WallStSmart

Kelly Services B Inc (KELYB)vsInsperity Inc (NSP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Insperity Inc generates 66% more annual revenue ($6.84B vs $4.13B). NSP leads profitability with a -0.4% profit margin vs -6.4%. KELYB appears more attractively valued with a PEG of 1.40. KELYB earns a higher WallStSmart Score of 49/100 (D+).

KELYB

Hold

49

out of 100

Grade: D+

Growth: 4.7Profit: 3.0Value: 7.0Quality: 8.0
Piotroski: 4/9Altman Z: 3.27

NSP

Hold

37

out of 100

Grade: F

Growth: 3.3Profit: 2.5Value: 7.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

KELYBUndervalued (+52.0%)

Margin of Safety

+52.0%

Fair Value

$37.70

Current Price

$18.70

$19.00 discount

UndervaluedFair: $37.70Overvalued
NSPUndervalued (+71.5%)

Margin of Safety

+71.5%

Fair Value

$105.18

Current Price

$34.47

$70.71 discount

UndervaluedFair: $105.18Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KELYB4 strengths · Avg: 9.8/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

EPS GrowthGrowth
333.3%10/10

Earnings expanding 333.3% YoY

Altman Z-ScoreHealth
3.2710/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.199/10

Conservative balance sheet, low leverage

NSP0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

KELYB4 concerns · Avg: 2.5/10
Market CapQuality
$622.66M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
0.4%3/10

Operating margin of 0.4%

Return on EquityProfitability
-24.1%2/10

ROE of -24.1% — below average capital efficiency

Revenue GrowthGrowth
-10.7%2/10

Revenue declined 10.7%

NSP4 concerns · Avg: 3.5/10
Price/BookValuation
19.6x4/10

Trading at 19.6x book value

Revenue GrowthGrowth
1.7%4/10

1.7% revenue growth

Market CapQuality
$1.24B3/10

Smaller company, higher risk/reward

Operating MarginProfitability
3.3%3/10

Operating margin of 3.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : KELYB

The strongest argument for KELYB centers on Price/Book, EPS Growth, Altman Z-Score. PEG of 1.40 suggests the stock is reasonably priced for its growth.

Bull Case : NSP

PEG of 1.42 suggests the stock is reasonably priced for its growth.

Bear Case : KELYB

The primary concerns for KELYB are Market Cap, Operating Margin, Return on Equity.

Bear Case : NSP

The primary concerns for NSP are Price/Book, Revenue Growth, Market Cap.

Key Dynamics to Monitor

KELYB carries more volatility with a beta of 0.79 — expect wider price swings.

NSP is growing revenue faster at 1.7% — sustainability is the question.

KELYB generates stronger free cash flow (-27M), providing more financial flexibility.

Monitor STAFFING & EMPLOYMENT SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

KELYB scores higher overall (49/100 vs 37/100). NSP offers better value entry with a 71.5% margin of safety. Both earn "Hold" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Kelly Services B Inc

INDUSTRIALS · STAFFING & EMPLOYMENT SERVICES · USA

Kelly Services, Inc. provides workforce solutions to various industries. The company is headquartered in Troy, Michigan.

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Insperity Inc

INDUSTRIALS · STAFFING & EMPLOYMENT SERVICES · USA

Insperity, Inc. provides human resources (HR) and business solutions to improve business performance for small and medium-sized businesses. The company is headquartered in Kingwood, Texas.

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