LNC Should I Buy
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Lincoln National Corp (LNC) is not a strong buy at the moment for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. While the company has shown some positive earnings surprises, the overall financial performance is weak, and technical indicators do not suggest a clear upward trend. Additionally, analyst ratings remain largely neutral, and there are no strong proprietary trading signals to support a buy decision.
The MACD is below 0 and negatively contracting, indicating bearish momentum. RSI is neutral at 54.674, and moving averages are converging, showing no clear trend. Key support and resistance levels are at 38.793 and 42.372, respectively, with the current price near the pivot point of 40.582.
Analysts like Jefferies and Mizuho have issued optimistic price targets of $59 and $52, respectively, citing undervaluation and potential tailwinds in the life insurance sector.
Q4 financials showed a significant decline in revenue (-16.51% YoY), net income (-55.55% YoY), and EPS (-60.54% YoY). Analyst ratings are largely neutral, with no strong buy consensus. The options market shows mixed sentiment, and hedge funds and insiders are neutral with no significant trading trends.
In Q4 2025, Lincoln National reported a 31% YoY increase in adjusted operating income to $434 million. However, revenue dropped by 16.51% YoY to $5.304 billion, and net income fell by 55.55% YoY to $745 million. EPS also declined by 60.54% YoY to $3.8, indicating weak overall financial performance.
Analysts have issued mostly neutral ratings. Recent price target changes include TD Cowen raising the target to $43, Barclays lowering it to $45, and Jefferies raising it to $59. The consensus view is cautious optimism, with concerns about spread compression and rising costs offsetting potential tailwinds.
