Aflac Incorporated (AFL)vsLincoln National Corporation (LNC)
AFL
Aflac Incorporated
$118.24
+2.56%
FINANCIAL SERVICES · Cap: $57.84B
LNC
Lincoln National Corporation
$34.74
+2.06%
FINANCIAL SERVICES · Cap: $7.13B
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 Buy81
out of 100
Grade: A-
LNC
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 3860.0% YoY
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Keeps 26 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
Weak financial health signals
Earnings declined 60.7%
Operating margin of -4.1%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Compare with Other INSURANCE - LIFE Stocks
Want to dig deeper into these stocks?