WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Insperity Inc generates 69% more annual revenue ($6.87B vs $4.06B). NSP leads profitability with a -0.2% profit margin vs -6.7%. NSP appears more attractively valued with a PEG of 1.42. NSP earns a higher WallStSmart Score of 37/100 (F).

KELYB

Hold

37

out of 100

Grade: F

Growth: 2.0Profit: 3.0Value: 6.3Quality: 7.5
Piotroski: 4/9Altman Z: 3.27

NSP

Hold

37

out of 100

Grade: F

Growth: 3.3Profit: 2.5Value: 7.0Quality: 5.5
Piotroski: 4/9Altman Z: 3.60
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

KELYBUndervalued (+57.4%)

Margin of Safety

+57.4%

Fair Value

$42.47

Current Price

$23.27

$19.20 discount

UndervaluedFair: $42.47Overvalued
NSPUndervalued (+70.9%)

Margin of Safety

+70.9%

Fair Value

$103.22

Current Price

$51.81

$51.41 discount

UndervaluedFair: $103.22Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KELYB3 strengths · Avg: 9.7/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.2710/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.139/10

Conservative balance sheet, low leverage

NSP1 strengths · Avg: 10.0/10
Altman Z-ScoreHealth
3.6010/10

Safe zone — low bankruptcy risk

Areas to Watch

KELYB4 concerns · Avg: 3.0/10
PEG RatioValuation
1.784/10

Expensive relative to growth rate

Market CapQuality
$805.43M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
1.9%3/10

Operating margin of 1.9%

Return on EquityProfitability
-27.8%2/10

ROE of -27.8% — below average capital efficiency

NSP4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
1.7%4/10

1.7% revenue growth

Market CapQuality
$1.99B3/10

Smaller company, higher risk/reward

Operating MarginProfitability
0.4%3/10

Operating margin of 0.4%

Price/BookValuation
32.4x2/10

Trading at 32.4x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : KELYB

The strongest argument for KELYB centers on Price/Book, Altman Z-Score, Debt/Equity.

Bull Case : NSP

The strongest argument for NSP centers on Altman Z-Score. PEG of 1.42 suggests the stock is reasonably priced for its growth.

Bear Case : KELYB

The primary concerns for KELYB are PEG Ratio, Market Cap, Operating Margin.

Bear Case : NSP

The primary concerns for NSP are Revenue Growth, Market Cap, Operating Margin. Debt-to-equity of 7.84 is elevated, increasing financial risk.

Key Dynamics to Monitor

KELYB carries more volatility with a beta of 0.84 — expect wider price swings.

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

NSP generates stronger free cash flow (122M), providing more financial flexibility.

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

Bottom Line

KELYB scores higher overall (37/100 vs 37/100). NSP offers better value entry with a 70.9% 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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