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Lincoln National (CH:LCO)
:LCO

Lincoln National (LCO) Price & Analysis

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LCO Stock Chart & Stats

Currently, no data available
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Bulls Say, Bears Say

Bulls Say
Improving Profitability And ROERecent TTM results show a durable recovery in core profitability with net income of $2.36B and ROE near 22%. Sustained higher returns on equity and positive margins support internal capital generation and pricing power across insurance and annuity lines, improving long-term earnings resilience.
Diversified Annuities Mix And Account GrowthShifting mix toward spread-based products (RILA, fixed annuities, FIAs) and rising account balances diversify revenue sources and reduce reliance on market-linked VA margins. This structural repricing of sales supports steadier spread income and lowers sensitivity to equity market swings over the medium term.
Strong Capital And Liquidity MetricsConsistently high RBC, reduced leverage to target levels and meaningful holding-company liquidity provide durable financial flexibility. This supports regulatory capital adequacy, capacity for strategic actions (M&A, buybacks, liability management) and resilience through market cycles.
Bears Say
Weak Operating And Free Cash FlowNegative and inconsistent cash conversion despite reported profitability undermines the company’s ability to fund dividends, buybacks, or de-lever without issuing capital. Persistent cash outflows force reliance on capital markets or liability management, raising execution risk over the medium term.
Material Variable Annuity Net OutflowsSizable and recurring VA outflows erode fee-bearing balances and reduce spread income over time. Sustained outflows pressure revenue stability, require higher new business to replace economics, and can increase hedging costs and operating leverage in adverse markets.
Elevated Disability Loss Ratio And PFML SeverityHigher disability and PFML claims create structural pressure on Group Protection margins and underwriting discipline. New state PFML implementations can persistently raise loss costs and require pricing, reserving or product redesigns, reducing predictability of earnings in affected lines.

Lincoln National News

LCO FAQ

What was Lincoln National’s price range in the past 12 months?
Currently, no data Available
What is Lincoln National’s market cap?
Lincoln National’s market cap is CHF7.06B.
    When is Lincoln National’s upcoming earnings report date?
    Lincoln National’s upcoming earnings report date is Nov 04, 2026 which is in 88 days.
      How were Lincoln National’s earnings last quarter?
      Lincoln National released its earnings results on Jul 30, 2026. The company reported CHF1.815 earnings per share for the quarter, beating the consensus estimate of CHF1.586 by CHF0.228.
        Is Lincoln National overvalued?
        According to Wall Street analysts Lincoln National’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
          Does Lincoln National pay dividends?
          Lincoln National does not currently pay dividends.
          What is Lincoln National’s EPS estimate?
          Lincoln National’s EPS estimate is 1.65.
            How many shares outstanding does Lincoln National have?
            Currently, no data Available
            What happened to Lincoln National’s price movement after its last earnings report?
            Lincoln National reported an EPS of CHF1.815 in its last earnings report, beating expectations of CHF1.586. Following the earnings report the stock price went same N/A.
              Which hedge fund is a major shareholder of Lincoln National?
              Currently, no hedge funds are holding shares in CH:LCO
              What is the TipRanks Smart Score and how is it calculated?
              Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                Company Description

                Lincoln National

                Lincoln National Corporation (LNC) is a U.S.-based financial services company primarily involved in the insurance and retirement sectors. Operating through various subsidiaries, its operations are structured across four key divisions: Annuities, Retirement Plan Services, Life Insurance, and Group Protection. The Annuities division provides a range of annuity products, including fixed, variable, and indexed variable options. Its Retirement Plan Services segment caters to employers, focusing predominantly on the defined contribution market. This unit delivers a suite of retirement solutions, encompassing individual and group variable and fixed annuities, alongside mutual fund-based programs. Furthermore, it offers comprehensive plan administration services such as recordkeeping, compliance verification, participant education, and trust and custodial support. The Life Insurance segment delivers various life coverage options, from term insurance to universal life products, specifically single and survivorship universal life, variable universal life, and indexed universal life policies. It also makes available critical illness and long-term care riders to enhance these plans. Finally, the Group Protection segment focuses on providing non-medical group insurance benefits and services to the employer sector. Its offerings include short-term and long-term disability, statutory disability, paid family medical leave administration, and absence management. Additionally, it offers group term life, dental, vision, accident, and critical illness coverage, all available through both employee-contributed and employer-funded schemes. Lincoln National distributes its financial products and services through an extensive network of consultants, brokers, planners, agents, financial advisors, third-party administrators, and other intermediary partners. Established in 1905, Lincoln National Corporation maintains its headquarters in Radnor, Pennsylvania.

                Lincoln National (LCO) Earnings & Revenues

                LCO Company Deck

                LCO Earnings Call

                Q2 2026
                0:00 / 0:00
                Earnings Call Sentiment|Positive
                The call communicated a clear net-positive operational and capital story: adjusted operating income growth (16% YoY), diversified and improving business mix (notably in Group Protection, Life, FIAs and spread-based annuities), strong alternative investment returns, and solid capital and liquidity metrics (RBC >420%, leverage at 25%, holding company liquidity ~ $805M net). Near-term challenges include a GAAP net loss driven by market-related items, sizable variable annuity outflows, a higher disability loss ratio (PFML and LTD resolution impacts), a one-time tax true-up and some sequential pressure in annuity balances/fee income. Management framed these headwinds as manageable and largely expected within their strategic transition. Overall, positive execution and financial flexibility outweigh the near-term operational and market-driven headwinds.View all CH:LCO earnings summaries

                LCO Stock 12 Month Forecast

                Average Price Target

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