Lloyds Banking Group plc (LYG) Financial Statements

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Lloyds Banking Group financial statements at a glance

Lloyds Banking Group reported revenue of 20.03 billion GBP for fiscal year 2025 (ended December 31, 2025), up 7.7% from fiscal year 2024. Net income was 4.20 billion GBP, a net margin of 21.0%, and diluted earnings per share were 0.28 GBP.

At the end of fiscal year 2025 it had total assets of 944.07 billion GBP, total liabilities of 896.21 billion GBP and shareholders' equity of 47.67 billion GBP, with cash of 56.66 billion GBP and total debt of 95.15 billion GBP.

Its operations brought in 5.70 billion GBP of cash; capital spending was 6.32 billion GBP, leaving free cash flow of -622.00 million GBP.

The tables below show the income statement, balance sheet and cash flow statement; the key figures of the last 5 fiscal years are at the bottom of the page.

Figures from company filings, in GBP; latest fiscal year ended December 31, 2025.

LYG logo

Lloyds Banking Group plc

LYGUnited Kingdom
Financial Services
GBP (Local)

Income Statement

Annual • GBP

Total Revenue
20.03B
Prev Year: 18.60B
YoY: +7.7%
Net Interest Income
13.23B
Prev Year: 12.28B
YoY: +7.8%
Interest Income
30.75B
Prev Year: 31.29B
YoY: -1.7%
Interest Expense
17.52B
Prev Year: 19.01B
YoY: -7.8%
Rent and Landing Fees
493.00M
Operating Revenue
20.03B
Special Income Charges
-392.00M
Prev Year: -417.00M
YoY: +6.0%
Income from Associates and Other Participating Interests
-
Restructuring and Mergers Acquisition
380.00M
Prev Year: 367.00M
YoY: +3.5%
Write-offs
2.00M
Prev Year: -9.00M
YoY: +122.2%
Pre-tax Income
6.66B
Prev Year: 5.97B
YoY: +11.6%
Provision for Income Taxes
1.90B
Prev Year: 1.49B
YoY: +27.4%
Other Non-operating Income (expense)
-
Net Income Common Stockholders
4.20B
Prev Year: 3.92B
YoY: +7.0%
Net Income
4.66B
Prev Year: 4.42B
YoY: +5.4%
Net Income Including Non-Controlling Interests
4.76B
Prev Year: 4.48B
YoY: +6.3%
Net Income from Continuing Operations
4.76B
Prev Year: 4.48B
YoY: +6.3%
Noncontrolling Interests
-98.00M
Prev Year: -56.00M
YoY: -75.0%
Diluted NI Available to Com Stockholders
4.20B
Prev Year: 3.92B
YoY: +7.0%
Basic EPS
0.28
Prev Year: 0.25
YoY: +12.0%
Diluted EPS
0.276
Prev Year: 0.25
YoY: +10.4%
Weighted Average Shares (basic)
14.95B
Prev Year: 15.60B
YoY: -4.2%
Weighted Average Shares (diluted)
15.13B
Prev Year: 15.77B
YoY: -4.1%
Net Income from Continuing and Discontinued Operation
4.66B
Prev Year: 4.42B
YoY: +5.4%
Normalized Income
4.90B
Prev Year: 4.68B
YoY: +4.6%
Reconciled Depreciation
3.48B
Prev Year: 3.43B
YoY: +1.5%
Net Income from Continuing Operation Net Minority Interest
4.66B
Prev Year: 4.42B
YoY: +5.4%
Total Unusual Items Excluding Goodwill
-337.00M
Prev Year: -350.00M
YoY: +3.7%
Total Unusual Items
-337.00M
Prev Year: -350.00M
YoY: +3.7%
Tax Rate for Calcs
0.286
Prev Year: 0
YoY: +95181.0%
Tax Effect of Unusual Items
-96.33M
Prev Year: -87.57M
YoY: -10.0%
Otherunder Preferred Stock Dividend
463.00M
Other Special Charges
10.00M
Prev Year: 59.00M
YoY: -83.1%
Gain on Sale of Securities
464.00M
Operating Expense
12.18B
Other Operating Expenses
3.84B
Depreciation and amortization
3.48B
Amortization
1.38B
Depreciation
2.10B
Values in GBP

Lloyds Banking Group key figures by fiscal year

FY2025FY2024FY2023FY2022FY2021
Revenue20.0B GBP18.6B GBP19.2B GBP16.1B GBP16.3B GBP
Net income4.2B GBP3.9B GBP4.9B GBP3.4B GBP5.4B GBP
Diluted EPS0.28 GBP0.25 GBP0.30 GBP0.29 GBP0.30 GBP
Total assets944.1B GBP906.7B GBP881.5B GBP873.4B GBP886.5B GBP
Total liabilities896.2B GBP860.8B GBP834.1B GBP829.5B GBP833.4B GBP
Shareholders' equity47.7B GBP45.7B GBP47.2B GBP43.7B GBP52.9B GBP
Cash56.7B GBP62.7B GBP78.1B GBP92.0B GBP76.6B GBP
Total debt95.1B GBP88.5B GBP93.7B GBP91.8B GBP91.8B GBP
Operating cash flow5.7B GBP-4.4B GBP6.8B GBP22.0B GBP6.8B GBP
Capital spending6.3B GBP5.6B GBP5.5B GBP3.9B GBP3.2B GBP
Free cash flow-622.0M GBP-10.0B GBP1.4B GBP18.2B GBP3.5B GBP

In GBP. Fiscal years as reported by the company; statements on this page go back to fiscal year 2014.

Questions and answers

What was Lloyds Banking Group's revenue in fiscal year 2025?

20.03 billion GBP, up 7.7% from 18.60 billion GBP in fiscal year 2024.

How much profit does Lloyds Banking Group make?

Lloyds Banking Group reported net income of 4.20 billion GBP for fiscal year 2025 (21.0% of revenue).

How much cash and debt does Lloyds Banking Group have?

At the end of fiscal year 2025: cash of 56.66 billion GBP and total debt of 95.15 billion GBP.

What is Lloyds Banking Group's free cash flow?

-622.00 million GBP in fiscal year 2025 (operating cash flow of 5.70 billion GBP minus capital spending of 6.32 billion GBP).

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Disclaimer: This analysis is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Data may be incomplete, delayed, or contain inaccuracies. Consult with a qualified financial advisor before making any investment decisions.
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