{"schema_version":"secwatch.filing_event.v1","accession":"0000059558-25-000007","form_type":"8-K","ticker":"LNC","cik":"0000059558","company_name":"LINCOLN NATIONAL CORP","filed_at":"2025-02-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.059728+00:00","generated_at":"2026-05-27T02:01:18.055889+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Lincoln Financial Q4 net income $1.7B, adjusted EPS $1.91; RBC ratio >430%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000059558-25-000007","json":"https://secwatch.observer/filing/0000059558-25-000007.json","markdown":"https://secwatch.observer/filing/0000059558-25-000007.md","text":"https://secwatch.observer/filing/0000059558-25-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/59558/000005955825000007/0000059558-25-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/59558/000005955825000007/lnc-20250206.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T02:01:18.055889+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}