FGN vs LNC vs PRU vs GL

For growth investors, F&G Annuities & Life, Inc.

(FGN) is the stronger pick with 26. 6% revenue growth year-over-year, versus -14. 0% for Prudential Financial, Inc. (PRU). F&G Annuities & Life, Inc. (FGN) offers the better valuation at 5. 3x trailing P/E (4. 5x forward), making it the more compelling value choice. Analysts rate Lincoln National Corporation (LNC) a "Hold" — based on 28 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, F&G Annuities & Life, Inc.

(FGN) is the cheapest at 5. 3x versus Globe Life Inc. at 10. 8x. On forward P/E, F&G Annuities & Life, Inc. is actually cheaper at 4. 5x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Lincoln National Corporation wins at 0. 14x versus Globe Life Inc. 's 0. 63x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Globe Life Inc.

(GL) delivered a total return of +48. 3%, compared to -35. 2% for Lincoln National Corporation (LNC). Over 10 years, the gap is even starker: GL returned +175. 7% versus FGN's +15. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Globe Life Inc.

(GL) is the lower-risk stock at 0. 48β versus Lincoln National Corporation's 1. 34β — meaning LNC is approximately 178% more volatile than GL relative to the S&P 500. On balance sheet safety, Globe Life Inc. (GL) carries a lower debt/equity ratio of 44% versus 65% for Prudential Financial, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), F&G Annuities & Life, Inc.

(FGN) is pulling ahead at 26. 6% versus -14. 0% for Prudential Financial, Inc. (PRU). On earnings-per-share growth, the picture is similar: F&G Annuities & Life, Inc. grew EPS 1111% year-over-year, compared to -68. 3% for Lincoln National Corporation. Over a 3-year CAGR, FGN leads at 13. 1% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Globe Life Inc.

(GL) is the more profitable company, earning 19. 4% net margin versus 5. 9% for Prudential Financial, Inc. — meaning it keeps 19. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GL leads at 24. 4% versus 7. 3% for LNC. At the gross margin level — before operating expenses — FGN leads at 100. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Lincoln National Corporation (LNC) is the more undervalued stock at a PEG of 0. 14x versus Globe Life Inc. 's 0. 63x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, F&G Annuities & Life, Inc. (FGN) trades at 4. 5x forward P/E versus 9. 8x for Globe Life Inc. — 5. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for LNC: 21. 0% to $43. 50.

All stocks in this comparison pay dividends.

Prudential Financial, Inc. (PRU) offers the highest yield at 5. 5%, versus 0. 7% for Globe Life Inc. (GL).

For long-horizon retirement investors, Globe Life Inc.

(GL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 48), 0. 7% yield, +175. 7% 10Y return). Both have compounded well over 10 years (GL: +175. 7%, LNC: +24. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: FGN is a small-cap high-growth stock; LNC is a small-cap deep-value stock; PRU is a mid-cap deep-value stock; GL is a mid-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.