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Sep 30, 2023

Lincoln National Q3 2023 Earnings Report

Lincoln National's earnings did not meet expectations due to higher severity in group life and elevated expenses, but sequential sales growth was achieved in Retail Solutions businesses.

Key Takeaways

Lincoln National Group reported a net income of $819 million, or $4.79 per diluted share, for Q3 2023, a significant improvement compared to the net loss of $1.8 billion in Q3 2022. However, adjusted operating income was $39 million, or $0.23 per diluted share, impacted by unfavorable notable items and challenges in the Life Insurance business. Expenses increased across all segments, and Group Protection earnings were affected by higher life severity and weaker disability incidence.

Net income available to common stockholders was $4.79 per diluted share.

Adjusted operating income available to common stockholders was $0.23 per diluted share, including net unfavorable notable items of $0.84 per diluted share.

Group Protection earnings were impacted by higher life severity and weaker disability incidence.

Sequential sales growth was achieved in Retail Solutions businesses, with strong sales pipelines in Workplace Solutions businesses.

Total Revenue
$4.2B
Previous year: $4.63B
-9.2%
EPS
$0.23
Previous year: $1.39
-83.5%
Gross Profit
-$109M
Previous year: $4.8B
-102.3%
Cash and Equivalents
$2.53B
Previous year: $1.47B
+71.8%
Total Assets
$338B
Previous year: $324B
+4.4%

Lincoln National

Lincoln National

Lincoln National Revenue by Segment

Forward Guidance

No specific forward guidance was provided in the earnings report.

Revenue & Expenses

Visualization of income flow from segment revenue to net income