LNC Stock Analysis: Buy, Sell, or Hold?
LNC - Lincoln National Corp.
$34.82
-0.42 (-1.19%)
▼
5d:
-2.82%
30d:
-0.74%
90d:
-21.81%
BUY
HIGH Confidence
Analysis Updated: Apr 1, 2026 12:00 AM ET
Earnings: May 14, 2026
Smart Money Distribution
LNC is up 6.7% this week, but smart money is buying puts. Top strike: $30 2026-06-18 with 5,021 OI. Put ratio: 70% View Scanner →
Strength: 5.3/10
Get Alerted When LNC Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
✅ BUY SIGNAL: LNC trading at deep discount. Market pricing in -5.4% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: LNC trading at deep discount. Market pricing in -5.4% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$54.99
Based on 5.8% avg growth
INTRINSIC VALUE TODAY
$34.15
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 4.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LNC is currently trading at $34.82, which is considered fair relative to its 30-day fair value range of $33.53 to $35.59. From a valuation perspective, the stock is trading at a discount (Forward PE: 4.1) compared to its historical average (4.8). Remarkably, the market is currently pricing in an annual earnings decline of 5.4% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, LNC is in a strong uptrend. Immediate support is located at $33.31, while resistance sits at $36.70.
Market Sentiment: LNC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $45.46 (+29.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, LNC is in a strong uptrend. Immediate support is located at $33.31, while resistance sits at $36.70.
Market Sentiment: LNC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $45.46 (+29.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$33.53 -
$35.59
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
83.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 29.0% below Wall St target ($45.46)
Fair Price Analysis
30-Day Fair Range
$33.53 -
$35.59
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$33.31
Resistance Level
$36.70
Current Trend
Strong Uptrend
Technical data as of
Apr 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
4.08
Wall Street Target
$45.46
(+29.0%)
Revenue Growth (YoY)
-3.1%
Earnings Growth (YoY)
-60.7%
Profit Margin
6.4%
Valuation Discount vs History
-5.4% cheaper
PE vs Historical
4.1 vs 4.8
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-5.4%
(market-implied from PE analysis)
1-Year Target
$33.34
(-5%)
2-Year Target
$31.54
(-11%)
3-Year Target
$29.83
(-15%)
3-Yr Target (if PE normalizes)
(PE: 4→5)
$35.13
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 7.6%)
$240.67
(+583%)
Base:
(SPY PE: 4.1, Growth: 7.6%)
$43.89
(+25%)
Bear:
(PE: 3.5, Growth: 7.6%)
$37.31
(+6%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (6x PE), but valuation improves significantly next year (4x PE) as earnings recover.
Trailing PE: 5.80 | Current EPS (TTM): $5.83
Bull Case
$55.30
(+59%)
Analyst growth 48.7%, PE expands to 6.4
Base Case
$50.27
(+45%)
Market implied 48.7%, PE stable at 5.8
Bear Case
$22.99
(-34%)
Severe decline -20.0%, PE contracts to 4.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 4.1 to 4.8
Stabilization Target:
$41.50
(+17.8%)
PE Expansion Potential:
+17.8%
Share & Embed Analysis
Last updated: April 02, 2026 12:05 PM ET
Data refreshes hourly during market hours. Next update: 1:05 PM
Data refreshes hourly during market hours. Next update: 1:05 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is LNC showing a specific setup today?
Insider Activity (6 Months)
3
Buys
4
Sells
Net
INSIDERS SELLING
Recent Transactions
Sean Woodroffe
SELL
8000 shares
2026-03-09
Sean Woodroffe
SELL
10000 shares
2026-03-02
National Life Insuranc L…
BUY
2254486 shares
2026-02-25
Top Rated Insurance - Life Stocks
Top-rated stocks in Insurance - Life by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
MET
MetLife Inc |
STRONG BUY
16 analysts |
$91 | 62 BUY |
|
UNM
Unum Group |
BUY
12 analysts |
$93 | 60 BUY |
|
MFC
Manulife Financial Corp |
BUY
13 analysts |
$34 | 59 HOLD |
|
ABL
Abacus Life Inc. |
STRONG BUY
5 analysts |
$14 | 58 HOLD |
|
GL
Globe Life Inc |
BUY
10 analysts |
$172 | 65 BUY |
Advanced LNC Option Strategies
Professional options setups generated by AI based on today's LNC price and gamma walls.
