LNC · NYSE · STOCK
Lincoln National Corporation
$44.43
52W $32.18 – $47.67
66/100
$8.51B
3.7
1.12
Is LNC Bullish or Bearish?
Bullish.
Innellis AI committee rates Lincoln National Corporation (LNC) Buy with a composite score of 66/100
, based on 6 analysts with 83% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +9.28 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -10.72 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Value Analyst sees a compelling case — p/e of 3.7 is inexpensive for the broad market. Risk Analyst remains cautious — bollinger bandwidth of 21.6% signals elevated volatility. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 3.7 is inexpensive for the broad market — Value
- Price-to-book of 0.8x is a discount to asset value — Value
- ROE of 22.0% shows genuine earnings power backing the valuation — Value
- Dividend yield of 3.9% pays you to wait — Value
- EPS growing 92.2% YoY — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Bollinger bandwidth of 21.6% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 11, 2026
Overall Committee Score
66/100
Agreement
83%
Analysts
6
Conviction
Contested
Sector Rank
Top 37%
of 209 Financial Services peers
Value Analyst
bullish
78
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 3.7 is inexpensive for the broad market
Growth Analyst
bullish
75
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ EPS growing 92.2% YoY
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 21.6% signals elevated volatility
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
67
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.30 across 10 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
48.7
Neutral
MACD Histogram
-0.034
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$38.70
Resistance
$46.81
Bollinger %B
0.59
Inside Bands
Price vs Moving Averages
EMA 9
$45.23
Below
EMA 21
$43.60
Above
EMA 50
$40.91
Above
EMA 200
$38.68
Above
Fundamental Analysis
Valuation
100
Profitability
53
Financial Health
97
Cash Flow
15
Valuation
P/E Ratio
3.7×
P/B Ratio
0.76×
PEG Ratio
0.04
Dividend Yield
4.05%
52W High
$47.67
52W Low
$32.18
Quality & Growth
ROE
1079.2%
ROA
28.2%
Gross Margin
5748.7%
Operating Margin
1464.8%
Revenue Growth YoY
—
Debt / Equity
0.60
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of 3.7 (inexpensive relative to a 15-40x range); Price-to-book of 0.8x; PEG ratio of 0.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 10.8%; Return on assets of 0.3%; Net margin of 12.2%; Gross margin of 57.5%; Current ratio of 25.41 (healthy short-term liquidity); Debt-to-equity of 0.60; Free cash flow per share is negative (-6.89); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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