Lincoln NationalSTU:LCO -4.33%67 OCF Margin % is 2.59% as of Mar. 2026, which is 142% above its 10-year median of 1.07. GuruFocus rates STU:LCO with a GF Score™ of 67/100 and a GF Value™ of €37.83 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 501 Insurance companies, Lincoln National ranks worse than 76.65% on this metric.
The historical rank and industry rank for Lincoln National's OCF Margin % or its related term are showing as below:
STU:LCO'
s OCF Margin % Range Over the Past 10 Years
Min: -17.71 Med: 1.07 Max: 19.07
Current: 1.38
During the past 13 years, the highest OCF Margin % of Lincoln National was 19.07%. The lowest was -17.71%. And the median was 1.07%.
STU:LCO's OCF Margin % is ranked worse than 76.65% of 501
companies
in the Insurance industry
Industry Median: 10.85
vs STU:LCO: 1.38
Lincoln National OCF Margin % Related Terms
Lincoln National OCF Margin % Historical Data
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The historical data trend for Lincoln National's OCF Margin % 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.
For the Insurance - Life subindustry, Lincoln National's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Lincoln National's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Lincoln National's OCF Margin % falls into.
* 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 (STU:LCO) has a OCF Margin % of 2.59% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Lincoln National and its competitors. This is 142% above median its historical median of 1.07. According to the industry distribution chart, Lincoln National ranks #384 out of 501 companies in the Insurance industry, placing it in the top 76.6%.
Is Lincoln National's OCF Margin % too high?
Lincoln National's current OCF Margin % of 2.59% is 142% above median its 10-year median of 1.07. The Insurance industry median OCF Margin % is 10.85. Lincoln National's value of 2.59% is 76.1% below this industry median. Based on the distribution chart, Lincoln National ranks #384 out of 501 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 OCF Margin % compare to JXN and PRI?
According to the Insurance industry distribution chart, Lincoln National ranks #384 out of 501 companies for OCF Margin %. This places Lincoln National in the lower half of its industry. The industry median OCF Margin % is 10.85. Lincoln National's value of 2.59% is 76.1% below this benchmark. While the company's 10-year median is 1.07 vs. the industry median of 10.85, Lincoln National has consistently been below 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.85, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Lincoln National's current OCF Margin % of 2.59% is 76.1% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Lincoln National and its competitors. For the Insurance industry, the median OCF Margin % is 10.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lincoln National's current OCF Margin % is 2.59%, which is 142% above median its own 10-year median of 1.07. 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 (STU:LCO) is currently considered Modestly Undervalued. The stock's GF Value™ is €37.83, compared to a current price of €32.00 — trading 15.4% below its estimated fair value. The current OCF Margin % is 2.59%, which is 142% above median its 10-year median of 1.07 and 76.1% below the Insurance industry median of 10.85. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Lincoln National (STU:LCO), the current OCF Margin % is 2.59% 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 (STU:LCO) Overvalued in 2026?
Based on GuruFocus' analysis, Lincoln National stock appears to be undervalued.
The current stock price of €32.00 is trading 15.4% below its estimated GF Value™ of €37.83.
GuruFocus considers Lincoln National to be Modestly Undervalued.
Key valuation signals for STU:LCO:
OCF Margin %: 2.59% (142% above median its 10-year median of 1.07)
GF Value™: €37.83 vs. price of €32.00 (15.4% below fair value)
Industry Position: 76.1% below the Insurance median (#384 of 501)
No single metric tells the full story. See the STU: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 STU:LCO
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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