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Stock: LNC
Book Value Per Share: $42.22
EPS: $7.04
Diluted EPS TTM: $7.04
Dividend Per Share: 1.8
Dividend Yield: 5.54 %
Dividend Payout Ratio: 26%
Price To Sales Ratio TTM: 0.308
Price To Book Ratio: 0.792
PEG Ratio: 1.24
EV To EBITDA: -
P/E Ratio: 4.733
Forward P/E Ratio: 4.748
Ex Dividend Date: 2025-07-10
Dividend Date: 2025-08-01
Current Price: $32.47
Previous Close: $33.13
52 Week Low: $26.58
52 Week High: $39.31
Earning Date (within 30 days): N/A
50 Day MA: $32.66
200 Day MA: $33.44
Link to Yahoo (Financial): LNC
 
* Note: Prices are in Million (M) USD.
Description:
Lincoln National Corporation (LNC) ▼
Lincoln National Corporation is an American holding company, which operates multiple insurance and investment management businesses through subsidiary companies. Lincoln Financial Group is the marketing name for LNC and its subsidiary companies.
These criteria used Company’s Cash, EBITDA and Debt balance to determines its fair value:
Cash : $5,801 M
Debt : $6,055 M
EBITDA : $958 M
Net Debt (Debt - Cash): $254 M

Since Net Debt is covered by EBITDA within 1 year, 3 points assigned.
This criteria used industry in which company operates:
Sector: Financial Services
Industry: Insurance - Life

Based on industry, 3 points assigned.
This criteria used Company’s Price To Earning (P/E) Ratio to determines its fair value:
Forward PE Ratio: 4.61

Since Forward PE Ratio is less than 15, 5 points assigned.
This criteria used Company's ability to convert Sales into free cash flow to determine fair value:
Average Free Cash Flow: $907 M
Average Revenue: $13,078 M
Free Cash Flow to Revenue : 7 %

Since Free Cash Flow (FCF) to Revenue percentage is less than 15, 1 point assigned.
This criteria used company's growth potential to calculate its fair value:
Latest Revenue (2024-12-31): $17,989 M
Revenue 4 Years Ago (2020-12-31): $17,439 M
Last 5 Years Average Revenue Growth: 1%

Since Revenue Growth is between 0 - 5, 1 point assigned.
This criteria used Company's ability to buy back its own share:
Latest Share Count (2024-12-31): $174 M
Share Count 5 Years Ago (2020-12-31): $194 M

Company is buying back its own shares, 3 points assigned.
This criteria used Company's dividend payout ratio to determine its fair value:
Earnings Per Share (EPS): $7.04
Dividend Per Share (DPS): $2
Payout Ratio: 26%
Dividend Yield: 5%

Since company Payout Ratio is less than 50, 2 points assigned.

Since Dividend Yield is greater than 5, 5 points assigned.
This criteria used Company's Return On Equity (ROE%) to determine its fair value:
Average ROE: 5%

Since Average ROE is less than 10, 1 point assigned.
This criteria used Company's current price to its 52 week low price to determines its fair value:
Current Price: $32
52-Week Low: $27
Threshold Price (15% Above 52-Week Low): $31

Since Current price is not within 15% threshold, 0 point assigned.
This criteria used Company's Market Cap to determines its fair value:
Market Capitalization: $5,711 M

Since Market Cap is less than 10B, 1 point assigned.
% Exposure to Total Portfolio
Based on the calculated score, we recommend do not exceed 2% exposure of Total Portfolio.
Value-Trade has assigned 25 points to above Lincoln National Corporation (LNC) stock.
Twenty Years Avg PE 8, Fair Value PE 15, Industry Based PE is 11 and Growth based PE is 8. Based on these all values average assigned is 10.50.
Value-Trades has assined P/E value 10.50. Since current year earning per share is $7.04.
The fair value of Lincoln National Corporation (LNC) stock should be (10.50 x $7.04) = $73.92

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