📊 AI Stock Rating — Summary

For the quarter ending September 2025, Lincoln National Corporation (LNC) reported revenue of $4.56 billion and net income of $445 million, translating to an EPS of $2.15. Despite substantial revenue, the company faced a challenging quarter with operating cash flow negatively impacting free cash flow, which was reported at -$1.14 billion. YoY growth metrics weren't available, but these figures indicate struggles in maintaining cash flow stability. Notably, the firm carries substantial cash reserves of $10.67 billion, greater than its net debt position, highlighting a strong liquidity profile. LNC's balance sheet reflects a total asset base of $415.275 billion against liabilities of $404.823 billion, maintaining equity of $10.452 billion. The company's total shareholder returns include a dividend yield, with a quarterly payment of $0.45 per share, amounting to a payout of $119 million for the quarter. Analyst price targets range between $37 to $44, suggesting potential upside. However, absent the 1-year price change data, we couldn't properly assess the stock's market performance. In terms of valuation, market metrics weren't provided, but strategic observations remain positive due to its strong liquidity even under cash flow pressures.

AI Score Breakdown

Revenue Growth — Score: 6/10

The company reported $4.56 billion in revenue, showing robust size but lacking detailed growth metrics. Revenue stability remains, yet growth drivers are unclear without YoY data.

Profitability — Score: 7/10

With net income of $445 million and EPS at $2.15, profitability is solid. However, operational efficiency questions arise due to negative operating cash flow.

Cash Flow Quality — Score: 4/10

Free cash flow suffered, marked at -$1.14 billion. Cash flow is unstable, yet liquidity is bolstered by significant cash reserves. Dividends were maintained.

Leverage & Balance Sheet — Score: 8/10

Despite significant liabilities, LNC's balance sheet is resilient with total equity of $10.452 billion and substantial cash holdings surpassing net debt, indicating ample financial resilience.

Shareholder Returns — Score: 5/10

Dividends provide steady return, but absent the 1-year price change data, full market performance couldn't be assessed. Dividend yield supports a baseline return.

Analyst Sentiment & Valuation — Score: 6/10

Analyst targets suggest price potential between $37 and $44. Without metrics like P/E provided, deeper valuation analysis is limited, yet prospects seem moderately favorable.

⚠ AI-generated — informational only, not financial advice.