Skip to main content

Lincoln National Corporation (LNC) Stock Analysis

Recovery setup

HoldModerate Confidence

Financial Services · Insurance - Life

Earnings in 6 days (2026-05-07). Expect elevated volatility around the report — consider waiting for post-earnings price action before new entries.

Hold if already holding. Not a fresh buy at $37.94, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings in 6 days (event risk).

Lincoln National Corporation is an Indiana-based insurance and retirement holding company operating through four segments: Annuities, Life Insurance, Group Protection, and Retirement Plan Services. It sells wealth accumulation, protection, and retirement income products through... Read more

$37.94-1.4% A.UpsideScore 5.8/10#6 of 15 Insurance - Life
Stop $35.98Target $37.43(resistance)A.R:R -0.2:1
Analyst target$42.58+12.2%12 analysts
$37.43our TP
$37.94price
$42.58mean
$34
$56

Hold if already holding. Not a fresh buy at $37.94, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings in 6 days (event risk). Chart setup: Death cross but MACD improving, RSI 77. Mixed signals. Hold existing position. Score 5.8/10, moderate confidence.

Passes 4/7 gates (clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and earnings proximity 6d<=7d. Suitability: moderate.

Thesis

Rewards
Strong earnings beat streak (4/4)
Earnings estimates trending UP
Attractive valuation
Risks
Analyst target reached - limited upside remaining
Earnings in 6 days (event risk)
Overbought (RSI 77)

Key Metrics

P/E (TTM)6.3
P/E (Fwd)4.4
Mkt Cap$7.1B
EV/EBITDA-24.8
Profit Mgn6.4%
ROE12.3%
Rev Growth-3.1%
Beta1.22
Dividend4.87%
Rating analysts19

Quality Signals

Piotroski F4/9

Options Flow

P/C0.55bullish
IV58%elevated
Max Pain$18-53.9% vs spot

Material Events(8-K, last 90d)

  • 2026-04-16Item 5.02MEDIUM
    Brian Kroll, Executive Vice President and Head of Retail Life and Annuity Solutions, notified intent to retire effective June 1, 2026. Described as part of a planned succession for the Retail Life and Annuities businesses.
    SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Support Resistance
0.5
Bollinger
1.0
52w Position
6.6
GatesMomentum 4.1<4.5A.R:R -0.2=NEGATIVEEARNINGS PROXIMITY 6d<=7dInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARRecoverySuitability: Moderate
RSI
77 · Overbought
20D MA 50D MA 200D MADEATH CROSSSupport $33.32Resistance $38.19

Price Targets

$36
$37
A.Upside-1.3%
A.R:R-0.2:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-2.4% upside)
! Momentum score 4.1/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-05-07 (6d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is LNC stock a buy right now?

Hold if already holding. Not a fresh buy at $37.94, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings in 6 days (event risk). Chart setup: Death cross but MACD improving, RSI 77. Mixed signals. Hold existing position. Target $37.43 (-1.3%), stop $35.98 (−5.4%), A.R:R -0.2:1. Score 5.8/10, moderate confidence.

What is the LNC stock price target?

Take-profit target: $37.43 (-1.4% upside). Target $37.43 (-1.3%), stop $35.98 (−5.4%), A.R:R -0.2:1. Stop-loss: $35.98.

What are the risks of investing in LNC?

Analyst target reached - limited upside remaining; Earnings in 6 days (event risk); Overbought (RSI 77).

Is LNC overvalued or undervalued?

Lincoln National Corporation trades at a P/E of 6.3 (forward 4.4). TrendMatrix value score: 8.7/10. Verdict: Hold.

What do analysts say about LNC?

19 analysts cover LNC with a consensus score of 3.4/5. Average price target: $43.

What does Lincoln National Corporation do?Lincoln National Corporation is an Indiana-based insurance and retirement holding company operating through four...

Lincoln National Corporation is an Indiana-based insurance and retirement holding company operating through four segments: Annuities, Life Insurance, Group Protection, and Retirement Plan Services. It sells wealth accumulation, protection, and retirement income products through approximately 450 wholesale distributors to financial intermediaries and employers.

Related stocks: PRU (Prudential Financial, Inc.) · PUK (Prudential Public Limited Compa) · FG (F&G Annuities & Life, Inc.) · PRI (Primerica, Inc.) · CNO (CNO Financial Group, Inc.)