LNC:NYE-Lincoln National Corporation (USD)

COMMON STOCK | Insurance—Life | NYE

Last Closing Price

USD 49.16

Change

-1.03 (-2.05)%

Market Cap

USD 9.70B

Volume

0.91M

Average Target Price

USD 44.33 (-9.82%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Lincoln National Corporation, through its subsidiaries, operates multiple insurance and retirement businesses in the United States. It operates through four segments: Annuities, Retirement Plan Services, Life Insurance, and Group Protection. The Annuities segment offers variable, fixed, and indexed variable annuities. The Retirement Plan Services segment provides employers with retirement plan products and services primarily in the defined contribution retirement plan marketplace. This segment offers individual and group variable annuities, group fixed annuities, and mutual fund-based programs; and a range of plan services, including plan recordkeeping, compliance testing, participant education, and trust and custodial services. The Life Insurance segment provides life insurance products, including term insurance, such as single and survivorship versions of universal life insurance; variable universal life insurance; indexed universal life insurance products; and critical illness and long-term care riders. The Group Protection segment offers group non-medical insurance products comprising short and long-term disability, statutory disability and paid family medical leave administration and absence management services, term life, dental, vision and accident, and critical illness benefits and services to the employer marketplace through various forms of employee-paid and employer-paid plans. The company distributes its products through consultants, brokers, planners, agents, financial advisors, third-party administrators, and other intermediaries. Lincoln National Corporation was founded in 1905 and is headquartered in Radnor, Pennsylvania.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-11-27 )

Largest Industry Peers for Insurance—Life

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
LFC China Life Insurance Company L..

+0.63 (+5.55%)

USD150.16B 8.30 N/A
MET-PE MetLife, Inc

N/A

USD49.20B 4.12 N/A
MET-PA MetLife, Inc

-0.15 (-0.59%)

USD49.05B 3.65 N/A
MET MetLife, Inc

-0.31 (-0.65%)

USD42.98B 7.47 N/A
PUK Prudential plc

-0.30 (-0.92%)

USD42.55B 33.87 N/A
MFC Manulife Financial Corporation

+0.18 (+1.05%)

USD33.17B 8.12 N/A
AFL Aflac Incorporated

-0.33 (-0.72%)

USD32.04B 7.17 N/A
PRU Prudential Financial, Inc

-0.64 (-0.81%)

USD31.18B 8.85 N/A
GL Globe Life Inc

-0.63 (-0.65%)

USD10.12B 14.16 N/A
PRI Primerica, Inc

-0.23 (-0.17%)

USD5.30B 14.51 N/A

ETFs Containing LNC

Symbol Name Weight Mer Price(Change) Market Cap
FLI:CA CI First Asset U.S. &.. 0.00 % 0.75 %

-0.02 (-0.22%)

USD0.06B
SPHB Invesco S&P 500 High Beta.. 0.00 % 0.25 %

-0.23 (-0.42%)

USD0.19B
ZEUS:CA BMO Shiller Select US Ind.. 0.00 % 0.73 %

N/A

USD9.21M

Market Performance

  Market Performance vs.
Industry/Classification (Insurance—Life)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -16.69% 18% F 24% F
Dividend Return 3.39% 60% D- 70% C-
Total Return -13.30% 12% F 25% F
Trailing 12 Months  
Capital Gain -16.75% 18% F 22% F
Dividend Return 3.39% 60% D- 65% D
Total Return -13.36% 18% F 22% F
Trailing 5 Years  
Capital Gain -10.50% 47% F 30% F
Dividend Return 12.67% 46% F 42% F
Total Return 2.17% 47% F 27% F
Average Annual (5 Year Horizon)  
Capital Gain 5.48% N/A N/A 68% D+
Dividend Return 2.17% N/A N/A 56% F
Total Return 7.65% N/A N/A 66% D
Risk Return Profile  
Volatility (Standard Deviation) 35.94% N/A N/A 15% F
Risk Adjusted Return 21.29% N/A N/A 41% F
Market Capitalization 9.70B 53% F 83% B
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Insurance—Life)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 12.82 41% F 68% D+
Price/Book Ratio 0.40 94% A 96% A
Price / Cash Flow Ratio -3.61 94% A 89% B+
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 3.79% 29% F 46% F
Return on Invested Capital 3.45% 18% F 37% F
Return on Assets 0.24% 24% F 24% F
Debt to Equity Ratio 40.01% 20% F 67% D+
Technical Ratios  
Short Ratio 4.17 18% F 24% F
Short Percent 5.55% 15% F 46% F
Beta 2.14 6% F 9% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

What to not like:
Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Higly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.