Lincoln National Corporation (LNC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Lincoln National Corporation stock (LNC) is currently trading at $35.93. Lincoln National Corporation PE ratio is 6.16. Lincoln National Corporation PS ratio (Price-to-Sales) is 0.37. Analyst consensus price target for LNC is $45.67. WallStSmart rates LNC as Hold.
- LNC PE ratio analysis and historical PE chart
- LNC PS ratio (Price-to-Sales) history and trend
- LNC intrinsic value — DCF, Graham Number, EPV models
- LNC stock price prediction 2025 2026 2027 2028 2029 2030
- LNC fair value vs current price
- LNC insider transactions and insider buying
- Is LNC undervalued or overvalued?
- Lincoln National Corporation financial analysis — revenue, earnings, cash flow
- LNC Piotroski F-Score and Altman Z-Score
- LNC analyst price target and Smart Rating
Lincoln National Corporation
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LNC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Lincoln National Corporation (LNC)
LNC is trading near its Graham intrinsic value of $39.64, suggesting the stock is reasonably priced at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Lincoln National Corporation (LNC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Concerns around revenue growth and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Lincoln National Corporation (LNC) Key Strengths (5)
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
85.06% of shares held by major funds and institutions
Good growth relative to its price
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Lincoln National Corporation (LNC) Areas to Watch (5)
Revenue declining -3.10%, a shrinking business
Earnings declining -60.70%, profits shrinking
Thin operating margins with cost pressures present
Thin profit margins with limited profitability
Moderate profitability with room for improvement
Lincoln National Corporation (LNC) Detailed Analysis Report
Overall Assessment
This company scores 59/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 2.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book, Institutional Own.. Valuation metrics including PEG Ratio (1.01), Price/Sales (0.37), Price/Book (0.65) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Operating Margin. Growth concerns include Revenue Growth at -3.10%, EPS Growth at -60.70%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.30%, Operating Margin at 12.90%, Profit Margin at 6.44%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.30% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -3.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Sales, Price/Book) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
LNC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
LNC's Price-to-Sales ratio of 0.37x trades at a deep discount to its historical average of 0.81x (12th percentile). The current valuation is 84% below its historical high of 2.3x set in Dec 2006, and 108% above its historical low of 0.18x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Lincoln National Corporation (LNC) · FINANCIAL SERVICES › INSURANCE - LIFE
The Big Picture
Lincoln National Corporation operates as a stable business with moderate growth and solid fundamentals. Revenue reached 18.3B with 310% decline year-over-year. Profit margins are thin at 6.4%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 1230.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 233M in free cash flow and 233M in operating cash flow. Earnings are translating into actual cash generation.
Revenue contracted 310% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Margin expansion: can Lincoln National Corporation push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 5.1%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor INSURANCE - LIFE industry trends, competitive moves, and regulatory changes that could impact Lincoln National Corporation.
Bottom Line
Lincoln National Corporation offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(57 last 3 months)
| Insider | Type | Shares |
|---|---|---|
CHARTERS, JENNIFER EVP, Chief Information Officer | Buy | +300 |
| Insider | Type | Shares |
|---|---|---|
WOODROFFE, SEAN EVP, Ch Ppl Comms Ent Srvc Off | Sell | -8,000 |
| Insider | Type | Shares |
|---|---|---|
WOODROFFE, SEAN EVP, Ch Ppl Comms Ent Srvc Off | Sell | -10,000 |
| Insider | Type | Shares |
|---|---|---|
WOODROFFE, SEAN EVP, Ch Ppl Comms Ent Srvc Off | Buy | +10,204.08 |
| Insider | Type | Shares |
|---|---|---|
LINCOLN, NATIONAL LIFE INSURANCE CO /IN/ 10% Owner | Buy | +2,254,485.529 |
| Insider | Type | Shares |
|---|---|---|
REID, JAMES WALTMAN EVP Workplace Solutions | Sell | -3,050 |
| Insider | Type | Shares |
|---|---|---|
KELLY, GARY C Director | Buy | +35,474.99 |
Data sourced from SEC Form 4 filings
Last updated: 8:27:07 AM
About Lincoln National Corporation(LNC)
NYSE
FINANCIAL SERVICES
INSURANCE - LIFE
USA
Lincoln National Corporation is an American holding company, which operates multiple insurance and investment management businesses through subsidiary companies. Lincoln Financial Group is the marketing name for LNC and its subsidiary companies.