Lincoln Financial (LNC)
NYSEFinancialsInsurance - LifeSnapshot 2026-09-04
$45.47-0.42%
Close 2026-09-04 · 1-day change
NYSEFinancialsInsurance - LifeSnapshot 2026-09-04
QuarterlyIQ Insights · LNC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks LNC against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 60% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue executing strategic and financial objectives to grow earnings and operating income across all business segments.
Stated as a priority in 4 of last 4 quarters. Net income available to common stockholders grew from a loss of $211 million in 2026-Q1 to a gain of $1.3 billion in 2026-Q2. Operating income improved from a loss of $246 million to $1.64 billion over the same period. The trajectory is delivering with strong earnings growth and improved operating income as management emphasized.
“We delivered another quarter of year-over-year earnings growth, supported by strength across all businesses.”
“Sustained progress against strategic and financial objectives drove solid first quarter performance.”
“Strong fourth quarter performance capped a year of sustained momentum, with balanced growth and broad-based execution.”
“Progress building a more resilient foundation, delivering more consistent performance.”
Focus on growing revenue and sales in annuities, life insurance, group protection, and retirement plan services.
Stated in 4 of last 4 quarters. Annuities sales declined 13% year over year to $3.5 billion in 2026-Q2, while Life Insurance sales increased 79% to $216 million. Retirement Plan Services deposits grew 4% year over year. Management's focus on increasing revenue and sales shows mixed delivery with strong growth in Life Insurance but declines in Annuities sales.
Continue paying and sustaining dividend per share at $0.45 to support shareholder returns.
Stated in 5 of last 5 quarters. Dividend per share has been consistently maintained at $0.45 from 2025-Q2 through 2026-Q2, demonstrating management's commitment to sustaining and growing shareholder returns through dividends. The trajectory is delivering steady dividend payout.
Ensure holding company liquidity and capital ratios remain strong to support operations and strategic initiatives.
Stated in 4 of last 4 quarters. Holding company available liquidity, net of prefunding, increased from $461 million in 2025-Q3 to $903 million in 2026-Q2, reflecting a strong capital and liquidity position. Management's statements and financials show delivering progress in maintaining capital strength.
Continue disciplined strategic investments to support durable earnings and free cash flow growth over time.
Stated in 2 of last 4 quarters. Management emphasizes strategic investments to drive durable earnings and free cash flow growth. Financials show net income improving from a loss in early 2026 to positive $1.3 billion in 2026-Q2, indicating progress but limited direct quantification of investment impact so far.
“We are positioned to continue delivering more durable earnings and free cash flow, strategically investing to drive long-term growth.”
Over the trailing year it converted 3.69x of net income into operating cash flow.
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
11 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.
“Life Insurance and Retirement Plan Services reported strong earnings growth, Annuities business well positioned.”
“Group Protection delivered record first quarter earnings, Life Insurance and Retirement Plan Services generated strong earnings growth.”
“Life Insurance reported significant year-over-year earnings improvement, Group Protection delivered premium growth.”
“Focused on products and segments aligned with strategic and financial objectives, leveraging franchise strengths.”
“Dividend per share was $0.45.”
“Dividend per share was $0.45.”
“Dividend per share was $0.45.”
“Dividend per share was $0.45.”
“Dividend per share was $0.45.”
“Holding company available liquidity increased to $903 million, net of prefunding amounts.”
“Holding company available liquidity increased to $805 million, net of prefunding amounts.”
“Holding company available liquidity increased to $655 million, net of prefunding amounts.”
“Holding company available liquidity was $461 million.”
“The cumulative impact of actions taken are translating into a more resilient, higher-quality earnings profile.”