Lincoln Financial (LNC)
NYSEFinancialsInsurance - LifeSnapshot 2026-11-05
$39.16-5.87%
Close 2026-11-05 · 1-day change
NYSEFinancialsInsurance - LifeSnapshot 2026-11-05
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 2026-11-05.
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 59% for the rest of the cohort, n=7714).
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.
We also remain confident in our ability to d rive disciplined, profitable growth, increase free cash flow and create long-term value for our shareholders.”
Stated in 3 of 4 supplied quarters. Management reported: “We also remain confident in our ability to d rive disciplined, profitable growth, increase free cash flow and create long-term value for our shareholders.”” “Spread-based products accounted for approximately two-thirds of total sales in the quarter, reflecting our continued strategic shift towards spread-based business.” Revenue was $5.481 billion in 2026-Q3.
“We also remain confident in our ability to d rive disciplined, profitable growth, increase free cash flow and create long-term value for our shareholders.””
“Life Insurance and Retirement Plan Services reported strong earnings growth, Group Protection extended its track record of excellent operating performance, and our Annuities business remained well po…”
“Spread-based products accounted for approximately two-thirds of total sales in the quarter, reflecting our continued strategic shift towards spread-based business.”
With significantly improved financial flexibility, we resumed share repurchases , an important step in expanding durable capital returns.
Stated in 3 of 4 supplied quarters. Management reported: “With significantly improved financial flexibility, we resumed share repurchases , an important step in expanding durable capital returns.” “In addition to the prefunding amounts related to our preferred stock, available liquidity at the holding company continues to grow, positioning us well to execute on our stated priorities over the next year and create durable, long-term value for shareholders."” Net income was $1.399 billion in 2026-Q3.
1 Business Highlights Our 2026 third quarter performance demonstrated continued execution against our financial and strategic objectives.
Stated in 3 of 4 supplied quarters. Management reported: “1 Business Highlights Our 2026 third quarter performance demonstrated continued execution against our financial and strategic objectives.” “• Strong second quarter performance and improved profitability, reflecting continued progress against our strategic and financial objectives.” Diluted EPS was $6.77 in 2026-Q3.
Continue executing strategic and financial objectives to grow earnings and operating income across all business segments.
Focus on growing revenue and sales in annuities, life insurance, group protection, and retirement plan services.
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, long-term interest rates, real (inflation-adjusted) 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 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.
“With significantly improved financial flexibility, we resumed share repurchases , an important step in expanding durable capital returns.”
“In addition to the prefunding amounts related to our preferred stock, available liquidity at the holding company continues to grow, positioning us well to execute on our stated priorities over the ne…”
“"The cumulative impact of the actions we’ve taken — strengthening our capital foundation, optimizing our operating model, and diversifying our business mix — are translating into a more resilient, hi…”
“1 Business Highlights Our 2026 third quarter performance demonstrated continued execution against our financial and strategic objectives.”
“• Strong second quarter performance and improved profitability, reflecting continued progress against our strategic and financial objectives.”
“• Sustained progress against strategic and financial objectives drove solid first quarter performance.”