Lincoln National Corporation (LNC)vsMetLife Inc (MET)
LNC
Lincoln National Corporation
$35.93
+2.31%
FINANCIAL SERVICES · Cap: $6.83B
MET
MetLife Inc
$70.39
+0.72%
FINANCIAL SERVICES · Cap: $46.05B
Smart Verdict
WallStSmart Research — data-driven comparison
MetLife Inc generates 322% more annual revenue ($77.08B vs $18.27B). LNC leads profitability with a 6.4% profit margin vs 4.4%. MET appears more attractively valued with a PEG of 0.60. MET earns a higher WallStSmart Score of 63/100 (C+).
LNC
Buy59
out of 100
Grade: C
MET
Buy63
out of 100
Grade: C+
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
-146.3%
Fair Value
$32.03
Current Price
$70.39
$38.36 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 27.6% year-over-year
Generating 8.1B in free cash flow
Areas to Watch
6.4% margin — thin
Weak financial health signals
Revenue declined 3.1%
Earnings declined 60.7%
4.4% margin — thin
Operating margin of 4.7%
Earnings declined 34.2%
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 : MET
The strongest argument for MET centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 27.6% 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 : MET
The primary concerns for MET are Profit Margin, Operating Margin, EPS Growth. Thin 4.4% margins leave little buffer for downturns.
Key Dynamics to Monitor
LNC profiles as a value stock while MET is a growth play — different risk/reward profiles.
LNC carries more volatility with a beta of 1.28 — expect wider price swings.
MET is growing revenue faster at 27.6% — sustainability is the question.
MET generates stronger free cash flow (8.1B), providing more financial flexibility.
Bottom Line
MET scores higher overall (63/100 vs 59/100) and 27.6% 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.
MetLife Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
MetLife, Inc. is the holding corporation for the Metropolitan Life Insurance Company (MLIC), better known as MetLife, and its affiliates. MetLife is among the largest global providers of insurance, annuities, and employee benefit programs, with 90 million customers in over 60 countries.
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