Lincoln National (FRA:LCO) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Lincoln National LT-Debt-to-Total-Asset?

Lincoln National FRA:LCO +2.06% 67 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates FRA:LCO with a GF Score™ of 67/100 and a GF Value™ of €38.61 (Modestly Undervalued). The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Lincoln National's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Lincoln National's long-term debt to total assets ratio stayed the same from Mar. 2025 (0.02) to Mar. 2026 (0.02).

Lincoln National (FRA:LCO) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Lincoln National LT-Debt-to-Total-Asset Related Terms

Lincoln National LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Lincoln National's LT-Debt-to-Total-Asset 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.

Lincoln National LT-Debt-to-Total-Asset Chart

Lincoln National Annual Data

Trend

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Dec20

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Dec22

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Dec25

LT-Debt-to-Total-Asset

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0.02

0.01

Lincoln National Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.01	0.01	0.01	0.02

67GF Score

Lincoln National Corp FRA:LCO

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Lincoln National LT-Debt-to-Total-Asset Calculation

Lincoln National's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	5150.474	/	356292.216
	=	0.01

Lincoln National's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	5163.185	/	351329.265
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Lincoln National (FRA:LCO) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Lincoln National and its competitors.

Is Lincoln National's LT-Debt-to-Total-Asset too high?

Lincoln National's current LT-Debt-to-Total-Asset is 0.02. Overall, Lincoln National has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.

How does Lincoln National's LT-Debt-to-Total-Asset compare to JXN and PRI?

Lincoln National's LT-Debt-to-Total-Asset of 0.02 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for an Insurance company?

A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Lincoln National and its competitors. Lincoln National's current LT-Debt-to-Total-Asset is 0.02. 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 Modestly Undervalued. The stock's GF Value™ is €38.61, compared to a current price of €32.15 — trading 16.7% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. Lincoln National's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Lincoln National (FRA:LCO), the current LT-Debt-to-Total-Asset is 0.02 as of Mar. 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 undervalued. The current stock price of €32.15 is trading 16.7% below its estimated GF Value™ of €38.61. GuruFocus considers Lincoln National to be Modestly Undervalued.

Key valuation signals for FRA:LCO:

LT-Debt-to-Total-Asset: 0.02
GF Value™: €38.61 vs. price of €32.15 (16.7% below fair value)
GF Score™: 67/100 with 3 warning signs

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 Business Description

Industry Financial Services Insurance

Comparable Companies JXN PRI CNO BHF GNW FG ABX KCLI CIA SNFCA SHSE:601628 SHSE:601318 HKSE:01299 TSX:MFC AFL TPE:2881 TSX:GWO BOM:543526 MET XKRX:032830

Other Exchanges LNC:USA 0JV3:UK L1NC34:Brazil

Address 150 North Radnor-Chester Road, Suite A305, Radnor, PA, USA, 19087

Website https://www.lincolnfinancial.com

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

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€32.15

Price

€38.61

GF Value

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