NYSE$LNC

Lincoln National Corp · Q3 2020 earnings

Q3 2020 earnings · · Investor relations

Briefing

Lincoln National reported a net income of $398 million and a loss from operations of $133 million.

Lincoln National Group reported a net income of $398 million, or $2.01 per diluted share. However, the adjusted loss from operations was $(133) million, or $(0.72) per diluted share. The results were impacted by the annual review process and elevated claims related to the pandemic.

  • Net income EPS of $2.01 and adjusted operating EPS of $(0.72).
  • Adjusted operating EPS included $(3.07) from notable items, elevated claims experience from COVID-19, and above targeted alternative investment income.
  • BVPS, including AOCI, of $111.51, up 11%; BVPS, excluding AOCI, of $71.10, up 3%.
  • Resuming buybacks in fourth quarter and increased quarterly common stock dividend to $0.42, up 5%

Headline financials

Total Revenue

$5.36B

Previous: $4.64B+15.6%
EPS (adj)

-$0.72

Previous: $2.22-132.4%
Free Cash Flow

$398M

Previous: -$161M+347.2%
Net Income

$398M

Previous: -$161M+347.2%
Operating Income

$617M

Previous: -$136M+553.7%
Gross Profit

$2.22B

Previous: $1.43B+54.9%
Cash & Equivalents

$2.6B

Previous: $2.94B-11.7%
Total Assets

$348B

Previous: $325B+6.9%

Revenue & EPS history

Lincoln National · Revenue · Quarterly

$5.36B

Q3 2020+15.6%vs Q3 2019
Beat estimate in 12 of 16 quarters(75%)
ActualEstimate

Revenue by segment

Lincoln National · $5.14B total across 4 segments · Q3 2020

  • Annuities
    $2.5B
  • Retirement Plan Services
    $2.4B
  • Life Insurance
    $186M
  • Group Protection
    $49M

Forward guidance

The company is resuming buybacks in the fourth quarter and the board approved an increase in the dividend per share.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2020

Historical avgQ3 2020

-0.2%

Avg return

Earnings day

+0.4%

Avg return

5 days after

+0.6%

Avg return

30 days after

50%

36 / 72 earnings

Positive

+7.9%

Q3 2009

Best reaction

-35.5%

Q3 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-4.3%-6.8%-7.7%
Q4 2025+5.6%+8.0%-15.3%
Q3 2025+1.6%+0.7%+2.8%
Q1 2025-1.9%+4.4%-1.7%
Q4 2024+5.9%+13.7%+5.4%
Q3 2024-0.2%-2.4%+5.8%
Q2 2024-9.8%-11.6%-3.6%
Q1 2024+1.5%+5.2%+19.1%
Q4 2023-5.3%-0.9%-0.0%
Q3 2023+6.2%+9.4%+10.8%
Q2 2023-0.9%-2.2%-7.3%
Q1 2023-5.0%-9.9%+10.8%
Q4 2022-3.2%-1.0%-27.6%
Q3 2022-35.5%-38.4%-28.1%
Q2 2022-6.3%-7.6%-8.0%
Q1 2022-5.4%-10.6%-10.8%
Q4 2021-5.5%+0.5%-13.3%
Q3 2021-3.1%-1.1%-11.6%
Q2 2021+5.7%+8.8%+8.9%
Q1 2021+6.1%+7.2%+10.0%
Q4 2020+5.4%+10.8%+23.5%
Q3 2020-4.0%+14.0%+46.4%
Q2 2020-1.6%+7.3%+4.7%
Q1 2020+7.1%+8.7%+45.6%
Q4 2019+6.6%+7.2%-31.5%
Q3 2019-8.8%-3.8%-4.7%
Q2 2019-9.6%-14.7%-20.1%
Q1 2019-0.5%+0.1%-10.9%
Q4 2018+0.7%+0.6%+2.3%
Q3 2018+5.2%+7.2%+4.6%
Q2 2018-3.5%-1.9%-3.7%
Q1 2018-5.4%-2.3%-4.0%
Q4 2017+2.3%-7.0%-12.2%
Q3 2017+1.2%+1.1%+1.0%
Q2 2017-0.6%+0.5%-6.3%
Q1 2017+1.8%+3.7%-0.6%
Q4 2016+1.5%+2.3%+5.4%
Q3 2016+5.2%+6.8%+33.4%
Q2 2016+0.4%+7.8%+12.3%
Q1 2016-5.3%
Q4 2015-4.3%
Q3 2015+5.0%
Q2 2015-0.2%
Q1 2015-1.3%
Q4 2014+1.1%
Q3 2014+1.5%
Q2 2014+0.3%
Q1 2014+0.8%
Q4 2013+2.6%
Q3 2013-0.1%
Q2 2013+7.9%
Q1 2013-6.0%
Q4 2012-0.8%
Q3 2012+1.7%
Q2 2012+6.4%
Q1 2012-4.7%
Q4 2011+0.4%
Q3 2011+2.1%
Q2 2011-6.1%
Q1 2011+0.0%
Q4 2010+2.6%
Q3 2010-3.9%
Q2 2010-0.2%
Q4 2009-0.2%
Q1 2010+4.8%
Q2 2009-0.6%
Q4 2007-0.6%
Q3 2008+7.9%
Q3 2009+7.9%
Q2 2008+6.2%
Q1 2009+6.2%
Q4 2008+6.2%

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