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LNC 
Lincoln National Corporation (LNC)
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Upturn Advisory Summary
01/09/2026: LNC (3-star) is a REGULAR-BUY. BUY since 44 days. Simulated Profits (7.20%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
12 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $46.5
1 Year Target Price $46.5
| 1 | Strong Buy |
| 0 | Buy |
| 10 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 33.81% | Avg. Invested days 45 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.32B USD | Price to earnings Ratio 3.8 | 1Y Target Price 46.5 |
Price to earnings Ratio 3.8 | 1Y Target Price 46.5 | ||
Volume (30-day avg) 12 | Beta 1.32 | 52 Weeks Range 26.55 - 46.82 | Updated Date 01/9/2026 |
52 Weeks Range 26.55 - 46.82 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 4.08% | Basic EPS (TTM) 11.53 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.45% | Operating Margin (TTM) 5.68% |
Management Effectiveness
Return on Assets (TTM) 0.21% | Return on Equity (TTM) 21.68% |
Valuation
Trailing PE 3.8 | Forward PE 5.22 | Enterprise Value 4477708448 | Price to Sales(TTM) 0.45 |
Enterprise Value 4477708448 | Price to Sales(TTM) 0.45 | ||
Enterprise Value to Revenue 0.24 | Enterprise Value to EBITDA - | Shares Outstanding 189939050 | Shares Floating 170305050 |
Shares Outstanding 189939050 | Shares Floating 170305050 | ||
Percent Insiders 10.15 | Percent Institutions 73.84 |
Upturn AI SWOT
Lincoln National Corporation
Company Overview
History and Background
Lincoln National Corporation was founded in 1905 in Fort Wayne, Indiana, as The Lincoln National Life Insurance Company. Initially focused on life insurance, the company expanded its offerings over time. Key milestones include its public offering in 1965, the establishment of its property and casualty insurance arm, and significant acquisitions that diversified its business. It has evolved into a diversified financial services organization with a strong presence in retirement, insurance, and group protection.
Core Business Areas
- Retirement Plan Services: Provides retirement solutions for individuals and businesses, including defined contribution plans like 401(k)s and annuities. This segment focuses on accumulating and preserving retirement assets.
- Life Insurance: Offers a range of life insurance products, including term life, universal life, and variable universal life insurance, designed to provide financial security and death benefits.
- Group Protection: Delivers employee benefits such as group life, disability, and accident insurance, aiming to protect employees and their families from financial hardship.
- Health: Historically offered health insurance products, though the company has been divesting or de-emphasizing certain aspects of its health business.
Leadership and Structure
Lincoln National Corporation is led by a Board of Directors and an executive management team responsible for strategic direction and operational oversight. Key leadership roles include the Chief Executive Officer (CEO), Chief Financial Officer (CFO), and heads of various business segments. The organizational structure is generally segmented by its core business lines.
Top Products and Market Share
Key Offerings
- Annuities (Fixed and Variable): Lincoln offers a variety of annuity products designed for retirement income and wealth accumulation. Market share in annuities is competitive, with major players like Jackson Financial, Prudential, and Principal Financial. Specific market share data for Lincoln's annuity products is not readily available publicly as a standalone metric but contributes significantly to their Retirement segment revenue.
- Group Life and Disability Insurance: Provides group insurance solutions for employers. Competitors include large insurers like MetLife, Unum, and The Hartford. Market share for group benefits is often segmented by company size and product type.
- Term and Universal Life Insurance: Offers individual life insurance policies. Competitors include Prudential, Northwestern Mutual, and MassMutual. Lincoln's share in the individual life insurance market varies by product type and distribution channel.
Market Dynamics
Industry Overview
The financial services industry, particularly the life insurance and retirement sector, is characterized by a mature market with evolving customer needs. Key trends include low interest rates impacting investment returns, increasing demand for retirement solutions, digital transformation in customer engagement, and regulatory changes. The competitive landscape is robust with established players and new entrants leveraging technology.
Positioning
Lincoln National Corporation is positioned as a diversified financial services provider with a significant focus on retirement and life insurance solutions. Its competitive advantages include a long-standing brand reputation, a broad product portfolio, and established distribution channels. However, it faces challenges in navigating market volatility and increasing competition.
Total Addressable Market (TAM)
The TAM for retirement savings and insurance products in the US is in the trillions of dollars. For retirement plans, it's driven by the need for individuals to save for post-career life, while insurance TAM is based on population demographics and economic conditions. Lincoln National operates within this vast TAM, but its market share is a fraction, with significant opportunity for growth within its specialized segments.
Upturn SWOT Analysis
Strengths
- Diversified business model across retirement, life insurance, and group protection.
- Established brand reputation and long operating history.
- Strong presence in the annuity market.
- Experienced leadership team.
- Robust distribution network.
Weaknesses
- Sensitivity to interest rate fluctuations.
- Challenges in achieving consistent growth in certain segments.
- Potential for legacy business to weigh on profitability.
- Dependence on market performance for variable product lines.
- Recent divesting of some business lines could signal strategic shifts or challenges.
Opportunities
- Growing demand for retirement planning and income solutions.
- Leveraging technology for enhanced customer experience and operational efficiency.
- Strategic acquisitions or partnerships to expand market reach or product offerings.
- Capitalizing on demographic shifts and aging populations.
- Expansion into new product niches or markets.
Threats
- Intense competition from other financial institutions.
- Adverse changes in economic conditions and market volatility.
- Interest rate risk and its impact on profitability.
- Regulatory changes and compliance burdens.
- Cybersecurity threats and data privacy concerns.
Competitors and Market Share
Key Competitors
- Prudential Financial (PRU)
- MetLife (MET)
- Jackson Financial (JXN)
- Principal Financial Group (PFG)
- The Hartford (HIG)
Competitive Landscape
Lincoln National Corporation competes in a highly fragmented and competitive market. Its advantages lie in its diversified offerings and established customer base. However, competitors often have larger scale, greater brand recognition in specific niches, and more extensive capital resources, posing significant challenges to market share expansion.
Growth Trajectory and Initiatives
Historical Growth: Lincoln National Corporation has experienced periods of growth driven by market conditions and strategic acquisitions. However, its growth trajectory can be influenced by the cyclical nature of the insurance and financial services industries and interest rate environments. Recent years have seen strategic shifts and portfolio adjustments impacting reported growth figures.
Future Projections: Future growth projections for Lincoln National Corporation are typically based on analyst estimates, which consider industry trends, company-specific strategies, and macroeconomic factors. These projections often focus on earnings per share (EPS) growth, revenue expansion, and profitability improvements in its core segments.
Recent Initiatives: Recent strategic initiatives by Lincoln National Corporation have included portfolio optimization, divestitures of non-core businesses, and investments in technology to enhance digital capabilities and customer service. These actions are aimed at improving profitability, streamlining operations, and focusing on high-growth areas within its business.
Summary
Lincoln National Corporation is a diversified financial services company with significant operations in retirement, life insurance, and group protection. It benefits from a long history and established brand but faces intense competition and market volatility. Recent strategic shifts indicate a focus on optimizing its portfolio. The company's future success will depend on its ability to adapt to changing market dynamics, leverage technological advancements, and effectively manage its product mix for sustainable profitability.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Lincoln National Corporation Official Investor Relations Website
- SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Bloomberg, Wall Street Journal)
- Industry Research Reports
Disclaimers:
This JSON output is for informational purposes only and should not be considered financial advice. The data provided is based on publicly available information and estimations, and may not be exhaustive or entirely up-to-date. Market share data is approximate and can vary based on reporting methodology. Investors should conduct their own due diligence and consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Lincoln National Corporation
Exchange NYSE | Headquaters Radnor, PA, United States | ||
IPO Launch date 1984-10-05 | Chairman, President & CEO Ms. Ellen R. Gail Cooper C.F.A., F.S.A. | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 9783 | Website https://www.lincolnfinancial.com |
Full time employees 9783 | Website https://www.lincolnfinancial.com | ||
Lincoln National Corporation, through its subsidiaries, operates multiple insurance and retirement businesses in the United States. It operates through four segments: Life Insurance, Annuities, Group Protection, and Retirement Plan Services. The Life Insurance segment provides life insurance products, including term insurance, universal life insurance (UL), indexed universal life insurance, variable universal life insurance (VUL), linked-benefit UL and VUL products, and critical illness and long-term care riders. Its Annuities segment offers variable, fixed, and registered index-linked annuities. The Group Protection segment offers group non-medical insurance products consisting of short and long-term disability and statutory disability; paid family medical leave administration and absence management services; term life; dental and vision; and accident, critical illness, and hospital indemnity benefits and services to the employer marketplace through various forms of employee-paid and employer-paid plans. Its Retirement Plan Services segment provides employers with retirement plan products and services primarily in the defined contribution retirement plan marketplace; individual and group variable annuities, group fixed annuities, and mutual fund-based programs; and various plan services, including plan recordkeeping, compliance testing, participant education, and trust and custodial services. It distributes its products through consultants, brokers, planners, agents, financial advisors, third-party administrators, financial institutions, and other intermediaries. Lincoln National Corporation was founded in 1905 and is headquartered in Radnor, Pennsylvania.
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