NYSE
LNC
Last Price
US $45.28
KEY FIGURES
MKT CAP
$8.7B
EPS
TTM
$12.23
EPS Growth (1Y)
-68.28%
PEG
TTM
0.21x
P/E
TTM
3.70x
P/S
TTM
0.45x
YIELD
3.98%
GROWTH (5Y CAGR)
Profit margin
Current Ratio
Capital Returns
21.99%
Return on equity
ROIC: 20.86%
Valuation History
3.8X
Price to Earnings
EV/EBITDA: 1.7X
Cash flow
Profit margin
Revenue
0.71%
EBITDA
16.03%
Cash flow
-
Cash Flow (DCF)
Fair Value
Market $45.28
—
Default assumptions
EBITDA Multiple
Fair Value
Market $45.28
64.89%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Cash flow to debt coverage
Lincoln National Corporation cash flow to debt ratio of -2.60% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Free cash flow growth
Lincoln National Corporation's free cash flow has increased -91.68% from $-2.01B last year to $-167.00M, signaling increasing performance
Debt-to-equity ratio
Lincoln National Corporation's debt to equity ratio is 0.60, which means that the company's assets are healthy financed, signaling financial stability.
Debt-to-equity trend
Lincoln National Corporation's debt has decreased relative to shareholder equity from 0.77 last year to 0.60 today, signaling strengthened financials
Net debt to EBITDA
Lincoln National Corporation has a net cash position, so leverage is healthy.
Interest coverage
Lincoln National Corporation's interest coverage ratio of 8.78 indicates that earnings with good margin can cover interest payments on company debt
Profit margin growth
Lincoln National Corporation's profit margin has decreased (33.07%) in the last year from 18.21% to 12.18%, signaling decreasing performance
Current ratio
Lincoln National Corporation's short-term liabilities of $161.99B exceed its short-term assets of $75.53B, signaling financial risk
Return on assets
Lincoln National Corporation's return on assets of 0.55% is lower than the 5.00% threshold, indicating inefficient asset utilization
Return on equity
Lincoln National Corporation's return on equity of 21.99%, is higher than 15.00%, indicating good performance
Earnings quality
Lincoln National Corporation's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Earnings stability
Lincoln National Corporation had positive net income in 4 out of 5 years, indicating stable and consistent earnings
Positive free cash flow
Lincoln National Corporation has negative free cash flow, indicating the company is burning cash rather than generating it
Free cash flow yield
Lincoln National Corporation has negative free cash flow, indicating cash burn
Earnings growth
Lincoln National Corporation's yearly earnings has decreased 64.06% since last year from $3.27B to $1.18B, signaling decreasing performance
Revenue growth
Lincoln National Corporation's yearly revenue has increased 1.24% since last year from $17.99B to $18.21B, signaling increasing performance
Return on invested capital
ROIC 20.86% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.
3-year revenue CAGR
Lincoln National Corporation's 3-year revenue CAGR of -1.28% is negative, indicating declining revenue over the past 3 years
Revenue consistency
Lincoln National Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance
Return on equity consistency
Lincoln National Corporation had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity
Cash Flow Valuation (DCF)
Lincoln National Corporation has insufficient data to evaluate this check.
Earnings yield (TTM)
Lincoln National Corporation has an earnings yield of 26.78%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
EBITDA Valuation
Lincoln National Corporation is undervalued relative to its fair value price of 74.66 based on EBITDA multiple model
EV/EBITDA (FY)
Lincoln National Corporation has insufficient data to compute enterprise value.
PEG ratio (TTM/FY)
Lincoln National Corporation has a PEG-ratio under 1 which is considered undervalued
Price-to-book ratio (FY)
Lincoln National Corporation has a price-to-book ratio of 0.78x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Price-to-sales ratio (TTM)
Lincoln National Corporation has a price-to-sales ratio of 0.46x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue