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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 0.59
LNC's Cash to Debt is ranked higher than
68% of the 180 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.83 vs. LNC: 0.59 )
LNC' s 10-Year Cash to Debt Range
Min: 0.19   Max: 4.7
Current: 0.59

0.19
4.7
Equity to Asset 0.06
LNC's Equity to Asset is ranked higher than
74% of the 185 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.07 vs. LNC: 0.06 )
LNC' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.08
Current: 0.06

0.04
0.08
Interest Coverage 7.48
LNC's Interest Coverage is ranked higher than
73% of the 146 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.55 vs. LNC: 7.48 )
LNC' s 10-Year Interest Coverage Range
Min: 1.38   Max: 13.36
Current: 7.48

1.38
13.36
F-Score: 7
Z-Score: 0.15
WACC vs ROIC
13.21%
8.49%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 14.13
LNC's Operating margin (%) is ranked higher than
89% of the 185 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.77 vs. LNC: 14.13 )
LNC' s 10-Year Operating margin (%) Range
Min: -6.13   Max: 21.63
Current: 14.13

-6.13
21.63
Net-margin (%) 10.86
LNC's Net-margin (%) is ranked higher than
90% of the 185 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.49 vs. LNC: 10.86 )
LNC' s 10-Year Net-margin (%) Range
Min: -5.71   Max: 19.07
Current: 10.86

-5.71
19.07
ROE (%) 9.61
LNC's ROE (%) is ranked higher than
78% of the 185 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.33 vs. LNC: 9.61 )
LNC' s 10-Year ROE (%) Range
Min: -4.93   Max: 19.76
Current: 9.61

-4.93
19.76
ROA (%) 0.59
LNC's ROA (%) is ranked higher than
76% of the 185 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.64 vs. LNC: 0.59 )
LNC' s 10-Year ROA (%) Range
Min: -0.28   Max: 1.25
Current: 0.59

-0.28
1.25
Revenue Growth (3Y)(%) 14.40
LNC's Revenue Growth (3Y)(%) is ranked higher than
85% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. LNC: 14.40 )
LNC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -27.1   Max: 33.2
Current: 14.4

-27.1
33.2
EBITDA Growth (3Y)(%) 49.50
LNC's EBITDA Growth (3Y)(%) is ranked higher than
99% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.70 vs. LNC: 49.50 )
LNC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -56.1   Max: 125
Current: 49.5

-56.1
125
EPS Growth (3Y)(%) 99.00
LNC's EPS Growth (3Y)(%) is ranked higher than
97% of the 160 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.30 vs. LNC: 99.00 )
LNC' s 10-Year EPS Growth (3Y)(%) Range
Min: -51.6   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

Q2 2014

LNC Guru Trades in Q2 2014

Ray Dalio 29,792 sh (+37.18%)
David Dreman 5,993 sh (+15.41%)
Pioneer Investments 1,404,354 sh (+1.76%)
Ronald Muhlenkamp 308,235 sh (+0.08%)
John Keeley 15,757 sh (unchged)
Bill Frels 20,000 sh (unchged)
Bruce Berkowitz 44,400 sh (unchged)
Louis Moore Bacon Sold Out
Joel Greenblatt Sold Out
Chuck Royce Sold Out
George Soros Sold Out
Paul Tudor Jones 7,316 sh (-16.26%)
Jeremy Grantham 55,300 sh (-71.00%)
» More
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%)
Pioneer Investments 1,481,688 sh (unchged)
John Keeley 15,757 sh (unchged)
Bill Frels 20,000 sh (unchged)
Ronald Muhlenkamp 308,235 sh (unchged)
Bruce Berkowitz 44,400 sh (unchged)
Paul Tudor Jones 5,832 sh (-20.28%)
» More
Q4 2014

LNC Guru Trades in Q4 2014

Joel Greenblatt 4,746 sh (New)
Steven Cohen 118,700 sh (New)
John Keeley 22,657 sh (+43.79%)
Paul Tudor Jones 6,473 sh (+10.99%)
David Dreman 6,308 sh (+2.64%)
Bill Frels 20,000 sh (unchged)
Ronald Muhlenkamp 308,235 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
» 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) 10.50
LNC's P/E(ttm) is ranked higher than
92% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.00 vs. LNC: 10.50 )
LNC' s 10-Year P/E(ttm) Range
Min: 2.47   Max: 109.84
Current: 10.5

2.47
109.84
Forward P/E 8.62
LNC's Forward P/E is ranked higher than
93% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.83 vs. LNC: 8.62 )
N/A
PE(NRI) 10.50
LNC's PE(NRI) is ranked higher than
94% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.20 vs. LNC: 10.50 )
LNC' s 10-Year PE(NRI) Range
Min: 2.16   Max: 223.33
Current: 10.5

2.16
223.33
P/B 0.90
LNC's P/B is ranked higher than
84% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.90 vs. LNC: 0.90 )
LNC' s 10-Year P/B Range
Min: 0.17   Max: 2.61
Current: 0.9

0.17
2.61
P/S 1.10
LNC's P/S is ranked higher than
74% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.05 vs. LNC: 1.10 )
LNC' s 10-Year P/S Range
Min: 0.15   Max: 2.05
Current: 1.1

0.15
2.05
POCF 6.06
LNC's POCF is ranked higher than
83% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.58 vs. LNC: 6.06 )
LNC' s 10-Year POCF Range
Min: 2.56   Max: 22.14
Current: 6.06

2.56
22.14
EV-to-EBIT 7.93
LNC's EV-to-EBIT is ranked higher than
91% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.64 vs. LNC: 7.93 )
LNC' s 10-Year EV-to-EBIT Range
Min: -43.5   Max: 24.2
Current: 7.93

-43.5
24.2
Shiller P/E 18.30
LNC's Shiller P/E is ranked higher than
82% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 26.77 vs. LNC: 18.30 )
LNC' s 10-Year Shiller P/E Range
Min: 1.48   Max: 34.22
Current: 18.3

1.48
34.22
Days Sales Outstanding 12.06
LNC's Days Sales Outstanding is ranked higher than
96% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. LNC: 12.06 )
LNC' s 10-Year Days Sales Outstanding Range
Min: 11.74   Max: 541.52
Current: 12.06

11.74
541.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.20
LNC's Dividend Yield is ranked lower than
66% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.02 vs. LNC: 1.20 )
LNC' s 10-Year Dividend Yield Range
Min: 0.12   Max: 27.13
Current: 1.2

0.12
27.13
Dividend Payout 0.12
LNC's Dividend Payout is ranked higher than
94% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.46 vs. LNC: 0.12 )
LNC' s 10-Year Dividend Payout Range
Min: 0.01   Max: 4.27
Current: 0.12

0.01
4.27
Dividend growth (3y) 40.70
LNC's Dividend growth (3y) is ranked higher than
95% of the 138 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.70 vs. LNC: 40.70 )
LNC' s 10-Year Dividend growth (3y) Range
Min: -67.3   Max: 81.7
Current: 40.7

-67.3
81.7
Yield on cost (5-Year) 18.87
LNC's Yield on cost (5-Year) is ranked higher than
99% of the 170 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.69 vs. LNC: 18.87 )
LNC' s 10-Year Yield on cost (5-Year) Range
Min: 1.89   Max: 426.53
Current: 18.87

1.89
426.53
Share Buyback Rate 5.20
LNC's Share Buyback Rate is ranked higher than
95% of the 152 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. LNC: 5.20 )
LNC' s 10-Year Share Buyback Rate Range
Min: 20.6   Max: -20.7
Current: 5.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.06
LNC's Price/Tangible Book is ranked higher than
86% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.57 vs. LNC: 1.06 )
LNC' s 10-Year Price/Tangible Book Range
Min: 0.43   Max: 11.78
Current: 1.06

0.43
11.78
Price/DCF (Projected) 1.17
LNC's Price/DCF (Projected) is ranked higher than
80% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.26 vs. LNC: 1.17 )
LNC' s 10-Year Price/DCF (Projected) Range
Min: 0.29   Max: 4.62
Current: 1.17

0.29
4.62
Price/Median PS Value 1.03
LNC's Price/Median PS Value is ranked higher than
83% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.14 vs. LNC: 1.03 )
LNC' s 10-Year Price/Median PS Value Range
Min: 0.17   Max: 1.74
Current: 1.03

0.17
1.74
Price/Peter Lynch Fair Value 0.47
LNC's Price/Peter Lynch Fair Value is ranked higher than
98% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. LNC: 0.47 )
LNC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.43   Max: 8.09
Current: 0.47

0.43
8.09
Price/Graham Number 0.68
LNC's Price/Graham Number is ranked higher than
92% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.43 vs. LNC: 0.68 )
LNC' s 10-Year Price/Graham Number Range
Min: 0.46   Max: 3.65
Current: 0.68

0.46
3.65
Earnings Yield (Greenblatt) 12.60
LNC's Earnings Yield (Greenblatt) is ranked higher than
87% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.30 vs. LNC: 12.60 )
LNC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.1   Max: 30.4
Current: 12.6

4.1
30.4
Forward Rate of Return (Yacktman) 22.35
LNC's Forward Rate of Return (Yacktman) is ranked higher than
86% of the 153 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.89 vs. LNC: 22.35 )
LNC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -9.6   Max: 59.7
Current: 22.35

-9.6
59.7

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 Annuities segment provides tax-deferred investment growth and lifetime income opportunities for its clients by offering fixed (including indexed) and variable annuities. The Retirement Plan Services segment provides employers with retirement plan products and services, mainly in the defined contribution retirement plan marketplace. The 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 Group Protection segment offers group non-medical insurance products, principally term life, disability and dental, to the employer marketplace through various forms of contributory and noncontributory plans. Its insurance subsidiaries 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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Lincoln National (LNC) Falls Despite Rise in Share Buyback - Analyst Blog May 25 2015
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Coverage initiated on Lincoln National by Goldman May 15 2015
Lincoln Financial Group to Hold Annual Meeting of Shareholders on May 21, 2015 May 12 2015
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