Lincoln National (LNC): Assessing Valuation After a 35% Year-to-Date Share Price Gain

Simply Wall St.12-10

Lincoln National (LNC) has been quietly rewarding patient shareholders, with the stock up around 35% this year and roughly 34% over the past year, outpacing many traditional insurers. See our latest ...

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See our latest ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/insurance/nyse-lnc/lincoln-national/news/lincoln-national-lnc-assessing-valuation-after-a-35-year-to\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Lincoln National (LNC): Assessing Valuation After a 35% Year-to-Date Share Price Gain</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nLincoln National (LNC): Assessing Valuation After a 35% Year-to-Date Share Price Gain\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-12-10 01:21 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/insurance/nyse-lnc/lincoln-national/news/lincoln-national-lnc-assessing-valuation-after-a-35-year-to><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Lincoln National (LNC) has been quietly rewarding patient shareholders, with the stock up around 35% this year and roughly 34% over the past year, outpacing many traditional insurers. See our latest ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/insurance/nyse-lnc/lincoln-national/news/lincoln-national-lnc-assessing-valuation-after-a-35-year-to\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4162","symbol_name":"人寿与健康保险","start_time":0,"source_url":"https://simplywall.st/stocks/us/insurance/nyse-lnc/lincoln-national/news/lincoln-national-lnc-assessing-valuation-after-a-35-year-to","article_id":"2590324731","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7212000-choice2-main-header/1585186560665"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/insurance/nyse-lnc/lincoln-national/news/lincoln-national-lnc-assessing-valuation-after-a-35-year-to","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2590324731","pubTimestamp":1765300871,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Lincoln National (LNC) has been quietly rewarding patient shareholders, with the stock up around 35% this year and roughly 34% over the past year, outpacing many traditional insurers.\nSee our latest analysis for Lincoln National.\nWith the share price now at $42.99 and a year to date share price return of about 35 percent, momentum looks constructive. The three year total shareholder return above 60 percent suggests the market is slowly reassessing Lincoln National’s risk and earnings...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4162":"人寿与健康保险","LNC":"林肯国民","BK4585":"ETF&股票定投概念","BK4588":"碎股"},"translate_title":"林肯国民(LNC)：今年迄今股价上涨35%后评估估值","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"LNC":1.5},"content_text":"Lincoln National (LNC) has been quietly rewarding patient shareholders, with the stock up around 35% this year and roughly 34% over the past year, outpacing many traditional insurers. See our latest analysis for Lincoln National. With the share price now at $42.99 and a year to date share price return of about 35 percent, momentum looks constructive. The three year total shareholder return above 60 percent suggests the market is slowly reassessing Lincoln National’s risk and earnings profile. If this kind of steady rerating interests you, it is a good time to see which other insurers and financial names are quietly compounding in the background, starting with fast growing stocks with high insider ownership. Yet with shares hovering just below analyst targets and intrinsic value screens still flagging a sizable discount, investors have to ask: is Lincoln National mispriced value, or has the market already baked in the next leg of growth? AdvertisementMost Popular Narrative: 2.3% Undervalued With Lincoln National closing at $42.99 versus a most followed fair value of about $44, the narrative frames today's price as a modest opportunity rather than a deep bargain.  The ongoing digital modernization and investments in technology, from enhanced digital tools for customers/producers to automation in sales and claims, are expected to drive expense reductions and boost operational scalability, thereby improving net margins and supporting higher future earnings.  Read the complete narrative. Curious how a relatively low earnings multiple, moderate top line growth, and a tighter margin profile still add up to upside from here? The narrative blends cautious revenue assumptions with a detailed earnings bridge and a deliberately restrained valuation multiple to land on that fair value. Want to see which specific profit and discount rate assumptions do the heavy lifting in this calculation? Read on to unpack the full playbook behind this price target. Result: Fair Value of $44 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, this constructive setup could still unravel if legacy variable annuity guarantees strain capital or if structural asset outflows continue to place persistent pressure on fee revenues. Find out about the key risks to this Lincoln National narrative.  Build Your Own Lincoln National Narrative If you are not fully aligned with this view, or simply prefer hands on research, you can build a personalized Lincoln National thesis in minutes: Do it your way. A great starting point for your Lincoln National research is our analysis highlighting 3 key rewards and 1 important warning sign that could impact your investment decision. Looking for more investment ideas? Before you move on, consider your next smart move by using our screeners to uncover focused opportunities that many investors still overlook.  Explore potential multi-baggers early by targeting these 3593 penny stocks with strong financials that already back up their promise with solid financial strength. Gain exposure to the accelerating shift to intelligent automation through these 27 AI penny stocks positioned at the heart of real world AI adoption. Research potential sources of passive income from these 15 dividend stocks with yields > 3% that combine yield with the balance sheet quality needed to sustain payouts.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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