WallStSmart

Kforce Inc. (KFRC)vsInsperity Inc (NSP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Insperity Inc generates 411% more annual revenue ($6.87B vs $1.34B). KFRC leads profitability with a 2.7% profit margin vs -0.2%. KFRC appears more attractively valued with a PEG of 0.56. KFRC earns a higher WallStSmart Score of 60/100 (C+).

KFRC

Buy

60

out of 100

Grade: C+

Growth: 4.7Profit: 7.0Value: 5.3Quality: 6.5
Piotroski: 2/9Altman Z: 6.77

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

KFRCSignificantly Overvalued (-34.6%)

Margin of Safety

-34.6%

Fair Value

$22.83

Current Price

$51.24

$28.41 premium

UndervaluedFair: $22.83Overvalued
NSPUndervalued (+70.8%)

Margin of Safety

+70.8%

Fair Value

$102.93

Current Price

$49.69

$53.24 discount

UndervaluedFair: $102.93Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KFRC4 strengths · Avg: 8.8/10
Altman Z-ScoreHealth
6.7710/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
29.5%9/10

Every $100 of equity generates 30 in profit

PEG RatioValuation
0.568/10

Growing faster than its price suggests

EPS GrowthGrowth
23.8%8/10

Earnings expanding 23.8% YoY

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

Safe zone — low bankruptcy risk

Areas to Watch

KFRC4 concerns · Avg: 3.5/10
P/E RatioValuation
25.4x4/10

Moderate valuation

Revenue GrowthGrowth
4.5%4/10

4.5% revenue growth

Market CapQuality
$966.19M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
2.7%3/10

2.7% margin — thin

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

1.7% revenue growth

Market CapQuality
$1.92B3/10

Smaller company, higher risk/reward

Operating MarginProfitability
0.4%3/10

Operating margin of 0.4%

Price/BookValuation
31.1x2/10

Trading at 31.1x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : KFRC

The strongest argument for KFRC centers on Altman Z-Score, Return on Equity, PEG Ratio. PEG of 0.56 suggests the stock is reasonably priced for its growth.

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 : KFRC

The primary concerns for KFRC are P/E Ratio, Revenue Growth, Market Cap. Thin 2.7% margins leave little buffer for downturns.

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

KFRC profiles as a value stock while NSP is a turnaround play — different risk/reward profiles.

KFRC carries more volatility with a beta of 0.88 — expect wider price swings.

KFRC is growing revenue faster at 4.5% — sustainability is the question.

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

Bottom Line

KFRC scores higher overall (60/100 vs 37/100). NSP offers better value entry with a 70.8% margin of safety. Both earn "Buy" 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.

Kforce Inc.

INDUSTRIALS · STAFFING & EMPLOYMENT SERVICES · USA

Kforce Inc. provides professional staffing solutions and services in the United States. The company is headquartered in Tampa, Florida.

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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