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Lincoln National Corporation
LNC: NYSELowest reading is at 12 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Ms. Ellen R. Gail Cooper C.F.A., F.S.A.
Market Cap
7.63 Billion USD
Sector
Financial Services
Website
https://www.lincolnfinancial.comLast Update
15/10/2026, 01:08:34
Description
Lincoln National Corporation, through its subsidiaries, operates multiple insurance and retirement businesses in the United States.
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Strongest readings
- ✔Price-to-earnings of 3.4 is below the market average of 19.6
- ✔Debt is low at 0.57 times equity
- ✔Share count has been falling at 1.16% per year
Weakest readings
- ✘Earnings and cashflow growth is weak (growth score 12 out of 100)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 3.37x | 19.60x | |
Margin of safety (DCF) | N/A | 17.95% | ||
| ✘ | Revenue growth (5y average) | 1.58% | 10.97% | |
| ✔ | Dividend yield (TTM) | 4.42% | 1.85% | |
| ✔ | Share count, per year | -1.16% | 0.00% | |
| ✘ | Return on capital employed | 0.38% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
100 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 3.37x | 19.60x | |
| Free cashflow yield | N/A | 4.70% | ||
| Price / earnings growth | N/A | 1.50x | ||
| Price / book | 0.69x | — | ||
Margin of safety | N/A | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of N/A is below the current price of 39.83 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 77.9 USD ✔
Current Price: 40.6 USD
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
12 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 1.58% | 10.97% | |
| ✘ | Earnings growth | -60.68% | 14.48% | |
| Cashflow growth | N/A | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Revenue growth has improved this year (7.91% against a five year average of 1.58%)
- ✔Earnings growth has improved this year (98.80% against a five year average of -60.68%)
Health
52 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.57x | 0.80x | |
| ✔ | Debt / total capital | 0.36x | 1.00x | |
| Equity / assets | 2.61% | — | ||
| ✔ | Interest coverage | 6.89x | 2.50x | |
| Underwriting loss ratio | 65.45% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
60 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 4.42% | 1.85% | |
| ✔ | Dividend growth | 5.86% | 0.00% | |
| ✔ | Payout ratio (earnings) | 14.58% | 40.00% | |
| Payout ratio (cashflow) | N/A | 65.00% | ||
| ✔ | Worst year, last 5 years | -1.14% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Dividend growth has been accelerating recently
Management
43 / 100Returns on capital are below the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 10.79% | 15.00% | |
| ✘ | Return on capital employed | 0.38% | 10.00% | |
| Return on assets | 0.28% | — | ||
| Free cashflow return on capital | N/A | — | ||
| ✔ | Return on capital, 5y change | 0.55% | 0.00% | |
| ✔ | Share count, per year | -1.16% | 0.00% | |
| ✘ | Share count, recent | 4.80% | 0.00% | |
| ✘ | Realized buyback return | -76.98% | 0.00% | |
| ✘ | Goodwill erosion / equity | 5.81% | 2.00% | |
| Price volatility, 5 year | 44.14% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 100 out of 100
- ✔Dividends were reduced when earnings fell (dividend -0.48% per year, earnings -60.68% per year)
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
LNC
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Lincoln National Corporation
Currency
USD
Beta
1.114
Vol Avg
1977706
Ceo
Ms. Ellen R. Gail Cooper C.F.A., F.S.A.
Cik
0000059558
Cusip
Exchange
NYSE
Full Time Employees
9423
Industry
Insurance - Life
Sector
Financial Services
Ipo Date
Address
150 North Radnor-Chester Road
City
Radnor
State
PA
Country
United States
Zip
19087
Phone
484 583 1400
Analysis Last Updated
15/10/2026, 01:08:34
Financial data compiled from SEC EDGAR filings and Yahoo Finance.