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. The stock shows bearish technical indicators, weak financial performance, and insider selling trends. While some analysts maintain positive ratings, the lack of recent positive news and weak financials suggest holding off on investment for now.
The technical indicators for LNC are bearish. The MACD is below 0 and contracting negatively, the RSI is neutral at 37.78, and the moving averages are bearish (SMA_200 > SMA_20 > SMA_5). The stock is trading below its pivot level of 36.03, with key support at 32.97 and resistance at 39.089.
Some analysts maintain an Overweight rating, citing potential for increased free cash flow, reduced leverage, and stock buybacks in the future. Wells Fargo and Morgan Stanley have price targets of $48 and $46, respectively.
Insiders are selling heavily, with a 170.23% increase in selling activity over the last month. Financial performance in Q4 2025 was weak, with revenue down 16.29% YoY, net income down 55.67% YoY, and EPS down 60.54% YoY. No recent news or political trading activity supports the stock.
In Q4 2025, Lincoln National's revenue dropped to $5.318 billion (-16.29% YoY), net income fell to $743 million (-55.67% YoY), and EPS declined to 3.8 (-60.54% YoY). Gross margin showed no improvement.
Analysts are mixed on LNC. Morgan Stanley lowered its price target to $46 but maintained an Overweight rating. Wells Fargo upgraded the stock to Overweight with a $48 price target, citing improving free cash flow and leverage reduction. However, Barclays and BofA lowered their price targets, reflecting cautious optimism and concerns about valuation pressures.
