LNC
Lincoln National Corporation
Financial Services · Insurance - Life · NYQ
$34.74
Data: 2026-05-28
✗ ETHICAL FAIL

Unknown MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$6.7B
Total market value of the company
Trailing P/E
3.85
Very cheap relative to earnings
Forward P/E
4.22
Based on estimated future earnings — lower means cheaper
Rev Growth
+12.5%
Year-over-year revenue change
Profit Margin
9.2%
How much profit the company keeps from each dollar of revenue
ROE
18.8%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$41.00
+18% from current price — median analyst estimate
Recommendation
HOLD
Consensus view from 12 analysts covering this stock
About Lincoln National Corporation

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 nonmedical insurance products consisting of short and long-term disability and administration services, statutory disability; paid family medical leave administration and absence management services; term life; life; supplemental health insurance; accident, critical illness, and hospital indemnity benefits and dental and vision products 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.

https://www.lincolnfinancial.com

Country: United States Employees: 9,423 Industry: Insurance - Life
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0% N/A
Debt must be below 33% of total assets
Cash Ratio
0.0% N/A
Interest-bearing cash below 33% of assets
Receivables
0.0% N/A
Receivables below 49% of assets
Revenue Purity
0.0% N/A
Non-compliant revenue below 5% — any excess requires purification
Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime
MARKDOWN
Price trending down — defensive positioning
Sharpe Ratio
0.437
Positive but modest risk-adjusted returns
Kelly Fraction
0.0304
Modest edge detected — smaller position warranted
Calmar Ratio
0.335
Drawdown risk outweighs the returns — higher risk profile
Annual Return
9.8%
Historical annualised return based on price data
Max Drawdown
-29.1%
Largest peak-to-trough decline — the worst it has been
HMM State
BEAR
Statistical model detects bearish conditions
Days in State
46
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

Beta
1.19
Moves slightly more than the broader market
52W High
$46.82
26% below the year high
52W Low
$31.69
10% above the year low
Avg Volume
2,070,967
Average daily shares traded — higher means easier to buy and sell
Short Ratio
0.0
Days it would take all short sellers to cover — higher means more crowded
Short % Float
0.0%
Low short interest — limited bearish positioning
Div Yield
511.0%
Annual dividend as a percentage of the share price
EPS (TTM)
$9.14
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity
65.73
Heavy leverage — higher financial risk if revenues decline
Current Ratio
2.19
Strong balance sheet — comfortably covers short-term obligations
Quick Ratio
1.15
Like current ratio but excludes inventory — stricter test
Gross Margin
27.0%
Revenue left after cost of goods — higher means pricing power
Operating Margin
-4.1%
Profit from core operations before interest and tax
Free Cash Flow
$2.9B
Positive — the business generates more cash than it spends
Revenue (TTM)
$18.8B
Total revenue over the last 12 months
Net Income
$1.6B
Profitable — the bottom line is positive
Analyst Coverage
Analysts
12
Target High
$56.00
Target Median
$41.00
Target Low
$33.00
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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