LNC 保險 美

Lincoln National Corp (LNC) Surpasses EPS Estimates with Strong Q1 2024 Performance

Net Income: Reported at $1.2 billion, surpassing the estimated $197.54 million.
Earnings Per Share (EPS): Achieved $6.93 per diluted share, significantly exceeding the estimated $1.10.
Revenue: Details not provided in the text, comparison to the estimated $4584.10 million cannot be made.
Adjusted Operating Income: Totaled $71 million, or $0.41 per diluted share, impacted by significant items totaling $164 million.
Significant Financial Items: Included a legal accrual of $90 million and severance expenses of $39 million.
Market Risk Benefits: Gained $1.1 billion primarily from changes in interest rates and equity markets, influencing net income.
RBC Ratio: Estimated to be between 400-410% at the end of the quarter.

ChatGPT：
林肯國民公司 (LNC) 2024 年第一季業績強勁，超出每股收益預期

淨收入：報告為 12 億美元，遠超過預估的 1.9754 億美元。
每股收益（EPS）：每股攤薄後達到 6.93 美元，大幅超出預估的 1.10 美元。
營收：文中未提供詳細信息，無法與預估的 45.841 億美元進行比較。
調整後營運收入：總計 7100 萬美元，或每股攤薄後 0.41 美元，受到總計 1.64 億美元的重大項目影響。
重大財務項目：包括 9000 萬美元的法律準備金和 3900 萬美元的遣散費用。
市場風險利益：主要由於利率和股票市場的變動，獲得 11 億美元，對淨收入產生影響。
RBC 比率：預估在季末介於 400% 至 410% 之間。

看會不會像MCK早期那樣，套了好幾年，最後一鳴驚人翻倍

LNC這一檔被我減碼了,我被之前美國的中小金融公司倒閉潮給嚇到了,還是持有大型金融公司就好.

GEMINI還是比較好用...
LNC 2022年的損失原因如下...
Yes, Lincoln National Corp experienced significant financial losses in 2022. Here's what happened:

• Third Quarter Loss: The major financial blow came in the third quarter of 2022, when the company reported a loss of nearly $2.6 billion. This translated to a loss of $15.17 per share.
  
• Reasons for the Loss: Several factors contributed to this loss:
  
  • Policyholder Lapses: A high number of policyholders in their guaranteed universal life insurance block surrendered their policies, leading to financial strain.
    
  • Statutory Charge: The company incurred a $550 million statutory charge on its reserves due to changes in assumptions used for financial reporting.
    
  • Market Headwinds: Continued impact of COVID-19 claims and other adverse market conditions further affected their performance.
    
  
  
  
• Consequences:
  
  • Stock Price Decline: The stock price of Lincoln National significantly dropped throughout the year, with a major plunge following the third-quarter results.
    
  • Buyback Suspension: The company paused its share buyback program in 2023 as a measure to recover from the losses.
    
  
  
  

It's important to note that while 2022 was a challenging year for Lincoln National, they are taking steps to address these issues and strengthen their financial position.

是的，林肯國民公司在 2022 年經歷了重大財務損失。
第三季虧損：重大財務打擊發生在 2022 年第三季度，該公司報告虧損近 26 億美元。這意味著每股虧損 15.17 美元。
損失原因：造成損失的幾個因素：
保單持有人失誤：保證萬能人壽保險的大量保單持有人放棄了保單，導致財務緊張。
法定費用：由於財務報告中使用的假設發生變化，該公司對其準備金產生了 5.5 億美元的法定費用。
市場逆風：COVID-19 索賠的持續影響和其他不利的市場條件進一步影響了他們的表現。
結果：

股價下跌：林肯國民公司的股價全年大幅下跌，尤其是第三季業績公佈後大幅下跌。
暫停回購：該公司於 2023 年暫停了股票回購計劃，作為彌補損失的措施。
值得注意的是，雖然 2022 年對林肯國民來說是充滿挑戰的一年，但他們正在採取措施解決這些問題並加強其財務狀況。