COMP <GO>
PRI vs LNC // EV/EBITDA & P/E VALUATION
Primerica Inc. (NYSE) VS. Lincoln National Corporation (NYSE) • 15-METRIC TALLY: PRI 9
— LNC 3
▲ EV/EBITDA & P/E VALUATION LEADER: PRI
LAST: $283.52 (+0.86%) • MKT CAP: $8.65B
valuation
22.7x
LAST: $41.63 (+1.51%) • MKT CAP: $7.85B
valuation
60.3x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PRI VS. LNC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PRI | LNC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 5.20% | 0.90% | +4.30 | PRI | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 22.7x | 60.3x | -37.60 | PRI | /valuation <GO> |
| Free Cash Flow Yield | 8.63% | -12.46% | +21.09 | PRI | /fcf-yield <GO> |
| Operating Margin | 13.90% | 7.90% | +6.00 | PRI | /operating-margins <GO> |
| Net Profit Margin | 10.90% | 6.50% | +4.40 | PRI | /net-margins <GO> |
| Revenue Growth (YoY) | 6.60% | -1.20% | +7.80 | PRI | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.11% | 4.10% | -0.99 | LNC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 3/9 | +4.00 | PRI | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 49.5 | 50.8 | -1.30 | LNC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.97 | 0.93 | +0.04 | PRI | /macro-sensitivity <GO> |
| Forward P/E Multiple | 22.7x | 6.2x | +16.50 | LNC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $8.65B | $7.85B | $800.0M | PRI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PRI REV | LNC REV | PRI GROSS % | LNC GROSS % | PRI FCF | LNC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.29B | $18.21B | — | — | $753.1M | -$986.5M |
| FY 2024 | $3.09B | $18.44B | — | — | $723.1M | -$2.84B |
| FY 2023 | $2.75B | $11.64B | — | — | $568.8M | -$2.60B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PRI // BETA 0.97
LNC // BETA 0.93