WallStSmart

Kforce Inc. (KFRC)vsInsperity Inc (NSP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Insperity Inc generates 415% more annual revenue ($6.84B vs $1.33B). KFRC leads profitability with a 2.6% profit margin vs -0.4%. KFRC appears more attractively valued with a PEG of 0.56. KFRC earns a higher WallStSmart Score of 53/100 (C-).

KFRC

Buy

53

out of 100

Grade: C-

Growth: 3.3Profit: 6.5Value: 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 (-38.9%)

Margin of Safety

-38.9%

Fair Value

$22.12

Current Price

$59.06

$36.94 premium

UndervaluedFair: $22.12Overvalued
NSPUndervalued (+71.0%)

Margin of Safety

+71.0%

Fair Value

$103.44

Current Price

$53.21

$50.23 discount

UndervaluedFair: $103.44Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KFRC3 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
6.7710/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
29.5%9/10

Every $100 of equity generates 29 in profit

PEG RatioValuation
0.568/10

Growing faster than its price suggests

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

Safe zone — low bankruptcy risk

Areas to Watch

KFRC4 concerns · Avg: 4.0/10
P/E RatioValuation
29.5x4/10

Moderate valuation

Price/BookValuation
8.5x4/10

Trading at 8.5x book value

Revenue GrowthGrowth
0.1%4/10

0.1% revenue growth

EPS GrowthGrowth
2.6%4/10

2.6% earnings growth

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

1.7% revenue growth

Market CapQuality
$1.97B3/10

Smaller company, higher risk/reward

Operating MarginProfitability
3.3%3/10

Operating margin of 3.3%

Price/BookValuation
30.2x2/10

Trading at 30.2x 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, Price/Book, Revenue Growth. Thin 2.6% 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 6.42 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 0.89 — expect wider price swings.

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

KFRC generates stronger free cash flow (-7M), providing more financial flexibility.

Bottom Line

KFRC scores higher overall (53/100 vs 37/100). NSP offers better value entry with a 71.0% 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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