LNC vs. TRV: Lincoln National vs. Travelers Stock Comparison

Performance

Cumulative Growth

Trailing Returns

Performance at a Glance

Risk

Drawdown

Risk at a Glance

Company Profile

Lincoln National (LNC) and Travelers (TRV) both belong to the Insurance industry, though LNC is classified under Life & Health Insurance while TRV falls under Property & Casualty Insurance.

Valuation

Lincoln National (LNC) at 4.08 sits in the cheaper P/E ratio quartile, while Travelers (TRV) at 9.08 is closer to its industry’s usual earnings multiple — a discount for LNC, though growth and earnings durability still matter.

Lincoln National (LNC) at 0.38 sits in the cheaper P/S ratio quartile while Travelers (TRV) at 1.32 prices around its industry’s middle — LNC costs less per dollar of sales, though read it alongside growth and margins.

Lincoln National (LNC) at 0.77 sits in the lower P/B ratio quartile against book while Travelers (TRV) at 2.02 is valued near its industry’s middle — LNC is cheaper on assets, though weigh it against ROE and asset quality.

Valuation at a Glance

Profitability

Travelers (TRV) at 25.27% sits in the top ROE quartile, while Lincoln National (LNC) at 18.77% is closer to the peer norm — stronger capital efficiency for TRV.

Both Lincoln National (LNC) at 9.17% and Travelers (TRV) at 15.54% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for Lincoln National (LNC) in Insurance and Travelers (TRV) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability at a Glance

Growth

Revenue Growth

Revenue Growth at a Glance

EPS Growth

EPS Growth at a Glance

Financial Strength

current ratio doesn’t apply on either side: Lincoln National (LNC) in Insurance and Travelers (TRV) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Lincoln National (LNC) in Insurance and Travelers (TRV) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength at a Glance

Dividends

Lincoln National (LNC) at 4.83% delivers top-quartile income for its industry, while Travelers (TRV) at 1.64% pays a more typical yield — both are credible income propositions, LNC the richer one.

Both Lincoln National (LNC) at 19.69% and Travelers (TRV) at 13.13% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividends at a Glance