Lincoln National (LNC) Stock: Buy, Sell, or Hold?
LNC - Lincoln National Corp.
$41.11
0.72 (1.78%)
▲
5d:
+2.75%
30d:
+0.07%
90d:
-0.6%
BUY
HIGH Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Nov 05, 2026
13d
Smart Money Distribution
Options positioning is turning defensive after a sharp run-up - a pattern consistent with institutional profit-taking. View Scanner →
Signal fired Oct 20, 2026 at $39.97 · last confirmed Oct 20, 2026
Strength: 3.2/10
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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 slightly low pricing.
✅ BUY SIGNAL: LNC shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$57.97
Based on 7.2% avg growth
INTRINSIC VALUE TODAY
$35.99
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 4.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LNC is currently trading at $41.11, which is considered slightly low relative to its 30-day fair value range of $39.92 to $42.15. The stock's valuation (Forward PE: 4.6) is in line with its historical norms (4.7). Remarkably, the market is currently pricing in an annual earnings decline of 0.4% over the next few years. This pessimistic expectation contrasts with the company's recent 76.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, LNC is in a strong uptrend. The price is approaching resistance at $41.11. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: LNC scores 73/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $47.83 (+18.4%). 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 $41.11. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: LNC scores 73/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $47.83 (+18.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$39.92 -
$42.15
Company Quality Score
66/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
88.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (73/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($47.83)
- BULLISH: Bottoming setup score 73/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$39.92 -
$42.15
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$39.01
Resistance Level
$41.11
Current Trend
Strong Uptrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
4.63
Wall Street Target
$47.83
(+18.4%)
Revenue Growth (YoY)
12.6%
Earnings Growth (YoY)
76.8%
Profit Margin
12.2%
Valuation Discount vs History
-0.4% cheaper
PE vs Historical
4.6 vs 4.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.4%
(market-implied from PE analysis)
1-Year Target
$40.23
(0%)
2-Year Target
$40.07
(-1%)
3-Year Target
$39.91
(-1%)
3-Yr Target (if PE normalizes)
(PE: 5→5)
$40.50
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 10.4%)
$233.30
(+478%)
Base:
(SPY PE: 4.6, Growth: 10.4%)
$54.40
(+35%)
Bear:
(PE: 3.9, Growth: 10.4%)
$46.24
(+15%)
📈
Valuation based on Current Earnings
Trailing PE: 3.37 | Current EPS (TTM): $11.73
Bull Case
$32.35
(-20%)
Analyst growth -25.6%, PE expands to 3.7
Base Case
$29.41
(-27%)
Market implied -25.6%, PE stable at 3.4
Bear Case
$26.89
(-33%)
Severe decline -20.0%, PE contracts to 2.9
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 4.6 to 4.7
Stabilization Target:
$40.99
(+1.5%)
PE Expansion Potential:
+1.5%
Share & Embed Analysis
Last updated: October 22, 2026 4:18 PM ET
Data refreshes hourly during market hours. Next update: 5:18 PM
Data refreshes hourly during market hours. Next update: 5:18 PM
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Technical Signals Check
Is LNC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
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Advanced LNC Option Strategies
Professional options setups generated by AI based on today's LNC price and gamma walls.
