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Lincoln NationalFRA:LCO -0.76%67 Interest Coverage is 21.04 as of Jun. 2026, which is 205% above its 10-year median of 6.89. GuruFocus rates FRA:LCO with a GF Score™ of 67/100 and a GF Value™ of €39.91 (Fairly Valued). The stock has 8 warning signs investors should review. Among 351 Insurance companies, Lincoln National ranks worse than 63.53% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Lincoln National's
EBIT
for the
three
months ended in Jun. 2026 was €1,497 Mil. Lincoln National's Interest Expense for the
three
months ended in Jun. 2026 was €-71 Mil.
Lincoln National's interest coverage for the quarter that ended in Jun. 2026 was 21.04.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Lincoln National's Interest Coverage or its related term are showing as below:
FRA:LCO'
s Interest Coverage Range Over the Past 10 Years
Min: 2.49 Med: 6.89 Max: 18.2
Current: 9.78
FRA:LCO's Interest Coverage is ranked worse than 63.53% of 351
companies
in the Insurance industry
Industry Median: 16
vs FRA:LCO: 9.78
Lincoln National (FRA:LCO) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Lincoln National Interest Coverage Related Terms
Lincoln National Interest Coverage Historical Data
* Premium members only.
The historical data trend for Lincoln National's Interest Coverage can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
FRA:LCO vs JXN, PRI, CNO: Interest Coverage Comparison
For the Insurance - Life subindustry, Lincoln National's Interest Coverage, along with its competitors' market caps and Interest Coverage data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Lincoln National Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Lincoln National's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Lincoln National's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Lincoln National (FRA:LCO) has a Interest Coverage of 21.04 as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Lincoln National and its competitors. This is 205% above median its historical median of 6.89. Over the past decade, Lincoln National's Interest Coverage has ranged from 2.49 to 18.20. According to the industry distribution chart, Lincoln National ranks #223 out of 351 companies in the Insurance industry, placing it in the top 63.5%.
Is Lincoln National's Interest Coverage too high?
Lincoln National's current Interest Coverage of 21.04 is 205% above median its 10-year median of 6.89. Over the past 10 years, this metric has ranged from a low of 2.49 to a high of 18.20. The Insurance industry median Interest Coverage is 16.00. Lincoln National's value of 21.04 is 31.5% above this industry median. Based on the distribution chart, Lincoln National ranks #223 out of 351 companies in the Insurance industry, which is below the industry midpoint. Overall, Lincoln National has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Lincoln National's Interest Coverage compare to JXN and PRI?
According to the Insurance industry distribution chart, Lincoln National ranks #223 out of 351 companies for Interest Coverage. This places Lincoln National in the lower half of its industry. The industry median Interest Coverage is 16.00. Lincoln National's value of 21.04 is 31.5% above this benchmark. Historically, Lincoln National's own Interest Coverage has ranged from 2.49 to 18.20 over the past decade. While the company's 10-year median is 6.89 vs. the industry median of 16.00, Lincoln National has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.00, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lincoln National's current Interest Coverage of 21.04 is 31.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Lincoln National and its competitors. For the Insurance industry, the median Interest Coverage is 16.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lincoln National's current Interest Coverage is 21.04, which is 205% above median its own 10-year median of 6.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lincoln National stock overvalued right now?
Based on GuruFocus' analysis, Lincoln National (FRA:LCO) is currently considered Fairly Valued. The stock's GF Value™ is €39.91, compared to a current price of €40.31 — trading 1% above its estimated fair value. The current Interest Coverage is 21.04, which is 205% above median its 10-year median of 6.89 and 31.5% above the Insurance industry median of 16.00. Lincoln National's overall GF Score™ is 67/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Lincoln National (FRA:LCO), the current Interest Coverage is 21.04 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Lincoln National (FRA:LCO) Overvalued in 2026?
Based on GuruFocus' analysis, Lincoln National stock appears to be overvalued.
The current stock price of €40.31 is trading 1% above its estimated GF Value™ of €39.91.
GuruFocus considers Lincoln National to be Fairly Valued.
Key valuation signals for FRA:LCO:
Interest Coverage: 21.04 (205% above median its 10-year median of 6.89)
GF Value™: €39.91 vs. price of €40.31 (1% above fair value)
Industry Position: 31.5% above the Insurance median (#223 of 351)
No single metric tells the full story. See the FRA:LCO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lincoln National Corp operates multiple insurance and retirement businesses. The company's operating segment includes Annuities; Retirement Plan Services; Life Insurance and Group Protection. Its products include fixed and indexed annuities, variable annuities, universal life insurance (UL), variable universal life insurance (VUL), linked-benefit UL and VUL, indexed universal life insurance (IUL), term life insurance, employer-sponsored retirement plans and services, and group life, disability, and dental.
67GF Score
Get the complete analysis for FRA:LCO
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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