LNC Stock Analysis: Buy, Sell, or Hold?
LNC - Lincoln National Corp.
$36.03
0.05 (0.14%)
▲
5d:
+4.83%
30d:
-1.18%
90d:
+0.95%
BUY
HIGH Confidence
Analysis Updated: May 22, 2026 12:00 AM ET
Earnings: Jul 30, 2026
Smart Money Accumulation
None View Scanner →
Strength: 6.1/10
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: LNC shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: LNC shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$51.91
Based on 6.2% avg growth
INTRINSIC VALUE TODAY
$32.23
Trading above historical range
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 4.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LNC is currently trading at $36.03, which is considered fair relative to its 30-day fair value range of $34.98 to $37.27. The stock's valuation (Forward PE: 4.3) is in line with its historical norms (4.6). Remarkably, the market is currently pricing in an annual earnings decline of 2.4% 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 $36.58. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: LNC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $42.83 (+18.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, LNC is in a strong uptrend. The price is approaching resistance at $36.58. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: LNC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $42.83 (+18.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$34.98 -
$37.27
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
81.0%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($42.83)
Trading Range Analysis
30-Day Trading Range
$34.98 -
$37.27
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$34.02
Resistance Level
$36.58
Current Trend
Strong Uptrend
Technical data as of
May 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
4.31
Wall Street Target
$42.83
(+18.9%)
Revenue Growth (YoY)
12.5%
Earnings Growth (YoY)
-60.7%
Profit Margin
9.2%
Valuation Discount vs History
-2.4% cheaper
PE vs Historical
4.3 vs 4.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.4%
(market-implied from PE analysis)
1-Year Target
$35.17
(-2%)
2-Year Target
$34.32
(-5%)
3-Year Target
$33.50
(-7%)
3-Yr Target (if PE normalizes)
(PE: 4→5)
$35.75
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.0, Growth: 8.4%)
$233.92
(+549%)
Base:
(SPY PE: 4.3, Growth: 8.4%)
$45.85
(+27%)
Bear:
(PE: 3.7, Growth: 8.4%)
$38.98
(+8%)
📈
Valuation based on Current Earnings
Trailing PE: 3.94 | Current EPS (TTM): $9.14
Bull Case
$36.19
(+1%)
Analyst growth -8.6%, PE expands to 4.3
Base Case
$32.90
(-9%)
Market implied -8.6%, PE stable at 3.9
Bear Case
$24.47
(-32%)
Severe decline -20.0%, PE contracts to 3.4
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 4.3 to 4.6
Stabilization Target:
$38.45
(+6.7%)
PE Expansion Potential:
+6.7%
Share & Embed Analysis
Last updated: May 25, 2026 7:44 AM ET
Data refreshes hourly during market hours. Next update: 8:44 AM
Data refreshes hourly during market hours. Next update: 8:44 AM
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Technical Signals Check
Is LNC showing a specific setup today?
Insider Activity (6 Months)
2
Buys
4
Sells
Net
INSIDERS SELLING
Recent Transactions
Sean Woodroffe
SELL
8000 shares
2026-03-09
Sean Woodroffe
SELL
10000 shares
2026-03-02
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2254486 shares
2026-02-25
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Advanced LNC Option Strategies
Professional options setups generated by AI based on today's LNC price and gamma walls.
