Lincoln National Corporation (LNC)vsPrudential Financial Inc (PRU)
LNC
Lincoln National Corporation
$35.93
+2.31%
FINANCIAL SERVICES · Cap: $6.83B
PRU
Prudential Financial Inc
$95.26
+0.49%
FINANCIAL SERVICES · Cap: $32.99B
Smart Verdict
WallStSmart Research — data-driven comparison
Prudential Financial Inc generates 235% more annual revenue ($61.23B vs $18.27B). LNC leads profitability with a 6.4% profit margin vs 5.8%. PRU appears more attractively valued with a PEG of 0.60. PRU earns a higher WallStSmart Score of 81/100 (A-).
LNC
Buy59
out of 100
Grade: C
PRU
Exceptional Buy81
out of 100
Grade: A-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+2.9%
Fair Value
$39.64
Current Price
$35.93
$3.71 discount
Margin of Safety
+77.5%
Fair Value
$467.53
Current Price
$95.26
$372.27 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 31.2% year-over-year
Growing faster than its price suggests
Generating 3.3B in free cash flow
Areas to Watch
6.4% margin — thin
Weak financial health signals
Revenue declined 3.1%
Earnings declined 60.7%
2.2% earnings growth
5.8% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : PRU
The strongest argument for PRU centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 31.2% demonstrates continued momentum. PEG of 0.60 suggests the stock is reasonably priced for its growth.
Bear Case : LNC
The primary concerns for LNC are Profit Margin, Piotroski F-Score, Revenue Growth.
Bear Case : PRU
The primary concerns for PRU are EPS Growth, Profit Margin.
Key Dynamics to Monitor
LNC profiles as a value stock while PRU is a hypergrowth play — different risk/reward profiles.
LNC carries more volatility with a beta of 1.28 — expect wider price swings.
PRU is growing revenue faster at 31.2% — sustainability is the question.
PRU generates stronger free cash flow (3.3B), providing more financial flexibility.
Bottom Line
PRU scores higher overall (81/100 vs 59/100) and 31.2% 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.
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.
Prudential Financial Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Prudential Financial, Inc. is an American company whose subsidiaries provide insurance, investment management, and other financial products and services to both retail and institutional customers throughout the United States and in over 40 other countries.
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