Lincoln National Corporation (LNC)vsPrudential Financial, Inc. (PRU)
LNC
Lincoln National Corporation
$34.74
+2.06%
FINANCIAL SERVICES · Cap: $7.13B
PRU
Prudential Financial, Inc.
$104.62
+1.26%
FINANCIAL SERVICES · Cap: $37.68B
Smart Verdict
WallStSmart Research — data-driven comparison
Prudential Financial, Inc. generates 236% more annual revenue ($63.29B vs $18.83B). LNC leads profitability with a 9.2% profit margin vs 5.5%. LNC appears more attractively valued with a PEG of 1.01. LNC earns a higher WallStSmart Score of 63/100 (C+).
LNC
Buy63
out of 100
Grade: C+
PRU
Buy59
out of 100
Grade: C
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
15.3% revenue growth
Generating 1.0B in free cash flow
Areas to Watch
Weak financial health signals
Earnings declined 60.7%
Operating margin of -4.1%
5.5% margin — thin
Operating margin of 4.7%
Earnings declined 14.3%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : PRU
The strongest argument for PRU centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 15.3% demonstrates continued momentum. PEG of 1.18 suggests the stock is reasonably priced for its growth.
Bear Case : LNC
The primary concerns for LNC are Piotroski F-Score, EPS Growth, Operating Margin.
Bear Case : PRU
The primary concerns for PRU are Profit Margin, Operating Margin, EPS Growth.
Key Dynamics to Monitor
LNC profiles as a value stock while PRU is a growth play — different risk/reward profiles.
LNC carries more volatility with a beta of 1.17 — expect wider price swings.
PRU is growing revenue faster at 15.3% — sustainability is the question.
PRU generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
LNC scores higher overall (63/100 vs 59/100) and 12.5% revenue growth. Both earn "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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