Verdict: Side-by-side breakdown using the Bull Rankings model. LNC scored 75.0, PRI scored 75.0 — tied at the top.
Compare another set
LNC
Lincoln National Corporation
Insurance - Life · Financial strength
91.2Fin
$40.63 · $7.8B
fundamentals as of
Strength gap
26.1
LNC leads
PRI
Primerica, Inc.
Insurance - Life · Financial strength
65.1Fin
$277.37 · $8.5B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestLNC3.5x
Fastest growthPRI+6.6%
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
LNC
PRI
+2.0%C
Rev
+6.6%C+
3.5xA
P/E
11.1xB+
22.6%A-
ROE
33.0%A
0.75A
P/B
3.39C
4.5%B+
Yield
1.7%C+
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
LNCLincoln National Corporation
Insurance - Life · $40.63 · beta 1.15
Why now
Insurance - Life · market cap $7.8b. 15% off the 52-week high of $47.67. 12 sell-side analysts rate this a Hold with a mean 1-yr target of $48.00 (implying +18% 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% is above 15% — 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.
PRIPrimerica, Inc.
Insurance - Life · $277.37 · beta 0.88
Why now
Insurance - Life · market cap $8.5b. 15% off the 52-week high of $327.28. 6 sell-side analysts rate this a Buy with a mean 1-yr target of $323.67 (implying +17% upside).
Moat
Net margin 23% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 33% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. 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
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Common questions
Is LNC or PRI the better stock?
On the Bull Rankings quality-growth score they are level: LNC and PRI both score 75.0 out of 100. The score blends business quality, growth and valuation into one number, so a tie means the model sees no meaningful edge either way — the pillar breakdown on this page shows where each is actually stronger.
How are LNC and PRI scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.