Lloyds Banking Group plc (LLD2) — Cash Flow Reinvestment Rate
Lloyds Banking Group plc (LLD2) has a Cash Flow Reinvestment Rate of 2.07x as of December 2025, reinvesting €11.78 Billion (capex €6.32 Billion plus investments €-5.45 Billion) from operating cash flow of €5.70 Billion. See LLD2 FCF generation index to measure how efficiently the company converts operating cash flow to free cash.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Lloyds Banking Group plc Cash Flow Reinvestment Rate (2016–2025)
Historical reinvestment intensity for Lloyds Banking Group plc across 5 annual periods. For the full cash flow conversion analysis, see Lloyds Banking Group plc cash conversion from operations.
Annual Cash Flow Reinvestment Rate for Lloyds Banking Group plc (2016–2025)
Year-by-year capital reinvestment analysis for Lloyds Banking Group plc. See LLD2 financial flexibility score to measure the company's free cash flow as a share of total liabilities.
| Year | Reinvestment Rate | Total Reinvested (EUR) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 2.07x | €11.78 Billion | €5.70 Billion | €6.32 Billion | ▼ -7.9% |
| 2023 | 2.24x | €15.28 Billion | €6.81 Billion | €5.46 Billion | ▲ +94.4% |
| 2022 | 1.15x | €7.08 Billion | €6.13 Billion | €3.85 Billion | ▲ +231.5% |
| 2019 | 0.35x | €3.54 Billion | €10.17 Billion | €3.44 Billion | — |
| 2016 | 0.00x | €0.00 | €6.42 Billion | €0.00 | — |