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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.42
LNC's Cash to Debt is ranked lower than
86% of the 78 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.06 vs. LNC: 0.42 )
Ranked among companies with meaningful Cash to Debt only.
LNC' s 10-Year Cash to Debt Range
Min: 0.19  Med: 0.78 Max: 4.7
Current: 0.42
0.19
4.7
Equity to Asset 0.06
LNC's Equity to Asset is ranked lower than
63% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. LNC: 0.06 )
Ranked among companies with meaningful Equity to Asset only.
LNC' s 10-Year Equity to Asset Range
Min: 0.04  Med: 0.06 Max: 0.08
Current: 0.06
0.04
0.08
Interest Coverage 7.48
LNC's Interest Coverage is ranked lower than
71% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.17 vs. LNC: 7.48 )
Ranked among companies with meaningful Interest Coverage only.
LNC' s 10-Year Interest Coverage Range
Min: 1.38  Med: 6.95 Max: 13.36
Current: 7.48
1.38
13.36
F-Score: 5
WACC vs ROIC
11.26%
8.19%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 13.39
LNC's Operating margin (%) is ranked higher than
69% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.42 vs. LNC: 13.39 )
Ranked among companies with meaningful Operating margin (%) only.
LNC' s 10-Year Operating margin (%) Range
Min: -6.13  Med: 13.38 Max: 21.63
Current: 13.39
-6.13
21.63
Net-margin (%) 10.39
LNC's Net-margin (%) is ranked higher than
74% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.25 vs. LNC: 10.39 )
Ranked among companies with meaningful Net-margin (%) only.
LNC' s 10-Year Net-margin (%) Range
Min: -5.71  Med: 9.56 Max: 19.07
Current: 10.39
-5.71
19.07
ROE (%) 9.23
LNC's ROE (%) is ranked lower than
55% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.86 vs. LNC: 9.23 )
Ranked among companies with meaningful ROE (%) only.
LNC' s 10-Year ROE (%) Range
Min: -5.29  Med: 9.83 Max: 19.76
Current: 9.23
-5.29
19.76
ROA (%) 0.57
LNC's ROA (%) is ranked lower than
60% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.73 vs. LNC: 0.57 )
Ranked among companies with meaningful ROA (%) only.
LNC' s 10-Year ROA (%) Range
Min: -0.28  Med: 0.58 Max: 1.25
Current: 0.57
-0.28
1.25
Revenue Growth (3Y)(%) 14.40
LNC's Revenue Growth (3Y)(%) is ranked higher than
62% of the 71 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.60 vs. LNC: 14.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
LNC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -27.1  Med: 4.60 Max: 33.2
Current: 14.4
-27.1
33.2
EBITDA Growth (3Y)(%) 43.80
LNC's EBITDA Growth (3Y)(%) is ranked higher than
96% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.10 vs. LNC: 43.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
LNC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -56.1  Med: 7.80 Max: 125
Current: 43.8
-56.1
125
EPS Growth (3Y)(%) 99.00
LNC's EPS Growth (3Y)(%) is ranked higher than
94% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.10 vs. LNC: 99.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
LNC' s 10-Year EPS Growth (3Y)(%) Range
Min: -51.6  Med: 11.80 Max: 202
Current: 99
-51.6
202
» LNC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

LNC Guru Trades in Q3 2014

Jeremy Grantham 79,800 sh (+44.30%)
Ray Dalio 32,492 sh (+9.06%)
David Dreman 6,146 sh (+2.55%)
John Keeley 15,757 sh (unchged)
Bruce Berkowitz 44,400 sh (unchged)
Bill Frels 20,000 sh (unchged)
Pioneer Investments 1,481,688 sh (unchged)
Ronald Muhlenkamp 308,235 sh (unchged)
Paul Tudor Jones 5,832 sh (-20.28%)
» More
Q4 2014

LNC Guru Trades in Q4 2014

Steven Cohen 118,700 sh (New)
Joel Greenblatt 4,746 sh (New)
John Keeley 22,657 sh (+43.79%)
Paul Tudor Jones 6,473 sh (+10.99%)
David Dreman 6,308 sh (+2.64%)
Ronald Muhlenkamp 308,235 sh (unchged)
Bill Frels 20,000 sh (unchged)
Bruce Berkowitz Sold Out
Ray Dalio 31,492 sh (-3.08%)
Pioneer Investments 1,386,040 sh (-6.46%)
Jeremy Grantham 66,800 sh (-16.29%)
» More
Q1 2015

LNC Guru Trades in Q1 2015

Paul Tudor Jones 21,263 sh (+228.49%)
David Dreman 8,678 sh (+37.57%)
Jeremy Grantham 71,800 sh (+7.49%)
John Keeley 22,857 sh (+0.88%)
Ronald Muhlenkamp 308,310 sh (+0.02%)
Bill Frels 20,000 sh (unchged)
Steven Cohen Sold Out
Ray Dalio 28,021 sh (-11.02%)
Joel Greenblatt 3,954 sh (-16.69%)
Pioneer Investments 1,113,685 sh (-19.65%)
» More
Q2 2015

LNC Guru Trades in Q2 2015

Jim Simons 119,174 sh (New)
Ray Dalio 46,621 sh (+66.38%)
Pioneer Investments 1,280,961 sh (+15.02%)
David Dreman 9,298 sh (+7.14%)
John Keeley 22,857 sh (unchged)
Bill Frels Sold Out
Joel Greenblatt 3,616 sh (-8.55%)
Jeremy Grantham 58,000 sh (-19.22%)
Ronald Muhlenkamp 208,505 sh (-32.37%)
Paul Tudor Jones 8,526 sh (-59.90%)
» More
» Details

Insider Trades

Latest Guru Trades with LNC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 9.46
LNC's P/E(ttm) is ranked higher than
78% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.30 vs. LNC: 9.46 )
Ranked among companies with meaningful P/E(ttm) only.
LNC' s 10-Year P/E(ttm) Range
Min: 2.47  Med: 11.48 Max: 109.84
Current: 9.46
2.47
109.84
Forward P/E 7.33
LNC's Forward P/E is ranked higher than
88% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.49 vs. LNC: 7.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 9.30
LNC's PE(NRI) is ranked higher than
77% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.20 vs. LNC: 9.30 )
Ranked among companies with meaningful PE(NRI) only.
LNC' s 10-Year PE(NRI) Range
Min: 2.16  Med: 11.35 Max: 223.33
Current: 9.3
2.16
223.33
P/B 0.87
LNC's P/B is ranked higher than
65% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.22 vs. LNC: 0.87 )
Ranked among companies with meaningful P/B only.
LNC' s 10-Year P/B Range
Min: 0.17  Med: 0.89 Max: 2.54
Current: 0.87
0.17
2.54
P/S 0.97
LNC's P/S is ranked lower than
54% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.89 vs. LNC: 0.97 )
Ranked among companies with meaningful P/S only.
LNC' s 10-Year P/S Range
Min: 0.15  Med: 1.09 Max: 2.05
Current: 0.97
0.15
2.05
POCF 4.98
LNC's POCF is ranked lower than
51% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.85 vs. LNC: 4.98 )
Ranked among companies with meaningful POCF only.
LNC' s 10-Year POCF Range
Min: 2.56  Med: 6.74 Max: 22.14
Current: 4.98
2.56
22.14
EV-to-EBIT 7.58
LNC's EV-to-EBIT is ranked higher than
64% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.05 vs. LNC: 7.58 )
Ranked among companies with meaningful EV-to-EBIT only.
LNC' s 10-Year EV-to-EBIT Range
Min: -43.5  Med: 8.40 Max: 23.4
Current: 7.58
-43.5
23.4
Shiller P/E 14.42
LNC's Shiller P/E is ranked higher than
58% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.05 vs. LNC: 14.42 )
Ranked among companies with meaningful Shiller P/E only.
LNC' s 10-Year Shiller P/E Range
Min: 1.48  Med: 16.31 Max: 34.22
Current: 14.42
1.48
34.22
Days Sales Outstanding 10.99
LNC's Days Sales Outstanding is ranked higher than
84% of the 37 Companies
in the Global Insurance - Life industry.

( Industry Median: 33.93 vs. LNC: 10.99 )
Ranked among companies with meaningful Days Sales Outstanding only.
LNC' s 10-Year Days Sales Outstanding Range
Min: 11.75  Med: 16.30 Max: 541.52
Current: 10.99
11.75
541.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.48
LNC's Dividend Yield is ranked lower than
119% of the 100 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.43 vs. LNC: 1.48 )
Ranked among companies with meaningful Dividend Yield only.
LNC' s 10-Year Dividend Yield Range
Min: 0.12  Med: 1.33 Max: 27.13
Current: 1.48
0.12
27.13
Dividend Payout 0.13
LNC's Dividend Payout is ranked higher than
89% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. LNC: 0.13 )
Ranked among companies with meaningful Dividend Payout only.
LNC' s 10-Year Dividend Payout Range
Min: 0.01  Med: 0.33 Max: 4.27
Current: 0.13
0.01
4.27
Dividend growth (3y) 40.70
LNC's Dividend growth (3y) is ranked higher than
85% of the 53 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 vs. LNC: 40.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
LNC' s 10-Year Dividend growth (3y) Range
Min: -67.3  Med: 5.00 Max: 81.7
Current: 40.7
-67.3
81.7
Yield on cost (5-Year) 23.27
LNC's Yield on cost (5-Year) is ranked higher than
98% of the 103 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.49 vs. LNC: 23.27 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
LNC' s 10-Year Yield on cost (5-Year) Range
Min: 1.89  Med: 20.91 Max: 426.53
Current: 23.27
1.89
426.53
Share Buyback Rate 5.20
LNC's Share Buyback Rate is ranked higher than
87% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. LNC: 5.20 )
Ranked among companies with meaningful Share Buyback Rate only.
LNC' s 10-Year Share Buyback Rate Range
Min: 20.6  Med: 0.80 Max: -20.7
Current: 5.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.94
LNC's Price/Tangible Book is ranked lower than
87% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.51 vs. LNC: 3.94 )
Ranked among companies with meaningful Price/Tangible Book only.
LNC' s 10-Year Price/Tangible Book Range
Min: 0.43  Med: 2.03 Max: 11.78
Current: 3.94
0.43
11.78
Price/Projected FCF 1.12
LNC's Price/Projected FCF is ranked lower than
74% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.56 vs. LNC: 1.12 )
Ranked among companies with meaningful Price/Projected FCF only.
LNC' s 10-Year Price/Projected FCF Range
Min: 0.29  Med: 1.06 Max: 3.6
Current: 1.12
0.29
3.6
Price/Median PS Value 0.90
LNC's Price/Median PS Value is ranked higher than
69% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.98 vs. LNC: 0.90 )
Ranked among companies with meaningful Price/Median PS Value only.
LNC' s 10-Year Price/Median PS Value Range
Min: 0.17  Med: 1.08 Max: 1.75
Current: 0.9
0.17
1.75
Price/Peter Lynch Fair Value 0.47
LNC's Price/Peter Lynch Fair Value is ranked higher than
87% of the 31 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.17 vs. LNC: 0.47 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
LNC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.45  Med: 0.86 Max: 8.09
Current: 0.47
0.45
8.09
Price/Graham Number 1.26
LNC's Price/Graham Number is ranked lower than
70% of the 71 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.91 vs. LNC: 1.26 )
Ranked among companies with meaningful Price/Graham Number only.
LNC' s 10-Year Price/Graham Number Range
Min: 0.37  Med: 1.21 Max: 3.65
Current: 1.26
0.37
3.65
Earnings Yield (Greenblatt) (%) 13.16
LNC's Earnings Yield (Greenblatt) (%) is ranked higher than
69% of the 81 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.70 vs. LNC: 13.16 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
LNC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.3  Med: 11.50 Max: 30.4
Current: 13.16
4.3
30.4
Forward Rate of Return (Yacktman) (%) 19.99
LNC's Forward Rate of Return (Yacktman) (%) is ranked higher than
61% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.15 vs. LNC: 19.99 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
LNC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -9  Med: 20.00 Max: 62.5
Current: 19.99
-9
62.5

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 13,550 13,973 14,647
EPS($) 6.03 6.75 7.37
EPS without NRI($) 6.03 6.75 7.37

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Traded in other countries:LCO.Germany,
Lincoln National Corp was organized under the laws of the state of Indiana in 1968. The Company is a holding company operating multiple insurance and retirement businesses through subsidiary companies. Through its business segments the Company sells wealth protection, accumulation and retirement income products and solutions. Its products include fixed and indexed annuities, variable annuities, universal life insurance, variable universal life insurance, linked-benefit UL, term life insurance, indexed universal life insurance, employer-sponsored retirement plans and services, and group life, disability and dental. The Company provides products and services through four segments as follow: Annuities, Retirement Plan Services, Life Insurance, and Group Protection. The Company's Annuities segment provides tax-deferred investment growth and lifetime income opportunities for its clients by offering fixed (including indexed) and variable annuities. The Company's Retirement Plan Services segment provides employers with retirement plan products and services, mainly in the defined contribution retirement plan marketplace. The Company's Life Insurance segment is engaged in the creation and protection of wealth for its clients by providing life insurance products, including term insurance, a linked-benefit product, indexed UL, and both single and survivorship versions of UL and VUL products. The Company's Protection segment offers group non-medical insurance products, including term life, disability and dental, to the employer marketplace through various forms of contributory and noncontributory plans. The Company faces competition from insurers, broker-dealers, financial advisors, asset managers, hedge funds and other financial institutions. The Company's business is subject to regulation and supervision by the states, territories and countries in which is licensed to do business.
» More Articles for LNC

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