Lincoln National (NYSE:LNC) and Scor (OTCMKTS:SCRYY) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, valuation, profitability, institutional ownership, risk, analyst recommendations and earnings.
Lincoln National pays an annual dividend of $1.48 per share and has a dividend yield of 2.3%. Scor pays an annual dividend of $0.14 per share and has a dividend yield of 3.2%. Lincoln National pays out 17.5% of its earnings in the form of a dividend. Scor pays out 70.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Lincoln National has increased its dividend for 8 consecutive years.
This table compares Lincoln National and Scor’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Valuation & Earnings
This table compares Lincoln National and Scor’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Lincoln National||$16.42 billion||0.80||$1.64 billion||$8.48||7.67|
|Scor||$16.07 billion||0.53||$380.28 million||$0.20||22.00|
Lincoln National has higher revenue and earnings than Scor. Lincoln National is trading at a lower price-to-earnings ratio than Scor, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
Lincoln National has a beta of 1.89, meaning that its stock price is 89% more volatile than the S&P 500. Comparatively, Scor has a beta of 0.46, meaning that its stock price is 54% less volatile than the S&P 500.
This is a breakdown of current ratings for Lincoln National and Scor, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Lincoln National presently has a consensus target price of $76.00, indicating a potential upside of 16.92%. Given Lincoln National’s stronger consensus rating and higher probable upside, equities analysts clearly believe Lincoln National is more favorable than Scor.
Insider & Institutional Ownership
80.6% of Lincoln National shares are held by institutional investors. Comparatively, 0.2% of Scor shares are held by institutional investors. 1.5% of Lincoln National shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Lincoln National beats Scor on 14 of the 17 factors compared between the two stocks.
Lincoln National Company Profile
Lincoln National Corporation, through its subsidiaries, operates multiple insurance and retirement businesses in the United States. It operates through four segments: Annuities, Retirement Plan Services, Life Insurance, and Group Protection. The Annuities segment offers variable, fixed, and indexed variable annuities. The Retirement Plan Services segment provides employers with retirement plan products and services primarily in the defined contribution retirement plan marketplace. This segment offers individual and group variable annuities, group fixed annuities, and mutual fund-based programs; and a range of plan services, including plan recordkeeping, compliance testing, participant education, and trust and custodial services. The Life Insurance segment provides life insurance products, including term insurance, such as single and survivorship versions of universal life insurance; variable universal life insurance; and indexed universal life insurance products; and a critical illness rider. The Group Protection segment offers group non-medical insurance products comprising short and long-term disability, statutory disability and paid family medical leave administration and absence management services, term life, dental, vision and accident, and critical illness benefits and services to the employer marketplace through various forms of employee-paid and employer-paid 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 1905 and is headquartered in Radnor, Pennsylvania.
Scor Company Profile
SCOR SE provides life and non-life reinsurance products worldwide. It operates through SCOR Global P&C and SCOR Global Life segments. The SCOR Global P&C segment offers reinsurance products in the areas of property and casualty treaties; specialty treaties, including credit and surety, decennial insurance, aviation, space, marine, engineering, agriculture risks, and alternative solutions; business solutions; business ventures and partnerships; and direct insurance products on a business-to-business basis. The SCOR Global Life segment provides life reinsurance products, including protection for mortality, morbidity, behavioral risks, disability, long-term care, critical illness, medical, and personal accident. This segment also provides financial solutions that combine traditional life reinsurance with financial components and provide liquidity, balance sheet, solvency, and income improvements to clients; longevity solutions that include products covering the risk of negative deviation from expected results due to the insured or annuitant living longer than assumed in the pricing of insurance covers provided by insurers or pension funds; and distribution solutions. In addition, the company is involved in the asset management business. SCOR SE was founded in 1970 and is headquartered in Paris, France.
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