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Upturn AI SWOT - About
LNC 
Lincoln National Corporation (LNC)
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Upturn Advisory Summary
06/30/2025: LNC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
12 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $38.09
Year Target Price $38.09
| 1 | Strong Buy |
| 0 | Buy |
| 10 | Hold |
| 0 | Under performing |
| 1 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.29% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.91B USD | Price to earnings Ratio 4.89 | 1Y Target Price 38.09 |
Price to earnings Ratio 4.89 | 1Y Target Price 38.09 | ||
Volume (30-day avg) 12 | Beta 1.41 | 52 Weeks Range 26.58 - 39.31 | Updated Date 06/30/2025 |
52 Weeks Range 26.58 - 39.31 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 5.21% | Basic EPS (TTM) 7.07 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.18% | Operating Margin (TTM) 8.21% |
Management Effectiveness
Return on Assets (TTM) 0.27% | Return on Equity (TTM) 16.91% |
Valuation
Trailing PE 4.89 | Forward PE 4.91 | Enterprise Value 8472270819 | Price to Sales(TTM) 0.32 |
Enterprise Value 8472270819 | Price to Sales(TTM) 0.32 | ||
Enterprise Value to Revenue 0.46 | Enterprise Value to EBITDA - | Shares Outstanding 170734000 | Shares Floating 151114865 |
Shares Outstanding 170734000 | Shares Floating 151114865 | ||
Percent Insiders 11.28 | Percent Institutions 77.15 |
Analyst Ratings
Rating 4 | Target Price 38.09 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 10 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Lincoln National Corporation
Company Overview
History and Background
Lincoln National Corporation, founded in 1905 and named after Abraham Lincoln, initially focused on life insurance. Over time, it expanded into annuities, retirement plan services, and group protection products. It has grown through acquisitions and organic development, becoming a major player in the financial services industry.
Core Business Areas
- Annuities: Offers fixed, variable, and indexed annuities to help individuals save for retirement and generate income.
- Retirement Plan Services: Provides recordkeeping, investment management, and participant services to employers sponsoring retirement plans.
- Life Insurance: Offers a range of life insurance products, including term, universal, and variable life insurance, to provide financial protection for individuals and families.
- Group Protection: Provides group disability, life, dental, and vision insurance to employers for their employees.
Leadership and Structure
The CEO is Ellen G. Cooper. The company operates with a hierarchical structure, with various business segments reporting to senior management.
Top Products and Market Share
Key Offerings
- Indexed Universal Life Insurance: Life insurance product that combines death benefit protection with cash value accumulation based on the performance of a market index, offers some market share, significant revenue, competitors are Pacific Life and Nationwide.
- Variable Annuities: Provides investment options for retirement savings, with Lincoln Benefit Life being a major competitor. Lincoln Financial Group has a strong position in the variable annuity market, with over $100 Billion in assets. Competition includes Athene, Jackson, and Equitable.
- Group Benefits: Offerings include disability, life, dental, and vision insurance, which accounted for a significant portion of Lincoln Financialu2019s revenue. Unum and MetLife are major competitors
Market Dynamics
Industry Overview
The financial services industry, particularly insurance and retirement products, is highly competitive and subject to regulatory changes. The industry is influenced by economic conditions, interest rates, and demographic trends.
Positioning
Lincoln National Corporation is a well-established player in the insurance and retirement solutions market, with a diversified product portfolio and a strong distribution network. The company competes with other large insurance companies, asset managers, and retirement plan providers.
Total Addressable Market (TAM)
The TAM for retirement and insurance products is estimated to be several trillion dollars. Lincoln Financial is well-positioned but faces intense competition to capture a larger share.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified product portfolio
- Extensive distribution network
- Solid capital position
Weaknesses
- Sensitivity to interest rate fluctuations
- Exposure to market volatility
- Complex regulatory environment
- Declining market share in some segments
Opportunities
- Growing demand for retirement income solutions
- Expansion into new markets
- Development of innovative products
- Strategic acquisitions
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Adverse claims experience
Competitors and Market Share
Key Competitors
- PRU
- MET
- VOYA
- SLF
- MFC
Competitive Landscape
Lincoln Financial faces strong competition from other large insurance companies and asset managers. LNC is trying to transform by cutting 500 jobs to streamline operations and enhance its technological resources. It has a broad product portfolio but is challenged by regulatory complexities.
Major Acquisitions
Liberty Life Assurance Company of Boston
- Year: 2018
- Acquisition Price (USD millions): 3300
- Strategic Rationale: Expanded Lincoln Financial's group benefits business and enhanced its market position.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by acquisitions and organic growth. This section will be updated as soon as the current year's 10k report is available
Future Projections: Future growth is projected to be moderate, driven by increased demand for retirement income solutions. This section will be updated as soon as the current year's 10k report is available
Recent Initiatives: Recent strategic initiatives include cost reduction programs, product innovation, and expansion of distribution channels. Specifics will be added from the 10k report as soon as available
Summary
Lincoln National Corporation is a prominent player in the financial services sector, offering diverse insurance and retirement solutions. While boasting a strong brand and distribution network, it faces challenges from market volatility, regulation, and intense competition. Cost reduction and technological upgrades are crucial for future growth. The company's success hinges on its ability to innovate and adapt to changing market dynamics.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports
- Financial News Outlets
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor. Market share data is based on industry estimates and may vary. The AI-based rating is for illustrative purposes and should not be the sole basis for 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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