Lloyds Banking Group plc (LLD2) — Financial Flexibility Index
Lloyds Banking Group plc (LLD2) has a Financial Flexibility Index of 0.01x as of December 2025. Free cash flow of €12.02 Billion (operating CF €5.70 Billion minus capex €6.32 Billion) represents 0% of total liabilities (€896.21 Billion). Check Lloyds Banking Group plc investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Lloyds Banking Group plc Financial Flexibility Index (2017–2025)
Historical Financial Flexibility Index trend for Lloyds Banking Group plc across 9 annual periods. For the full cash flow conversion analysis, see LLD2 operating cash flow.
Annual Financial Flexibility Index for Lloyds Banking Group plc (2017–2025)
Year-by-year free cash flow to debt coverage for Lloyds Banking Group plc. Explore LLD2 debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (EUR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | €12.02 Billion | €5.70 Billion | €896.21 Billion | ▲ +839.0% |
| 2024 | 0.00x | €1.23 Billion | €-4.39 Billion | €860.81 Billion | ▼ -90.3% |
| 2023 | 0.01x | €12.27 Billion | €6.81 Billion | €834.09 Billion | ▲ +22.2% |
| 2022 | 0.01x | €9.99 Billion | €6.13 Billion | €830.31 Billion | ▲ +173.9% |
| 2021 | -0.02x | €-13.57 Billion | €-16.80 Billion | €833.37 Billion | ▼ -21.3% |
| 2020 | -0.01x | €-11.04 Billion | €-13.94 Billion | €821.86 Billion | ▼ -177.5% |
| 2019 | 0.02x | €13.62 Billion | €10.17 Billion | €786.09 Billion | ▲ +266.3% |
| 2018 | -0.01x | €-7.79 Billion | €-11.30 Billion | €747.40 Billion | ▲ +49.9% |
| 2017 | -0.02x | €-15.87 Billion | €-19.52 Billion | €762.97 Billion | — |