Profitability
Weight: 25%
D-
32
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.4%
- Operating Margin Trend -2.48 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: 20%
A-
85
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 16.2%
- 5yr Share-Count CAGR -0.4%
Growth Quality
Weight: 10%
B-
64
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 26.2%
- 5yr EPS CAGR -5.8%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
D
36
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 0.46x
Balance Sheet
Weight: 30%
D-
31
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 2.6%
- Interest Coverage (EBIT/Int) 6.89x
Stability
Weight: 10%
C-
46
- EPS Volatility (σ/μ) 0.60
- Piotroski F-Score 5
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.5 of 5 gurus held; 1 added; 3 trimmed.
- Holders
- 5
- Avg Δ position
- +24.4%
- New buys
- 0
- Full exits
- 0
- Wood increased +262%
- Soros decreased -79%
- Greenblatt decreased -54%