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Lincoln National Corporation LNC

Financial — Insurance Life
Dividend Champion (5y) Insider Buys (last 12m)
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
0.09
Total sells
3.69
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — 1 — — — 1 — — — — — —
Sell — — 1 — 1 2 — — 2 — 2 —
Insider Ownership
1.74%

Capital & Financial Ratios

Market Cap
8,100.00
Revenue
19,325.00
Net Income
2,360.00
Free Cash Flow
(1,328.00)
Net Debt
(3,300.00)
Current Ratio
0.20
Debt/Equity
0.60
P/E ratio
3.57
P/S ratio
0.42
P/B ratio
0.79
Past 5Y EPS Growth
33.25%
This Y EPS Growth
(3.32%)
Next Y EPS Growth
9.85%
Next 5Y EPS Growth
5.58%
in millions of $

Dividends

Payout Ratio
0.25
Annual Dividend Rate
1.80
Annual Dividend Yield
6.82%
total individual payouts
2028 ‡‡‡‡‡
2027 ‡‡‡‡‡
2026 1.80
—
—
—
—
2025 1.80
—
—
—
—
2024 1.80
—
—
—
—
2023 2.25
—
—
—
—
—
2022 1.80
—
—
—
—
2021 1.68
—
—
—
—
2020 1.60
—
—
—
—
2019 1.48
—
—
—
—
2018 1.32
—
—
—
—
2017 1.16
—
—
—
—
2016 1.25
—
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 3,365.00 5,801.00 9,502.00 10,165.00
Receivables 29,843.00 28,750.00 28,012.00 27,225.00
Inventory — — — —
Other — — — —
33,208.00 34,551.00 37,514.00 37,390.00
2023 2024 2025 Q'26
Payables 168,706.00 176,024.00 186,276.00 190,919.00
ST’ Debt 250.00 300.00 400.00 400.00
Other — — — —
168,956.00 176,324.00 186,676.00 191,319.00
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡ ‡‡‡ ‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 5,306.00 4,542.00 — —
—
’25 4,691.00 4,044.00 4,555.00 4,922.00
18,212.00
’24 4,116.00 5,153.00 4,111.00 5,062.00
18,442.00
’23 3,814.00 2,929.00 4,203.00 699.00
11,645.00
’22 4,720.00 5,577.00 4,672.00 3,841.00
18,810.00
’21 4,534.00 4,851.00 5,241.00 3,089.00
17,715.00
’20 4,425.00 3,517.00 5,361.00 4,136.00
17,439.00
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 138.00 (558.00) — —
—
’25 (272.00) 1,013.00 (1,141.00) 233.00
(167.00)
’24 (1,343.00) (859.00) (27.00) 222.00
(2,007.00)
’23 (774.00) 522.00 46.00 (1,868.00)
(2,074.00)
’22 476.00 1,889.00 650.00 594.00
3,609.00
’21 (642.00) 411.00 339.00 (325.00)
(217.00)
’20 455.00 516.00 (630.00) 193.00
534.00
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 138.00 (558.00) — —
—
’25 (272.00) 1,013.00 (1,141.00) 233.00
(167.00)
’24 (1,343.00) (859.00) (27.00) 222.00
(2,007.00)
’23 (774.00) 522.00 46.00 (1,868.00)
(2,074.00)
’22 476.00 1,889.00 650.00 594.00
3,609.00
’21 (642.00) 411.00 339.00 (325.00)
(217.00)
’20 455.00 516.00 (630.00) 193.00
534.00
in millions of $

EPS

Mar Jun Sep Dec Year
’26 (1.10) 6.72 — —
—
’25 (4.41) 3.80 2.12 3.80
5.83
’24 6.93 5.11 (3.29) 9.63
18.41
’23 (5.37) 2.94 4.79 (7.35)
(4.92)
’22 0.58 1.34 (15.17) 0.01
(13.10)
’21 1.16 3.34 1.68 1.20
7.43
’20 0.15 (0.49) 2.01 0.74
2.56

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2.5
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 28.61 18.50 25.10 27.58 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 76.40 36.50 36.98 46.71 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11,316 11,024 9,783 9,423 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.66 1.06 1.89 1.93 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 18,810.00 11,645.00 18,442.00 18,212.00 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.05% (7.02%) 23.63% 8.59% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,725.00 (1,148.00) 4,022.00 1,338.00 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.17% (9.86%) 21.81% 7.35% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,358.00 (752.00) 3,275.00 1,177.00 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (42.00) (38.00) — — — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 109.98 68.68 108.10 99.70 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ (13.02) (4.92) 18.66 5.94 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 21.10 (12.23) (11.76) (0.91) — — —
Cash Flow/Sh
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ 0.00 0.00 0.00 0.00 ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 21.10 (12.23) (11.76) (0.91) — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 29.83 40.65 48.47 59.70 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 171.04 169.56 170.60 182.67 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 0.00 0.00 1.70 8.08 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.28 0.40 0.29 0.45 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.28 0.78 0.74 0.82 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.45 0.62 0.31 0.27 ‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.32 (3.48) (2.87) (29.33) — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,609.00 (2,074.00) (2,007.00) (167.00) ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
— — — — — — — — — — — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,609.00 (2,074.00) (2,007.00) (167.00) — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (137,177.00) (135,748.00) (141,773.00) (149,162.00) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6,455.00 5,949.00 6,156.00 6,266.00 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,112.00 2,584.00 355.00 (3,236.00) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5,102.00 6,893.00 8,269.00 10,906.00 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ 0.38% (0.24%) 0.83% 0.27% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 15.28% (5.39%) 31.58% 12.75% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.92% (16.64%) 48.28% 12.63% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Lincoln National Corporation (LNC) is roaring back from a brutal 2022-2023 downturn, with 2024 delivering a stunning 58% revenue surge to $18.4 billion, EBT exploding 450% to $4 billion, and ROE hitting a jaw-dropping 48.3%—dwarfing historical norms. After a 38% revenue plunge in 2023 tied to rate hikes and investment losses, the life insurance giant has stabilized its balance sheet, boosting book value per share 62% to $48.47 while deleveraging to a near-net-cash position. Stock price has climbed 63% above 2023 lows, yet trades at fire-sale valuations: PE of 1.70, PS of 0.29, and PB of 0.74—6% below average analyst targets and a tantalizing 42% shy of the high end.

Projections fuel the fire: revenue growing 5-9% annually through 2027 to $20.8 billion, EPS compounding at 9%+ to $8.30, and margins expanding on fixed annuities and retirement tailwinds amid aging demographics. Restructuring—exiting drags like group benefits—positions LNC for disruption in a $1 trillion market, with AI underwriting and digital shifts as hidden accelerators. While insider selling tempers enthusiasm and rate cuts pose risks (hedged by product mix), the asymmetry screams opportunity: a reinvention play trading at a 14% book discount.

Dive into the full analysis for the charts, correlations, and contrarian risks that make LNC’s liftoff primed—don’t miss this undervalued powerhouse’s next leg up.

Read full commentary →

Lincoln National Corporation (LNC) Latest News

News by impact score

Fine-tune

16 Sep

4 www.marketbeat.com, 2:30 PM
Jackson posts record quarter, strengthening the bull case for Lincoln National Corporation (LNC) outlook and performance. Record quarterly results at Jackson directly support stronger future trajectory and investor sentiment for LNC.

14 Sep

3 , 2:43 PM
Lincoln National Corporation evaluates ways to convert greater capital flexibility into sustained growth across its insurance and financial services operations. Greater capital flexibility offers moderate support for Lincoln National's strategic initiatives and financial performance without guaranteeing major trajectory shifts.

6 Sep

3 , 12:18 AM
Lincoln National (LNC) stock trades below fair value with strong returns expected. Positive valuation view may lift short-term investor sentiment without major operational shifts.

19 Aug

3 , 10:38 AM
Lincoln National Corporation faces three identified risks that position it as a risky investment, leading to a recommendation of an alternative stock instead. Negative risk assessment for Lincoln National Corporation can influence short-term investor sentiment and market performance.

11 Aug

3 , 1:02 PM
Lincoln National Corporation restarts share buybacks after nearly four-year pause. Buyback resumption signals capital strength and may lift share price without altering core business trajectory.

10 Aug

3 , 7:00 AM
Lincoln National Corporation’s Board of Directors declared a quarterly cash dividend and announced plans to resume share repurchases in the third quarter of 2026. Dividend declaration combined with planned 2026 share repurchases signals capital return to shareholders and may support stock price stability.

3 Aug

3 , 10:36 AM
Lincoln National Corporation's Q2 earnings beat estimates on higher investment gains and lower costs. Q2 earnings beat from investment gains and cost cuts moderately lifts financial performance without major strategic change.

31 Jul

4 , 5:10 AM
Lincoln National (LNC) shares rose 12.7% after the company beat earnings expectations and completed a major reinsurance transaction covering its legacy block. Earnings beat plus a large-scale legacy reinsurance deal materially improves Lincoln National's risk profile and financial outlook.

3 www.marketbeat.com, 8:03 AM
Lincoln National Corporation presented Q2 earnings highlights during its earnings call. Q2 earnings updates can moderately shift investor views on financial performance.

30 Jul

4 transcript , 3:04 PM
Lincoln National Corp (LNC) reported eighth consecutive quarter of positive results in its Q2 2026 earnings call. Consecutive quarterly earnings gains signal sustained operational strength likely to lift investor views and stock trajectory.

3 , 11:30 AM
Lincoln National (LNC) Q2 earnings included key metrics versus analyst estimates. Q2 earnings metrics versus estimates typically produce moderate short-term effects on LNC stock and sentiment.

3 , 7:20 AM
Lincoln National (LNC) surpassed Q2 earnings and revenue estimates. Earnings and revenue beats generate short-term positive stock reaction but rarely shift long-term fundamentals.

3 , 7:10 AM
Lincoln Financial announces reinsurance transaction with Talcott. Reinsurance transaction may moderately affect Lincoln National's capital and risk profile without fundamentally altering company trajectory.

3 , 6:00 AM
Lincoln National Corporation released its second quarter 2026 earnings results. Quarterly earnings releases deliver financial metrics that can shift near-term investor sentiment and valuation.

23 Jul

3 , 10:00 AM
Lincoln National (LNC) Q2 earnings are expected to decline. Expected Q2 earnings decline could pressure Lincoln National stock price and investor sentiment.

13 Jul

4 stocktwits.com, 7:49 PM
Lincoln National Corporation stock rises on reports of potential $5B reinsurance deal with Talcott. Potential $5B reinsurance deal represents major strategic move likely to significantly impact financial performance and market sentiment.

5 Jul

3 , 6:06 AM
Lincoln National (LNC) stock remains undervalued with strong returns supporting continued investor appeal and potential price gains. Valuation and return outlook may lift investor sentiment and share price modestly.

4 Jul

3 , 8:19 PM
Lincoln National Corporation issues $500 million in subordinated notes, raising leverage and carrying implications for shareholder equity value and future capital returns. Subordinated notes issuance alters LNC capital structure and leverage with direct effects on shareholder value.

24 Jun

3 Bloomberg, 6:31 AM
Investor who achieved 900% returns during 2008 crisis launches new large short bet targeting Lincoln National Corporation. Notable short position by prominent investor may pressure LNC shares and short-term sentiment without altering core operations.

11 Jun

4 , 8:22 PM
Lincoln National Corporation is overhauling its executive leadership structure, prompting a valuation review of the company. Executive leadership overhaul signals major strategic shifts likely to alter Lincoln National trajectory and investor views.

9 Jun

3 www.fool.com, 9:45 PM
Lincoln National Corporation is compared directly to MetLife to determine which offers the better investment for 2026. Stock comparison with MetLife can shift investor sentiment toward or away from LNC shares.

18 May

3 StockStory, 10:36 AM
Lincoln Financial Group's Q1 earnings call covered top analyst questions on financial results, strategic priorities, capital management, and forward guidance for Lincoln National Corporation. Earnings call analyst questions often surface investor concerns that moderately shape near-term sentiment and valuation.

14 May

4 Simply Wall St., 5:13 AM
Lincoln National Corporation expands retirement offerings by introducing managed accounts, positioning for valuation upside. Expansion of managed accounts in retirement segment represents a major strategic enhancement to core operations with potential for significant asset growth and valuation improvement.

12 May

3 StockStory, 2:52 AM
Lincoln National Corporation (LNC) posted Q1 revenue growth surpassing profitability amid market headwinds. Q1 revenue exceeded profitability gains despite headwinds, moderately influencing financial performance.

11 May

4 Zacks, 11:29 AM
Lincoln National Corporation (LNC) Q1 earnings beat estimates, driven by rising investment income. Q1 earnings beat on rising investment income signals strong financial health, likely boosting investor sentiment and stock performance.

4 www.marketbeat.com, 6:07 AM
Lincoln National Corporation (LNC) released highlights from its Q1 earnings call, covering financial results, strategic updates, and forward guidance. Q1 earnings call highlights detail financial performance and strategic direction, significantly influencing LNC's market valuation and investor outlook.

3 GlobeNewswire, 10:00 AM
Stadion Money Management and Morningstar Retirement partnered to launch Stadion Managed Accounts on Lincoln Financial's platform, expanding retirement investment options. Partnership launches new managed accounts on Lincoln Financial's platform, enhancing retirement offerings and potentially growing assets under management.

10 May

4 Simply Wall St., 9:14 PM
Lincoln National Corporation (LNC) reported improved Q1 results and launched a new API partnership, positioning both to strengthen its investment narrative and future outlook. Improved Q1 earnings combined with a strategic API partnership signal major boosts to financial performance and competitive positioning.

3 Simply Wall St., 6:09 AM
Lincoln National Corporation (LNC) beat earnings expectations but reported a GAAP net loss, leading to a detailed valuation analysis. Mixed earnings results with beat on expectations but GAAP net loss likely to moderately influence financial performance and investor sentiment.

7 May

4 app.moby.co, 5:01 PM
Lincoln National Corporation's Q1 2026 earnings call summary covers financial results, strategic updates, and forward guidance for the insurance and retirement solutions provider. Q1 earnings summaries reveal critical financial metrics and outlook that significantly sway investor confidence and stock trajectory.
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