LINCOLN NATIONAL CORP(NYSE:LNC) stock Fundamental Analysis

Fundamental Rating

Overall LNC gets a fundamental rating of 3 out of 10. We evaluated LNC against 144 industry peers in the Insurance industry. Both the profitability and financial health of LNC have multiple concerns. LNC has a correct valuation and a medium growth rate. Finally LNC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

LNC had positive earnings in the past year.

In the past year LNC has reported a negative cash flow from operations.

The reported net income has been mixed in the past 5 years: LNC reported negative net income in multiple years.

The reported operating cash flow has been mixed in the past 5 years: LNC reported negative operating cash flow in multiple years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.07%, LNC is doing worse than 76.06% of the companies in the same industry.

The Return On Equity of LNC (2.97%) is worse than 73.24% of its industry peers.

LNC has a Return On Invested Capital of 0.14%. This is in the lower half of the industry: LNC underperforms 67.61% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.07%
ROE	2.97%
ROIC	0.14%

ROA(3y)-0.14%

ROA(5y)0%

ROE(3y)-15.65%

ROE(5y)-8.05%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

LNC has a Profit Margin of 1.80%. This is in the lower half of the industry: LNC underperforms 71.13% of its industry peers.

LNC has a Operating Margin of 4.65%. This is in the lower half of the industry: LNC underperforms 70.42% of its industry peers.

		Industry Rank	Sector Rank
OM	4.65%
PM (TTM)	1.8%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

Compared to 1 year ago, LNC has more shares outstanding

LNC has less shares outstanding than it did 5 years ago.

The debt/assets ratio for LNC has been reduced compared to a year ago.

2.2 Solvency

LNC has a Debt/Equity ratio of 0.65. This is a neutral value indicating LNC is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.65, LNC is doing worse than 80.99% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.65
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.52% over the past year.

The Earnings Per Share has been decreasing by -9.25% on average over the past years.

The Revenue for LNC has decreased by -17.03% in the past year. This is quite bad

The Revenue has been decreasing by -3.31% on average over the past years.

EPS 1Y (TTM)21.52%

EPS 3Y6.93%

EPS 5Y-9.25%

EPS Q2Q%795.65%

Revenue 1Y (TTM)-17.03%

Revenue growth 3Y-7.26%

Revenue growth 5Y-3.31%

Sales Q2Q%-2.19%

3.2 Future

The Earnings Per Share is expected to grow by 15.19% on average over the next years. This is quite good.

The Revenue is expected to grow by 2.80% on average over the next years.

EPS Next Y17.01%

EPS Next 2Y21.8%

EPS Next 3Y16.66%

EPS Next 5Y15.19%

Revenue Next Year-1.38%

Revenue Next 2Y1.4%

Revenue Next 3Y1.89%

Revenue Next 5Y2.8%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 5.85, which indicates a rather cheap valuation of LNC.

77.46% of the companies in the same industry are more expensive than LNC, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 28.47, LNC is valued rather cheaply.

LNC is valuated cheaply with a Price/Forward Earnings ratio of 4.35.

81.69% of the companies in the same industry are more expensive than LNC, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 92.74. LNC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	5.85
Fwd PE	4.35

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

LNC's earnings are expected to grow with 16.66% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.34

PEG (5Y)N/A

EPS Next 2Y21.8%

EPS Next 3Y16.66%

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5. Dividend

5.1 Amount

LNC has a Yearly Dividend Yield of 5.09%, which is a nice return.

Compared to an average industry Dividend Yield of 3.13, LNC pays a better dividend. On top of this LNC pays more dividend than 87.32% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.28, LNC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.09%

5.2 History

The dividend of LNC is nicely growing with an annual growth rate of 10.89%!

LNC has paid a dividend for at least 10 years, which is a reliable track record.

LNC has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)10.89%

Div Incr Years0

Div Non Decr Years14

5.3 Sustainability

LNC pays out 148.13% of its income as dividend. This is not a sustainable payout ratio.

The dividend of LNC is growing, but earnings are growing more, so the dividend growth is sustainable.

DP148.13%

EPS Next 2Y21.8%

EPS Next 3Y16.66%

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LINCOLN NATIONAL CORP

NYSE:LNC (2/4/2025, 8:04:00 PM)

After market: 33.69 0 (0%)

33.69

-0.22 (-0.65%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)10-31 2024-10-31/bmo

Earnings (Next)02-06 2025-02-06/bmo

Inst Owners76.28%

Inst Owner Change0.14%

Ins Owners0.39%

Ins Owner Change-0.18%

Market Cap5.74B

Analysts55.24

Price Target37.03 (9.91%)

Short Float %2.14%

Short Ratio2.92

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.09%

Yearly Dividend2.29

Dividend Growth(5Y)10.89%

DP148.13%

Div Incr Years0

Div Non Decr Years14

Ex-Date01-10 2025-01-10 (0.45)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)14.18%

Min EPS beat(2)2.74%

Max EPS beat(2)25.62%

EPS beat(4)3

Avg EPS beat(4)-6.62%

Min EPS beat(4)-63.23%

Max EPS beat(4)25.62%

EPS beat(8)4

Avg EPS beat(8)-19.96%

EPS beat(12)4

Avg EPS beat(12)-17.58%

EPS beat(16)6

Avg EPS beat(16)-12.91%

Revenue beat(2)0

Avg Revenue beat(2)-7.67%

Min Revenue beat(2)-11.82%

Max Revenue beat(2)-3.52%

Revenue beat(4)0

Avg Revenue beat(4)-18.31%

Min Revenue beat(4)-55.9%

Max Revenue beat(4)-1.99%

Revenue beat(8)2

Avg Revenue beat(8)-11.61%

Revenue beat(12)6

Avg Revenue beat(12)-1.93%

Revenue beat(16)8

Avg Revenue beat(16)-1.93%

PT rev (1m)-0.82%

PT rev (3m)8.21%

EPS NQ rev (1m)-5.82%

EPS NQ rev (3m)-7.02%

EPS NY rev (1m)0.13%

EPS NY rev (3m)6.8%

Revenue NQ rev (1m)-0.02%

Revenue NQ rev (3m)-0.84%

Revenue NY rev (1m)-0.04%

Revenue NY rev (3m)-0.16%

Valuation

		Industry Rank	Sector Rank
PE	5.85
Fwd PE	4.35
P/S	0.39
P/FCF	N/A
P/OCF	N/A
P/B	0.64
P/tB	0.73
EV/EBITDA	N/A

EPS(TTM)5.76

EY17.1%

EPS(NY)7.74

Fwd EY22.99%

FCF(TTM)-24.05

FCFYN/A

OCF(TTM)-24.05

OCFYN/A

SpS87.45

BVpS52.91

TBVpS46.2

PEG (NY)0.34

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.07%
ROE	2.97%
ROCE	0.18%
ROIC	0.14%
ROICexc	0.14%
ROICexgc	0.43%
OM	4.65%
PM (TTM)	1.8%
GM	N/A
FCFM	N/A

ROA(3y)-0.14%

ROA(5y)0%

ROE(3y)-15.65%

ROE(5y)-8.05%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.65
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)21.52%

EPS 3Y6.93%

EPS 5Y-9.25%

EPS Q2Q%795.65%

EPS Next Y17.01%

EPS Next 2Y21.8%

EPS Next 3Y16.66%

EPS Next 5Y15.19%

Revenue 1Y (TTM)-17.03%

Revenue growth 3Y-7.26%

Revenue growth 5Y-3.31%

Sales Q2Q%-2.19%

Revenue Next Year-1.38%

Revenue Next 2Y1.4%

Revenue Next 3Y1.89%

Revenue Next 5Y2.8%

EBIT growth 1Y-22.22%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-233.24%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-233.24%

OCF growth 3YN/A

OCF growth 5YN/A

LINCOLN NATIONAL CORP (LNC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens