COMPARE · Data as of August 28, 2026
LNC vs PRU
Verdict: Side-by-side breakdown using the Bull Rankings model. LNC scored 75.0, PRU scored 73.0 — LNC leads.
Compare another set
LNC
Lincoln National Corporation
89.8Fin
$43.27 · $8.3B
fundamentals as of
Strength gap
18.1
LNC leads
PRU
Prudential Financial, Inc.
71.7Fin
$120.19 · $41.5B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestLNC3.6x
- Fastest growthLNC+2.0%
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
PRU
+2.0%C
Rev
-13.7%D
3.6xA
P/E
10.9xA-
22.6%A-
ROE
12.0%B
0.80A-
P/B
1.32B+
4.2%B+
Yield
4.7%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
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.
PRUPrudential Financial, Inc.
Why now
Insurance - Life · market cap $41.5b. 6% off the 52-week high of $127.72. Revenue -14% — in contraction; any catalyst that reverses this triggers re-rating. PEG 0.88 — paying under fair value for the growth rate. 15 sell-side analysts rate this a Hold with a mean 1-yr target of $113.40 (implying -6% upside).
Moat
ROE 12% 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
Revenue contracting -14% — the operational turn is not yet visible in the top line. 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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