Lloyds Banking Group plc LYG NYSE

Lloyds Banking Group plc (LYG) generated $4.33B in operating cash flow for fiscal year 2025. After capital expenditures of $4.96B, free cash flow was $-625M.

Free cash flow margin was -1% of revenue. Cash conversion ratio was 1.06x, indicating earnings are backed by cash.

The company returned $1.96B in dividends and $1.67B in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (0/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (52/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (45/100) — Cash conversion ratio was 1.06x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 55/100 with 3/7 criteria passed.