Lincoln Financial Q4 net income $1.7B, adjusted EPS $1.91; RBC ratio >430%

LINCOLN NATIONAL CORP

2024-FY EPS reported $18.41 revenue$18,442,000,000

Q4 net income $1.7B ($9.63/diluted share) vs net loss $1.2B in Q4 2023.
Adjusted operating income $332M ($1.91/diluted share), up from $252M a year ago.
Annuities operating income $303M (+14% YoY); full-year sales highest since 2019 at $13.7B.
Group Protection operating income $107M (more than doubled); margin 8.4% (+430 bps).
Estimated RBC ratio >430% at year-end; holding company liquidity $463M.

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