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Lincoln National (CH:LCO)
NYSE: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
Adjusted Operating Income GrowthSeven consecutive quarters of adjusted operating income growth (16% YoY in Q1) signals durable operational improvement and execution against strategic initiatives. Sustained operating-income expansion strengthens core earnings power, supports internal reinvestment and dividends, and reduces reliance on one-time items for profitability.
Capital And Liquidity StrengthConsistently strong regulatory capital and liquidity (RBC >420% for multiple quarters, leverage at long-term target, material holding-company liquidity) provide a durable solvency cushion. This reduces regulatory and refinancing risk, enables strategic flexibility and makes the business more resilient to market stress over months to years.
Annuity Mix Rebalancing And Product GrowthA structural shift toward spread-based products (RILA, fixed annuities and FIAs) and strong FIA sales diversify earnings away from market-sensitive traditional VAs. Higher share of spread products and account-balance growth improve predictability of fee and spread income and reduce long-term sensitivity to equity market swings.
Bears Say
Weak Cash Flow QualityHistory of large negative operating cash flows followed by only modest positive TTM cash generation undermines confidence in earnings convertibility. Persistent cash volatility limits self-funding of liabilities, increases dependence on capital markets for liquidity and makes dividend and buyback sustainability more uncertain over the medium term.
Variable Annuity OutflowsSustained VA outflows materially shrink fee-bearing balances and reduce annuity spread revenue. Lower account values pressure recurring income, raise per-unit hedging costs and can force higher new-business focus to offset attrition — a structural headwind to long-term annuity earnings and capital generation unless mix shift continues.
Elevated Disability Loss Ratio / PFML ExposureHigher disability loss ratios linked to expanding PFML programs and adverse LTD resolutions indicate structural exposure to evolving state mandates and benefit trends. Persistent elevated claims would compress Group Protection margins and require pricing or underwriting pullbacks, reducing long-term profitability in that franchise.

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 CHF6.44B.
    When is Lincoln National’s upcoming earnings report date?
    Lincoln National’s upcoming earnings report date is Jul 30, 2026 which is in 3 days.
      How were Lincoln National’s earnings last quarter?
      Lincoln National released its earnings results on May 07, 2026. The company reported $1.352 earnings per share for the quarter, beating the consensus estimate of $1.286 by $0.066.
        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 1.59.
            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 $1.352 in its last earnings report, beating expectations of $1.286. 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

                Q1 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

                $37.16
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