Top line decelerating.
+1.2% YoY versus +53.6% prior. 3y CAGR −1.3%.
+1.2%We use cookies
MainRatios uses cookies for essential site functions. With your consent, we also use analytics cookies including session replay sampling (PostHog, Google Analytics) and advertising cookies (Google AdSense). You can reject non-essential cookies, including the "sale" or sharing of personal information under CCPA, and you may withdraw consent at any time (GDPR). See our Privacy Policy for details.
Financial Services · Market Cap: $7.1B
Live price unavailable
Fundamentals as of 2026-03-31
All analysis on this page is for educational purposes only and does not constitute financial advice. Fair values are model-based estimates. Always do your own research.
The Question
Mixed — Lincoln National Corporation has 16.9% ROE but D/E 38.77.
Financial story
Mixed — Lincoln National Corporation's 16.9% ROE is strong, but its 38.77 debt-to-equity is elevated.
Bottom line: LNC is rated BUY by the 1 legendary model, but earns a C sector grade (47/100) in Financial Services. Use the per-tab analysis to form your own view. Drill into the valuation breakdown and sector ranking for the full picture.
+1.2% YoY versus +53.6% prior. 3y CAGR −1.3%.
+1.2%Net margin 6.5% versus 18.2% prior (−11.7pp). Operating 7.3%.
6.5%P/E 3.9x — 44% below the 5y median of 7.0x. Forward 4.5x signals EPS contraction next year.
3.9xLNC trades at 4.0x earnings. Sector context and per-investor signals are in the valuation tab.
LNC and CBSH differ on P/E, ROE, and revenue growth. See the full LNC vs CBSH compare matrix.
Buffett evaluates LNC against his respective frameworks. Per-model fair value and reasoning are in the valuation tab.
LNC's P/E ratio is 4.0x. 5-year P/E history is in the financials tab.
Investor verdicts vary by methodology. Full breakdown by investor and signal is in the valuation tab.
LNC's earnings calendar and history are tracked in the financials tab. Specific dates depend on company-published guidance.
How does LNC compare?
See exactly where LNC ranks
Sign in to unlock the full sector ranking — free.
Sign in to see the rankingLNC sits at #101 in Financial Services with a C grade (47/100).