WallStSmart

Lincoln Educational Services (LINC)vsTarget Corporation (TGT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Target Corporation generates 20118% more annual revenue ($104.78B vs $518.24M). LINC leads profitability with a 3.9% profit margin vs 3.5%. TGT appears more attractively valued with a PEG of 2.41. LINC earns a higher WallStSmart Score of 50/100 (C-).

LINC

Buy

50

out of 100

Grade: C-

Growth: 8.7Profit: 5.5Value: 2.7Quality: 5.0

TGT

Hold

48

out of 100

Grade: D+

Growth: 2.0Profit: 5.5Value: 7.3Quality: 5.3
Piotroski: 4/9Altman Z: 2.48
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LINCOvervalued (-6.3%)

Margin of Safety

-6.3%

Fair Value

$25.34

Current Price

$40.35

$15.01 premium

UndervaluedFair: $25.34Overvalued
TGTUndervalued (+33.2%)

Margin of Safety

+33.2%

Fair Value

$171.60

Current Price

$129.75

$41.85 discount

UndervaluedFair: $171.60Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LINC2 strengths · Avg: 9.0/10
EPS GrowthGrowth
87.1%10/10

Earnings expanding 87.1% YoY

Revenue GrowthGrowth
19.7%8/10

19.7% revenue growth

TGT4 strengths · Avg: 8.5/10
Market CapQuality
$58.08B9/10

Large-cap with strong market position

Return on EquityProfitability
24.0%9/10

Every $100 of equity generates 24 in profit

P/E RatioValuation
15.8x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$2.29B8/10

Generating 2.3B in free cash flow

Areas to Watch

LINC4 concerns · Avg: 2.5/10
Market CapQuality
$1.27B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
3.9%3/10

3.9% margin — thin

PEG RatioValuation
3.782/10

Expensive relative to growth rate

P/E RatioValuation
62.2x2/10

Premium valuation, high expectations priced in

TGT4 concerns · Avg: 3.0/10
PEG RatioValuation
2.414/10

Expensive relative to growth rate

Profit MarginProfitability
3.5%3/10

3.5% margin — thin

Operating MarginProfitability
4.9%3/10

Operating margin of 4.9%

Revenue GrowthGrowth
-1.5%2/10

Revenue declined 1.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : LINC

The strongest argument for LINC centers on EPS Growth, Revenue Growth. Revenue growth of 19.7% demonstrates continued momentum.

Bull Case : TGT

The strongest argument for TGT centers on Market Cap, Return on Equity, P/E Ratio.

Bear Case : LINC

The primary concerns for LINC are Market Cap, Profit Margin, PEG Ratio. A P/E of 62.2x leaves little room for execution misses. Thin 3.9% margins leave little buffer for downturns.

Bear Case : TGT

The primary concerns for TGT are PEG Ratio, Profit Margin, Operating Margin. Thin 3.5% margins leave little buffer for downturns.

Key Dynamics to Monitor

LINC profiles as a growth stock while TGT is a value play — different risk/reward profiles.

TGT carries more volatility with a beta of 1.03 — expect wider price swings.

LINC is growing revenue faster at 19.7% — sustainability is the question.

TGT generates stronger free cash flow (2.3B), providing more financial flexibility.

Bottom Line

LINC scores higher overall (50/100 vs 48/100) and 19.7% revenue growth. TGT offers better value entry with a 33.2% margin of safety. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Lincoln Educational Services

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Lincoln Educational Services Corporation offers various career-oriented postsecondary education services to high school graduates and working adults in the United States. The company is headquartered in West Orange, New Jersey.

Target Corporation

CONSUMER DEFENSIVE · DISCOUNT STORES · USA

Target Corporation is an American retail corporation. Their retail formats include the discount store Target, the hypermarket SuperTarget, and small-format stores previously named CityTarget and TargetExpress before being consolidated under the Target branding.

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