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LNC vs MA

LNC
Lincoln National Corporation
BEARISH
Price
$36.98
Market Cap
$7.07B
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
LNC
6.34
MA
30.28
Forward P/E
LNC
4.38
MA
22.05
P/B Ratio
LNC
0.71
MA
57.74
P/S Ratio
LNC
0.39
MA
13.6
EV/EBITDA
LNC
-24.79
MA
22.13

Profitability

Gross Margin
LNC
24.22%
MA
100.0%
Operating Margin
LNC
12.87%
MA
57.73%
Profit Margin
LNC
6.44%
MA
45.65%
ROE
LNC
12.28%
MA
209.91%
ROA
LNC
0.16%
MA
23.72%

Growth

Revenue Growth
LNC
-3.1%
MA
17.6%
Earnings Growth
LNC
-60.7%
MA
24.2%

Financial Health

Debt/Equity
LNC
0.65
MA
2.56
Current Ratio
LNC
2.23
MA
1.03
Quick Ratio
LNC
1.15
MA
0.68

Dividends

Dividend Yield
LNC
4.87%
MA
0.7%
Payout Ratio
LNC
30.87%
MA
18.4%

AI Verdict

LNC BEARISH

LNC presents as a classic value trap, characterized by a critically weak Piotroski F-Score of 2/9, indicating severe deterioration in fundamental financial health. While the stock trades at a significant discount to its Graham Number ($82.75) and slightly below its intrinsic value ($40.81), this valuation is offset by negative YoY revenue and earnings growth. Bearish insider activity and a 0/100 technical trend further signal a lack of confidence in a near-term recovery. Despite a sustainable dividend payout ratio, the underlying operational decay makes the current price a risky entry point.

Strengths
Deep value valuation with a P/E of 6.34 and P/B of 0.71
Trading below both Graham Number and Intrinsic Value estimates
Sustainable dividend payout ratio at 30.87%
Risks
Critically low Piotroski F-Score (2/9) signaling poor financial health
Severe YoY earnings contraction of -60.70%
Negative revenue growth (-3.10% YoY)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

LNC vs MA: Head-to-Head Comparison

This page compares Lincoln National Corporation (LNC) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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