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Globe Life Inc. (GL) vs Lincoln National Corporation (LNC)

Globe Life Inc. and Lincoln National Corporation are both Insurance Life companies. Globe Life Inc. is the larger, with a market value of $12.2B against $7.5B — 1.6× the size. Lincoln National Corporation trades at the lower P/E: 2.4× against 10.4×. Lincoln National Corporation grew revenue faster over the last twelve months: 10.4% against 5.62%. Globe Life Inc. has the higher net margin (18.9% vs 15.7%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; Lincoln National Corporation yields more (4.56% vs 0.79%). Across the 19 metrics below, Lincoln National Corporation leads on 11 and Globe Life Inc. on 8.

Valuation

Metric GL LNC Insurance Life median
P/E 10.44 2.38 11.34
P/S 1.94 0.38 0.81
P/B 1.98 0.73 1.08
Price to free cash flow 9.89 11.05 7.43
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.58% 41.96% 8.82%
Free cash flow yield 10.12% 9.05% 13.20%

Profitability

Metric GL LNC Insurance Life median
Gross margin 40.64% 0.00% 30.01%
Operating margin 25.54% 0.00% 8.83%
Net margin 18.89% 15.74% 9.93%
Free cash flow margin 0.00% 3.40% 15.40%
Return on equity 0.00% 0.00% 8.47%
Return on assets 0.00% 0.76% 0.50%
Return on invested capital 0.00% 0.00% 7.11%

Growth

Metric GL LNC Insurance Life median
Revenue growth (TTM) 5.62% 10.35% 4.80%
EPS growth (last fiscal year) 17.84% (68.33%) (3.45%)
Revenue growth, 5-year CAGR 4.82% 0.87% 1.33%
Net income growth, 5-year CAGR 9.68% 16.83% 0.00%

Health

Metric GL LNC Insurance Life median
Debt to equity 0.48 0.00 0.48
Current ratio 0.05 0.00 0.21
Net debt to EBITDA 1.23 (2.07) 0.12

Dividend

Metric GL LNC Insurance Life median
Dividend yield 0.79% 4.56% 2.28%
Payout ratio 0.08 0.11 0.28

Size

Metric GL LNC Insurance Life median
Market cap 12.24b 7.50b 7.96b

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