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Lincoln National LNC Group Protection — Current discount rate

Other segment segments

Payout Annuities
5.3%+1.9%
Traditional Life
4.9%0.0%

Similar metrics at other companies

Unum logo
UNMGroup Disability — Current discount rate
4.7%0.0pp
Unum logo
UNMGroup Life and AD&D — Current discount rate
2.7%0.0pp
Equitable Holdings logo
EQHGroup Pension — Current discount rate
5.1%+0.1pp
Jackson Financial logo
JXNCurrent discount rate on future policy benefits
$73M+197%
The Hartford Financial Services Group logo
HIGGroup Insurance Policy — Weighted average discount rate
8%0.0pp
Unum logo
UNMGroup Disability — Liability for Future Policy Benefit, Expected Future Policy Benefit, Original Discount Rate, before Cash Flow and Reinsurance
462,550,000,000%-23,700,000,000pp

Other financials

Income statement

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Revenue$5.3B+13.1%
Net income-$172.0M+76.2%
EPS (diluted)-$1.10+75.1%

Balance sheet

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Cash & equivalents$7.3B+71.5%
Total debt$6.4B+8.5%
Total equity$10.2B+24.6%
Total assets$406.16B+6.1%

Cash flow

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Operating cash flow$138.0M+151%

Valuation

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Market cap$7.11B+10.3%
Enterprise value$6.13B-25.1%
P/E4.1×-0.7×
P/S0.4×0.0×

Profitability

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Net margin9.2%+2.2pp

Returns & leverage

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Return on equity18.8%+1.8pp
Debt / equity0.6×-0.1×

Where this comes from

Reported directly by Lincoln National in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate.

The official record: Lincoln National’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Lincoln National's group protection — current discount rate?
Lincoln National (LNC) reported group protection — current discount rate of 5% in Q1 2026.
How has Lincoln National's group protection — current discount rate changed year-over-year?
Lincoln National's group protection — current discount rate increased by 2.0% year-over-year, from 4.9% to 5%.
What is the long-term trend for Lincoln National's group protection — current discount rate?
Over 2 years (2023 to 2025), Lincoln National's group protection — current discount rate has grown at a -3.0% compound annual growth rate (CAGR), from 20.3% to 19.1%.
What does group protection — current discount rate mean?
The interest rate used to calculate the present value of future insurance policy obligations within the group protection segment. This rate reflects current market conditions and is critical for determining the adequacy of reserves held for long-term disability and life insurance liabilities.