable.
  • Net income GBP 4.66 billion 24% of revenue

Cash

  • Operating cash flow GBP 5.7 billion 29% of revenue
  • Capital expenditure GBP 5.07 billion 26% of revenue
  • Free cash flow Derived GBP 630 million 3.2% of revenue

Share of revenue by period

  • Net income
  • Tax, interest and other
  • Operating costs
  • 2019 Not shown: operating income or net income is not reported.
  • 2020 Not shown: operating income or net income is not reported.
  • 2021 Not shown: operating income or net income is not reported.
  • 2022 Not shown: operating income or net income is not reported.
  • 2023 Not shown: operating income or net income is not reported.
  • 2024 Not shown: operating income or net income is not reported.
  • 2025 Not shown: operating income or net income is not reported.
Values and sources
Revenue breakdown by annual reporting period
PeriodRevenueOperating costsOperating incomeTax, interest and otherNet incomeFree cash flowSource
2019 2019-01-01 – 2019-12-3142356000000 UnavailableUnavailableUnavailable2925000000 7839000000 Derived
Source
2020 2020-01-01 – 2020-12-3129167000000 UnavailableUnavailableUnavailable1318000000 25252000000 Derived
Source
2021 2021-01-01 – 2021-12-3138950000000 UnavailableUnavailableUnavailable5784000000 3530000000 Derived
Source
2022 2022-01-01 – 2022-12-31-5346000000 UnavailableUnavailableUnavailable3827000000 19579000000 Derived
Source
2023 2023-01-01 – 2023-12-3118629000000 UnavailableUnavailableUnavailable5460000000 2849000000 Derived
Source
2024 2024-01-01 – 2024-12-3118003000000 UnavailableUnavailableUnavailable4421000000 -8757000000 Derived
Source
2025 2025-01-01 – 2025-12-3119422000000 UnavailableUnavailableUnavailable4659000000 630000000 Derived
Source

Amounts are exact, in GBP.

Growth

Sales over time and how quickly they are changing.

Revenue

Revenue reported for each complete financial period.

GBP 19.4B 2025
Revenue historyRevenue reported for each complete financial period. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.46.2B32.3B18.5B4.7B-9.2B201920222025
Values and sources
Revenue values and source evidence
PeriodSeriesValue(GBP)Source evidence
2019Revenue42356000000
2020Revenue29167000000
2021Revenue38950000000
2022Revenue-5346000000
2023Revenue18629000000
2024Revenue18003000000
2025Revenue19422000000

Revenue growth

Change in revenue from the same financial period one year earlier.

7.9% 2025
Revenue growth historyChange in revenue from the same financial period one year earlier. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.72%-68%-207%-347%-487%201920222025
Values and sources
Revenue growth values and source evidence
PeriodSeriesValueSource evidence
2019Year over yearNo prior comparable period
2020Year over year-31.1%
2021Year over year33.5%
2022Year over year-113.7%
2023Year over year-448.5%
2024Year over year-3.4%
2025Year over year7.9%

Profit and cash

How much revenue becomes profit, and how much cash operations generate.

Profit margins

Operating income, net income and free cash flow as a share of revenue.

Net margin 24% 2025
Free cash flow margin 3.2% 2025
Profit margins historyOperating income, net income and free cash flow as a share of revenue. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.123%-9%-140%-271%-402%2019-12-312022-12-312025-12-31
  • Operating margin
  • Net margin
  • Free cash flow margin
Values and sources
Profit margins values and source evidence
PeriodSeriesValueSource evidence
2019-12-31Operating marginNot reported
2020-12-31Operating marginNot reported
2021-12-31Operating marginNot reported
2022-12-31Operating marginNot reported
2023-12-31Operating marginNot reported
2024-12-31Operating marginNot reported
2025-12-31Operating marginNot reported
2019Net margin6.9%
2020Net margin4.5%
2021Net margin14.8%
2022Net margin-71.6%
2023Net margin29.3%
2024Net margin24.6%
2025Net margin24%
2019Free cash flow margin18.5%
2020Free cash flow margin86.6%
2021Free cash flow margin9.1%
2022Free cash flow margin-366.2%
2023Free cash flow margin15.3%
2024Free cash flow margin-48.6%
2025Free cash flow margin3.2%

Operating cash flow

Cash generated by the company’s normal business operations.

GBP 5.7B 2025
Operating cash flow historyCash generated by the company’s normal business operations. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.30.8B21.3B11.9B2.4B-7.0B201920222025
Values and sources
Operating cash flow values and source evidence
PeriodSeriesValue(GBP)Source evidence
2019Operating cash flow11281000000
2020Operating cash flow28153000000
2021Operating cash flow6758000000
2022Operating cash flow22011000000
2023Operating cash flow6810000000
2024Operating cash flow-4393000000
2025Operating cash flow5701000000

Free cash flow

Operating cash flow minus capital expenditure for the same period and unit.

GBP 630M 2025
Free cash flow historyOperating cash flow minus capital expenditure for the same period and unit. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.28.0B18.1B8.2B-1.6B-11.5B201920222025
Values and sources
Free cash flow values and source evidence
PeriodSeriesValue(GBP)Source evidence
2019Free cash flow7839000000
2020Free cash flow25252000000
2021Free cash flow3530000000
2022Free cash flow19579000000
2023Free cash flow2849000000
2024Free cash flow-8757000000
2025Free cash flow630000000

Balance sheet

Liabilities and short-term ability to meet obligations at each period end.

Liabilities to assets

Total liabilities as a share of total assets.

94.9% 2025
Liabilities to assets historyTotal liabilities as a share of total assets. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.103%77%51%26%0%2019-12-3120222025
Values and sources
Liabilities to assets values and source evidence
PeriodSeriesValueSource evidence
2019-12-31Liabilities / assetsNot reportedNo source recorded
2020Liabilities / assets94.3%
2021Liabilities / assets94%
2022Liabilities / assets95%
2023Liabilities / assets94.6%
2024Liabilities / assets94.9%
2025Liabilities / assets94.9%

Current assets to current liabilities

Current assets divided by current liabilities.

Not enough comparable data to show this history.
Values and sources
Current assets to current liabilities values and source evidence
PeriodSeriesValueSource evidence
2019-12-31Current assets / current liabilitiesNot reportedNo source recorded
2020-12-31Current assets / current liabilitiesNot reportedNo source recorded
2021-12-31Current assets / current liabilitiesNot reportedNo source recorded
2022-12-31Current assets / current liabilitiesNot reportedNo source recorded
2023-12-31Current assets / current liabilitiesNot reportedNo source recorded
2024-12-31Current assets / current liabilitiesNot reportedNo source recorded
2025-12-31Current assets / current liabilitiesNot reportedNo source recorded

Cash generation

Compare reported profit with operating cash and capital spending. Free cash flow is calculated as operating cash flow minus capital expenditure when both exact, consolidated amounts match the same period and unit.

Cash generation by annual reporting period
PeriodNet incomeOperating cash flowCapital expenditureFree cash flow
2019 2019-01-01 – 2019-12-31
GBP 2.93 billion
Exact value

Exact value: 2925000000 GBP

2019-01-01 – 2019-12-31: 2925000000 GBP Inspect Net Income Open source
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GBP 11.28 billion
Exact value

Exact value: 11281000000 GBP

2019-01-01 – 2019-12-31: 11281000000 GBP Inspect Operating Cash Flow Open source
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GBP 3.44 billion
Exact value

Exact value: 3442000000 GBP

2019-01-01 – 2019-12-31: 3442000000 GBP Inspect Capital Expenditure Open source
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GBP 7.84 billion
Calculation and evidence

11281000000 − 3442000000 GBP

Exact free cash flow: 7839000000 GBP

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2020 2020-01-01 – 2020-12-31
GBP 1.32 billion
Exact value

Exact value: 1318000000 GBP

2020-01-01 – 2020-12-31: 1318000000 GBP Inspect Net Income Open source
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GBP 28.15 billion
Exact value

Exact value: 28153000000 GBP

2020-01-01 – 2020-12-31: 28153000000 GBP Inspect Operating Cash Flow Open source
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GBP 2.9 billion
Exact value

Exact value: 2901000000 GBP

2020-01-01 – 2020-12-31: 2901000000 GBP Inspect Capital Expenditure Open source
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GBP 25.25 billion
Calculation and evidence

28153000000 − 2901000000 GBP

Exact free cash flow: 25252000000 GBP

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2021 2021-01-01 – 2021-12-31
GBP 5.78 billion
Exact value

Exact value: 5784000000 GBP

2021-01-01 – 2021-12-31: 5784000000 GBP Inspect Net Income Open source
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GBP 6.76 billion
Exact value

Exact value: 6758000000 GBP

2021-01-01 – 2021-12-31: 6758000000 GBP Inspect Operating Cash Flow Open source
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GBP 3.23 billion
Exact value

Exact value: 3228000000 GBP

2021-01-01 – 2021-12-31: 3228000000 GBP Inspect Capital Expenditure Open source
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GBP 3.53 billion
Calculation and evidence

6758000000 − 3228000000 GBP

Exact free cash flow: 3530000000 GBP

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2022 2022-01-01 – 2022-12-31
GBP 3.83 billion
Exact value

Exact value: 3827000000 GBP

2022-01-01 – 2022-12-31: 3827000000 GBP Inspect Net Income Open source
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GBP 22.01 billion
Exact value

Exact value: 22011000000 GBP

2022-01-01 – 2022-12-31: 22011000000 GBP Inspect Operating Cash Flow Open source
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GBP 2.43 billion
Exact value

Exact value: 2432000000 GBP

2022-01-01 – 2022-12-31: 2432000000 GBP Inspect Capital Expenditure Open source
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GBP 19.58 billion
Calculation and evidence

22011000000 − 2432000000 GBP

Exact free cash flow: 19579000000 GBP

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2023 2023-01-01 – 2023-12-31
GBP 5.46 billion
Exact value

Exact value: 5460000000 GBP

2023-01-01 – 2023-12-31: 5460000000 GBP Inspect Net Income Open source
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GBP 6.81 billion
Exact value

Exact value: 6810000000 GBP

2023-01-01 – 2023-12-31: 6810000000 GBP Inspect Operating Cash Flow Open source
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GBP 3.96 billion
Exact value

Exact value: 3961000000 GBP

2023-01-01 – 2023-12-31: 3961000000 GBP Inspect Capital Expenditure Open source
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GBP 2.85 billion
Calculation and evidence

6810000000 − 3961000000 GBP

Exact free cash flow: 2849000000 GBP

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2024 2024-01-01 – 2024-12-31
GBP 4.42 billion
Exact value

Exact value: 4421000000 GBP

2024-01-01 – 2024-12-31: 4421000000 GBP Inspect Net Income Open source
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−GBP 4.39 billion
Exact value

Exact value: -4393000000 GBP

2024-01-01 – 2024-12-31: -4393000000 GBP Inspect Operating Cash Flow Open source
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GBP 4.36 billion
Exact value

Exact value: 4364000000 GBP

2024-01-01 – 2024-12-31: 4364000000 GBP Inspect Capital Expenditure Open source
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−GBP 8.76 billion
Calculation and evidence

-4393000000 − 4364000000 GBP

Exact free cash flow: -8757000000 GBP

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2025 2025-01-01 – 2025-12-31
GBP 4.66 billion
Exact value

Exact value: 4659000000 GBP

2025-01-01 – 2025-12-31: 4659000000 GBP Inspect Net Income Open source
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GBP 5.7 billion
Exact value

Exact value: 5701000000 GBP

2025-01-01 – 2025-12-31: 5701000000 GBP Inspect Operating Cash Flow Open source
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GBP 5.07 billion
Exact value

Exact value: 5071000000 GBP

2025-01-01 – 2025-12-31: 5071000000 GBP Inspect Capital Expenditure Open source
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GBP 630 million
Calculation and evidence

5701000000 − 5071000000 GBP

Exact free cash flow: 630000000 GBP

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Capital expenditure uses the canonical mapped positive-spending convention. A missing, ambiguous, incompatible, or negative-sign input is left blank. Values use the latest reported version.

Dataset coverage and company identifiers

Coverage reflects filings processed into this Fundies dataset; it does not imply every source filing is loaded.

5 filings · 563 latest values · 563 originally reported values

Dataset published . Source filing dates and reporting periods are shown separately.

Identifiers: 549300PPXHEU2JF0AM85, esef:549300PPXHEU2JF0AM85