Lincoln National Corporation (LNC) carries a Roarable Rating of D- (Sell) with 42/100 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 2026-11-02, Lincoln National Corporation (NYSE: LNC) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 42/100 at a spot price of $41.01 (-0.87% 1D, market cap $7.92B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, LNC ranks #903 in composite RQD confidence.
Within the Financials sector (Life Insurance), LNC carries a Roarable D- (42/100 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 $8.73B) and VOYA (Voya Financial Inc.) posts a B+ grade (78/100 RQD, P/E 13.6x, ROIC 85.0%, cap $8.91B). 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 (±4.9% 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 42/100 (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 ($41.68) and Max Pain ($43.06) 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) slipped -0.87% to $41.01, trading at 57% 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 1096 tracked Financials securities in the Roarable RQD universe, Lincoln National Corporation (LNC) ranks #903 by composite RQD confidence (42/100, grade D-) and #219 by equity capitalization ($7.92B). 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 78/100 (B+) compared with LNC at 42/100 (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- | 42/100 | 6.7x | — | 0.9% | -0.87% | $7.92B | Benchmark Subject |
| PRI Primerica Inc. | C+ | 66/100 | 24.4x | — | 5.2% | -0.87% | $8.73B | /pri-vs-lnc → |
| VOYA Voya Financial Inc. | B+ | 78/100 | 13.6x | — | 85.0% | -0.35% | $8.91B | /voya-vs-lnc → |
| JXN Jackson Financial Inc. (Class A) | C- | 61/100 | — | — | 0.0% | -0.76% | $9.21B | /jxn-vs-lnc → |
| GL Globe Life Inc. | B- | 71/100 | 10.6x | — | 24.3% | -0.85% | $12.33B | /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 2026-11-02, Lincoln National Corporation (NYSE: LNC) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 42/100 at a spot price of $41.01 (-0.87% 1D, market cap $7.92B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, LNC ranks #903 in composite RQD confidence.
Within the Financials sector (Life Insurance), LNC carries a Roarable D- (42/100 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 $8.73B) and VOYA (Voya Financial Inc.) posts a B+ grade (78/100 RQD, P/E 13.6x, ROIC 85.0%, cap $8.91B). 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 $41.01 (-0.87% on volume of 1,859,996 shares), positioning the stock -1.61% below its 50-day simple moving average ($41.68) and +5.18% above its 200-day simple moving average ($38.99). Across its 52-week range of $32.18 to $47.67, LNC sits at the 57.0% percentile with a 14-day RSI of 53.8 (NEUTRAL RANGE) and an implied next-earnings move of ±4.9% ($39.00 to $43.02).
Why LNC Stock slipped -0.87% Today — RQD Quant Desk Flash. Stretched risk/reward at 7x P/E (1% return on capital) under elevated 10-year interest-rate pressure.
The Roarable RQD rating is 42 out of 100, a letter grade of D-, with the verdict "Roarable Sell — Vulnerable Balance Sheet & Flow" (per the Roarable RQD rating). The five pillars are scored as follows:
Upside drivers in the data are limited to a low trailing and forward P/E (6.7 and 6.2) and a 4.1% dividend yield (per market data). Valuation tradeoffs are significant: EV/EBITDA of 60.3 is elevated relative to the low earnings multiple, and negative FCF yield conflicts with the dividend yield. A prospective investor should weigh whether the low P/E reflects durable earnings or the weak cash and capital efficiency metrics above. This is educational analysis, not personalized financial advice.
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.
Welcome to the LNC (Lincoln National Corporation) Roar Pit. Current RQD Composite is 42/100 (Roarable Sell — Vulnerable Balance Sheet & Flow) in Life Insurance. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on LNC, but look at what you are paying: 6.7x trailing P/E with tightening sector spreads. Unless Lincoln National Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on LNC, the market is fixating on short-term headline noise in Life Insurance and ignoring the balance sheet and cash flow trajectory. At $41.37 (52-wk range $32.18 - $47.67), any beat on forward guidance forces shorts and underweight funds to chase.
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, Devon Kess, Gideon Vane, Eliott Vance, Sorel Thorne, Corin Hale, Tessa Rane, 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 Google email 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).