Lincoln National Corporation

$ 37.17 -0.59 %

Lincoln National Corporation (LNC) is a U.S.-based financial services company primarily involved in the insurance and retirement sectors. Operating through various subsidiaries, its operations are structured across four key divisions: Annuities, Retirement Plan Services, Life Insurance, and Group Protection. The Annuities division provides a range of annuity products, including fixed, variable, and indexed variable options. Its Retirement Plan Services segment caters to employers, focusing predominantly on the defined contribution market. This unit delivers a suite of retirement solutions, encompassing individual and group variable and fixed annuities, alongside mutual fund-based programs. Furthermore, it offers comprehensive plan administration services such as recordkeeping, compliance verification, participant education, and trust and custodial support. The Life Insurance segment delivers various life coverage options, from term insurance to universal life products, specifically single and survivorship universal life, variable universal life, and indexed universal life policies. It also makes available critical illness and long-term care riders to enhance these plans. Finally, the Group Protection segment focuses on providing non-medical group insurance benefits and services to the employer sector. Its offerings include short-term and long-term disability, statutory disability, paid family medical leave administration, and absence management. Additionally, it offers group term life, dental, vision, accident, and critical illness coverage, all available through both employee-contributed and employer-funded schemes. Lincoln National distributes its financial products and services through an extensive network of consultants, brokers, planners, agents, financial advisors, third-party administrators, and other intermediary partners. Established in 1905, Lincoln National Corporation maintains its headquarters in Radnor, Pennsylvania.

CEO: Ellen R. Gail Cooper - https://www.lfg.com

Price objectif

$42.75 15.01 %

Recommandation

Hold

DCF

$ 232.51

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LNC vs S&P500

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Quick ratio

18.36

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

4.07

may indicate that the company is undervalued or has poor growth prospects.

EPS

9.14

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

16.79 %

reflects reasonable profitability, showing good use of equity.

ROIC

20.33 %

generates a return higher than the cost of its capital, thereby creating value for its investors.

WACC

6.66

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.62

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

1.27

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

24.62 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
5 indicates moderate financial health
Altman score
0.12 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
18.36 indicates that the company has sufficient cash to cover its short-term debts
Debt Ratio
0.02 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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