Lincoln National Corporation (LNC)vsUnum Group (UNM)
LNC
Lincoln National Corporation
$43.84
+0.64%
FINANCIAL SERVICES · Cap: $8.29B
UNM
Unum Group
$94.42
+0.12%
FINANCIAL SERVICES · Cap: $14.73B
Smart Verdict
WallStSmart Research — data-driven comparison
Lincoln National Corporation generates 45% more annual revenue ($19.39B vs $13.35B). LNC leads profitability with a 12.2% profit margin vs 5.3%. LNC appears more attractively valued with a PEG of 1.01. LNC earns a higher WallStSmart Score of 78/100 (B+).
LNC
Strong Buy78
out of 100
Grade: B+
UNM
Buy55
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
Earnings expanding 76.8% YoY
Reasonable price relative to book value
Areas to Watch
Operating margin of 4.6%
Weak financial health signals
Negative free cash flow — burning cash
0.3% revenue growth
ROE of 6.5% — below average capital efficiency
5.3% 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, EPS Growth. Revenue growth of 12.6% 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. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : LNC
The primary concerns for LNC are Operating Margin, Piotroski F-Score, Free Cash Flow.
Bear Case : UNM
The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
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.
UNM generates stronger free cash flow (474M), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
LNC scores higher overall (78/100 vs 55/100) and 12.6% revenue growth. 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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