Lincoln National Corporation Q3 2025 Earnings Recap

LNC Q3 2025 October 31, 2025

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Lincoln Financial delivered robust financial results in Q3 2025, marking its fifth consecutive quarter of year-over-year growth in adjusted operating income, driven by strategic execution across its four business segments.

Earnings Per Share Beat

$2.04 vs $1.84 est.

+10.9% surprise

Revenue Miss

4591000000 vs 4852916150 est.

-5.4% surprise

Market Reaction

1-Day -3.33%

5-Day -2.02%

30-Day -0.19%

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Key Takeaways

Annuities segment posted $4.5 billion in sales, achieving a 36% increase in fixed annuity sales year-over-year.
Life Insurance and Group Protection divisions saw improved earnings due to operational efficiencies and healthy premium growth.
Retirement Plan Services reported positive net flows and higher earnings, fueled by increased account balances.
The annual assumption review yielded favorable adjustments, aligning underlying experience with future expectations.
Enhanced operational efficiency and a strong capital position with well above the 20 percentage point RBC buffer solidify Lincoln's growth strategy.

This summary was generated by AI from the official earnings call transcript and is provided for informational purposes only. It does not constitute financial advice. For the complete transcript and financial data, visit LNC on AllInvestView.