Critical Survey: Lincoln National Corporation (LNC) versus StanCorp Financial Group (SFG)
Lincoln National Corporation (NYSE: LNC) and StanCorp Financial Group (NYSE:SFG) are both mid-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, valuation, analyst recommendations, risk, institutional ownership, profitabiliy and earnings.
Valuation and Earnings
This table compares Lincoln National Corporation and StanCorp Financial Group’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Lincoln National Corporation||$13.53 billion||1.18||$1.99 billion||$6.06||11.77|
|StanCorp Financial Group||N/A||N/A||N/A||N/A||N/A|
Lincoln National Corporation has higher revenue and earnings than StanCorp Financial Group.
Institutional and Insider Ownership
79.9% of Lincoln National Corporation shares are owned by institutional investors. 1.4% of Lincoln National Corporation shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
This table compares Lincoln National Corporation and StanCorp Financial Group’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Lincoln National Corporation||10.43%||10.70%||0.62%|
|StanCorp Financial Group||5.20%||6.92%||0.67%|
This is a breakdown of current recommendations and price targets for Lincoln National Corporation and StanCorp Financial Group, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Lincoln National Corporation||0||5||4||0||2.44|
|StanCorp Financial Group||0||0||0||0||N/A|
Lincoln National Corporation presently has a consensus target price of $71.67, suggesting a potential upside of 0.46%. Given Lincoln National Corporation’s higher possible upside, analysts plainly believe Lincoln National Corporation is more favorable than StanCorp Financial Group.
Lincoln National Corporation pays an annual dividend of $1.16 per share and has a dividend yield of 1.6%. StanCorp Financial Group does not pay a dividend. Lincoln National Corporation pays out 19.1% of its earnings in the form of a dividend. Lincoln National Corporation has raised its dividend for 15 consecutive years and StanCorp Financial Group has raised its dividend for 6 consecutive years.
Lincoln National Corporation beats StanCorp Financial Group on 9 of the 12 factors compared between the two stocks.
Lincoln National Corporation Company Profile
Lincoln National Corporation is a holding company, which operates insurance and retirement businesses through subsidiary companies. The Company sells a range of wealth protection, accumulation and retirement income products and solutions, through its business segments. The Company operates through four segments: Annuities segment, which offers fixed (including indexed) and variable annuities; Retirement Plan Services segment, which provides employers with retirement plan products and services; Life Insurance segment, which focuses on the creation and protection of wealth through life insurance products, and Group Protection, which offers principally group non-medical insurance products. These products include fixed and indexed annuities, variable annuities, universal life insurance, variable universal life insurance, linked-benefit UL, term life insurance, indexed universal life insurance, employer-sponsored retirement plans and services, and group life, disability and dental.
StanCorp Financial Group Company Profile
Stancorp Financial Group, Inc. is a holding company and conducts business through its operating subsidiaries across the United States. The Company collectively views and operates its businesses as Insurance Services and Asset Management. Insurance Services consists of the Company’s Employee Benefits and Individual Disability segments offers group and individual disability insurance, group life and AD&D insurance, group and individual disability insurance, group dental and group vision insurance, and absence management services. The Company’s asset management segment offers 401(k) plans, 403(b) plans, 457 plans, defined benefit plans, money purchase pension plans, profit sharing plans and non-qualified deferred compensation products and services. Through its subsidiaries, the Company has the authority to underwrite insurance products in approximately 50 states, as well as the District of Columbia and the United States territories of Guam, Puerto Rico and the Virgin Islands.
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