Return to menu

Methodology

Return to menu

About us

Insights & Events

Financial Health - The foundation of all investment decisions

Financial Health - The foundation of all investment decisions

Download our white papers to gain expert insight into Lincoln Indicators' investment strategy - underpinned by our proprietary Financial Health Model - and learn how every investor can apply our approach to meet their investment goals.


Financial Health

An essential foundation for confident and informed decision making

Throughout the history of Australia's Stock Exchange, there have been hundreds of corporate failures, both big and small placing investors at risk of losing their entire investment.

Stocks and household names like: Virgin, Dick Smith, Babcock and Brown and, for those that dare to remember, One.Tel all dramatically failed taking investors funds with them. However, each were easily avoided by Stock Doctor members thanks to the trusted Financial Health model.

Understanding the Financial Health of companies has never been so important and without it investors are purely speculating and risking unnecessary financial loss.

For over 25 years Stock Doctors Financial Health model has been relied upon by members as a critical measurement to quickly screen out high risk companies, qualify third party recommendations and to laser your focus on healthy, high-quality opportunities.

Developed by Lincoln Indicators Co-Founder Dr Merv Lincoln, the Financial Health Model applies a unique combination of 14 key accounting ratios to determine a company's Financial Health Score. This data-driven, quantitative, fact based and objective analysis of a company's financials, enables investors to cut through market commentary, speculation, and noise.

In this white paper, you will discover:

  • A true understanding in layman terms, how the Financial Model works
  • Financial Health in practice, to help construct a strong sharemarket portfolio and avoid corporate failures
  • How Stock Doctor helps investors utilise Financial Health easily with their research and stock selection strategies


Download white paper Download white paper

Financial Health - The foundation of all investment decisions

Feature
Information in this communication is current as of publication unless otherwise stated. It is provided for educational purposes only and may not reflect current market data or opinion. It should not be relied upon in respect to any current investment decision. Investments can go up and down. Past performance is not a reliable indicator of future performance.

Important: This communication is provided by or on behalf of Lincoln Indicators Pty Limited ABN 23 006 715 573 (Lincoln), as Corporate Authorised Representative of Lincoln Financial Group Pty Ltd ABN 70 609 751 966, AFSL 483167 for information and educational purposes only. This content may contain general financial product advice. It has been prepared without taking account of your personal circumstances and you should therefore consider its appropriateness in light of your objectives, financial situation and needs, before acting on it. Investments can go up and down. Past performance is not a reliable indicator of future performance. Shares and other investments may go up and down in value, and their past performance may not be repeated and gives no guarantee of future performance. Information in this communication was current as at the date of its preparation, unless otherwise stated, and may be subject to change.

You should read and consider our Important Information and our Financial Services Guide (FSG) which sets out key information about the services we provide. Where our advice relates to the acquisition or possible acquisition of a particular financial product, you should obtain a copy of and consider the Lincoln Australian Income Fund Product Disclosure Statement (PDS), Lincoln Australian Growth Fund Product Disclosure Statement (PDS) and Lincoln U.S. Growth Fund Product Disclosure Statement (PDS) for the product at www.lincolnindicators.com.au before making any decision.

At the date of preparation of this communication, Lincoln, Lincoln Financial Group Pty Ltd or directors, employees and/or associates of these entities "may hold" interests in these ASX-listed companies. Further information about particular stocks held by these entities or persons from time to time is disclosed within the Stock Doctor program and may change at any time without notice.

Lincoln, Lincoln Financial Group Pty Ltd, any directors, employees and agents of these entities, make no representation and give no warranty as to the accuracy of this communication and do not accept any responsibility for any errors or inaccuracies in, or omissions from, this communication (whether negligent or otherwise) and are not liable for any loss or damage howsoever arising as a result of any person acting, or refraining from acting, in reliance on any information in this communication. No person should rely on this communication as it does not purport to be comprehensive. This disclaimer does not purport to exclude any rights under, or warranties implied by, law which may not be lawfully excluded.

Lincoln has taken precautions to minimise the risk of transmitting software viruses, but we advise you to carry out your own virus checks on any downloadable content. We do not accept liability for any loss or damage caused by software viruses.

Copyright © 2025 Lincoln Indicators Pty Ltd. All rights reserved.

All financial services are provided by Lincoln Indicators Pty Ltd ABN 23 006 715 573 (Lincoln) as the Corporate Authorised Representative of Lincoln Financial Group Pty Ltd ABN 70 609 751 966, AFSL 483167.

Site version:  Development:  1.10.4.5252  IP-AC1F2116