LNC · NYSE · STOCK
Lincoln National (LNC) Stock Analysis
$40.23
52W $32.18 – $47.67
67/100
$7.70B
3.4
1.15
Is LNC Bullish or Bearish?
Bullish.
Innellis AI committee rates Lincoln National Corporation (LNC) Buy with a composite score of 67/100
, based on 5 analysts with 80% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +7.68 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 — -12.32 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. Growth Analyst sees a compelling case — eps growing 92.2% yoy. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 3.3 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 7.5% pays you to wait — Value
- EPS growing 92.2% YoY — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical
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 October 10, 2026
Overall Committee Score
67/100
Agreement
80%
Analysts
5
Conviction
High
Sector Rank
Top 15%
of 211 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 3.3 is inexpensive for the broad market
Growth Analyst
bullish
79
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 92.2% YoY
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.27 across 16 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 69.4 to 67.3.
- New bearish signals: 1 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Technical Analyst: score 58->48 (-10); +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
38.2
Neutral
MACD Histogram
-0.001
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$38.70
Resistance
$42.65
Bollinger %B
0.22
Inside Bands
Price vs Moving Averages
EMA 9
$40.90
Below
EMA 21
$41.47
Below
EMA 50
$41.84
Below
EMA 200
$39.99
Above
Fundamental Analysis
Valuation
100
Growth
94
Profitability
53
Financial Health
97
Cash Flow
15
Valuation
P/E Ratio
3.4×
P/B Ratio
0.68×
PEG Ratio
0.03
Dividend Yield
4.47%
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
P/E ratio of 3.4 (inexpensive relative to a 15-40x range); Price-to-book of 0.7x; 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); Most recent quarter beat estimates by 13.2%; 4 consecutive earnings beats; EPS growth accelerating (-24.9% -> +34.9% QoQ); Analyst estimates rising over recent quarters
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