Leeds Building Society

ESEF

Annual consolidated revenue for 2025: about GBP 412.5M, using the latest reported figures. The previous period, 2024, was about GBP 355.6M.

Watchlist

Latest fiscal year

Revenue

413 million GBP

2025 · GBP

Exact inputs and evidence

Operating margin

48.15%

2025 · %

Exact inputs and evidence
  • Operating Income: 198600000 GBP Source
  • Revenue: 412500000 GBP Source

Operating cash flow

-1.26 billion GBP

2025 · GBP

Exact inputs and evidence
  • Operating Cash Flow: -1263100000 GBP Source

Free cash flow

-1.27 billion GBP

2025 · GBP

Exact inputs and evidence
  • Operating Cash Flow: -1263100000 GBP Source
  • Capital Expenditure: 3600000 GBP Source
Cash and cash equivalents
1.53 billion GBP Source
Exact value

1528600000 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: 2026-03-04.

Financial data available through: 2025-12-31.

Coverage by financial measure
  • Revenue: 6 of 11 periods available· newest 2025-12-31
  • Operating income: 6 of 11 periods available· newest 2025-12-31
  • net income: No compatible figures in this window
  • Operating cash flow: 6 of 11 periods available· newest 2025-12-31
  • Capital expenditure: 6 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: 6 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

    +16%

    Prior period

    GBP 355.6 million

    –

    Current period

    GBP 412.5 million

    –

    Exact inputs and evidence

    412500000 − 355600000 = 56900000 GBP

    355600000 GBP · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    412500000 GBP · 2025-01-01 – 2025-12-31

    Inspect current input Current source
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  • Operating cash flow

    -264.7%

    Prior period

    GBP 767 million

    –

    Current period

    −GBP 1.26 billion

    –

    Exact inputs and evidence

    -1263100000 − 767000000 = -2030100000 GBP

    767000000 GBP · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    -1263100000 GBP · 2025-01-01 – 2025-12-31

    Inspect current input Current source
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  • Capital expenditure

    +20%

    Prior period

    GBP 3 million

    –

    Current period

    GBP 3.6 million

    –

    Exact inputs and evidence

    3600000 − 3000000 = 600000 GBP

    3000000 GBP · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    3600000 GBP · 2025-01-01 – 2025-12-31

    Inspect current input Current source
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Comparable inputs unavailable for: Net income.

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 412.5 million 100% of revenue
  • Operating costs Derived GBP 213.9 million 52% of revenue
  • Operating income GBP 198.6 million 48% of revenue
  • Tax, interest and other Derived Unavailable An input is unavailable.
  • Net income Unavailable An input is unavailable.

Cash

  • Operating cash flow −GBP 1.26 billion −306% of revenue
  • Capital expenditure GBP 3.6 million 0.9% of revenue
  • Free cash flow Derived −GBP 1.27 billion −307% of revenue

Share of revenue by period

  • Net income
  • Tax, interest and other
  • Operating costs
  • 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
2020 2020-01-01 – 2020-12-31196800000 116100000 Derived 80700000 UnavailableUnavailable-228200000 Derived
Source
2021 2021-01-01 – 2021-12-31287000000 123300000 Derived 163700000 UnavailableUnavailable632400000 Derived
Source
2022 2022-01-01 – 2022-12-31376700000 156200000 Derived 220500000 UnavailableUnavailable726800000 Derived
Source
2023 2023-01-01 – 2023-12-31357500000 176000000 Derived 181500000 UnavailableUnavailable1166300000 Derived
Source
2024 2024-01-01 – 2024-12-31355600000 218100000 Derived 137500000 UnavailableUnavailable764000000 Derived
Source
2025 2025-01-01 – 2025-12-31412500000 213900000 Derived 198600000 UnavailableUnavailable-1266700000 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 412.5M 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.445.5M334.1M222.8M111.4M0.0202020232025
Values and sources
Revenue values and source evidence
PeriodSeriesValue(GBP)Source evidence
2020Revenue196800000
2021Revenue287000000
2022Revenue376700000
2023Revenue357500000
2024Revenue355600000
2025Revenue412500000

Revenue growth

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

16% 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.50%35%20%6%-9%202020232025
Values and sources
Revenue growth values and source evidence
PeriodSeriesValueSource evidence
2020Year over yearNo prior comparable period
2021Year over year45.8%
2022Year over year31.3%
2023Year over year-5.1%
2024Year over year-0.5%
2025Year over year16%

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.

Operating margin 48.1% 2025
Free cash flow margin -307.1% 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.377%193%10%-174%-358%202020232025
  • Operating margin
  • Net margin
  • Free cash flow margin
Values and sources
Profit margins values and source evidence
PeriodSeriesValueSource evidence
2020Operating margin41%
2021Operating margin57%
2022Operating margin58.5%
2023Operating margin50.8%
2024Operating margin38.7%
2025Operating margin48.1%
2020-12-31Net marginNot reported
2021-12-31Net marginNot reported
2022-12-31Net marginNot reported
2023-12-31Net marginNot reported
2024-12-31Net marginNot reported
2025-12-31Net marginNot reported
2020Free cash flow margin-116%
2021Free cash flow margin220.3%
2022Free cash flow margin192.9%
2023Free cash flow margin326.2%
2024Free cash flow margin214.8%
2025Free cash flow margin-307.1%

Operating cash flow

Cash generated by the company’s normal business operations.

GBP -1.3B 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.1.4B657.6M-47.5M-752.5M-1.5B202020232025
Values and sources
Operating cash flow values and source evidence
PeriodSeriesValue(GBP)Source evidence
2020Operating cash flow-209100000
2021Operating cash flow637900000
2022Operating cash flow730500000
2023Operating cash flow1168200000
2024Operating cash flow767000000
2025Operating cash flow-1263100000

Free cash flow

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

GBP -1.3B 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.1.4B655.4M-50.2M-755.8M-1.5B202020232025
Values and sources
Free cash flow values and source evidence
PeriodSeriesValue(GBP)Source evidence
2020Free cash flow-228200000
2021Free cash flow632400000
2022Free cash flow726800000
2023Free cash flow1166300000
2024Free cash flow764000000
2025Free cash flow-1266700000

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.

94.2% 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.102%77%51%26%0%202020232025
Values and sources
Liabilities to assets values and source evidence
PeriodSeriesValueSource evidence
2020Liabilities / assets94.4%
2021Liabilities / assets94.3%
2022Liabilities / assets94.1%
2023Liabilities / assets94.2%
2024Liabilities / assets94.6%
2025Liabilities / assets94.2%

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
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
2020 2020-01-01 – 2020-12-31
Unavailable Not reported for this period.
−GBP 209.1 million
Exact value

Exact value: -209100000 GBP

2020-01-01 – 2020-12-31: -209100000 GBP Inspect Operating Cash Flow Open source
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GBP 19.1 million
Exact value

Exact value: 19100000 GBP

2020-01-01 – 2020-12-31: 19100000 GBP Inspect Capital Expenditure Open source
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−GBP 228.2 million
Calculation and evidence

-209100000 − 19100000 GBP

Exact free cash flow: -228200000 GBP

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2021 2021-01-01 – 2021-12-31
Unavailable Not reported for this period.
GBP 637.9 million
Exact value

Exact value: 637900000 GBP

2021-01-01 – 2021-12-31: 637900000 GBP Inspect Operating Cash Flow Open source
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GBP 5.5 million
Exact value

Exact value: 5500000 GBP

2021-01-01 – 2021-12-31: 5500000 GBP Inspect Capital Expenditure Open source
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GBP 632.4 million
Calculation and evidence

637900000 − 5500000 GBP

Exact free cash flow: 632400000 GBP

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2022 2022-01-01 – 2022-12-31
Unavailable Not reported for this period.
GBP 730.5 million
Exact value

Exact value: 730500000 GBP

2022-01-01 – 2022-12-31: 730500000 GBP Inspect Operating Cash Flow Open source
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GBP 3.7 million
Exact value

Exact value: 3700000 GBP

2022-01-01 – 2022-12-31: 3700000 GBP Inspect Capital Expenditure Open source
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GBP 726.8 million
Calculation and evidence

730500000 − 3700000 GBP

Exact free cash flow: 726800000 GBP

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2023 2023-01-01 – 2023-12-31
Unavailable Not reported for this period.
GBP 1.17 billion
Exact value

Exact value: 1168200000 GBP

2023-01-01 – 2023-12-31: 1168200000 GBP Inspect Operating Cash Flow Open source
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GBP 1.9 million
Exact value

Exact value: 1900000 GBP

2023-01-01 – 2023-12-31: 1900000 GBP Inspect Capital Expenditure Open source
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GBP 1.17 billion
Calculation and evidence

1168200000 − 1900000 GBP

Exact free cash flow: 1166300000 GBP

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2024 2024-01-01 – 2024-12-31
Unavailable Not reported for this period.
GBP 767 million
Exact value

Exact value: 767000000 GBP

2024-01-01 – 2024-12-31: 767000000 GBP Inspect Operating Cash Flow Open source
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GBP 3 million
Exact value

Exact value: 3000000 GBP

2024-01-01 – 2024-12-31: 3000000 GBP Inspect Capital Expenditure Open source
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GBP 764 million
Calculation and evidence

767000000 − 3000000 GBP

Exact free cash flow: 764000000 GBP

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2025 2025-01-01 – 2025-12-31
Unavailable Not reported for this period.
−GBP 1.26 billion
Exact value

Exact value: -1263100000 GBP

2025-01-01 – 2025-12-31: -1263100000 GBP Inspect Operating Cash Flow Open source
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GBP 3.6 million
Exact value

Exact value: 3600000 GBP

2025-01-01 – 2025-12-31: 3600000 GBP Inspect Capital Expenditure Open source
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−GBP 1.27 billion
Calculation and evidence

-1263100000 − 3600000 GBP

Exact free cash flow: -1266700000 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 · 230 latest values · 230 originally reported values

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

Identifiers: O8VR8MK4M5SM9ZVEFS35, esef:O8VR8MK4M5SM9ZVEFS35