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Lincoln National (LNC)
NYSE:LNC
Earnings Data
Report Date
May 08, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
1.64Last Year’s EPS
0.41Same Quarter Last Year
Based on 9 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Feb 06, 2025
|% Change Since: 14.81%
|Next Earnings Date:May 08, 2025
Earnings Call Sentiment|Positive
The earnings call presented a strong overall performance for Lincoln National Corporation, with significant achievements in group protection and annuities. However, challenges remain in the life insurance segment, particularly due to elevated claim severity and plan terminations affecting retirement plan services. Despite these issues, the company's robust capital position and improved free cash flow conversion provide a positive outlook.Company Guidance
During the call, Lincoln National Corporation provided guidance on several key metrics reflecting their strong performance in fiscal year 2024. The company achieved its highest full-year adjusted operating income in three years and ended 2024 with an estimated RBC ratio exceeding 430%, surpassing their target of 400% with a 20-point buffer. They reported a fourth-quarter adjusted operating income available to common stockholders of $332 million or $1.91 per share, and a GAAP net income of $1.7 billion. The group protection business delivered a record fourth quarter with earnings more than doubling year over year, achieving a margin of 8.4%, while annuities achieved their highest full-year sales in five years. Retirement plan services saw a full-year deposit growth of 25%, marking its tenth consecutive year of positive net flows. The company also improved its free cash flow conversion to 39% in 2024 from 35% in 2023, and they revised their 2026 free cash flow conversion outlook to a range of 45% to 60%, illustrating increased confidence in their long-term strategic objectives.Record Fourth Quarter for Group Protection Business
The group protection business delivered record fourth-quarter earnings, more than doubling year over year, with a margin of 8.4%, and achieved a record year for sales, earnings, and margin.
Annuities Business Growth
Annuities delivered robust earnings growth for the quarter and full year, reaching its highest full-year sales in five years, with full-year sales increasing 7% compared to the prior year.
Retirement Plan Services Success
Retirement plan services increased quarterly earnings by 13% year over year and generated full-year deposit growth of 25%, marking its tenth consecutive year of positive flows.
Strong Capital Position
Ended 2024 with an estimated RBC ratio of over 430%, surpassing the target of 420%, providing added financial flexibility.
Improved Free Cash Flow Conversion
Free cash flow conversion increased from 35% in 2023 to 39% in 2024.
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LNC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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LNC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Feb 06, 2025 | $33.77 | $35.77 | +5.92% |
| Oct 31, 2024 | $33.11 | $34.25 | +3.44% |
| Aug 01, 2024 | $32.36 | $33.09 | +2.26% |
| May 02, 2024 | $26.51 | $25.79 | -2.72% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Lincoln National (LNC) report earnings?
Lincoln National (LNC) is schdueled to report earning on May 08, 2025, TBA Not Confirmed.
What is Lincoln National (LNC) earnings time?
Lincoln National (LNC) earnings time is at May 08, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is LNC EPS forecast?
LNC EPS forecast for the fiscal quarter 2025 (Q1) is 1.64.
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