Lincoln National Corporation (LNC)vsUnum Group (UNM)
LNC
Lincoln National Corporation
$34.74
+2.06%
FINANCIAL SERVICES · Cap: $7.13B
UNM
Unum Group
$86.84
+2.27%
FINANCIAL SERVICES · Cap: $14.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Lincoln National Corporation generates 41% more annual revenue ($18.83B vs $13.34B). LNC leads profitability with a 9.2% profit margin vs 5.9%. LNC appears more attractively valued with a PEG of 1.01. UNM earns a higher WallStSmart Score of 67/100 (B-).
LNC
Buy63
out of 100
Grade: C+
UNM
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Reasonable price relative to book value
Earnings expanding 33.0% YoY
Areas to Watch
Weak financial health signals
Earnings declined 60.7%
Operating margin of -4.1%
ROE of 7.2% — below average capital efficiency
5.9% margin — thin
Weak financial health signals
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 : UNM
The strongest argument for UNM centers on Price/Book, EPS Growth. PEG of 1.03 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 : UNM
The primary concerns for UNM are Return on Equity, Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
LNC carries more volatility with a beta of 1.17 — expect wider price swings.
LNC is growing revenue faster at 12.5% — sustainability is the question.
UNM generates stronger free cash flow (301M), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNM scores higher overall (67/100 vs 63/100). Both earn "Strong 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.
Unum Group
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.
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