LNC Stock Analysis: Buy, Sell, or Hold?
LNC - Lincoln National Corp.
$41.61
-0.03 (-0.07%)
▼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 12, 2026
11d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: LNC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: LNC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$48.99
Based on 2.9% avg growth
INTRINSIC VALUE TODAY
$30.42
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 5.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LNC is currently trading at $41.61, which is considered slightly low relative to its 30-day fair value range of $40.95 to $45.32. The stock's valuation (Forward PE: 5.2) is in line with its historical norms (5.3). Remarkably, the market is currently pricing in an annual earnings decline of 0.9% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, LNC is in a strong uptrend. The price is approaching resistance at $42.12. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: LNC has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $46.67 (+12.1%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, LNC is in a strong uptrend. The price is approaching resistance at $42.12. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: LNC has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $46.67 (+12.1%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Fair Price Range
$40.95 -
$45.32
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
54.8%
Protect Your Profits
Holding LNC? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($46.67)
Fair Price Analysis
30-Day Fair Range
$40.95 -
$45.32
Current vs Fair Value
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$39.07
Resistance Level
$42.12
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
5.18
Wall Street Target
$46.67
(+12.1%)
Revenue Growth (YoY)
9.4%
Earnings Growth (YoY)
-25.5%
Profit Margin
11.5%
Valuation Discount vs History
-0.9% cheaper
PE vs Historical
5.2 vs 5.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.9%
(market-implied from PE analysis)
1-Year Target
$41.27
(-1%)
2-Year Target
$40.89
(-2%)
3-Year Target
$40.53
(-3%)
3-Yr Target (if PE normalizes)
(PE: 5→5)
$41.44
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 1.7%)
$188.51
(+353%)
Base:
(SPY PE: 5.2, Growth: 1.7%)
$43.82
(+5%)
Bear:
(PE: 4.4, Growth: 1.7%)
$37.25
(-11%)
📈
Valuation based on Current Earnings
Trailing PE: 3.55 | Current EPS (TTM): $11.53
Bull Case
$31.35
(-25%)
Analyst growth -30.3%, PE expands to 3.9
Base Case
$28.50
(-32%)
Market implied -30.3%, PE stable at 3.6
Bear Case
$27.82
(-33%)
Severe decline -20.0%, PE contracts to 3.0
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 5.2 to 5.3
Stabilization Target:
$42.58
(+2.2%)
PE Expansion Potential:
+2.2%
Last updated: January 31, 2026 2:12 AM ET
Data refreshes hourly during market hours. Next update: 3:12 AM
Data refreshes hourly during market hours. Next update: 3:12 AM
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Technical Signals Check
Is LNC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
John Christopher Kennedy
SELL
5000 shares
2025-08-07
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Advanced LNC Option Strategies
Professional options setups generated by AI based on today's LNC price and gamma walls.
