Lincoln National Corporation, through its subsidiaries, operates multiple insurance and retirement businesses in the United States. It operates through four segments: Annuities, Retirement Plan Services, Life Insurance, and Group Protection. The Annuities segment offers fixed, variable, and indexed variable annuities. The Retirement Plan Services segment provides employers with retirement plan products and services primarily in the defined contribution retirement plan marketplace. This segment offers individual and group variable annuities, group fixed annuities, and mutual fund-based programs; and a range of plan services, including plan recordkeeping, compliance testing, participant education, and trust and custodial services. The Life Insurance segment provides life insurance products, including term insurance, such as single and survivorship versions of universal life insurance; variable universal life insurance; indexed universal life insurance products; and critical illness and long-term care riders. The Group Protection segment offers group non-medical insurance products comprising short and long-term disability, statutory disability and paid family medical leave administration and absence management services, term life, dental, vision and accident, and critical illness benefits and services to the employer marketplace through various forms of employee-paid and employer-paid plans. The company distributes its products through consultants, brokers, planners, agents, financial advisors, third-party administrators, and other intermediaries. Lincoln National Corporation was founded in 1905 and is based in Radnor, Pennsylvania.

Lincoln National Corporation

Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides commercial and retail banking products and services. It operates through three segments: Community Banking, Wholesale Banking, and Financial Management Services. The company's commercial banking services include treasury management, asset management, capital market, and institutional trust services, as well as commercial, financial, and real estate loans. Its retail banking services comprise accepting customary types of demand and savings deposits accounts; mortgage, installment, and other consumer loans; investment and brokerage services; safe deposit services; automated banking services; automated fund transfers; Internet-based banking services; and bank credit and debit card services. The company also offers various other financial services, including portfolio management for fixed-income securities, investment banking, execution of securities transactions as a broker/dealer, and financial planning services, as well as provides individual investment advice on equity and other securities. As of December 31, 2020, it operated through 289 branches and 389 ATMs in Alabama, Florida, Georgia, South Carolina, and Tennessee. The company was founded in 1888 and is headquartered in Columbus, Georgia.

Synovus Financial Corp.

JSA provides public relations, digital marketing, and event planning services to global connectivity companies, including data centers and network operators.

Lincoln Financial provides financial services and insurance solutions. Self-described as a leader in this field.

Metric
Company Name	Lincoln National Corporation	Synovus Financial Corp.	JSA
Symbol	LNC	SNV
MSH ID	COM:LINCOLNFINANCIAL	COM:SYNOVUS	NET:JSA
Market	STOCKS	STOCKS	PRIVATE
Sector	Financial Services	Financial Services	Commercial & Professional Services
Industry	Insurance - Life	Banks - Regional	Marketing and Advertising
Country	US	US	US
Stage		Post-IPO Debt
Employee Count	11.02K	4.73K
Website	lfg.com	synovus.com	jsa.net
LinkedIn			jaymie-scotto-associates
Founders

Metric
Market Cap	5.35B	5.96B
Enterprise Value
Monthly Web Traffic		930.25K	2.85K
Web Traffic Growth		-0.11	2.09
Valuation
Raised Capital		500M

Metric
Revenue	14.02B	2.03B
Revenue (LTM)
Revenue (NTM)
Gross Profit	11.64B	1.71B
EBITDA	39M	2.69B
Operating Income	8.57B	858.67M
Net Income	-752M	543.71M
EPS	-4.43	3.46
Diluted EPS	-4.43	3.46
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.74	0.93
Operating Profit Margin	0.18	0.42
EBITDA Margin	0.00	1.33
Net Profit Margin	0.13	0.27
Return on Equity	0.38	0.11
Return on Assets	3.82	0.01
Return on Capital Employed	5.69	0.02

COM:LINCOLNFINANCIAL

Lincoln Financial

Last Close

34.82

22/11 21:00

Market Cap

5.35B

Beta: -

Volume Today

915.71K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	3.49	7.65
P/B Ratio	1.41	1.14
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	0.50	2.94
EV Multiple	3.28	8.97

Metric
Days Sales Outstanding	453.73
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	32.40	0.04

Metric
Operating Cash Flow	-2.07B	937.35M
Free Cash Flow	-2.07B	905.14M
Cash Flow to Debt	-0.35	0.65
Operating Cash Flow/Sales	-0.19	0.62
Free Cash Flow Yield	0.10	0.33

Metric
Cash & Equivalents	3.37B	2.41B
Accounts Receivable
Inventory	-52.83B	-1.21B
Goodwill	1.14B	480.44M
Debt to Capitalization	0.50	0.32
Debt to Assets	0.02	0.05
Current Ratio		4.80K
Quick Ratio	8.19	3.62K

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue		0.01
R&D to Revenue
SG&A to Revenue		0.34