Profitability
Weight: 25%
B-
67
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 65.4%
- Loss Ratio Trend -2.33 pp/yr
LNC
Lincoln National Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ Negative tangible book value combined with negative free cash flow — balance sheet is impaired and operating cash generation cannot rebuild it.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
A-
82
- 5yr Avg ROE 16.9%
- 5yr Share-Count CAGR -0.9%
Growth Quality
Weight: 10%
A+
94
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 17.8%
- Loss Ratio Trend (growth quality check) -2.33 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
F
17
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Loss Ratio Stability (σ) 0.66
Balance Sheet
Weight: 25%
A-
84
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 1.12x
- Interest Coverage (EBIT/Int) 6.89x
Stability
Weight: 10%
D+
40
- EPS Volatility (σ/μ) 0.60
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 3
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 5 gurus held; 1 added; 2 trimmed; 1 full exit.
- Holders
- 4 -1
- Avg Δ position
- +72.3%
- New buys
- 0
- Full exits
- 1
- Soros sold -100%
- Greenblatt increased +405%
- Wood decreased -87%