Lincoln National Corporation (LNC) carries a Roarable Rating of D- (Sell) with 40/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-03, Lincoln National Corporation (NYSE: LNC) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 40/100 at a spot price of $41.63 (+1.51% 1D, market cap $7.85B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, LNC ranks #911 in composite RQD confidence.
Within the Financials sector (Life Insurance), LNC carries a Roarable D- (40/100 RQD), trailing P/E of 6.7x, gross margin of —, and ROIC of 0.9%. By comparison, PRI (Primerica Inc.) holds a C+ grade (66/100 RQD, P/E 24.4x, ROIC 5.2%, cap $8.65B) and VOYA (Voya Financial Inc.) posts a B+ grade (76/100 RQD, P/E 13.6x, ROIC 85.0%, cap $8.88B). Among the 5-stock peer group, LNC leads on earnings multiple (6.7x) while VOYA leads on capital efficiency (85.0% ROIC).
Per LNC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000059558), Lincoln National Corporation generated $18.21B in revenue (-1.2% YoY), $1.18B in net income, and -$986.5M in free cash flow against $417.20B in total assets and $182.83B in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±4.7% realized swing band)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9
Dilution Drag (+1.92% YoY Shares) & executive Form 4 sales trim 15 pts from alignment
While LNC currently carries a cautious 40/100 (D-) rating due to Insider Conviction & Share Dilution (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($41.65) and Max Pain ($43.71) forces dealer call-delta covering toward $50.05.
Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.92% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
Lincoln National Corporation (LNC) advanced +1.51% to $41.63, trading at 61% of its 52-week range ($32.18 – $47.67). Stretched risk/reward at 7x P/E (1% return on capital) under elevated 10-year interest-rate pressure.
Yahoo! Finance Canada report covering Lincoln National Corporation (LNC) market action, institutional positioning, and fundamental catalysts.
Stocktwits report covering Lincoln National Corporation (LNC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Lincoln National Corporation (LNC) market action, institutional positioning, and fundamental catalysts.
StockInvest.us report covering Lincoln National Corporation (LNC) market action, institutional positioning, and fundamental catalysts.
Moomoo report covering Lincoln National Corporation (LNC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Lincoln National Corporation (LNC) market action, institutional positioning, and fundamental catalysts.
Business Wire report covering Lincoln National Corporation (LNC) market action, institutional positioning, and fundamental catalysts.
Prudential Financial's Q3 results may reflect stronger investment income and PGIM fees, with mixed segment trends and higher expenses shaping performance.
Lincoln National (LNC) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
PHILADELPHIA, October 27, 2026--The Lincoln Financial Foundation, the philanthropic arm of Lincoln Financial (NYSE: LNC), and TGR Foundation today announced the launch of "Bold Starts, championed by Lincoln Financial," a
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -1.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on LNC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for LNC. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, Lincoln National Corporation (LNC) ranks #911 by composite RQD confidence (40/100, grade D-) and #219 by equity capitalization ($7.85B). Within this direct 5-issuer industry benchmark cohort, LNC leads on earnings valuation at 6.7x trailing P/E, while VOYA leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. VOYA currently holds the highest overall quantitative score in the immediate peer group at 76/100 (B+) compared with LNC at 40/100 (D-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| LNC
ACTIVE
Lincoln National Corporation | D- | 40/100 | 6.7x | — | 0.9% | +1.51% | $7.85B | Benchmark Subject |
| PRI Primerica Inc. | C+ | 66/100 | 24.4x | — | 5.2% | +0.86% | $8.65B | /pri-vs-lnc → |
| VOYA Voya Financial Inc. | B+ | 76/100 | 13.6x | — | 85.0% | +1.40% | $8.88B | /voya-vs-lnc → |
| JXN Jackson Financial Inc. (Class A) | C- | 60/100 | — | — | 0.0% | +2.01% | $9.14B | /jxn-vs-lnc → |
| GL Globe Life Inc. | C+ | 66/100 | 10.6x | — | 24.3% | +0.45% | $12.23B | /gl-vs-lnc → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Lincoln National Corporation (LNC) reported GAAP revenue of $18.21B (-1.2% vs. FY2024 revenue of $18.44B , and +56.4% cumulative change since FY2023) , GAAP net income of $1.18B, operating cash flow of -$167.0M, and free cash flow of -$986.5M (+65.2% YoY). On the balance sheet, LNC closed FY2025 with $417.20B in total assets against $182.83B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $18.21B | $1.18B | -$167.0M | -$986.5M | $417.20B | $182.83B |
| FY2024 (FY) | 2024-12-31 | $18.44B | $3.27B | -$2.01B | -$2.84B | $390.83B | $172.15B |
| FY2023 (FY) | 2023-12-31 | $11.64B | -$752.0M | -$2.07B | -$2.60B | $13.97B | $3.27B |
As of 2026-11-03, Lincoln National Corporation (NYSE: LNC) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 40/100 at a spot price of $41.63 (+1.51% 1D, market cap $7.85B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, LNC ranks #911 in composite RQD confidence.
Within the Financials sector (Life Insurance), LNC carries a Roarable D- (40/100 RQD), trailing P/E of 6.7x, gross margin of —, and ROIC of 0.9%. By comparison, PRI (Primerica Inc.) holds a C+ grade (66/100 RQD, P/E 24.4x, ROIC 5.2%, cap $8.65B) and VOYA (Voya Financial Inc.) posts a B+ grade (76/100 RQD, P/E 13.6x, ROIC 85.0%, cap $8.88B). Among the 5-stock peer group, LNC leads on earnings multiple (6.7x) while VOYA leads on capital efficiency (85.0% ROIC).
Per LNC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000059558), Lincoln National Corporation generated $18.21B in revenue (-1.2% YoY), $1.18B in net income, and -$986.5M in free cash flow against $417.20B in total assets and $182.83B in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
LNC last traded at $41.63 (+1.51% on volume of 1,795,894 shares), positioning the stock -0.05% below its 50-day simple moving average ($41.65) and +6.77% above its 200-day simple moving average ($38.99). Across its 52-week range of $32.18 to $47.67, LNC sits at the 61.0% percentile with a 14-day RSI of 50.8 (NEUTRAL RANGE) and an implied next-earnings move of ±4.7% ($39.67 to $43.59).
Lincoln National Corporation (LNC) earns a live Roarable RQD composite score of 40/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $41.63 (+1.51% 1D, market capitalization $7.85B).
Lincoln National Corporation is a NYSE-listed issuer in the Financials sector, Life Insurance industry (per the company profile). Specific product lines, customer segments, and revenue mix are — The profile does not describe how the company generates revenue beyond its sector and industry classification.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Lincoln National Corporation (LNC) reported $18.21B in annual revenue (up from $18.44B in FY2024, -1.2% YoY) and $1.18B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($11.64B revenue, -$752.0M net income) through FY2025, LNC scaled operating cash flow to -$167.0M and free cash flow to -$986.5M, backed by $417.20B in total assets against $182.83B in total debt.
Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore — The only sector context is the Financials / Life Insurance classification ().
Real-time company headlines, analyst actions, and sector developments for Lincoln National Corporation (LNC) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo! Finance Canada report covering Lincoln National Corporation (LNC) market action, institutional positioning, and fundamental catalysts.
Stocktwits report covering Lincoln National Corporation (LNC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Lincoln National Corporation (LNC) market action, institutional positioning, and fundamental catalysts.
StockInvest.us report covering Lincoln National Corporation (LNC) market action, institutional positioning, and fundamental catalysts.
Moomoo report covering Lincoln National Corporation (LNC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Lincoln National Corporation (LNC) market action, institutional positioning, and fundamental catalysts.
Business Wire report covering Lincoln National Corporation (LNC) market action, institutional positioning, and fundamental catalysts.
Prudential Financial's Q3 results may reflect stronger investment income and PGIM fees, with mixed segment trends and higher expenses shaping performance.
Picked up a starter position in LNC in my $100K Virtual Cash book at $41.01. Low P/E of 6.7 and a 4.1% dividend yield at a $41.37 price offer valuation support if earnings durability holds.. Trading inside a $32.18–$47.67 52-week range with -12.46% FCF yield gives solid downside support if Life Insurance multiples expand this quarter.
Both sides have a point here — LNC's 10/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.
Negative FCF in all three reported periods and debt rising from $3.27B to $182.83B weaken the cash and balance sheet case.. Look at the math on LNC: paying 6.7x trailing P/E for 0.9% ROIC and 7.9% operating margins leaves zero margin of safety if Life Insurance demand softens. I'd wait for a retest of $36.09 before getting long.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Gideon Ashmere, Ellis Vennor, Tessa Rookmere, Soren Halewick, Iona Brackenford, Nadia Vellacrest, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your email address below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Virtual Cash Arena account (100% free — no credit card required).