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Lincoln National Corporation LNC NYSE

NYSE • Financial Services • Insurance - Life • US • USD

SharesGrow Score
65/100
2/7 Pass
SharesGrow Intrinsic Value
$137.35
+288.5%
Analyst Price Target
$44.25
+25.2%

Lincoln National Corporation (LNC) is a Insurance - Life company in the Financial Services sector, currently trading at $35.35. It has a SharesGrow Score of 65/100, indicating a above average investment profile with 2 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of LNC = $137.35 (+288.5% from the current price, the stock appears undervalued). Analyst consensus target is LNC = $44 (+25.2% upside).

Valuation: LNC trades at a trailing Price-to-Earnings (P/E) of 5.7 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.64.

Financials: revenue is $18.2B, +5.9%/yr average growth. Net income is $1.2B, growing at +105.4%/yr. Net profit margin is 6.5% (thin). Gross margin is 57.3% (-42.7 pp trend).

Balance sheet: total debt is $6.3B against $10.9B equity (Debt-to-Equity (D/E) ratio 0.57, moderate). Debt-to-assets is 1.5%. Total assets: $417.2B.

Analyst outlook: 9 / 27 analysts rate LNC as buy (33%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 92/100 (Pass), Growth 83/100 (Pass), Past 75/100 (Partial), Health 50/100 (Partial), Moat 63/100 (Partial), Future 46/100 (Partial), Income 45/100 (Partial).

$44.25
▲ 25.18% Upside
Average Price Target
Based on 27 Wall Street analysts offering 12-month price targets for Lincoln National Corporation, the average price target is $44.25, with a high forecast of $48.00, and a low forecast of $41.00.
Highest Price Target
$48.00
Average Price Target
$44.25
Lowest Price Target
$41.00

LNC SharesGrow Score Overview

65/100
SharesGrow Score
Above average fundamentals
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VALUE 92/100
Valuation — P/E, PEG, Forward PEG
GROWTH 83/100
Financials — average growth
PAST 75/100
strong — trend
HEALTH 50/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 63/100
Gross margin is + market cap
FUTURE 46/100
Analyst outlook — as buy
INCOME 45/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — LNC

VALUE Pass
92/100
LNC trades at a trailing Price-to-Earnings (P/E) of 5.7 (S&P 500 average ~25). Forward PEG 0.64 — Peter Lynch undervalued (≤1.0). Analyst consensus target is $44, implying +24.5% from the current price $35. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Pass
83/100
LNC: +5.9%/yr revenue is, +105.4%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Partial
75/100
LNC: 3 / 4 years profitable. mixed. Score = 3 / 4 × 100. ≥ 80 = Pass.
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HEALTH Partial
50/100
Balance sheet LNC: Debt-to-Equity (D/E) ratio 0.57 (moderate), Current ratio is N/A. Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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MOAT Partial
63/100
LNC: Gross margin is 57.3% (-42.7 pp trend), $7B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 63/100. ≥ 70 = Pass.
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FUTURE Partial
46/100
Analyst outlook: 9 / 27 analysts rate LNC as buy (33%). Analyst consensus target is $44 (+24.5% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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INCOME Partial
45/100
LNC: Net profit margin is 6.5%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range27.58-46.82
Volume1.64M
Avg Volume (30D)2.35M
Market Cap$6.72B
Beta (1Y)1.22
Dividend Yield$1.8000
Share Statistics
EPS (TTM)5.95
Shares Outstanding$182.67M
IPO Date1980-03-17
Employees9,783
CEOEllen R. Gail Cooper
Financial Highlights & Ratios
Revenue (TTM)$18.21B
Gross Profit$10.44B
EBITDA$1.57B
Net Income$1.18B
Operating Income$1.34B
Total Cash$9.5B
Total Debt$6.27B
Net Debt$-3.24B
Total Assets$417.2B
Price / Earnings (P/E)5.9
Price / Sales (P/S)0.37
Analyst Forecast
1Y Price Target$44.00
Target High$48.00
Target Low$41.00
Upside+24.5%
Rating ConsensusHold
Analysts Covering27
Buy 33% Hold 59% Sell 7%
Price Target Summary
Company Info
CountryUS
ExchangeNYSE
CurrencyUSD
ISINUS5341871094

Price Chart

LNC
Lincoln National Corporation  ·  NYSE
Financial Services • Insurance - Life
27.58 52WK RANGE 46.82
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