Is LNC stock a Buy, Sell, or Hold?

Based on our analysis, LNC is currently a HOLD with moderate confidence. 📊 HOLD: LNC is fairly valued with market pricing in 2.6% annual growth. Fine to hold or accumulate slowly on dips.

What is the fair value of LNC stock?

Our analysis estimates the fair value range for LNC to be between $42.85 and $45.77. The current price is $43.84.

What is the analyst price target for LNC?

The average Wall Street analyst price target for LNC is $47.92. This implies a potential upside of 9.3% from current levels.

Lincoln National (LNC) Stock: Buy, Sell, or Hold?

LNC - Lincoln National Corp.

LIFE INSURANCE

$43.84

0.28 (0.64%) ▲

5d: -3.99%

30d: -0.59%

90d: +19.78%

HOLD

MODERATE Confidence

Protect Your LNC Gains

Analysis Updated: Sep 11, 2026 12:00 AM ET

Earnings: Oct 29, 2026

Smart Money Accumulation

Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →

Signal fired Sep 4, 2026 at $44.18 · last confirmed Sep 10, 2026

Strength: 5.6/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
📊 HOLD: LNC is fairly valued with market pricing in 2.6% annual growth. Fine to hold or accumulate slowly on dips.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 8.7%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$55.46

Based on 6.4% avg growth

INTRINSIC VALUE TODAY

$34.43

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.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: LNC is currently trading at $43.84, which is considered fair relative to its 30-day fair value range of $42.85 to $45.77. The stock's valuation (Forward PE: 5.0) is in line with its historical norms (4.7). At these levels, the market is pricing in 2.6% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, LNC is in a strong uptrend. Immediate support is located at $42.43, while resistance sits at $45.90.

Market Sentiment: LNC scores 39/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. 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 FAIR

Historical Trading Range $42.85 - $45.77

Company Quality Score 56/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 46.2%

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All Signals

NEUTRAL: Price in fair range
BEARISH: Weak technical setup (39/100)
BULLISH: High volume confirmation
NEUTRAL: Near Wall St target ($47.92)
NEUTRAL: Market pricing in 2.6% annual earnings growth - fairly valued

Trading Range Analysis

30-Day Trading Range $42.85 - $45.77

Current vs Trading Range FAIR

Support & Resistance Levels

Support Level $42.43

Resistance Level $45.90

Current Trend Strong Uptrend

Technical data as of Sep 11, 2026

Fundamental Context

Forward P/E (Next Year Est.) 5.05

Wall Street Target $47.92 (+9.3%)

Revenue Growth (YoY) 12.6%

Earnings Growth (YoY) 76.8%

Profit Margin 12.2%

Valuation Premium vs History +2.6% premium

PE vs Historical 5.1 vs 4.7 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +2.6% (market-implied from PE analysis)

1-Year Target $44.98 (+3%)

2-Year Target $46.15 (+5%)

3-Year Target $47.35 (+8%)

3-Yr Target (if PE normalizes) (PE: 5→5) PE COMPRESSION $44.05 (+1%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 20.2, Growth: 8.7%) $224.53 (+412%)

Base: (SPY PE: 5.1, Growth: 8.7%) $56.24 (+28%)

Bear: (PE: 4.3, Growth: 8.7%) $47.80 (+9%)

📈 Valuation based on Current Earnings

Trailing PE: 3.67 | Current EPS (TTM): $11.87

Bull Case $35.03 (-20%)

Analyst growth -26.9%, PE expands to 4.0

Base Case $31.85 (-27%)

Market implied -26.9%, PE stable at 3.7

Bear Case $29.62 (-32%)

Severe decline -20.0%, PE contracts to 3.1

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

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Last updated: September 12, 2026 2:32 AM ET
Data refreshes hourly during market hours. Next update: 3:32 AM

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Insider Activity (6 Months)

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Advanced LNC Option Strategies

Professional options setups generated by AI based on today's LNC price and gamma walls.

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