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LNC vs MORN

LNC
Lincoln National Corporation
BEARISH
Price
$36.98
Market Cap
$7.07B
Sector
Financial Services
AI Confidence
85%
MORN
Morningstar, Inc.
BEARISH
Price
$183.73
Market Cap
$7.08B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
LNC
6.34
MORN
20.04
Forward P/E
LNC
4.38
MORN
14.17
P/B Ratio
LNC
0.71
MORN
5.98
P/S Ratio
LNC
0.39
MORN
2.89
EV/EBITDA
LNC
-24.79
MORN
13.49

Profitability

Gross Margin
LNC
24.22%
MORN
61.03%
Operating Margin
LNC
12.87%
MORN
21.71%
Profit Margin
LNC
6.44%
MORN
15.3%
ROE
LNC
12.28%
MORN
26.35%
ROA
LNC
0.16%
MORN
8.86%

Growth

Revenue Growth
LNC
-3.1%
MORN
8.5%
Earnings Growth
LNC
-60.7%
MORN
4.5%

Financial Health

Debt/Equity
LNC
0.65
MORN
1.03
Current Ratio
LNC
2.23
MORN
0.98
Quick Ratio
LNC
1.15
MORN
0.89

Dividends

Dividend Yield
LNC
4.87%
MORN
1.09%
Payout Ratio
LNC
30.87%
MORN
21.03%

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)
MORN BEARISH

MORN exhibits a mediocre Piotroski F-Score of 4/9, indicating stable but non-improving financial health. The stock is trading at a significant premium to both its Graham Number ($79.65) and its growth-based Intrinsic Value ($126.09), suggesting severe overvaluation. This fundamental weakness is compounded by a 0/100 technical trend and aggressive insider selling totaling over $25M. While profitability remains strong with a 26.35% ROE, the lack of price momentum and valuation gap outweigh the operational strengths.

Strengths
Strong profitability with ROE at 26.35% and Gross Margins at 61.03%
Consistent earnings track record with 3 of the last 4 quarters beating estimates
Very sustainable dividend payout ratio of 21.03%
Risks
Significant overvaluation relative to Graham Number ($79.65) and Intrinsic Value ($126.09)
Bearish insider sentiment with 14 sell transactions and zero buys in 6 months
Liquidity risk indicated by a Current Ratio of 0.98 and Quick Ratio of 0.89

Compare Another Pair

LNC vs MORN: Head-to-Head Comparison

This page compares Lincoln National Corporation (LNC) and Morningstar, Inc. (MORN) 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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