What is the 13F Pro Quality Score for LNC?

13F Pro ranks LINCOLN NATIONAL CORP (LNC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View LNC's current score at https://13fpro.ai/research/LNC (free sign-up required for the full ranking).

Which hedge funds own the most LNC stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of LNC include Bain Capital Prairie,, BlackRock,, VANGUARD PORTFOLIO MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/LNC as soon as new 13F filings post.

Where does 13F Pro source LNC data?

All LINCOLN NATIONAL CORP fundamentals and ownership data come directly from SEC EDGAR. LINCOLN NATIONAL CORP files with the SEC under CIK 59558. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is LNC in?

LINCOLN NATIONAL CORP (LNC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is LNC research updated on 13F Pro?

LNC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

LINCOLN NATIONAL CORP(LNC)Stock Analysis

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13F Pro Quality Score

50.8/100

Rank #1,431 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

67.3/100

Profitability

29.8/100

Balance Sheet

36.3/100

Earnings Quality

2.1/100

Free Cash Flow

30.3/100

Institutional Flow

70.3/100

Revenue Scale

92.4/100

Dilution Risk

77.6/100

LNC Stock Analysis & AI Quality Score

AI stock analysis and institutional research for LINCOLN NATIONAL CORP (LNC), a Financials sector company. 13F Pro's AI-powered ranking engine scores LNC at 50.8/100 on a 32-signal composite quality model, placing it at rank #1,431 of 2,879 stocks — the top half of the AI-ranked universe. LNC scores in the top quartile across revenue scale (92.4). Areas of concern include earnings quality (2.1) and profitability (29.8), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), LINCOLN NATIONAL CORP reports quarterly revenue of $5.3B, net income of $-172.0M, free cash flow of $138.0M. Top institutional holders of LNC by reported 13-F value include Bain Capital Prairie,, BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. LNC trades on the NYSE exchange and files with the SEC under CIK 59558. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate LNC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for LINCOLN NATIONAL CORP directly from SEC EDGAR. LINCOLN NATIONAL CORP's 13F Pro composite quality score has ranged between 40 and 62 since 2021, currently 50.8 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.

✦

Fun facts about LINCOLN NATIONAL CORP

Quirks, history, and lore behind LNC — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · large-cap · listed on NYSE · headquartered in Pennsylvania.
2
The Numbers
Manages roughly $300+ billion in account values and generates annual revenue in the low tens of billions — serious money in the business of protecting money.
3
The History
Founded in the late 19th century, it grew into one of America's major providers of life insurance and annuities, surviving depressions, wars, and the occasional actuarial surprise.
4
The Secret
Beyond insurance, it runs a substantial retirement plan and group benefits business, making it a quiet backbone of many Americans' workplace benefit packages.
5
The Lore
The company is named after America's most beloved president — a branding choice so bold it basically dares you to cancel their policy. That name has been on the masthead for well over a century.
6
The Giveaway
An insurer and retirement giant named after the president on the penny, trading under a three-letter ticker that sounds like it belongs on a Lincoln Memorial souvenir.

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Revenue

Q1 2026

$5.3B

Net Income

Q1 2026

$-172.0M

Free Cash Flow

Q1 2026

$138.0M

D/E Ratio

Q1 2026

0.58

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-1.2% YoY

$18.21BFY 2025

FY21 $17.71BFY23 $11.64BFY24 $18.44BFY25 $18.21B

Net Income

-64.1% YoY

$1.18BFY 2025

FY21 $3.78BFY23 $-752.0MFY24 $3.27BFY25 $1.18B

EPS (Diluted)

-68.3% YoY

$5.83FY 2025

FY21 $9.98FY23 $-4.92FY24 $18.41FY25 $5.83

Total Assets

+6.7% YoY

$417.20BFY 2025

FY21 $394.75BFY23 $372.41BFY24 $390.83BFY25 $417.20B

Total Debt

-4.7% YoY

$5.87BFY 2025

FY21 $7.22BFY23 $5.95BFY24 $6.16BFY25 $5.87B

Op. Cash Flow

+91.7% YoY

$-167.0MFY 2025

FY21 $-217.0MFY23 $-2.07BFY24 $-2.01BFY25 $-167.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2021	FY 2018	FY 2017
Revenue	$18.21B -1.2%	$18.44B +58.4%	$11.64B -34.3%	$17.71B +7.9%	$16.42B +15.2%	$14.26B
Net Income	$1.18B -64.1%	$3.27B +535.5%	$-752.0M -119.9%	$3.78B +130.2%	$1.64B -21.1%	$2.08B
EPS (Diluted)	$5.83 -68.3%	$18.41 +474.2%	$-4.92 -149.3%	$9.98 +34.9%	$7.40 -19.7%	$9.22
Total Assets	$417.20B +6.7%	$390.83B +4.9%	$372.41B -5.7%	$394.75B +32.4%	$298.15B +5.8%	$281.76B
Total Debt	$5.87B -4.7%	$6.16B +3.5%	$5.95B -17.7%	$7.22B +27.1%	$5.69B -5.6%	$6.02B
Operating Cash Flow	$-167.0M +91.7%	$-2.01B +3.2%	$-2.07B -855.8%	$-217.0M -111.2%	$1.94B +146.6%	$788.0M

AI Insight: LNC Financial Trends

Lincoln National swung to Q1 2026 loss amid volatile earnings and persistent operating cash-flow weakness.

• Revenue recovered to $5.3B in Q1 2026, highest since Q2 2024, but net income turned negative at -$172M after $754M profit in Q4 2025.

• Leverage ticked up: total debt rose to $5.97B in Q1 2026 from $5.77B in Q3 2025, while equity grew to $10.2B.

• Operating cash flow remains lumpy; Q1 2026 posted $138M inflow, but three of last four quarters showed negative or weak OCF.

⚠ Earnings volatility is acute: four quarters in past year ranged from -$722M to +$1.69B; no sustained profitability trend visible.

⚠ Operating cash flow dysfunction persists despite revenue stability; eight-quarter average is near zero, signaling conversion issues.

AI Insight: LNC Ratio Trends

LNC swung to Q1 2026 losses across all profitability metrics after volatile 2025, signaling operational instability or significant one-off charges.

• Operating margin collapsed to -4.6% in Q1 2026 from +18.6% in Q4 2025; NPM fell to -3.2% from +15.3%.

• ROE turned sharply negative at -6.7% in Q1 2026 versus +27.7% one quarter prior; ROIC declined to -6.1% from +20.4%.

• Leverage improved modestly: D/E fell to 0.58 in Q1 2026 from 0.65 in Q4 2025, approaching TTM level of 0.58.

⚠ Severe Q1 2026 loss reversal mirrors Q1 2025 and Q3 2024 downturns; pattern suggests seasonal or recurring earnings volatility.

⚠ TTM ROE of 16.9% and ROA of 0.4% remain well below Q4 2024 peaks (81.6% / 1.7%), indicating sustained headwinds.

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Available Research

13F Pro tracks comprehensive data for LINCOLN NATIONAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of LNC

Bain Capital Prairie, LLC
$666.0M18,759,497 sh
BlackRock, Inc.
$656.7M18,498,104 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$369.5M10,409,654 sh
VANGUARD CAPITAL MANAGEMENT LLC
$293.6M8,270,901 sh
DIMENSIONAL FUND ADVISORS LP
$275.3M7,755,506 sh
MASSACHUSETTS FINANCIAL SERVICES CO /MA/
$209.8M5,881,332 sh
STATE STREET CORP
$209.1M5,891,295 sh
JENNISON ASSOCIATES LLC
$135.7M3,823,152 sh
MORGAN STANLEY
$131.1M3,692,842 sh
GEODE CAPITAL MANAGEMENT, LLC
$112.2M3,159,019 sh

Fund	Value	Shares
Bain Capital Prairie, LLC	$666.0M	18,759,497
BlackRock, Inc.	$656.7M	18,498,104
VANGUARD PORTFOLIO MANAGEMENT LLC	$369.5M	10,409,654
VANGUARD CAPITAL MANAGEMENT LLC	$293.6M	8,270,901
DIMENSIONAL FUND ADVISORS LP	$275.3M	7,755,506
MASSACHUSETTS FINANCIAL SERVICES CO /MA/	$209.8M	5,881,332
STATE STREET CORP	$209.1M	5,891,295
JENNISON ASSOCIATES LLC	$135.7M	3,823,152
MORGAN STANLEY	$131.1M	3,692,842
GEODE CAPITAL MANAGEMENT, LLC	$112.2M	3,159,019

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Is LNC a good stock to buy?

13F Pro's AI-powered analysis of LINCOLN NATIONAL CORP (LNC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for LNC are available on the LNC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own LNC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling LNC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of LINCOLN NATIONAL CORP's investment landscape.