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LNC vs PRU
Which Stock Would AI Choose? Lincoln National Corporation (LNC) vs. Prudential Financial, Inc. (PRU) Stock Comparison
Key Takeaways
- LNC has delivered stronger year-to-date gains of approximately 14%, outperforming PRU's roughly flat to negative performance amid sector headwinds.
- Both stocks offer compelling dividend yields around 5%, with PRU slightly higher at 5.53% and LNC at 4.80% (forward yields).
- LNC trades at a lower P/E ratio (price-to-earnings ratio) of 6.44 compared to PRU's 9.87, suggesting relative value in recent market activity.
- PRU's larger market capitalization of $34B dwarfs LNC's $7B, providing greater scale but exposure to international risks like its Japan operations.
- Recent momentum favors LNC, with shares up over 7% in the past month, while PRU contends with sales pauses and earnings revisions.
- LNC shows better one-year returns of 23% versus PRU's 2%, highlighting divergent stock comparisons in the insurance sector.
Introduction
Insurance giants LNC and PRU offer investors exposure to life insurance, annuities, and retirement products amid evolving market dynamics like interest rate shifts and regulatory scrutiny. This stock comparison analyzes their business models, recent performance, and relative positioning, aiding traders seeking sector opportunities and long-term investors evaluating dividend stability and growth potential. With both trading at attractive valuations, understanding their contrasts in scale, momentum, and risk factors is key for informed relative performance assessments.
LNC Overview and Recent Performance
Lincoln National Corporation (LNC) is a U.S.-focused insurer providing life insurance, annuities, group protection, and retirement plan services through brokers and financial advisors. In recent market activity, LNC shares have climbed about 7% over the past month and 14% year-to-date, trading near $37.50 with a market cap of $7.2 billion. Sentiment has been bolstered by a recent Series D preferred stock dividend declaration, a $2 billion credit facility extension, and upcoming Q1 earnings on May 7, alongside analyst price target upgrades. These developments, combined with a low P/E ratio of 6.44 and 4.80% dividend yield, have driven positive momentum despite broader sector volatility.
PRU Overview and Recent Performance
Prudential Financial, Inc. (PRU) operates a diversified portfolio spanning U.S. retirement strategies, group insurance, individual life, international businesses, and PGIM investment management, with significant Japan exposure. Shares hover around $98.60, with a $34 billion market cap, but have lagged with minimal year-to-date gains and a one-year return of about 2%. Recent weeks have seen pressure from a 180-day extension of its Japan sales pause, withdrawal of EPS guidance, and a projected $1 billion hit, tempering sentiment ahead of Q1 earnings. A 5.53% dividend yield and P/E of 9.87 provide support, yet international challenges have weighed on relative performance.
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Head-to-Head Comparison
Both LNC and PRU thrive in life insurance and annuities but differ in scale and exposure: PRU's global footprint, including PGIM's asset management and Japan operations, contrasts LNC's U.S.-centric group protection and retirement focus. Growth drivers favor LNC's recent credit enhancements versus PRU's stalled international sales. Momentum tilts to LNC with superior one-year returns (23% vs. 2%), while PRU offers stability via larger revenue ($61B TTM vs. $18B). Risk factors include PRU's higher debt-to-equity (124% vs. 65%) and Japan uncertainties; LNC faces smaller scale trade-offs. Market sentiment leans positive for LNC's value metrics amid insurance sector recovery.
Tickeron AI Verdict
Tickeron's AI currently favors LNC over PRU based on stronger trend consistency, year-to-date outperformance, lower valuation multiples, and positive catalysts like dividends and earnings anticipation. PRU's scale provides a buffer, but recent international setbacks reduce its relative positioning probabilistically in the near term for momentum-focused strategies.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is LNC is a StrongBuy and PRU is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
LNC’s FA Score shows that 1 FA rating(s) are green whilePRU’s FA Score has 1 green FA rating(s).
- LNC’s FA Score: 1 green, 4 red.
- PRU’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
LNC’s TA Score shows that 4 TA indicator(s) are bullish while PRU’s TA Score has 5 bullish TA indicator(s).
- LNC’s TA Score: 4 bullish, 5 bearish.
- PRU’s TA Score: 5 bullish, 4 bearish.
Price Growth
LNC (@Life/Health Insurance) experienced а +7.37% price change this week, while PRU (@Life/Health Insurance) price change was +3.71% for the same time period.
The average weekly price growth across all stocks in the @Life/Health Insurance industry was +3.45%. For the same industry, the average monthly price growth was +1.38%, and the average quarterly price growth was +3.35%.
Reported Earning Dates
LNC is expected to report earnings on Jul 30, 2026.
PRU is expected to report earnings on Aug 04, 2026.
Industries' Descriptions
@Life/Health Insurance (+3.45% weekly)Life insurance companies mainly sell policies that pay a death benefit as a lump sum upon the death of the insured to their beneficiaries. Life insurance policies may be sold as term life, (which guarantees payment of a stated death benefit and expires at the end of a specified term) or permanent /typically whole life (which is more expensive but lasts a lifetime and carries a cash accumulation component). Life insurance firms may also sell long-term disability policies that help to replace the insured individual’s income if they become sick or disabled. Health insurance, on the other hand, helps pay for medical expenses. Anthem, Inc., MetLife, Inc. and Aflac Incorporated are some of the largest U.S. companies in this industry.
| LNC | PRU | LNC / PRU | |
| Capitalization | 7.13B | 37.7B | 19% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -14.260 | -1.249 | 1,142% |
| P/E Ratio | 4.08 | 11.17 | 37% |
| Revenue | 18.9B | 63B | 30% |
| Total Cash | 34.8B | 83.5B | 42% |
| Total Debt | 6.37B | 23.1B | 28% |
LNC | PRU | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 35 | 74 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 7 Undervalued | 10 Undervalued | |
PROFIT vs RISK RATING 1..100 | 100 | 58 | |
SMR RATING 1..100 | 77 | 99 | |
PRICE GROWTH RATING 1..100 | 48 | 48 | |
P/E GROWTH RATING 1..100 | 66 | 83 | |
SEASONALITY SCORE 1..100 | 50 | 2 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
LNC's Valuation (7) in the Life Or Health Insurance industry is in the same range as PRU (10) in the Financial Conglomerates industry. This means that LNC’s stock grew similarly to PRU’s over the last 12 months.
PRU's Profit vs Risk Rating (58) in the Financial Conglomerates industry is somewhat better than the same rating for LNC (100) in the Life Or Health Insurance industry. This means that PRU’s stock grew somewhat faster than LNC’s over the last 12 months.
LNC's SMR Rating (77) in the Life Or Health Insurance industry is in the same range as PRU (99) in the Financial Conglomerates industry. This means that LNC’s stock grew similarly to PRU’s over the last 12 months.
LNC's Price Growth Rating (48) in the Life Or Health Insurance industry is in the same range as PRU (48) in the Financial Conglomerates industry. This means that LNC’s stock grew similarly to PRU’s over the last 12 months.
LNC's P/E Growth Rating (66) in the Life Or Health Insurance industry is in the same range as PRU (83) in the Financial Conglomerates industry. This means that LNC’s stock grew similarly to PRU’s over the last 12 months.
| LNC | PRU | |
|---|---|---|
| RSI ODDS (%) | N/A | 3 days ago 75% |
| Stochastic ODDS (%) | 3 days ago 75% | 3 days ago 58% |
| Momentum ODDS (%) | 3 days ago 73% | 3 days ago 63% |
| MACD ODDS (%) | 3 days ago 73% | 3 days ago 68% |
| TrendWeek ODDS (%) | 3 days ago 70% | 3 days ago 61% |
| TrendMonth ODDS (%) | 3 days ago 67% | 3 days ago 54% |
| Advances ODDS (%) | 3 days ago 72% | 3 days ago 59% |
| Declines ODDS (%) | 18 days ago 71% | 6 days ago 56% |
| BollingerBands ODDS (%) | 3 days ago 68% | 3 days ago 68% |
| Aroon ODDS (%) | 3 days ago 66% | 3 days ago 44% |
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LNC and
Correlation & Price change
A.I.dvisor indicates that over the last year, LNC has been closely correlated with MET. These tickers have moved in lockstep 71% of the time. This A.I.-generated data suggests there is a high statistical probability that if LNC jumps, then MET could also see price increases.
PRU and
Correlation & Price change
A.I.dvisor indicates that over the last year, PRU has been closely correlated with MFC. These tickers have moved in lockstep 72% of the time. This A.I.-generated data suggests there is a high statistical probability that if PRU jumps, then MFC could also see price increases.