LNC Financial ServicesBeta data

Lincoln National Corporation

$42.23+1.44%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Insurance - Life
Country: United States
Market cap: 8.1B USD
Full-time employees: 9,423

Overall health

Strength: more profitable than most peersmore profitable than peers
Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings
Drawback: growing more slowly than most peersgrowing more slowly than peers

Ranks #345 of 791 banks & insurance companies (top 44%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

More volatile share price. Beta 1.11: tends to move more than the market.
Lincoln National's shares have swung more with the market than most peers' (beta 1.11, above the market's 1.0).

StockQuotient Score

54/ 100

Oct 5 55 → Nov 4 54 (-1)

Fundamentals: Yahoo Finance, not primary filings

Valuation

Is the price right?

92/100

Strong

2/2 inputs reported · High confidence

Why

Stronger than most peers on:

▲ Earnings yield
▲ P/B

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield128.2%

Yahoo FinanceReported value40% base weight · Z-score 1.71Sector median: 0.7950 · MAD: 0.2843

Earnings yield28.1%

Yahoo Finance · trailing 12 monthsOutlier capped at sector 5th/95th percentile60% base weight · Z-score 5.25Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield-16.4%

Yahoo Finance · trailing 12 months · operating cash flow − capital spendingNegative (a loss or cash outflow), so it counts as zero whatever the share priceInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

0/100

Weak

1/1 inputs reported · High confidence

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth-68.3%

Yahoo Finance · fiscal year to Dec 2025Outlier capped at sector 5th/95th percentile100% base weight · Z-score -3.12Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth-1.0%

Yahoo Finance · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth2.0%

Yahoo Finance · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

69/100

Moderate

2/2 inputs reported · High confidence

Why

Stronger than most peers on:

▲ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.3%

Yahoo Finance · trailing 12 monthsReported value50% base weight · Z-score -1.42Sector median: 0.0117 · MAD: 0.0062

Return on equity22.6%

Yahoo Finance · trailing 12 monthsReported value50% base weight · Z-score 3.05Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Lincoln National

Is Lincoln National getting weaker?: Filing-by-filing changes are tracked only for companies that file with the US SEC. Its overall score is unchanged at 54/100 since Oct 28, 2026.
How is Lincoln National valued vs its peers?: Priced lower than most peers relative to what it earns. Valuation scores 92/100 against 950 banks & insurance peers. Earnings yield 28.1% vs a peer median of 7.9% (stronger than 95% of peers).Earnings yield 28.1% vs peers 7.9% (stronger than 95% of peers).
Is Lincoln National growing?: More slowly than most of its peers. Growth scores 0/100 against 950 banks & insurance peers. Earnings per share growth -68.3% vs a peer median of 16.0% (weaker than 100% of peers).Earnings per share growth -68.3% vs peers 16.0% (weaker than 100% of peers).
How profitable is Lincoln National?: More profitable than most of its peers. Profitability scores 69/100 against 950 banks & insurance peers. Return on equity 22.6% vs a peer median of 10.7% (stronger than 92% of peers).Return on equity 22.6% vs peers 10.7% (stronger than 92% of peers). Return on assets 0.3% vs a peer median of 1.2% (weaker than 89% of peers).Return on assets 0.3% vs peers 1.2% (weaker than 89% of peers).
How risky is Lincoln National?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Industry valuation context

Sector: Banks & Insurance · 209 companies

Valuations in Banks & Insurance are within their usual range since 2016.

55% of months since 2016 were valued lower than now.
27% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +25% and earnings +33% (medians): prices and earnings moved broadly together.
Median price-to-book is −57% vs the whole market, against a usual −57%.

2016Shaded: most expensive fifth of its range2026

Shown for Banks & Insurance: too few Insurance - Life companies have a long enough history of their own.

Financials

Detailed annual statements come from structured SEC filing data, which most US companies and some foreign filers provide. They aren’t available for this company yet.

LNC price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

White Mountains Insurance Group, Ltd.WTM94/ 100

The Allstate CorporationALL93/ 100

PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Drawback: growing more slowly than most peersgrowing more slowly than peers

Ranks #345 of 791 banks & insurance companies (top 44%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Lincoln National

Is Lincoln National getting weaker?

Filing-by-filing changes are tracked only for companies that file with the US SEC. Its overall score is unchanged at 54/100 since Oct 28, 2026.

How is Lincoln National valued vs its peers?

Priced lower than most peers relative to what it earns. Valuation scores 92/100 against 950 banks & insurance peers. Earnings yield 28.1% vs a peer median of 7.9% (stronger than 95% of peers).Earnings yield 28.1% vs peers 7.9% (stronger than 95% of peers).

Is Lincoln National growing?

More slowly than most of its peers. Growth scores 0/100 against 950 banks & insurance peers. Earnings per share growth -68.3% vs a peer median of 16.0% (weaker than 100% of peers).Earnings per share growth -68.3% vs peers 16.0% (weaker than 100% of peers).

How profitable is Lincoln National?

More profitable than most of its peers. Profitability scores 69/100 against 950 banks & insurance peers. Return on equity 22.6% vs a peer median of 10.7% (stronger than 92% of peers).Return on equity 22.6% vs peers 10.7% (stronger than 92% of peers). Return on assets 0.3% vs a peer median of 1.2% (weaker than 89% of peers).Return on assets 0.3% vs peers 1.2% (weaker than 89% of peers).

How risky is Lincoln National?

Not rated for banks and insurers: debt and share-price swings say little about their risk.