Lincoln National Corporation (LNC)vsManulife Financial Corp (MFC)
LNC
Lincoln National Corporation
$35.93
+2.31%
FINANCIAL SERVICES · Cap: $6.83B
MFC
Manulife Financial Corp
$34.60
+0.48%
FINANCIAL SERVICES · Cap: $56.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Manulife Financial Corp generates 70% more annual revenue ($30.98B vs $18.27B). MFC leads profitability with a 18.7% profit margin vs 6.4%. MFC appears more attractively valued with a PEG of 0.78. MFC earns a higher WallStSmart Score of 66/100 (B-).
LNC
Buy59
out of 100
Grade: C
MFC
Strong Buy66
out of 100
Grade: B-
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
-149.9%
Fair Value
$15.16
Current Price
$34.59
$19.43 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 133.5%
Large-cap with strong market position
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
6.4% margin — thin
Weak financial health signals
Revenue declined 3.1%
Earnings declined 60.7%
Revenue declined 34.9%
Earnings declined 6.1%
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 : MFC
The strongest argument for MFC centers on Operating Margin, Market Cap, Debt/Equity. Profitability is solid with margins at 18.7% and operating margin at 133.5%. PEG of 0.78 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 : MFC
The primary concerns for MFC are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
LNC profiles as a value stock while MFC is a declining play — different risk/reward profiles.
LNC carries more volatility with a beta of 1.28 — expect wider price swings.
LNC is growing revenue faster at -3.1% — sustainability is the question.
MFC generates stronger free cash flow (8.6B), providing more financial flexibility.
Bottom Line
MFC scores higher overall (66/100 vs 59/100), backed by strong 18.7% margins. 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.
Manulife Financial Corp
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Manulife Financial Corporation, offers financial products and services in Asia, Canada, the United States and internationally. The company is headquartered in Toronto, Canada.
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