Lincoln National Corporation
LNCFinancial ServicesNASDAQInsurance - Life · Last scanned Oct 26, 2026
Scan Results
Daily timeframeLincoln National Corporation, through its subsidiaries, operates multiple insurance and retirement businesses in the United States. The $7.63B market capitalization puts LNC squarely in mid-cap range for its industry. It operates through four segments: Life Insurance, Annuities, Group Protection, and Retirement Plan Services.
Market Cap
$7.63B
Beta
1.15
P/E (TTM)
3.40
P/E (Fwd)
4.57
EPS (TTM)
$11.73
EPS (Fwd)
$8.72
ROE
22.6%
ROA
0.3%
Cash
$45.55B
Total Debt
$7.24B
Free CF
$2.07B
52W Change
-1.2%
Annual Financials
Cash vs Debt
Where LNC stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, LNC finished 2.21% above its 150-day moving average ($38.43) and 2.61% above its 200-day moving average ($38.28). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is LNC overbought or oversold?
At the October 20, 2026 close, LNC's RSI(14) was 41.0, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The balance sheet looks solid with $45.55B in cash comfortably exceeding the $7.24B debt load. A net cash position generally provides financial flexibility during uncertain economic periods. The company generates $2.07B in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. Return on equity stands at 22.6%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.3% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $18.93B (2022) to $18.34B (2025).
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. No single metric tells the full story. Reviewing LNC's risk profile alongside its fundamentals and technical indicators provides a more complete picture.