Aflac Incorporated (AFL)vsLincoln National Corporation (LNC)
AFL
Aflac Incorporated
$115.28
+0.71%
FINANCIAL SERVICES · Cap: $57.79B
LNC
Lincoln National Corporation
$43.84
+0.64%
FINANCIAL SERVICES · Cap: $8.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Lincoln National Corporation generates 7% more annual revenue ($19.39B vs $18.07B). AFL leads profitability with a 26.9% profit margin vs 12.2%. LNC appears more attractively valued with a PEG of 1.01. LNC earns a higher WallStSmart Score of 78/100 (B+).
AFL
Strong Buy73
out of 100
Grade: B
LNC
Strong Buy78
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 25.7%
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 76.8% YoY
Areas to Watch
Grey zone — moderate risk
Revenue declined 1.0%
Operating margin of 4.6%
Weak financial health signals
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : AFL
The strongest argument for AFL centers on Market Cap, Profit Margin, Debt/Equity. Profitability is solid with margins at 26.9% and operating margin at 25.7%. 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, EPS Growth. Revenue growth of 12.6% 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 Altman Z-Score, Revenue Growth.
Bear Case : LNC
The primary concerns for LNC are Operating Margin, Piotroski F-Score, Free Cash Flow.
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 1.11 — expect wider price swings.
LNC is growing revenue faster at 12.6% — sustainability is the question.
AFL generates stronger free cash flow (112M), providing more financial flexibility.
Bottom Line
LNC scores higher overall (78/100 vs 73/100) and 12.6% revenue growth. Both earn "Strong Buy" and "Strong 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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