LINCOLN NATIONAL CORP LNC

Latest FY: 2025 Financial Services Insurance - Life
Market Price $45.45
Market Cap $8.66B
P/E Ratio 7.80
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↓-1.2% YoY
$18.21B
3-Yr CAGR: -1.0%
Net Income ↓-64.1% YoY
$1.18B
Net Margin: 6.5%
Free Cash Flow ↑91.7% YoY
-$167.00M
FCF Yield: -1.93%
EPS (Diluted) ↓-68.3% YoY
$5.83
Basic: $5.94
Return on Equity Efficiency
10.8%
ROA: 0.3%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (LNC)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $13,330.0M $8,307.0M $1,192.0M $5.03 $1,272.0M $1,272.0M
FY 2017 $14,257.0M +7.0% $8,844.0M $2,079.0M +74.4% $9.22 +83.3% $788.0M $788.0M -38.1%
FY 2018 $1,343.0M -90.6% $1,343.0M $1,641.0M -21.1% $7.40 -19.7% $1,943.0M $1,943.0M +146.6%
FY 2019 $17,258.0M +1,185.0% $13,896.0M $886.0M -46.0% $4.38 -40.8% $-2,686.0M $-2,686.0M -238.2%
FY 2020 $17,439.0M +1.0% $13,699.0M $499.0M -43.7% $2.56 -41.6% $534.0M $534.0M +119.9%
FY 2021 $19,230.0M +10.3% $15,064.0M $1,405.0M +181.6% $7.43 +190.2% $151.0M $151.0M -71.7%
FY 2022 $18,766.0M -2.4% $14,639.0M $-2,241.0M -259.5% $-13.19 -277.5% $3,609.0M $3,609.0M +2,290.1%
FY 2023 $11,645.0M -37.9% $5,176.0M $-752.0M +66.4% $-4.92 +62.7% $-2,074.0M $-2,074.0M -157.5%
FY 2024 $18,442.0M +58.4% $10,188.0M $3,275.0M +535.5% $18.41 +474.2% $-2,007.0M $-2,007.0M +3.2%
FY 2025 $18,212.0M -1.2% $10,025.0M $1,177.0M -64.1% $5.83 -68.3% $-167.0M $-167.0M +91.7%
$

Valuation

Market Price $45.45
Market Cap $8.66B
Enterprise Value $13.69B
P/E Ratio 7.80
P/B Ratio 0.80
FCF Yield -1.93%
Dividend Yield 3.96%
Shares Outstanding 191,213,200
%

Profitability & Margins

Gross Margin 55.05%
Operating Margin 7.35%
Net Margin 6.46%
Return on Equity (ROE) 10.79%
Return on Assets (ROA) 0.28%
Asset Turnover 0.04x
Revenue 3-Yr CAGR -0.99%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.611
Debt / Assets 0.016
Cash & Equivalents $1.63B
Total Debt $6.66B
Book Value / Share $57.04
💧

Cash Flow Efficiency

Operating Cash Flow -$167.00M
Capital Expenditures (CapEx) N/A
Free Cash Flow -$167.00M
OCF / Revenue -0.92%
FCF / Revenue -0.92%
FCF 3-Yr CAGR N/A
🏷️

Per Share Metrics

EPS (Diluted) $5.83
EPS (Basic) $5.94
Dividends / Share $1.80
Book Value / Share $57.04
EPS YoY Growth -68.33%
🏛️

Balance Sheet (FY 2025)

Total Assets $417.20B
Total Liabilities $417.20B
Stockholders' Equity $10.91B
Current Assets N/A
Current Liabilities N/A