---
schema_version: "secwatch.filing_event.v1"
accession: "0000059558-25-000091"
form_type: "8-K"
ticker: "LNC"
cik: "0000059558"
company_name: "LINCOLN NATIONAL CORP"
filed_at: "2025-10-30T23:59:59+00:00"
generated_at: "2026-05-17T01:28:18.421353+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Lincoln Financial reports Q3 net income $411M; adj. EPS $2.04, up from prior-year loss

## Summary
- Net income available to common stockholders of $411M ($2.12 diluted EPS) vs prior-year loss of $562M.
- Adjusted operating income $397M ($2.04 diluted EPS) vs $358M; annual assumption review gave $2M favorable impact.
- Annuities operating income $310M; sales $4.5B (+32%) and record account balances of $174B net of reinsurance.
- Life Insurance sales surged 144% to $298M; Group Protection premiums +5% to $1.35B; operating income $149M.
- Retirement Plan Services deposits $5.0B (+20%); net inflows $0.8B. Holding company liquidity $461M; RBC >420%.

## SEC filing metadata
- accession: 0000059558-25-000091
- form_type: 8-K
- ticker: LNC
- cik: 0000059558
- company_name: LINCOLN NATIONAL CORP
- filed_at: 2025-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/59558/000005955825000091/0000059558-25-000091-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/59558/000005955825000091/lnc-20251030.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000059558-25-000091
- JSON: https://secwatch.observer/filing/0000059558-25-000091.json
- Plain text: https://secwatch.observer/filing/0000059558-25-000091.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.