PRH
Prudential Financial, Inc. 5.95
Insurance - Life
Market Cap$8.27B
5Y Perf.-4.9%
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Stock Comparison
PRH vs LNC
Revenue, margins, valuation, and 5-year total return — side by side.
LNC
Lincoln National Corporation
Insurance - Life
Market Cap$6.87B
5Y Perf.-22.0%
PRH vs LNC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PRH | LNC |
|---|---|---|
| Industry | Insurance - Life | Insurance - Life |
| Market Cap | $8.27B | $6.87B |
| Revenue (TTM) | $62.83B | $18.88B |
| Net Income (TTM) | $3.47B | $1.73B |
| Gross Margin | 45.2% | 17.0% |
| Operating Margin | 21.7% | 12.1% |
| Forward P/E | 1.7x | 4.7x |
| Total Debt | $20.30B | $6.43B |
| Cash & Equiv. | $19.71B | $9.50B |
PRH vs LNC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PRH
LNC
| Stock | Aug 22 | May 26 | Return |
|---|---|---|---|
| Prudential Financia… (PRH) | 100 | 95.1 | -4.9% |
| Lincoln National Co… (LNC) | 100 | 78.0 | -22.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PRH vs LNC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PRH leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Lincoln National Corporation is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
PRH
Prudential Financial, Inc. 5.95
The Insurance Pick
PRH carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 13 yrs, beta 0.78, yield 22.9%
- Rev growth -13.7%, EPS growth 32.7%, 3Y rev CAGR 3.6%
- Lower volatility, beta 0.78, Low D/E 57.1%, current ratio 11.47x
Best for: income & stability and growth exposure
LNC
Lincoln National Corporation
The Insurance Pick
LNC is the clearest fit if your priority is long-term compounding.
- 24.5% 10Y total return vs PRH's 15.0%
- 1.2% revenue growth vs PRH's -13.7%
- +11.0% vs PRH's +2.3%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | LNC | 1.2% revenue growth vs PRH's -13.7% |
| Value | PRH | Lower P/E (1.7x vs 4.7x) |
| Quality / Margins | PRH | Combined ratio 0.9 vs LNC's 0.9 (lower = better underwriting) |
| Stability / Safety | PRH | Beta 0.78 vs LNC's 1.34, lower leverage |
| Dividends | PRH | 22.9% yield, 13-year raise streak, vs LNC's 4.9% |
| Momentum (1Y) | LNC | +11.0% vs PRH's +2.3% |
| Efficiency (ROA) | PRH | 0.6% ROA vs LNC's 0.4%, ROIC 9.4% vs 12.0% |
PRH vs LNC — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2024
PRH vs LNC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPRHLAGGINGLNC
LNCLincoln National Corp…
2leads
PRHPrudential Financial,…
4leads
6 Total Categories
CATEGORYLEADERvs LNCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PRH4/6
Valuation MetricsMultiples, price ratios, and targets
PRH5/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
LNC5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
LNC4/6
Risk & VolatilityBeta, volatility, and downside exposure
PRH2/2
Analyst OutlookRatings, price targets, and dividends
PRH2/2
Income & Cash Flow (Last 12 Months)
PRH leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
PRH is the larger business by revenue, generating $62.8B annually — 3.3x LNC's $18.9B. Profitability is closely matched — net margins range from 9.1% (LNC) to 5.5% (PRH).
| Metric | PRHPrudential Financ… | LNCLincoln National … |
|---|---|---|
| RevenueTrailing 12 months | $62.8B | $18.9B |
| EBITDAEarnings before interest/tax | $13.4B | $2.4B |
| Net IncomeAfter-tax profit | $3.5B | $1.7B |
| Free Cash FlowCash after capex | $9.8B | $243M |
| Gross MarginGross profit ÷ Revenue | +45.2% | +17.0% |
| Operating MarginEBIT ÷ Revenue | +21.7% | +12.1% |
| Net MarginNet income ÷ Revenue | +5.5% | +9.1% |
| FCF MarginFCF ÷ Revenue | +15.6% | +1.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | +15.3% | +12.5% |
| EPS Growth (YoY)Latest quarter vs prior year | -12.8% | +100.0% |
PRH leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
PRH leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
At 2.4x trailing earnings, PRH trades at a 61% valuation discount to LNC's 6.2x P/E. On an enterprise value basis, PRH's 1.8x EV/EBITDA is more attractive than LNC's 2.4x.
| Metric | PRHPrudential Financ… | LNCLincoln National … |
|---|---|---|
| Market CapShares × price | $8.3B | $6.9B |
| Enterprise ValueMkt cap + debt − cash | $8.9B | $3.8B |
| Trailing P/EPrice ÷ TTM EPS | 2.38x | 6.15x |
| Forward P/EPrice ÷ next-FY EPS est. | 1.65x | 4.67x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.34x |
| EV / EBITDAEnterprise value multiple | 1.80x | 2.43x |
| Price / SalesMarket cap ÷ Revenue | 0.14x | 0.38x |
| Price / BookPrice ÷ Book value/share | 0.24x | 0.61x |
| Price / FCFMarket cap ÷ FCF | 1.32x | — |
PRH leads this category, winning 5 of 5 comparable metrics.
Profitability & Efficiency
LNC leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
LNC delivers a 16.8% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $10 for PRH. PRH carries lower financial leverage with a 0.57x debt-to-equity ratio, signaling a more conservative balance sheet compared to LNC's 0.59x. On the Piotroski fundamental quality scale (0–9), PRH scores 7/9 vs LNC's 3/9, reflecting strong financial health.
| Metric | PRHPrudential Financ… | LNCLincoln National … |
|---|---|---|
| ROE (TTM)Return on equity | +10.2% | +16.8% |
| ROA (TTM)Return on assets | +0.6% | +0.4% |
| ROICReturn on invested capital | +9.4% | +12.0% |
| ROCEReturn on capital employed | +0.6% | +0.4% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 3 |
| Debt / EquityFinancial leverage | 0.57x | 0.59x |
| Net DebtTotal debt minus cash | $587M | -$3.1B |
| Cash & Equiv.Liquid assets | $19.7B | $9.5B |
| Total DebtShort + long-term debt | $20.3B | $6.4B |
| Interest CoverageEBIT ÷ Interest expense | 5.76x | 15.29x |
LNC leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
LNC leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PRH five years ago would be worth $11,503 today (with dividends reinvested), compared to $6,476 for LNC. Over the past 12 months, LNC leads with a +11.0% total return vs PRH's +2.3%. The 3-year compound annual growth rate (CAGR) favors LNC at 24.9% vs PRH's 3.7% — a key indicator of consistent wealth creation.
| Metric | PRHPrudential Financ… | LNCLincoln National … |
|---|---|---|
| YTD ReturnYear-to-date | -3.4% | -18.2% |
| 1-Year ReturnPast 12 months | +2.3% | +11.0% |
| 3-Year ReturnCumulative with dividends | +11.6% | +95.0% |
| 5-Year ReturnCumulative with dividends | +15.0% | -35.2% |
| 10-Year ReturnCumulative with dividends | +15.0% | +24.5% |
| CAGR (3Y)Annualised 3-year return | +3.7% | +24.9% |
LNC leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
PRH leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PRH is the less volatile stock with a 0.78 beta — it tends to amplify market swings less than LNC's 1.34 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PRH currently trades 90.9% from its 52-week high vs LNC's 76.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PRHPrudential Financ… | LNCLincoln National … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.78x | 1.34x |
| 52-Week HighHighest price in past year | $26.15 | $46.82 |
| 52-Week LowLowest price in past year | $5.97 | $31.61 |
| % of 52W HighCurrent price vs 52-week peak | +90.9% | +76.8% |
| RSI (14)Momentum oscillator 0–100 | 61.5 | 58.2 |
| Avg Volume (50D)Average daily shares traded | 26K | 2.1M |
PRH leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
PRH leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, PRH offers the higher dividend yield at 22.91% vs LNC's 4.86%.
| Metric | PRHPrudential Financ… | LNCLincoln National … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $43.50 |
| # AnalystsCovering analysts | — | 28 |
| Dividend YieldAnnual dividend ÷ price | +22.9% | +4.9% |
| Dividend StreakConsecutive years of raises | 13 | 0 |
| Dividend / ShareAnnual DPS | $5.45 | $1.75 |
| Buyback YieldShare repurchases ÷ mkt cap | +12.1% | 0.0% |
PRH leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
PRH leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). LNC leads in 2 (Profitability & Efficiency, Total Returns).
Best OverallPrudential Financial, Inc. … (PRH)Leads 4 of 6 categories
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PRH vs LNC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PRH or LNC a better buy right now?
For growth investors, Lincoln National Corporation (LNC) is the stronger pick with 1.
2% revenue growth year-over-year, versus -13. 7% for Prudential Financial, Inc. 5. 95 (PRH). Prudential Financial, Inc. 5. 95 (PRH) offers the better valuation at 2. 4x trailing P/E (1. 7x 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.
02Which has the better valuation — PRH or LNC?
On trailing P/E, Prudential Financial, Inc.
5. 95 (PRH) is the cheapest at 2. 4x versus Lincoln National Corporation at 6. 2x. On forward P/E, Prudential Financial, Inc. 5. 95 is actually cheaper at 1. 7x.
03Which is the better long-term investment — PRH or LNC?
Over the past 5 years, Prudential Financial, Inc.
5. 95 (PRH) delivered a total return of +15. 0%, compared to -35. 2% for Lincoln National Corporation (LNC). Over 10 years, the gap is even starker: LNC returned +24. 5% versus PRH'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.
04Which is safer — PRH or LNC?
By beta (market sensitivity over 5 years), Prudential Financial, Inc.
5. 95 (PRH) is the lower-risk stock at 0. 78β versus Lincoln National Corporation's 1. 34β — meaning LNC is approximately 72% more volatile than PRH relative to the S&P 500. On balance sheet safety, Prudential Financial, Inc. 5. 95 (PRH) carries a lower debt/equity ratio of 57% versus 59% for Lincoln National Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — PRH or LNC?
By revenue growth (latest reported year), Lincoln National Corporation (LNC) is pulling ahead at 1.
2% versus -13. 7% for Prudential Financial, Inc. 5. 95 (PRH). On earnings-per-share growth, the picture is similar: Prudential Financial, Inc. 5. 95 grew EPS 32. 7% year-over-year, compared to -68. 3% for Lincoln National Corporation. Over a 3-year CAGR, PRH leads at 3. 6% 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.
06Which has better profit margins — PRH or LNC?
Lincoln National Corporation (LNC) is the more profitable company, earning 6.
5% net margin versus 5. 9% for Prudential Financial, Inc. 5. 95 — meaning it keeps 6. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PRH leads at 7. 9% versus 7. 3% for LNC. At the gross margin level — before operating expenses — LNC leads at 57. 3%, 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.
07Is PRH or LNC more undervalued right now?
On forward earnings alone, Prudential Financial, Inc.
5. 95 (PRH) trades at 1. 7x forward P/E versus 4. 7x for Lincoln National Corporation — 3. 0x cheaper on a one-year earnings basis.
08Which pays a better dividend — PRH or LNC?
All stocks in this comparison pay dividends.
Prudential Financial, Inc. 5. 95 (PRH) offers the highest yield at 22. 9%, versus 4. 9% for Lincoln National Corporation (LNC).
09Is PRH or LNC better for a retirement portfolio?
For long-horizon retirement investors, Prudential Financial, Inc.
5. 95 (PRH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 78), 22. 9% yield). Both have compounded well over 10 years (PRH: +15. 0%, 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.
10What are the main differences between PRH and LNC?
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.
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.
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Revenue Growth>
%
(PRH: 15.3% · LNC: 12.5%)Net Margin>
%
(PRH: 5.5% · LNC: 9.1%)P/E Ratio<
x
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