Aflac Incorporated (AFL)vsLincoln National Corporation (LNC)
AFL
Aflac Incorporated
$107.21
+0.95%
FINANCIAL SERVICES · Cap: $56.19B
LNC
Lincoln National Corporation
$35.93
+2.31%
FINANCIAL SERVICES · Cap: $6.83B
Smart Verdict
WallStSmart Research — data-driven comparison
Lincoln National Corporation generates 6% more annual revenue ($18.27B vs $17.16B). AFL leads profitability with a 21.2% profit margin vs 6.4%. LNC appears more attractively valued with a PEG of 1.01. AFL earns a higher WallStSmart Score of 63/100 (C+).
AFL
Buy63
out of 100
Grade: C+
LNC
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-150.7%
Fair Value
$46.38
Current Price
$107.21
$60.83 premium
Margin of Safety
+2.9%
Fair Value
$39.64
Current Price
$35.93
$3.71 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 33.6%
Large-cap with strong market position
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Weak financial health signals
Revenue declined 9.9%
Earnings declined 22.9%
Distress zone — elevated risk
6.4% margin — thin
Weak financial health signals
Revenue declined 3.1%
Earnings declined 60.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : AFL
The strongest argument for AFL centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 21.2% and operating margin at 33.6%. PEG of 1.18 suggests the stock is reasonably priced for its growth.
Bull Case : LNC
The strongest argument for LNC centers on P/E Ratio, Price/Book. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : AFL
The primary concerns for AFL are Piotroski F-Score, Revenue Growth, EPS Growth.
Bear Case : LNC
The primary concerns for LNC are Profit Margin, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
AFL profiles as a declining stock while LNC is a value play — different risk/reward profiles.
LNC carries more volatility with a beta of 1.28 — expect wider price swings.
LNC is growing revenue faster at -3.1% — sustainability is the question.
AFL generates stronger free cash flow (315M), providing more financial flexibility.
Bottom Line
AFL scores higher overall (63/100 vs 59/100), backed by strong 21.2% margins. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Aflac Incorporated
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Aflac Inc. (American Family Life Assurance Company) is an American insurance company and is the largest provider of supplemental insurance in the United States.
Lincoln National Corporation
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Lincoln National Corporation is an American holding company, which operates multiple insurance and investment management businesses through subsidiary companies. Lincoln Financial Group is the marketing name for LNC and its subsidiary companies.
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