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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%

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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$8.98B+20.1%
Enterprise value$8B+31.2%
P/E5.2×-1.4×
P/S0.5×+0.1×

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 source filing: Lincoln National’s 10-Q, filed May 7, 2026.

Filed
May 7, 2026, 4:23 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0000059558-26-000035
Line itemFor the Three Months Ended March 31, 2026For the Three Months Ended March 31, 2025
Group Protection
Interest accretion rate3.6%3.4%
Current discount rate5.0%4.9%

Item 1. Financial Statements

FAQ

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.

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