Fundamental analysis · SEC EDGAR · TTM through 30/06/2026
LNC · NYSE · Financial
Fundamental quality
77
out of 100
Lincoln National Corp is a mature, stable business: it earns money solidly (net margin 12.2%) but grows slowly (1.9% a year). On fundamental quality it scores 77 out of 100, profiling it as a company with solid fundamentals. Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
Lincoln National is an American life and annuity insurer with a president's name: life insurance, retirement plans and employee benefits. It has spent years repairing a balance sheet damaged by old guarantees costlier than expected.
EPS growth: 32.2% · Revenue growth: 1.9%
Net margin: 12.2% · ROE: 20.8%
Source: SEC EDGAR · TTM through 30/06/2026
The score combines growth, profitability and financial strength, and here its pillars hold up evenly.
Percentile against the other 71 Financial companies in our coverage: how far it beats them on each metric (100 = best in sector).
Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2020 | 17,439 | 499 | — | 4,974 |
| 2021 | 17,715 | 3,778 | — | 4,313 |
| 2022 | 18,810 | 1,358 | — | 3,488 |
| 2023 | 11,645 | -752 | — | 2,584 |
| 2024 | 18,442 | 3,275 | — | 355 |
| 2025 | 18,212 | 1,177 | — | -3,236 |
Between 2020 and 2025, revenue went from $17,439M to $18,212M (+4%) and net income went from $499M to $1,177M (+136%). Meanwhile, its margins have widened (from 3% to 6%).
Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.
Latest results
Figures for the half-year ended June 30, 2026, versus the half-year ended June 30, 2025 (SEC filings):
Compared with the previous close (March 31, 2026), this is what moved in its accounts:
Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.
$1.8
per share, yearly
27.6% of earnings
Payout
The dividend yield depends on today's price. Compute it in the analyzer → · See all dividend-paying stocks →
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Is Lincoln National Corp cheap or expensive?
That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).
Compute the valuation →Is Lincoln National Corp a good company to invest in?
In terms of business quality, Lincoln National Corp scores 77 out of 100 in our analysis, placing it as a company of high fundamental quality. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is Lincoln National Corp a profitable company?
Yes. Lincoln National Corp shows a net margin of 12.2% and an ROE of 20.8%, a sign of a profitable business.
Is Lincoln National Corp growing?
Its revenue has grown 1.9% annualized in recent years and its earnings per share 32.2%.
The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.
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Who's behind the methodology and model · how the score is computed
Data: see Lincoln National Corp's filings on EDGAR
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