Price
$44.43+12.48%Social Signal Score
Analyst Ratings
28 analystsRevenue
$4.54B+28.85%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Ellen R. Gail Cooper
- Sector
- Financial Services
- Industry
- Insurance - Life
- Employees
- 9,423
- Beta
- 1.11
- Country
- US
- Piotroski score
- 5 / 9 (Middling)
- Altman Z-score
- 0.14
Financials
Revenue
$4.54B+28.9%Net Income
$1.33B+185.2%EBITDA
$1.73B+154.4%Free Cash Flow
$-558.00M-487.5%EPS (diluted)
$6.72+236.0%Shares Outstanding (diluted)
196.42M-15.9%Cash & Debt
$52.32BReturn of Capital
$97.00MRevenue by Segment (annual)
$18.22BDividend per Share
$0.45Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $18.21B | $1.18B | $5.95 |
| 2024 | $17.99B | $3.27B | $18.66 |
| 2023 | $11.71B | $-752.00M | $-4.92 |
| 2022 | $18.93B | $1.36B | $7.94 |
| 2021 | $17.61B | $3.78B | $20.16 |
| 2020 | $17.58B | $499.00M | $2.58 |
| 2019 | $17.25B | $886.00M | $4.42 |
| 2018 | $16.42B | $1.64B | $7.60 |
| 2017 | $14.26B | $2.08B | $9.36 |
| 2016 | $13.33B | $1.19B | $5.09 |
| 2015 | $13.57B | $1.15B | $4.60 |
| 2014 | $13.59B | $1.51B | $5.81 |
| 2013 | $11.96B | $1.24B | $4.68 |
| 2012 | $11.54B | $1.31B | $4.68 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from LNC's reported EPS growth of 1.9% a year over 13 years.
- EPS in 5 years
- $7.08
- Implied price
- $49.55
- Return from $40.30
- 4.2% a year
To earn 15.0% a year on these assumptions you'd need to buy at $24.64 — -38.9% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 3 | 5 | 7 | 9 | 11 |
|---|---|---|---|---|---|
| -8.1% | -20.7% | -12.1% | -6.0% | -1.2% | 2.9% |
| -3.1% | -16.3% | -7.3% | -0.9% | 4.2% | 8.5% |
| 1.9% | -12.0% | -2.6% | 4.2% | 9.6% | 14.1% |
| 6.9% | -7.7% | 2.2% | 9.3% | 15.0% | 19.7% |
| 11.9% | -3.4% | 7.0% | 14.4% | 20.3% | 25.3% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
70-53.33%Social Signal Score
Mentions (9)
- Newszacks.com·6d ago·Positive
3 Life Insurers Poised for Growth Amid Strong Annuity Demand Life insurers like RGA, LNC and VOYA are seeing growth opportunities from aging demographics, retirement-income needs, protection gaps and continued product innovation.
View source ↗ - Newszacks.com·18d ago·Positive
Fed Reverses Course With First Rate Hike Since 2023: 3 Insurers to Buy RGA, LNC and TRV are poised to benefit from the Fed's first rate hike since 2023 as higher yields support insurers' investment income.
View source ↗ - Newszacks.com·21d ago·Positive
Can Lincoln National Turn Greater Capital Flexibility Into Growth? LNC is shifting from capital rebuilding to flexibility, with stronger liquidity, lower leverage and new room to pursue growth and returns.
View source ↗ - Newszacks.com·35d ago·Positive
Lincoln National Stock Gains 25% in 3 Months: Hold or Fold? LNC's 25% three-month gain reflects stronger annuity sales, improving Life Insurance results and capital strength, but market risks remain.
View source ↗ - Newszacks.com·55d ago·Positive
Lincoln National Restarts Buybacks After a Nearly Four-Year Pause LNC is restarting share buybacks after nearly four years, backed by stronger capital, lower risk and about $714 million left in its program.
View source ↗ - News (RSS)seekingalpha·56d ago·Positive
Lincoln National launches buybacks for up to $500M series C, series D depositary shares
View source ↗ - News (RSS)seekingalpha·56d ago·Neutral
Lincoln National appoints Adam Cohen interim CFO, Chris Neczypor steps down
View source ↗ - News (RSS)seekingalpha·56d ago·Neutral
Lincoln National declares $0.45 dividend
View source ↗ - Newsbusinesswire.com·57d ago·Negative
Lincoln Financial Announces Offers to Purchase Up To $500 Million Aggregate Liquidation Preference of Its Series C and Series D Depositary Shares RADNOR, Pa.--(BUSINESS WIRE)--Lincoln Financial (NYSE: LNC) today announced the commencement by Lincoln National Corporation (the “Company”) of concurrent but separate offers (each, an “Offer” and, together, the “Offers”) to purchase for cash up to $500 million in aggregate Liquidation Preference (as defined below) (such amount, the “Maximum Aggregate
View source ↗
Earnings
Thu, Nov 5(in 4 weeks)
Consensus estimate $2.01 per share
Typical surprise +10.9% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 30$2.24 vs $1.96beat
- Thu, May 7$1.66 vs $1.58beat
- Thu, Feb 12$2.21 vs $1.86beat
- Thu, Oct 30$2.04 vs $1.84beat
- Thu, Jul 31$2.36 vs $1.91beat
- Thu, May 8$1.60 vs $1.54beat
Estimates and results for LNC via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by LNC officers and directors.
- Bought
- $10k
- Sold
- $2.7m
1 trade
6 trades
- Woodroffe Seansold
- Kelly Gary Csold
- Beazer Craigt Tsold
- Charters Jenniferbought
- Woodroffe Seansold
- Woodroffe Seansold
- Reid James Waltmansold
93 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- Ro Khannahouse · CA17 · disclosed Jul 8, 2026 (14d later)Buy$1,001 - $15,000
- Lisa C. McClainhouse · MI09 · disclosed Aug 13, 2025 (57d later)Sell$1,001 - $15,000
- Lisa C. McClainhouse · MI09 · disclosed Aug 13, 2025 (63d later)Buy$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Aug 8, 2025 (36d later)Buy$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Nov 8, 2023 (8d later)Sell$1,001 - $15,000
- Michael Guesthouse · MS03 · disclosed Aug 23, 2023 (16d later)Buy$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Jun 12, 2023 (24d later)Buy$1,001 - $15,000
- Daniel Goldmanhouse · NY10 · disclosed May 19, 2023 (39d later)Sell$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed May 8, 2023 (21d later)Buy$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Apr 7, 2023 (24d later)Buy$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Mar 8, 2023 (22d later)Buy$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Jan 3, 2023 (28d later)Sell$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Oct 7, 2022 (8d later)Sell$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Oct 7, 2022 (8d later)Buy$1,001 - $15,000
- Ro Khannahouse · CA17 · disclosed Sep 8, 2022 (38d later)Buy$1,001 - $15,000
- Michael T. McCaulhouse · TX10 · disclosed Aug 17, 2022 (29d later)Sell$15,001 - $50,000
- Michael T. McCaulhouse · TX10 · disclosed Aug 17, 2022 (27d later)Sell$1,001 - $15,000
- Michael T. McCaulhouse · TX10 · disclosed Aug 17, 2022 (27d later)Sell$15,001 - $50,000
- Michael T. McCaulhouse · TX10 · disclosed Aug 17, 2022 (28d later)Sell$100,001 - $250,000
- Michael T. McCaulhouse · TX10 · disclosed Aug 17, 2022 (29d later)Sell$100,001 - $250,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.