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Company Analysis

Lincoln National Corporation LNC

A comprehensive view of key metrics, scores, and financial health for Lincoln National Corporation

Overview of Lincoln National Corporation

LNC NYQ
Financial Services Insurance - Life Mid Cap
Lincoln National Corporation (LNC), is a Mid Cap company, in the Insurance - Life industry, last closed at $32.61, about 53.1% undervalued vs fair value, -12.0% 1Y return, ranked 355/1004 in sector.
$32.61
0.06%
As of March 13, 2026
Previous close • Vol 90d: 37.5%
52-Week Range
Market Cap
$6.40B
Enterprise Value
$3.17B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.lincolnfinancial.c...
HQ Radnor, PA
Employees 9,423
Fiscal year Dec 31

Next Events

Dividend May 1 Ex-div: Apr 10
Earnings May 7

Fair Value Snapshot

Bear Base Bull
$28
$50
$94
Current: $32.61 +53% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$227.0M
-32.4%%
Interest Expense
$227.0M
Net Interest Income
$-408.0M
11.5%%
Total Revenue
$18.2B
1.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
43.7%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.2B
39.1% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Lincoln National Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
48
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing LNC's balance between Growth (34.8%), Profitability (35.7%), and Safety (29.6%). Growth 35% Safety 30% Profitability 36%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

51th percentile vs peers
51
Key Signals
EPS Growth YoY 4.76 87p Revenue CAGR 3Y -1.3% 39p EPS CAGR 3Y -2.7% 61p TSR 47.3% 81p Rev Growth YoY 1.2% 21p
Strengths
  • Eps Growth Yoy in top 20% of peers (4.76, 87th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Tsr in top 20% of peers (47.3%, 81th percentile)
  • Roic in top 20% of peers (25.9%, 91th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

52th percentile vs peers
53
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
44
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Lincoln National Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$49.92
- - -
+53.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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