LNC
Financial Services · Insurance - Life
Performance
LNC (LNC) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
LNC (LNC) operates in the Insurance - Life space within the Financial Services sector. With a market cap of $7.3B, it qualifies as a small-cap company. Growth is moderate and the business remains profitable, offering a balanced risk/reward profile compared to high-multiple peers.
- Low P/E of 4.2× suggests the stock may be undervalued relative to earnings
- Revenue growth of 13% YoY shows solid business momentum
- ROE of 18.8% shows management efficiently converts equity into profit
- Current ratio of 2.2× — ample short-term liquidity
- Dividend yield of 4.79% provides consistent income on top of price appreciation
- High debt-to-equity of 65.73× increases financial risk, especially with elevated interest rates
Verdict
Strong Buy
Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
4.79%
5Y Avg Annual
$1.6200
Last Payment
$0.4500
Ex-Date
04/10/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest04/10/2026 | 05/04/2026 | $0.4500 | 4.69% |
01/12/2026 | 02/05/2026 | $0.4500 | 4.69% |
10/10/2025 | 11/03/2025 | $0.4500 | 4.69% |
07/10/2025 | 08/03/2025 | $0.4500 | 4.69% |
04/10/2025 | 05/04/2025 | $0.4500 | 4.69% |
01/10/2025 | 02/03/2025 | $0.4500 | 4.69% |
10/10/2024 | 11/03/2024 | $0.4500 | 4.69% |
07/10/2024 | 08/03/2024 | $0.4500 | 4.69% |
Magic Number
Shares needed to self-fund your next purchase
$38.39
Price
$0.4500
Last div. (quarterly)
86
shares
Own 86 LNC shares ($3,301.54) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$3,301.54
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Jul 30, 2026
44
days
EPS (TTM)
$9.14
P/E (TTM)
4.2
Fwd P/E
4.6
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $38.39
Graham Number
√(22.5 × EPS × Book Value)
$99.61
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$29.60
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
89% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
18.8%Return on equity — measures how efficiently capital is used
Positive profit margin
9.2%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+12.5%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
65.73×Low financial leverage reduces risk of distress
Current ratio above 1
2.19×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$73M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
4.79%Stock must distribute income to shareholders
Related Assets
Financial Services
About LNC
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.
Sector
Financial Services
Industry
Insurance - Life
Location
Radnor, United States
Employees
9,423