(LNC) Lincoln National - Ratings and Ratios

Lincoln National Corporation (NYSE:LNC) is a leading U.S.-based financial services firm specializing in insurance and retirement solutions. The company operates through four core segments: Life Insurance, Annuities, Group Protection, and Retirement Plan Services. Its Life Insurance segment offers a diverse range of products, including term life, universal life (UL), indexed UL, variable universal life (VUL), and linked-benefit UL and VUL policies, as well as critical illness and long-term care riders. The Annuities segment provides variable, fixed, and registered index-linked annuities, catering to retirement and income generation needs. The Group Protection segment delivers group non-medical insurance products, such as short- and long-term disability, statutory disability, paid family medical leave administration, absence management, term life, dental, vision, accident, critical illness, and hospital indemnity benefits. These offerings are distributed through employer-paid and employee-paid plans. The Retirement Plan Services segment focuses on defined contribution retirement plans, offering variable and fixed annuities, mutual fund-based programs, and plan services like recordkeeping, compliance testing, participant education, and trust and custodial services. The company distributes its products through a network of consultants, brokers, financial advisors, third-party administrators, and financial institutions. Founded in 1905, Lincoln National Corporation is headquartered in Radnor, Pennsylvania, and operates under the brand name Lincoln Financial Group. Web URL: https://www.lincolnfinancial.com.

Lincoln National Corporation (NYSE:LNC) is a prominent player in the U.S. life and health insurance industry, with a market capitalization of $5.003 billion. The stock currently trades at $31.73, with a 20-day average volume of 2,205,554 shares. Its price-to-earnings (P/E) ratio stands at 1.59, with a forward P/E of 4.07, indicating undervaluation relative to future earnings expectations. The price-to-book (P/B) ratio of 0.69 suggests that the stock is trading below its book value, while the price-to-sales (P/S) ratio of 0.28 reflects a low revenue multiple. The company’s return on equity (RoE) is 39.62%, highlighting strong profitability. From a technical perspective, the stock’s 20-day simple moving average (SMA) is $31.49, slightly below the current price, while the 50-day SMA is $34.50 and the 200-day SMA is $32.29. The average true range (ATR) of 1.77 indicates moderate volatility.

3-Month Forecast: Based on the provided and , Lincoln National Corporation’s stock is expected to remain range-bound in the near term. The SMA 20 crossing below the SMA 50 suggests bearish momentum, while the proximity of the SMA 200 to the current price indicates potential support. The ATR of 1.77 implies moderate volatility, with potential price fluctuations within a $29-$34 range. Fundamentally, the low P/S ratio and high RoE suggest undervaluation, but macroeconomic factors such as interest rate changes and market volatility could impact performance. The stock may face headwinds from declining annuity sales and increasing competition in the group protection segment. However, its strong profitability and diversified product portfolio are expected to provide stability. Overall, the outlook is neutral to slightly bearish, with limited upside potential in the next three months.