LINCOLN NATIONAL CORP (LNC)

US5341871094 - Common Stock

28.65  -0.08 (-0.28%)

After market: 28.35 -0.3 (-1.05%)

Fundamental Rating

3

Overall LNC gets a fundamental rating of 3 out of 10. We evaluated LNC against 141 industry peers in the Insurance industry. Both the profitability and financial health of LNC have multiple concerns. LNC has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally LNC also has an excellent dividend rating.



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1

1. Profitability

1.1 Basic Checks

In the past year LNC was profitable.
LNC had a negative operating cash flow in the past year.
In multiple years LNC reported negative net income over the last 5 years.
In multiple years LNC reported negative operating cash flow during the last 5 years.

1.2 Ratios

With a Return On Assets value of -0.22%, LNC is not doing good in the industry: 73.38% of the companies in the same industry are doing better.
LNC has a worse Return On Equity (-12.08%) than 79.14% of its industry peers.
Industry RankSector Rank
ROA -0.22%
ROE -12.08%
ROIC N/A
ROA(3y)-0.14%
ROA(5y)0%
ROE(3y)-15.65%
ROE(5y)-8.05%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

LNC does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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1

2. Health

2.1 Basic Checks

Compared to 1 year ago, LNC has more shares outstanding
Compared to 5 years ago, LNC has less shares outstanding
The debt/assets ratio for LNC has been reduced compared to a year ago.

2.2 Solvency

LNC has a Debt/Equity ratio of 0.83. This is a neutral value indicating LNC is somewhat dependend on debt financing.
LNC has a worse Debt to Equity ratio (0.83) than 82.01% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.83
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. Growth

3.1 Past

LNC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.48%.
LNC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.25% yearly.
LNC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -33.21%.
The Revenue has been decreasing by -3.31% on average over the past years.
EPS 1Y (TTM)-16.48%
EPS 3Y6.93%
EPS 5Y-9.25%
EPS growth Q2Q49.48%
Revenue 1Y (TTM)-33.21%
Revenue growth 3Y-7.26%
Revenue growth 5Y-3.31%
Revenue growth Q2Q-96.86%

3.2 Future

The Earnings Per Share is expected to grow by 18.35% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.73% on average over the next years.
EPS Next Y27.51%
EPS Next 2Y21.08%
EPS Next 3Y18.35%
EPS Next 5YN/A
Revenue Next Year1.79%
Revenue Next 2Y2.52%
Revenue Next 3Y3.73%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 5.49, the valuation of LNC can be described as very cheap.
76.98% of the companies in the same industry are more expensive than LNC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of LNC to the average of the S&P500 Index (25.25), we can say LNC is valued rather cheaply.
LNC is valuated cheaply with a Price/Forward Earnings ratio of 4.30.
LNC's Price/Forward Earnings ratio is rather cheap when compared to the industry. LNC is cheaper than 83.45% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.67, LNC is valued rather cheaply.
Industry RankSector Rank
PE 5.49
Fwd PE 4.3

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

LNC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
LNC's earnings are expected to grow with 18.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y21.08%
EPS Next 3Y18.35%

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8

5. Dividend

5.1 Amount

LNC has a Yearly Dividend Yield of 6.61%, which is a nice return.
Compared to an average industry Dividend Yield of 4.36, LNC pays a better dividend. On top of this LNC pays more dividend than 92.81% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, LNC pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.61%

5.2 History

The dividend of LNC is nicely growing with an annual growth rate of 10.89%!
LNC has been paying a dividend for at least 10 years, so it has a reliable track record.
LNC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)10.89%
Div Incr Years0
Div Non Decr Years13

5.3 Sustainability

The earnings of LNC are negative and hence is the payout ratio. LNC will probably not be able to sustain this dividend level.
The dividend of LNC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-46.46%
EPS Next 2Y21.08%
EPS Next 3Y18.35%

More info and screens

LINCOLN NATIONAL CORP

NYSE:LNC (4/24/2024, 7:14:26 PM)

After market: 28.35 -0.3 (-1.05%)

28.65

-0.08 (-0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap4.87B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 6.61%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 5.49
Fwd PE 4.3
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.2
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.22%
ROE -12.08%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) N/A
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.83
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-16.48%
EPS 3Y6.93%
EPS 5Y
EPS growth Q2Q
EPS Next Y27.51%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-33.21%
Revenue growth 3Y-7.26%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y