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Lincoln National Earnings Calls
| Release date | Oct 30, 2025 |
| EPS estimate | $1.87 |
| EPS actual | $2.04 |
| EPS Surprise | 9.09% |
| Revenue estimate | 4.803B |
| Revenue actual | 4.555B |
| Revenue Surprise | -5.17% |
| Release date | Jul 31, 2025 |
| EPS estimate | $1.88 |
| EPS actual | $3.87 |
| EPS Surprise | 105.85% |
| Revenue estimate | 4.807B |
| Revenue actual | 4.065B |
| Revenue Surprise | -15.43% |
| Release date | May 08, 2025 |
| EPS estimate | $1.54 |
| EPS actual | -$4.15 |
| EPS Surprise | -369.42% |
| Revenue estimate | 4.713B |
| Revenue actual | 4.719B |
| Revenue Surprise | 0.119% |
| Release date | Feb 06, 2025 |
| EPS estimate | $1.76 |
| EPS actual | $9.69 |
| EPS Surprise | 450.57% |
| Revenue estimate | 4.677B |
| Revenue actual | 5.084B |
| Revenue Surprise | 8.70% |
Last 4 Quarters for Lincoln National
Below you can see how LNC-PD performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Feb 06, 2025 |
| Price on release | $27.67 |
| EPS estimate | $1.76 |
| EPS actual | $9.69 |
| EPS surprise | 450.57% |
| Date | Price |
|---|---|
| Jan 31, 2025 | $27.20 |
| Feb 03, 2025 | $27.21 |
| Feb 04, 2025 | $27.36 |
| Feb 05, 2025 | $27.70 |
| Feb 06, 2025 | $27.67 |
| Feb 07, 2025 | $27.70 |
| Feb 10, 2025 | $27.79 |
| Feb 11, 2025 | $27.74 |
| Feb 12, 2025 | $27.57 |
| 4 days before | 1.73% |
| 4 days after | -0.361% |
| On release day | 0.108% |
| Change in period | 1.36% |
| Release date | May 08, 2025 |
| Price on release | $27.09 |
| EPS estimate | $1.54 |
| EPS actual | -$4.15 |
| EPS surprise | -369.42% |
| Date | Price |
|---|---|
| May 02, 2025 | $26.98 |
| May 05, 2025 | $26.69 |
| May 06, 2025 | $26.80 |
| May 07, 2025 | $26.92 |
| May 08, 2025 | $27.09 |
| May 09, 2025 | $27.12 |
| May 12, 2025 | $27.25 |
| May 13, 2025 | $27.30 |
| May 14, 2025 | $27.22 |
| 4 days before | 0.408% |
| 4 days after | 0.480% |
| On release day | 0.0923% |
| Change in period | 0.89% |
| Release date | Jul 31, 2025 |
| Price on release | $27.33 |
| EPS estimate | $1.88 |
| EPS actual | $3.87 |
| EPS surprise | 105.85% |
| Date | Price |
|---|---|
| Jul 25, 2025 | $27.40 |
| Jul 28, 2025 | $27.20 |
| Jul 29, 2025 | $27.29 |
| Jul 30, 2025 | $27.26 |
| Jul 31, 2025 | $27.33 |
| Aug 01, 2025 | $27.24 |
| Aug 04, 2025 | $27.48 |
| Aug 05, 2025 | $27.31 |
| Aug 06, 2025 | $27.32 |
| 4 days before | -0.255% |
| 4 days after | -0.0366% |
| On release day | -0.329% |
| Change in period | -0.292% |
| Release date | Oct 30, 2025 |
| Price on release | $27.11 |
| EPS estimate | $1.87 |
| EPS actual | $2.04 |
| EPS surprise | 9.09% |
| Date | Price |
|---|---|
| Oct 24, 2025 | $27.00 |
| Oct 27, 2025 | $27.10 |
| Oct 28, 2025 | $27.07 |
| Oct 29, 2025 | $27.10 |
| Oct 30, 2025 | $27.11 |
| Oct 31, 2025 | $27.09 |
| Nov 03, 2025 | $27.12 |
| Nov 04, 2025 | $27.18 |
| Nov 05, 2025 | $27.36 |
| 4 days before | 0.407% |
| 4 days after | 0.92% |
| On release day | -0.0738% |
| Change in period | 1.33% |
Lincoln National Earnings Call Transcript Summary of Q3 2025
Lincoln Financial delivered strong Q3 2025 results with the fifth consecutive quarter of year-over-year growth in adjusted operating income. All four business segments (Annuities, Life, Group Protection, Retirement Plan Services) showed momentum: annuity sales grew with a more diversified mix (spread-based products 63% of new business), Life earnings improved driven by stable mortality and expense discipline, Group posted 5% premium growth with strong supplemental health growth, and Retirement Plan Services showed higher account balances, positive net flows and $2.4B of first‑year sales. The company completed its annual assumption review with a minimal net benefit to adjusted operating income ($2M) and maintained a strong capital position (RBC well above their 420% buffer). Key strategic actions: fully transitioned to retaining fixed annuity flows (expected to increase spread income over time), continued scaling of institutional funding agreements (FABN issuance), and plans to deploy excess capital (including Bain proceeds) over the next year to optimize legacy life and support growth. Management reiterated focus on increasing risk‑adjusted returns, reducing volatility, disciplined expense management, and balanced capital deployment (including potential returns to shareholders to be discussed with Q4 outlook).
