NYSE
LNC
Last Price
US $41.26
KEY FIGURES
MKT CAP
$7.9B
EPS
TTM
$9.03
PEG
TTM
N/M
P/E
TTM
4.57x
P/S
TTM
0.42x
YIELD
4.36%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
16.79%
Return on equity
ROIC: 20.33%
Valuation History
4.4X
Price to Earnings
EV/EBITDA: 2.9X
Cash flow
Profit margin
0.71%
(FY vs FY)
EBITDA Y/Y
16.03%
(FY vs FY)
Cash flow Y/Y
-
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $41.26
—
Default assumptions
EBITDA Multiple
Fair Value
Market $41.26
80.95%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow 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.
Financial stability - Healthy cash flow growth.
Lincoln National Corporation's free cash flow has increased -91.68% from $-2.01G last year to $-167.00M, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
Lincoln National Corporation's debt to equity ratio is 0.62, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial stability - Healthy debt to equity ratio development.
Lincoln National Corporation's debt has decreased relative to shareholder equity from 0.77 last year to 0.62 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Lincoln National Corporation has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Lincoln National Corporation's interest coverage ratio of 8.47 indicates that earnings with good margin can cover interest payments on company debt
Financial risk - Profit margin growth.
Lincoln National Corporation's profit margin has decreased (-49.80%) in the last year from 18.21% to 9.14%, signaling decreasing performance
Financial risk - Short term assets vs short term liabilities.
Lincoln National Corporation's short-term liabilities of $161.99G exceed its short-term assets of $75.53G, signaling financial risk
Decreasing performance - ROA.
Lincoln National Corporation's return on assets of 0.42% is lower than the 5.00% threshold, indicating inefficient asset utilization
Increasing performance - Absolute return on equity.
Lincoln National Corporation's return on equity of 16.79%, is higher than 15.00%, indicating good performance
Decreasing 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
Increasing performance - Earnings stability.
Lincoln National Corporation had positive net income in 4.00 out of 5 years, indicating stable and consistent earnings
Decreasing performance - Free cash flow.
Lincoln National Corporation has negative free cash flow, indicating the company is burning cash rather than generating it
Decreasing performance - FCF yield.
Lincoln National Corporation has negative free cash flow, indicating cash burn
Decreasing performance - Healthy earnings growth.
Lincoln National Corporation's yearly earnings has decreased -64.06% since last year from $3.27G to $1.18G, signaling decreasing performance
Increasing performance - Healthy revenue growth.
Lincoln National Corporation's yearly revenue has increased 1.24% since last year from $17.99G to $18.21G, signaling increasing performance
Increasing performance - ROIC.
ROIC 20.33% (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.
Decreasing performance - 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
Increasing performance - Revenue consistency.
Lincoln National Corporation had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Lincoln National Corporation had positive ROE in 4.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Lincoln National Corporation has insufficient data to evaluate this check.
Undervalued - Earnings yield.
Lincoln National Corporation has an earnings yield of 21.89%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Undervalued - EBITDA valuation.
Lincoln National Corporation is undervalued relative to its fair value price of 74.66 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Lincoln National Corporation has an EV/EBITDA ratio of 3.08x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Lincoln National Corporation has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Lincoln National Corporation has a price-to-book ratio of 0.77x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Lincoln National Corporation has a price-to-sales ratio of 0.42x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue