LNC vs PRU

For growth investors, Lincoln National Corporation (LNC) is the stronger pick with 53.

6% revenue growth year-over-year, versus -14. 0% for Prudential Financial, Inc. (PRU). Lincoln National Corporation (LNC) offers the better valuation at 2. 0x trailing P/E (4. 9x 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, Lincoln National Corporation (LNC) is the cheapest at 2.

0x versus Prudential Financial, Inc. at 9. 8x. On forward P/E, Lincoln National Corporation is actually cheaper at 4. 9x.

Over the past 5 years, Prudential Financial, Inc.

(PRU) delivered a total return of +18. 7%, compared to -32. 1% for Lincoln National Corporation (LNC). Over 10 years, the gap is even starker: PRU returned +88. 9% versus LNC's +29. 1%. 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), Prudential Financial, Inc.

(PRU) is the lower-risk stock at 0. 97β versus Lincoln National Corporation's 1. 34β — meaning LNC is approximately 37% more volatile than PRU relative to the S&P 500. On balance sheet safety, Prudential Financial, Inc. (PRU) carries a lower debt/equity ratio of 65% versus 77% for Lincoln National Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Lincoln National Corporation (LNC) is pulling ahead at 53.

6% versus -14. 0% for Prudential Financial, Inc. (PRU). On earnings-per-share growth, the picture is similar: Lincoln National Corporation grew EPS 474. 2% year-over-year, compared to 36. 3% for Prudential Financial, Inc.. Over a 3-year CAGR, PRU leads at 2. 2% 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.

Lincoln National Corporation (LNC) is the more profitable company, earning 18.

2% net margin versus 5. 9% for Prudential Financial, Inc. — meaning it keeps 18. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: LNC leads at 22. 4% versus 7. 9% for PRU. At the gross margin level — before operating expenses — PRU leads at 42. 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.

On forward earnings alone, Lincoln National Corporation (LNC) trades at 4.

9x forward P/E versus 7. 4x for Prudential Financial, Inc. — 2. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for LNC: 15. 6% to $43. 50.

All stocks in this comparison pay dividends.

Prudential Financial, Inc. (PRU) offers the highest yield at 5. 5%, versus 4. 7% for Lincoln National Corporation (LNC).

For long-horizon retirement investors, Prudential Financial, Inc.

(PRU) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 97), 5. 5% yield). Both have compounded well over 10 years (PRU: +88. 9%, LNC: +29. 1%), 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: LNC is a small-cap high-growth stock; PRU 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.