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Upturn AI SWOT - About
LNC 
Lincoln National Corporation (LNC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/13/2025: LNC (3-star) is currently NOT-A-BUY. Pass it for now.
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 $43.58
1 Year Target Price $43.58
| 1 | Strong Buy |
| 0 | Buy |
| 10 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.82% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/13/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.44B USD | Price to earnings Ratio 6.55 | 1Y Target Price 43.58 |
Price to earnings Ratio 6.55 | 1Y Target Price 43.58 | ||
Volume (30-day avg) 12 | Beta 1.44 | 52 Weeks Range 26.55 - 43.17 | Updated Date 10/13/2025 |
52 Weeks Range 26.55 - 43.17 | Updated Date 10/13/2025 | ||
Dividends yield (FY) 4.73% | Basic EPS (TTM) 5.99 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.3% | Operating Margin (TTM) -4.74% |
Management Effectiveness
Return on Assets (TTM) 0.17% | Return on Equity (TTM) 12.99% |
Valuation
Trailing PE 6.55 | Forward PE 5.23 | Enterprise Value 7259569624 | Price to Sales(TTM) 0.41 |
Enterprise Value 7259569624 | Price to Sales(TTM) 0.41 | ||
Enterprise Value to Revenue 0.4 | Enterprise Value to EBITDA - | Shares Outstanding 189580412 | Shares Floating 169937986 |
Shares Outstanding 189580412 | Shares Floating 169937986 | ||
Percent Insiders 10.16 | Percent Institutions 70.42 |
Upturn AI SWOT
Lincoln National Corporation
Company Overview
History and Background
Lincoln National Corporation, founded in 1905, originally focused on life insurance. Over time, it has evolved into a diversified financial services company offering a range of insurance, retirement, and investment solutions.
Core Business Areas
- Annuities: Offers fixed, variable, and indexed annuities to help individuals save for retirement and generate income.
- Life Insurance: Provides term, universal, and variable life insurance policies to protect families and individuals.
- Retirement Plan Services: Offers 401(k), 403(b), and other retirement plans to businesses and organizations.
- Group Protection: Provides group life, disability, dental, and vision insurance to employers for their employees.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure is divided into business segments, each led by a senior executive.
Top Products and Market Share
Key Offerings
- Variable Annuities: Variable annuities offer investment options and potential for higher returns, but also carry investment risk. Lincoln National is a major provider, with market share impacted by interest rate environment. Competitors include Prudential Financial (PRU), Athene (ATH), and Equitable Holdings (EQH).
- Universal Life Insurance: Universal life insurance provides flexible premiums and death benefits. Competitors include New York Life, Northwestern Mutual and Prudential.
- Employer-Sponsored Retirement Plans: 401(k), 403(b), and other qualified retirement plans are offered through employers and other organizations. Major competitors include Fidelity, Vanguard, and T. Rowe Price (TROW).
- Group Disability Insurance: Short-term and long-term disability insurance provided to employers for employees, with MetLife (MET), The Hartford (HIG), and Unum (UNM) as significant competitors.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and regulated, with factors such as interest rates, economic growth, and demographic trends influencing performance.
Positioning
Lincoln National Corporation is a well-established player in the insurance and retirement solutions market, focusing on financial security and retirement readiness. They have strong distribution networks with financial professionals.
Total Addressable Market (TAM)
The global retirement market TAM is in the trillions, driven by aging populations. Lincoln National aims to capture a segment through a diverse suite of products. The US life insurance TAM is estimated at $850 Billion.
Upturn SWOT Analysis
Strengths
- Established brand recognition
- Diverse product portfolio
- Strong distribution network
- Solid financial position
Weaknesses
- Exposure to interest rate fluctuations
- Sensitivity to market volatility
- Complexity of products
- Legacy IT infrastructure
Opportunities
- Growing demand for retirement solutions
- Expanding digital capabilities
- Strategic acquisitions
- Developing new products and services
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PRU
- MET
- AIG
- NNN
- VOYA
Competitive Landscape
Lincoln National competes with other major insurance and retirement companies based on product offerings, distribution network, brand recognition, and financial strength. The competitive advantage consists of a diverse portfolio.
Major Acquisitions
Liberty Life Assurance Company of Boston
- Year: 2018
- Acquisition Price (USD millions): 3300
- Strategic Rationale: Increased scale and strengthened its market position in the group benefits business.
Growth Trajectory and Initiatives
Historical Growth: Requires revenue and earnings growth data over multiple years.
Future Projections: Requires analyst estimates for future growth.
Recent Initiatives: Lincoln Financial recently launched a digital advisor solution for plan participants to help participants work towards their goals.
Summary
Lincoln National Corporation has a long and rich history within the finance and insurance sector. LNC has several established products and brand name, but it is not as large as many of it's competitors. With a change in the economic environment, it has become more sensitive to market fluctuations. This has caused a drag on it's stock price. Although it is well managed, many believe it is still a risky stock to add to one's portfolio.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Market Research Reports
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a financial professional.
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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