Lincoln National Corporation (LNC)vsPrudential PLC ADR (PUK)
LNC
Lincoln National Corporation
$43.84
+0.64%
FINANCIAL SERVICES · Cap: $8.29B
PUK
Prudential PLC ADR
$26.68
-0.34%
FINANCIAL SERVICES · Cap: $34.39B
Smart Verdict
WallStSmart Research — data-driven comparison
Lincoln National Corporation generates 36% more annual revenue ($19.39B vs $14.31B). PUK leads profitability with a 25.5% profit margin vs 12.2%. 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+
PUK
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
Attractively priced relative to earnings
Every $100 of equity generates 38 in profit
Keeps 26 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Strong operational efficiency at 28.1%
Areas to Watch
Operating margin of 4.6%
Weak financial health signals
Negative free cash flow — burning cash
Expensive relative to growth rate
Revenue declined 1.8%
Earnings declined 23.0%
Negative free cash flow — burning cash
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 : PUK
The strongest argument for PUK centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 25.5% and operating margin at 28.1%.
Bear Case : LNC
The primary concerns for LNC are Operating Margin, Piotroski F-Score, Free Cash Flow.
Bear Case : PUK
The primary concerns for PUK are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
LNC profiles as a value stock while PUK is a declining play — different risk/reward profiles.
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.
PUK generates stronger free cash flow (-78M), providing more financial flexibility.
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.
Prudential PLC ADR
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Prudential plc offers life and health insurance, retirement and asset management solutions to people in Asia, the United States and Africa. The company is headquartered in London, the United Kingdom.
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