As Life Insurance companies, Lincoln National Corporation (NYSE:LNC) and ING Groep N.V. (NYSE:ING) are our subject to contrast. And more specifically their profitability, analyst recommendations, risk, dividends, institutional ownership, earnings and valuation.
Earnings & Valuation
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Lincoln National Corporation||15.56B||0.81||2.06B||3.45||16.06|
|ING Groep N.V.||N/A||0.00||N/A||1.53||7.32|
We can see in table 1 the earnings per share, top-line revenue and valuation of Lincoln National Corporation and ING Groep N.V.. Currently more expensive of the two stocks is the company with a higher price-to-earnings ratio. Lincoln National Corporation is trading at a higher price-to-earnings ratio than ING Groep N.V., indicating that it is currently more expensive of the two stocks.
Table 2 provides us the net margins, return on equity and return on assets of both businesses.
|Net Margins||Return on Equity||Return on Assets|
|Lincoln National Corporation||13.24%||12.9%||0.7%|
|ING Groep N.V.||0.00%||9.3%||0.5%|
Risk & Volatility
Lincoln National Corporation is 91.00% more volatile than Standard and Poor‚Äôs 500 because the company has a beta of 1.91. Competitively, ING Groep N.V. is 23.00% more volatile than Standard and Poor‚Äôs 500, because of the 1.23 beta.
$1.32 per share with a dividend yield of 2.28% is the annual dividend that Lincoln National Corporation pay. On the other side ING Groep N.V. pays an annual dividend of $0.78 per share. It‚Äôs dividend yield is 6.73%.
Recommmendations and Ratings for Lincoln National Corporation and ING Groep N.V. can be find in next table.
|Sell Ratings||Hold Ratings||Buy Ratings||Rating Score|
|Lincoln National Corporation||0||6||3||2.33|
|ING Groep N.V.||0||1||0||2.00|
The average target price of Lincoln National Corporation is $73.33, with potential upside of 23.95%.
Insider and Institutional Ownership
Lincoln National Corporation and ING Groep N.V. has shares held by institutional investors as follows: 84.4% and 3.5%. Lincoln National Corporation‚Äôs share held by insiders are 0.2%. Comparatively, ING Groep N.V. has 1% of it‚Äôs share held by insiders.
On 12 of the 12 factors Lincoln National Corporation beats ING Groep N.V..
Lincoln National Corporation, through its subsidiaries, engages in the multiple insurance and retirement businesses in the United States. It operates through four segments: Annuities, Retirement Plan Services, Life Insurance, and Group Protection. The company sells a range of wealth protection, accumulation, and retirement income products and solutions. The company√ā‚Äôs products include fixed and indexed annuities, variable annuities, universal life insurance (UL), variable universal life insurance (VUL), linked-benefit UL, term life insurance, indexed universal life insurance, and employer-sponsored retirement plans and services, as well as group life, disability, and dental products. It also provides various plan investment vehicles, including individual and group variable annuities, group fixed annuities, and mutual fund-based programs; single and survivorship versions of UL and VUL, including corporate-owned UL and VUL, and bank-owned UL and VUL insurance products; and group non-medical insurance products, principally term life, universal life, disability, dental, vision, accident, and critical illness insurance to the employer market place through various forms of contributory and non-contributory plans. The company distributes its products through consultants, brokers, planners, agents, financial advisors, third-party administrators, and other intermediaries. Lincoln National Corporation was founded in 1904 and is headquartered in Radnor, Pennsylvania.
ING Groep N.V., a financial institution, provides various banking products and services to individuals, small and medium-sized enterprises, and mid-corporates. The company operates through Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking segments. It accepts various deposits, such as current and savings accounts; and offers business lending, consumer lending, and lease products. The company also provides mortgages; corporate, commercial, structured, and real estate financing services; financial markets products; and payment, cash management, transaction, and trade finance services, as well as working capital solutions. It operates in the Netherlands, Belgium, Rest of Europe, North America, Latin America, Asia, and Australia. The company was founded in 1991 and is headquartered in Amsterdam, the Netherlands.