COMPARE · Data as of August 28, 2026
BHF vs LNC
Verdict: Side-by-side breakdown using the Bull Rankings model. BHF scored 84.0, LNC scored 75.0 — BHF leads.
Compare another set
BHF
Brighthouse Financial, Inc.
68.6Fin
$53.04 · $3.1B
fundamentals as of
Strength gap
21.2
LNC leads
LNC
Lincoln National Corporation
89.8Fin
$43.27 · $8.3B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestLNC3.6x
- Fastest growthBHF+46.3%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
BHF
LNC
+46.3%A
Rev
+2.0%C
4.2xA
P/E
3.6xA
13.5%B
ROE
22.6%A-
0.48A
P/B
0.80A-
0.0%C
Yield
4.2%B+
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
BHFBrighthouse Financial, Inc.
Why now
Insurance - Life · market cap $3.1b. Down 21% from 52-week high of $66.80 — deep drawdown territory. Revenue growing +46% — in hypergrowth territory. PEG 0.46 — paying under fair value for the growth rate. 6 sell-side analysts rate this a Hold with a mean 1-yr target of $65.00 (implying +23% upside).
Moat
Net margin 12% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 14% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
LNCLincoln National Corporation
Why now
Insurance - Life · market cap $8.3b. 9% off the 52-week high of $47.67. 12 sell-side analysts rate this a Hold with a mean 1-yr target of $47.92 (implying +11% upside).
Moat
Net margin 12% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 23% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
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