Verdict: Side-by-side breakdown using the Bull Rankings model. PRU scored 72.0, LNC scored 75.0 — LNC leads.
Compare another set
PRU
Prudential Financial, Inc.
Insurance - Life · Financial strength
73.4Fin
$113.41 · $39.1B
fundamentals as of
Strength gap
17.8
LNC leads
LNC
Lincoln National Corporation
Insurance - Life · Financial strength
91.2Fin
$40.63 · $7.8B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestLNC3.5x
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
PRU
LNC
-13.7%D
Rev
+2.0%C
10.3xA-
P/E
3.5xA
12.0%B
ROE
22.6%A-
1.24B+
P/B
0.75A
5.0%B+
Yield
4.5%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
PRUPrudential Financial, Inc.
Insurance - Life · $113.41 · beta 0.84
Why now
Insurance - Life · market cap $39.1b. 11% off the 52-week high of $127.72. Revenue -14% — in contraction; any catalyst that reverses this triggers re-rating. PEG 0.66 — paying under fair value for the growth rate. 15 sell-side analysts rate this a Hold with a mean 1-yr target of $113.00 (implying -0% 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.
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.
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 PRU the better stock?
LNC scores higher: LNC 75.0, PRU 72.0 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
How are LNC and PRU 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.