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Upturn AI SWOT - About
LNC 
Lincoln National Corporation (LNC)
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Upturn Advisory Summary
08/14/2025: LNC (3-star) is a STRONG-BUY. BUY since 61 days. Profits (21.14%). 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 $41
1 Year Target Price $41
| 1 | Strong Buy |
| 0 | Buy |
| 10 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.02% | Avg. Invested days 42 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.69B USD | Price to earnings Ratio 6.77 | 1Y Target Price 41 |
Price to earnings Ratio 6.77 | 1Y Target Price 41 | ||
Volume (30-day avg) 12 | Beta 1.43 | 52 Weeks Range 26.48 - 41.09 | Updated Date 08/15/2025 |
52 Weeks Range 26.48 - 41.09 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 4.39% | Basic EPS (TTM) 5.99 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-31 | When Before Market | Estimate 1.88 | Actual 2.36 |
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 6.77 | Forward PE 5.76 | Enterprise Value 7379005283 | Price to Sales(TTM) 0.43 |
Enterprise Value 7379005283 | Price to Sales(TTM) 0.43 | ||
Enterprise Value to Revenue 0.41 | Enterprise Value to EBITDA - | Shares Outstanding 189580000 | Shares Floating 169937986 |
Shares Outstanding 189580000 | Shares Floating 169937986 | ||
Percent Insiders 10.16 | Percent Institutions 70.86 |
Upturn AI SWOT
Lincoln National Corporation
Company Overview
History and Background
Lincoln National Corporation was founded in 1905 and named after Abraham Lincoln. It has evolved from a life insurance company to a diversified financial services organization.
Core Business Areas
- Annuities: Provides fixed, indexed, and variable annuities for retirement savings and income.
- Life Insurance: Offers term, universal, variable, and indexed universal life insurance products to protect families and businesses.
- Group Protection: Offers employer-sponsored group disability, life, dental, and vision insurance benefits.
- Retirement Plan Services: Provides retirement plan administration, investment solutions, and recordkeeping services to employers.
Leadership and Structure
The company is led by a CEO and a board of directors. It is structured into business segments based on product lines.
Top Products and Market Share
Key Offerings
- Annuities: Fixed, Indexed, and Variable Annuities. LNC is a major player in the US annuities market. Competitors include Athene, Prudential, and New York Life. Market share varies by annuity type but is estimated to be between 5-10% overall.
- Competitors: Athene, Prudential, New York Life
- Competitors: Northwestern Mutual, MetLife, Prudential
- Life Insurance: Term, Universal, Variable, and Indexed Universal Life Insurance. Competitors include Northwestern Mutual, MetLife, and Prudential. Lincoln National is within the top 10 life insurance companies in the US.
- Competitors: The Hartford, Unum, MetLife
- Group Protection: Employer-sponsored disability, life, dental, and vision insurance. Market share for Group Protection is estimated to be between 5%-8%.
- Competitors: Fidelity, Vanguard, T. Rowe Price
- Retirement Plan Services: 401(k) plan administration. Competitors include Fidelity, Vanguard, and T. Rowe Price
Market Dynamics
Industry Overview
The financial services industry is driven by factors such as interest rates, market volatility, regulatory changes, and demographic trends, especially aging populations.
Positioning
Lincoln National Corporation is a leading provider of retirement, insurance, and wealth protection solutions.
Total Addressable Market (TAM)
The TAM for U.S. life insurance and annuities is estimated to be in the trillions of dollars. Lincoln National Corporation's is positioned to address the growing retirement and insurance needs of individuals and employers.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified product portfolio
- Extensive distribution network
- Strong capital position
Weaknesses
- Exposure to market volatility
- Sensitivity to interest rate fluctuations
- Complex regulatory environment
- High operating expenses
Opportunities
- Growing demand for retirement income solutions
- Expanding distribution channels
- Technological advancements
- Strategic acquisitions
Threats
- Intense competition
- Economic downturns
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PRU
- MET
- AIG
- VOYA
- SLF
Competitive Landscape
Lincoln National Corporation faces intense competition in all of its business segments.
Major Acquisitions
Liberty Life Assurance Company of Boston
- Year: 2018
- Acquisition Price (USD millions): 3300
- Strategic Rationale: Expanded Lincoln Financial Group's Group Protection Business.
Growth Trajectory and Initiatives
Historical Growth: Lincoln National Corporation's growth has been influenced by product innovation and strategic acquisitions.
Future Projections: Analyst projections for Lincoln National Corporation's growth vary based on market conditions.
Recent Initiatives: Recent strategic initiatives include investments in technology and expanding distribution channels.
Summary
Lincoln National Corporation is a large financial services company with a diversified portfolio. While it has strengths in brand recognition and distribution, it faces challenges from market volatility and competition. Investments in technology and strategic acquisitions are aimed at driving future growth. LNC must continuously adapt to changing market conditions and regulatory environments.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Industry Reports
- Analyst Reports
- Company Website
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly.
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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