LNC
BEARISH
$36.98
Live
Lincoln National Corporation · NYSE
Target $42.58
(+15.2%)
$31.61
52W Range
$46.82
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 30, 2026
Market cap
$7.07B
P/E
6.34
ROE
12.3%
Profit margin
6.4%
Debt/Equity
0.65
Dividend yield
4.87%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
LNC presents as a classic value trap, characterized by a critically weak Piotroski F-Score of 2/9, indicating severe deterioration in fundamental financial health. While the stock trades at a significant discount to its Graham Number ($82.75) and slightly below its intrinsic value ($40.81), this valuation is offset by negative YoY revenue and earnings growth. Bearish insider activity and a 0/100 technical trend further signal a lack of confidence in a near-term recovery. Despite a sustainable dividend payout ratio, the underlying operational decay makes the current price a risky entry point.
Key Strengths
Deep value valuation with a P/E of 6.34 and P/B of 0.71
Trading below both Graham Number and Intrinsic Value estimates
Sustainable dividend payout ratio at 30.87%
Recent quarterly earnings beats (3 of last 4 quarters)
Strong current ratio of 2.23 indicating short-term liquidity
Key Risks
Critically low Piotroski F-Score (2/9) signaling poor financial health
Severe YoY earnings contraction of -60.70%
Negative revenue growth (-3.10% YoY)
Bearish insider sentiment with consistent officer selling
Strongly bearish technical trend (0/100)
AI Fair Value Estimate
Based on comprehensive analysis
$39.5
+6.8% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
47
Moderate
85
20
40
15
75
AI Verdict
Value Trap
Key drivers: Piotroski F-Score, Earnings Growth, Insider Selling, P/B Ratio
Confidence
90%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- P/E 6.34
- P/B 0.71
- Below Graham Number
Watchpoints
- Low valuation may reflect permanent impairment of capital
Future
20/100
Ref Growth rates
Positives
- Recent EPS surprises are positive
Watchpoints
- YoY Revenue Growth -3.10%
- YoY Earnings Growth -60.70%
Past
40/100
Ref Historical trends
Positives
- 3Y Change +102.7%
Watchpoints
- 5Y Change -25.7%
- Highly volatile quarterly earnings history
Health
15/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Current Ratio 2.23
Watchpoints
- Piotroski F-Score 2/9
- Lack of Altman Z-Score data
Dividend
75/100
Ref Yield, Payout
Positives
- 4.87% Yield
- Low payout ratio (30.87%)
Watchpoints
- Dividend safety is threatened by declining earnings
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$36.98
Analyst Target
$42.58
Upside/Downside
+15.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for LNC and closest competitors.
Updated 2026-04-29
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
LNC
Lincoln National Corporation
Primary
|
-25.7% | +102.7% | +19.0% | -5.4% | +9.9% | +0.4% |
|
MORN
Morningstar, Inc.
Peer
|
-28.4% | +5.2% | -33.5% | -15.3% | +11.9% | -2.2% |
|
FAF
First American Financial Corporation
Peer
|
+29.8% | +40.7% | +17.2% | +13.1% | +21.4% | +7.4% |
|
STEP
StepStone Group Inc.
Peer
|
+85.3% | +171.4% | +19.9% | -9.8% | +17.6% | +19.7% |
|
HUT
Hut 8 Corp.
Peer
|
+85.1% | +567.5% | +463.4% | +51.7% | +29.3% | +37.4% |
LNC
Lincoln National Corporation
Primary
5Y
-25.7%
3Y
+102.7%
1Y
+19.0%
6M
-5.4%
1M
+9.9%
1W
+0.4%
MOR
Morningstar, Inc.
Peer
5Y
-28.4%
3Y
+5.2%
1Y
-33.5%
6M
-15.3%
1M
+11.9%
1W
-2.2%
FAF
First American Financial Corporation
Peer
5Y
+29.8%
3Y
+40.7%
1Y
+17.2%
6M
+13.1%
1M
+21.4%
1W
+7.4%
STE
StepStone Group Inc.
Peer
5Y
+85.3%
3Y
+171.4%
1Y
+19.9%
6M
-9.8%
1M
+17.6%
1W
+19.7%
HUT
Hut 8 Corp.
Peer
5Y
+85.1%
3Y
+567.5%
1Y
+463.4%
6M
+51.7%
1M
+29.3%
1W
+37.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
6.34
Forward P/E
4.38
PEG Ratio
1.01
P/B Ratio
0.71
P/S Ratio
0.39
EV/Revenue
-1.64
EV/EBITDA
-24.79
Market Cap
$7.07B
Profitability
Profit margins and return metrics
Profit Margin
6.44%
Operating Margin
12.87%
Gross Margin
24.22%
ROE
12.28%
ROA
0.16%
Growth
Revenue and earnings growth rates
Revenue Growth
-3.1%
Earnings Growth
-60.7%
Q/Q Revenue Growth
-2.24%
Q/Q Earnings Growth
-55.3%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.65
Moderate
Current Ratio
2.23
Strong
Quick Ratio
1.15
Good
Cash/Share
$237.06
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$5.0B
Net Margin
15.2%
Total Assets
$417.2B
Liabilities
$406.3B
Equity
$10.9B
Debt/Equity
37.25x
Operating CF
$0.2B
Free Cash Flow
$0.2B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-07
$N/A
2026-02-12
$2.21
+16.5% surprise
2025-10-30
$2.04
+9.3% surprise
2025-07-31
$2.36
+25.7% surprise
Financial Services Sector Comparison
Comparing LNC against 885 companies in the Financial Services sector
(145 bullish, 379 neutral, 361 bearish)
P/E Ratio
6.34
This Stock
vs
34.43
Sector Avg
-81.6%
(Discount)
Return on Equity (ROE)
12.28%
This Stock
vs
-0.15%
Sector Avg
-8536.2%
(Below Avg)
Profit Margin
6.44%
This Stock
vs
92.68%
Sector Avg
-93.0%
(Weaker)
Debt to Equity
0.65
This Stock
vs
1.33
Sector Avg
-51.3%
(Less Debt)
Revenue Growth
-3.1%
This Stock
vs
35.1%
Sector Avg
-108.8%
(Slower)
Current Ratio
2.23
This Stock
vs
3.05
Sector Avg
-26.9%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
LNC
Lincoln National Corporation
|
BEARISH | $7.07B | 6.34 | 12.3% | 6.4% | $36.98 | |
|
MORN
Morningstar, Inc.
|
BEARISH | $7.08B | 20.04 | 26.3% | 15.3% | $183.73 | Compare |
|
FAF
First American Financial...
|
BULLISH | $7.25B | 10.9 | 12.8% | 8.7% | $70.87 | Compare |
|
STEP
StepStone Group Inc.
|
NEUTRAL | $6.87B | - | -65.1% | -30.7% | $54.97 | Compare |
|
HUT
Hut 8 Corp.
|
BEARISH | $7.33B | - | -18.6% | -96.2% | $66.08 | Compare |
LNC
Lincoln National...
BEARISH
Mkt Cap
$7.1B
P/E
6.3
ROE
12.3%
Price
$36.98
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-13 | CHARTERS JENNIFER | Chief Technology Officer | Purchase | 300 | $9,783 |
| 2026-03-09 | WOODROFFE SEAN NIGEL | Officer | Sale | 8,000 | $261,920 |
| 2026-03-02 | WOODROFFE SEAN NIGEL | Officer | Sale | 10,000 | $344,600 |
| 2026-02-19 | BEAZER CRAIGT T | General Counsel | Stock Award | 51,340 | - |
| 2026-02-19 | KENNEDY JOHN CHRISTOPHER | Officer | Stock Award | 38,111 | - |
| 2026-02-19 | COHEN ADAM M | Officer | Stock Award | 17,603 | - |
| 2026-02-19 | NECZYPOR CHRISTOPHER M. | Chief Financial Officer | Stock Award | 90,073 | - |
| 2026-02-19 | REID JAMES WALTMAN | Officer | Stock Award | 79,968 | - |
| 2026-02-19 | WOODROFFE SEAN NIGEL | Officer | Stock Award | 75,812 | - |
| 2026-02-19 | RALLIS ANDREW | Officer | Stock Award | 30,549 | - |
| 2026-02-19 | KROLL BRIAN | Officer | Stock Award | 20,574 | - |
| 2026-02-19 | CHARTERS JENNIFER | Chief Technology Officer | Stock Award | 18,704 | - |
| 2026-02-19 | MORRISS JOHN G. | Chief Investment Officer | Stock Award | 13,716 | - |
| 2026-02-19 | ADHYA NILANJAN | Officer | Stock Award | 19,951 | - |
| 2026-02-19 | COOPER ELLEN G | Chief Executive Officer | Stock Award | 327,514 | - |
CHARTERS JENNIFER
Chief Technology Officer
2026-03-13
300 shares
·
$9,783
WOODROFFE SEAN NIGEL
Officer
2026-03-09
8,000 shares
·
$261,920
WOODROFFE SEAN NIGEL
Officer
2026-03-02
10,000 shares
·
$344,600
BEAZER CRAIGT T
General Counsel
2026-02-19
51,340 shares
KENNEDY JOHN CHRISTOPHER
Officer
2026-02-19
38,111 shares
COHEN ADAM M
Officer
2026-02-19
17,603 shares
NECZYPOR CHRISTOPHER M.
Chief Financial Officer
2026-02-19
90,073 shares
REID JAMES WALTMAN
Officer
2026-02-19
79,968 shares
WOODROFFE SEAN NIGEL
Officer
2026-02-19
75,812 shares
RALLIS ANDREW
Officer
2026-02-19
30,549 shares
KROLL BRIAN
Officer
2026-02-19
20,574 shares
CHARTERS JENNIFER
Chief Technology Officer
2026-02-19
18,704 shares
MORRISS JOHN G.
Chief Investment Officer
2026-02-19
13,716 shares
ADHYA NILANJAN
Officer
2026-02-19
19,951 shares
COOPER ELLEN G
Chief Executive Officer
2026-02-19
327,514 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
12 analysts
B of A Securities
2026-04-14
Neutral
Neutral
Mizuho
2026-04-13
Outperform
Outperform
Wells Fargo
2026-04-10
Overweight
Overweight
UBS
2026-04-09
Neutral
Neutral
Barclays
2026-04-08
Equal-Weight
Equal-Weight
Barclays
2026-03-11
Equal-Weight
Equal-Weight
TD Cowen
2026-03-09
Hold
Hold
Morgan Stanley
2026-03-03
Overweight
Overweight
Wells Fargo
2026-02-25
Equal-Weight
Overweight
Morgan Stanley
2026-02-23
Overweight
Overweight
Past News Coverage
Recent headlines mentioning LNC from our newsroom.
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