WallStSmart

Aflac Incorporated (AFL)vsLincoln National Corporation (LNC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lincoln National Corporation generates 4% more annual revenue ($18.83B vs $18.11B). AFL leads profitability with a 25.6% profit margin vs 9.2%. LNC appears more attractively valued with a PEG of 1.01. AFL earns a higher WallStSmart Score of 81/100 (A-).

AFL

Exceptional Buy

81

out of 100

Grade: A-

Growth: 6.7Profit: 8.5Value: 6.3Quality: 5.5
Piotroski: 3/9

LNC

Buy

63

out of 100

Grade: C+

Growth: 3.3Profit: 5.0Value: 7.0Quality: 6.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AFL6 strengths · Avg: 8.8/10
EPS GrowthGrowth
3860.0%10/10

Earnings expanding 3860.0% YoY

Market CapQuality
$57.84B9/10

Large-cap with strong market position

Return on EquityProfitability
20.7%9/10

Every $100 of equity generates 21 in profit

Profit MarginProfitability
25.6%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
13.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

LNC2 strengths · Avg: 10.0/10
P/E RatioValuation
4.1x10/10

Attractively priced relative to earnings

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Areas to Watch

AFL1 concerns · Avg: 3.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

LNC3 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-60.7%2/10

Earnings declined 60.7%

Operating MarginProfitability
-4.1%1/10

Operating margin of -4.1%

Comparative Analysis Report

WallStSmart Research

Bull Case : AFL

The strongest argument for AFL centers on EPS Growth, Market Cap, Return on Equity. Profitability is solid with margins at 25.6% and operating margin at 29.6%. Revenue growth of 27.9% demonstrates continued momentum.

Bull Case : LNC

The strongest argument for LNC centers on P/E Ratio, Price/Book. Revenue growth of 12.5% demonstrates continued momentum. 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.

Bear Case : LNC

The primary concerns for LNC are Piotroski F-Score, EPS Growth, Operating Margin.

Key Dynamics to Monitor

AFL profiles as a growth stock while LNC is a value play — different risk/reward profiles.

LNC carries more volatility with a beta of 1.17 — expect wider price swings.

AFL is growing revenue faster at 27.9% — sustainability is the question.

AFL generates stronger free cash flow (968M), providing more financial flexibility.

Bottom Line

AFL scores higher overall (81/100 vs 63/100), backed by strong 25.6% margins and 27.9% revenue growth. Both earn "Exceptional 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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