Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
LNC 
Lincoln National Corporation (LNC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: LNC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -40.86% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.35B USD | Price to earnings Ratio 2.02 | 1Y Target Price 39.73 |
Price to earnings Ratio 2.02 | 1Y Target Price 39.73 | ||
Volume (30-day avg) 2079304 | Beta 1.76 | 52 Weeks Range 24.69 - 39.85 | Updated Date 04/2/2025 |
52 Weeks Range 24.69 - 39.85 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 5.00% | Basic EPS (TTM) 18.41 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.23% | Operating Margin (TTM) 17.85% |
Management Effectiveness
Return on Assets (TTM) 0.16% | Return on Equity (TTM) 43.2% |
Valuation
Trailing PE 2.02 | Forward PE 4.7 | Enterprise Value 7676241630 | Price to Sales(TTM) 0.35 |
Enterprise Value 7676241630 | Price to Sales(TTM) 0.35 | ||
Enterprise Value to Revenue 0.43 | Enterprise Value to EBITDA - | Shares Outstanding 170404000 | Shares Floating 169529650 |
Shares Outstanding 170404000 | Shares Floating 169529650 | ||
Percent Insiders 0.45 | Percent Institutions 75.42 |
Analyst Ratings
Rating 3.08 | Target Price 36 | 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 headquartered in Radnor Township, Pennsylvania, specializes in life insurance, annuities, group protection, and retirement plan services. It was named after Abraham Lincoln, and his son, Robert Todd Lincoln, granted permission to use his father's name and likeness.
Core Business Areas
- Annuities: Provides fixed, variable, and indexed annuities designed for retirement income and wealth accumulation.
- Retirement Plan Services: Offers retirement savings solutions, including 401(k), 403(b), and other defined contribution plans for businesses and non-profit organizations.
- Life Insurance: Provides a range of life insurance products, including term, universal, variable, and indexed universal life insurance.
- Group Protection: Offers group disability, life, dental, and vision insurance to employers for their employees.
Leadership and Structure
Ellen G. Cooper is the current CEO. The company is structured with business segments focused on annuities, retirement plan services, life insurance, and group protection, each with its own executive leadership.
Top Products and Market Share
Key Offerings
- Fixed Annuities: Offer guaranteed income streams for retirement. Market share data varies, but Lincoln National is a significant player in the US annuity market. Competitors include Athene, Jackson National, and New York Life. Revenue data not public.
- Variable Annuities: Offer investment options with potential for higher returns but also carry market risk. Lincoln National holds a significant portion of the variable annuity market. Competitors include Equitable, Prudential, and AIG. Revenue data not public.
- Group Disability Insurance: Replaces a portion of income lost due to illness or injury. Lincoln Financial is a major provider in this market. Competitors include The Hartford, MetLife, and Unum. Revenue data not public.
Market Dynamics
Industry Overview
The insurance and annuity industry is characterized by increasing regulatory scrutiny, evolving consumer preferences, and fluctuating interest rates. Technological advancements and demographic shifts are also shaping the market.
Positioning
Lincoln National Corporation is a well-established player in the insurance and retirement solutions market, focusing on providing diverse product offerings and maintaining strong distribution relationships. It competes on product innovation, service quality, and financial strength.
Total Addressable Market (TAM)
The TAM for life insurance and annuity products is estimated in the trillions of dollars globally. Lincoln Financial Group is well-positioned to compete for a portion of this market, but its specific TAM share depends on its competitive execution and evolving market dynamics.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diverse product portfolio
- Established distribution network
- Solid financial strength ratings
Weaknesses
- Exposure to interest rate risk
- Vulnerability to market volatility
- Operational inefficiencies
- Complex regulatory environment
Opportunities
- Expanding into new markets
- Developing innovative products
- Leveraging technology for efficiency
- Capitalizing on aging population
Threats
- Increasing competition
- Changing regulatory landscape
- Economic downturn
- Low interest rate environment
Competitors and Market Share
Key Competitors
- PRU
- MET
- AIG
- VOYA
Competitive Landscape
Lincoln National Corporation faces intense competition from other large insurance and financial services companies. Its competitive advantages include its brand recognition and diversified product offerings, while its disadvantages include exposure to market volatility and complex regulatory requirements.
Major Acquisitions
Liberty Life Assurance Company of Boston
- Year: 2018
- Acquisition Price (USD millions): 3300
- Strategic Rationale: Expanded Lincoln National's group benefits business and strengthened its market position.
Growth Trajectory and Initiatives
Historical Growth: Lincoln National Corporation's historical growth has been influenced by acquisitions, product innovation, and market conditions.
Future Projections: Future growth projections depend on analyst estimates, which consider factors such as industry trends, competitive dynamics, and company-specific initiatives.
Recent Initiatives: Recent strategic initiatives include product development, technology investments, and cost-cutting measures. Specific details available in company reports and investor presentations.
Summary
Lincoln National Corporation is a major player in the insurance and retirement solutions market. Its strengths include a strong brand and diverse product portfolio. However, it faces challenges from market volatility and a complex regulatory environment. The company needs to capitalize on opportunities in expanding markets and innovative products to maintain its competitive edge and continue to grow.
Similar Companies
AIG
American International Group Inc
AIG
American International Group Inc
MET
MetLife Inc
MET
MetLife Inc
PRU
Prudential Financial Inc
PRU
Prudential Financial Inc
VOYA
Voya Financial Inc
VOYA
Voya Financial Inc
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, analyst estimates, news sources
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change rapidly. Consult a financial professional for personalized advice.
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.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.