Bull Rankings model

Lincoln National Corporation (LNC) stock analysis

Insurance - Life. Scored on the same transparent model behind the daily rankings.

★
LNC
Lincoln National Corporation · Insurance - Life
91.2Financial strength
$40.63Oct 13 close$7.8B
1Y Target$48.00Analyst consensus · 12 analysts
5Y Target$60.60Compound horizon
10Y Target$77.72Long-dated conviction
Rev+2.0%
C
Revenue +2.0% — flat, mature phase or headwinds present
P/E3.5x
A
P/E 3.5 — cheapest decile in Financial Services (≈10th pctile)
ROE22.6%
A-
ROE 22.6% — a high bar (above 20%)
P/B0.75
A
P/B 0.75 — below book value; deep value (verify asset quality)
Yield4.5%
B+
Yield 4.5% — healthy income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 91.2 / 100
Profitability92.6
Value (P/B)94.5
Income84.7

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeMid-range
15% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Insurance - Life · market cap $7.8b. 15% off the 52-week high of $47.67. 12 sell-side analysts rate this a Hold with a mean 1-yr target of $48.00 (implying +18% upside).
Moat
Net margin 12% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 23% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $48.00 (12-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $60.60 at ~8% CAGR — dividend compounding plus earnings growth. 10 yr $77.72 if the moat survives secular pressure.
Score history · LNC

Not enough history yet — the model records LNC's score after each daily run, and the chart appears once a few days have accumulated.

LNC at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY93VALUE94COVERED INCOME8591.2/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$40.6LOW $32.2HIGH $47.7Trading at the 55th percentile of its 52-week range ($32.2–$47.7).
ONE-YEAR MOVE VS ITS BETAFLATThis stock+3%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+0.8%
90-day change+3.9%
Forward EPS estimate$8.75

Over the last 90 days, what analysts expect LNC to earn is drifting higher (+3.9%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Position sizing · LNC
Shares to buy
49
Position size
$1,991
4.0% of portfolio
Stop price
$30.47
25% below $40.63
$ at risk if stopped
$497.72
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Lincoln National Corporation (LNC): score, valuation & FAQ

Lincoln National Corporation (LNC) is an Insurance - Life company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are P/E (A), P/B (A) and ROE (A-).

Is LNC a good stock to buy?

Bull Rankings grades LNC on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A), P/B (A) and ROE (A-). A score is a quantitative screen of Lincoln National Corporation's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade LNC?

As a bank, insurer or REIT, LNC isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A), P/B (A) and ROE (A-).

Is LNC overvalued or undervalued?

We don't publish a discounted-cash-flow value for LNC, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. LNC is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in LNC?

Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.

New to these metrics? See the guides and the methodology.

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