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Pekin Life Insurance Co (PKIN) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Pekin Life Insurance Co $5.23, price $11.80, upside -55.7%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · US · ISIN US7056341032

PL Pekin Life Insurance Co logo Thin data Sep 24, 2026

Pekin Life Insurance Co

PKIN · US

Stretched ValuationStrong overvaluation with only moderate quality.

!Fair value $5.23 · Strongly overvalued (−56%)
!Quality 52/100
!Weak Growth (revenue 5y +0.8 %/yr)
!Thin margins · 1.8% net margin (FY2025)
!Low debt · negative free cash flow
!Trails peers (1/10)
!Narrow moat 16/100
!Evidence only low, so the estimate is less certain
!Weak on past: 1 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$12.97 $5.05 Fair Value $5.23 Jun 2015 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $5.05 – $12.97 · fair‑value band $3.90 – $7.80 · the $11.80 price screens above the $5.23 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 3 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Pekin Life Insurance Company operates as a life and accident, and health insurance company in the United States.

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Pekin Life Insurance Company operates as a life and accident, and health insurance company in the United States. The company offers auto and home insurance products; pre-need life insurance; life insurance products, annuities, and funeral preplanning products; health insurance products; and business insurance products, including business auto, business property, general liability, and workers' compensation insurance products. It also provides group life, dental, accidental death and dismemberment, and short-term disability, as well as voluntary products and medicare supplement insurance. It sells its insurance products primarily through independent agents. Pekin Life Insurance Company was founded in 1921 and is headquartered in Pekin, Illinois. Pekin Life Insurance Company operates as a subsidiary of Farmers Automobile Insurance Association.

Stock analysis

Pekin Life Insurance Co (PKIN) currently trades at $11.80, while our model-based Fair Value estimate is $5.23, implying the stock looks roughly 125.6% overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 96/100, which puts the evidence level at low.

Scenario range: $3.90 (bear) to $7.80 (bull), the price of $11.80 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue growth is weak: less than 2 % a year.

Pekin Life Insurance Co reported revenue of −$77.4M in FY2025 versus $259M in FY2021. Reported net income was −$1.4M in FY2025.

Key figures

Market cap $201M · P/E ratio 20.3 · EPS (TTM) $0.5800 · Return on equity 0.3% · Return on assets (EBIT) 0.0% · Operating margin 0.7% · Revenue (TTM) −$72.5M · Revenue growth (YoY) −3.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).

What moves the price

The share trades about 1% below its 52-week high and 5% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −56%, PKIN screens richer than that median.

Fair Value models

Bear $3.90 Fair Value $5.23 Bull $7.80
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.4243 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
NCAV (Graham) $3.90 $5.23 $7.80 54
All 1 models by family
Asset-Based
NCAV (Graham) $3.90 $5.23 $7.80 54

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Quality Score breakdown

Overall quality 52/100

Of which business quality 48 · Market factors (momentum, volatility) 64

Profitability 10
Margins and returns on capital today
Quality Growth 32
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 3
Balance sheet, leverage, solvency risk
Investment 88
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 43
Price trend over the last 3–12 months (market factor)
52W Momentum 61
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 3/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
−0.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.8%
Revenue growth 24 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.8%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
1.3% (2019) → 4.3% (2024)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

PKIN screens 126% overvalued. Compare with China Life Insurance Company →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Life · 95 stocks

Beats the industry median on 0/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside −56% · Bottom 25%
Profitability
Return on equity (TTM) 0% · Bottom 25%
Return on assets 0% · Bottom 25%
Net margin (TTM) 2% · Bottom 25%
Operating margin (TTM) 1% · Bottom 25%
Growth and dividend
Revenue growth −4% · Bottom 25%

Valuation Multiplesvs Insurance - Life median · lower = cheaper

P/E (TTM) 20.3× · Pricier than median
P/B 1.51× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 9
FUTURE (revenue growth)0 · sector 43
PAST (return on equity)1 · sector 43
HEALTH (low debt)100 · sector 84
DIVIDEND (yield)0 · sector 56

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
China Life Insurance Company 601628 ¥38.60 ¥49.98 +29%
Ping An Insurance (Group) Company 601318 ¥53.87 ¥66.20 +23%
AIA Group 1299 HK$75.35 HK$41.68 −45%
Manulife Financial Corporation MFC $43.60 $27.43 −37%
Aflac Incorporated AFL $115.23 $67.96 −41%
MetLife, Inc MET $97.20 $53.26 −45%
Great-West Lifeco Inc GWO C$92.75 C$41.81 −55%
Life Insurance Corporation LICI ₹407.50 ₹392.93 −4%
Cathay Financial Holding 2882 110.50 TWD 72.33 TWD −35%
China Pacific Insurance (Group) Co 601601 ¥31.61 ¥49.71 +57%

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$5.23 −126%Fair Value
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Cite: Fair Value Calculator (2026). "Pekin Life Insurance Co Fair Value". https://www.fairvalue-calculator.com/stock/PKIN

Frequently asked questions

Is Pekin Life Insurance Co (PKIN) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $5.23 versus a price of $11.80, about −56% upside (overvalued).
What is the fair value of PKIN?
Our model-based fair value for Pekin Life Insurance Co is $5.23 (as of Sep 24, 2026), built from audited fundamentals. The current price: $11.80.
What is the quality score of PKIN?
Pekin Life Insurance Co has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Pekin Life Insurance Co (PKIN)?
Our model-based price target is the fair value of $5.23 (as of Sep 24, 2026) from 1 valuation models. Cautious scenario $3.90, optimistic scenario $7.80. It is a calculation from audited fundamentals, not an analyst target.
What is the Pekin Life Insurance Co stock forecast for 2026?
Our models put fair value at $5.23, about −56% upside versus a price of $11.80 (overvalued). Cautious scenario $3.90, optimistic scenario $7.80. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Pekin Life Insurance Co (PKIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pekin Life Insurance Co it is $5.23 per share (as of Sep 24, 2026), against a price of $11.80. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Pekin Life Insurance Co stock overvalued or undervalued in 2026?
As of Sep 24, 2026, PKIN trades above its calculated fair value: price $11.80, fair value $5.23, a gap of about −56% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PKIN?
No. The price is what the market pays today ($11.80); the fair value is what the company's own numbers justify ($5.23). For Pekin Life Insurance Co the two are $6.57 per share apart. That gap is exactly why we show both numbers side by side.
How much is Pekin Life Insurance Co worth?
The market values Pekin Life Insurance Co at about $201M (market capitalisation, as of Sep 24, 2026). Per share that is $11.80; our models calculate a fair value of $5.23 per share.
What do the bullish and bearish scenarios say about PKIN?
Our models span a range for Pekin Life Insurance Co: cautious scenario $3.90, base $5.23, optimistic $7.80 per share (as of Sep 24, 2026, price $11.80). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PKIN?
Pekin Life Insurance Co trades at a price-to-earnings ratio of 20.3 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $5.23 is built from several models across several years. Other multiples: P/B 1.5.
How solid is the balance sheet of Pekin Life Insurance Co (PKIN)?
Balance-sheet figures for Pekin Life Insurance Co (as of Sep 24, 2026): return on equity 0.3%. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is PKIN from its 52-week high?
Pekin Life Insurance Co trades at $11.80, about 1% below its 52-week high of $11.88 and 5% above the low of $11.25 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $5.23 is for.
Which stocks are comparable to Pekin Life Insurance Co?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Pekin Life Insurance Co stock attractive at the current price?
The data as of Sep 24, 2026: price $11.80, calculated fair value $5.23 (−56%), Quality Score 52/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PKIN calculated?
We run Pekin Life Insurance Co through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $5.23, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Pekin Life Insurance Co itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Pekin Life Insurance Co (PKIN)?
The closing price on Sep 23, 2026 was $11.80. Our model-based fair value is $5.23, about −56% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pekin Life Insurance Co right now?
The price sits above even our optimistic bull case ($7.80). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($3.90 to $7.80) leaves room in how you read the outcome.
Where does the earnings growth of Pekin Life Insurance Co (PKIN) come from?
Earnings per share at Pekin Life Insurance Co grew +1.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share −0.5 %, EBIT margin +4.7 %, tax rate −2.0 %, residual (interest, one-offs) −0.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Pekin Life Insurance Co

How large is the market capitalisation of Pekin Life Insurance Co (PKIN)?
The market capitalisation of Pekin Life Insurance Co is $201M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What are the earnings per share of Pekin Life Insurance Co (PKIN)?
Earnings per share at Pekin Life Insurance Co are $0.5800 (price ÷ EPS = P/E 20.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of Pekin Life Insurance Co (PKIN)?
The return on equity (ROE) of Pekin Life Insurance Co is 0.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Pekin Life Insurance Co (PKIN)?
On an EBIT basis the return on assets of Pekin Life Insurance Co is 0.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Pekin Life Insurance Co (PKIN)?
The operating margin of Pekin Life Insurance Co is 0.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much revenue does Pekin Life Insurance Co (PKIN) generate?
Pekin Life Insurance Co generates revenue of −$72.5M (last twelve months). Revenue of the last twelve months (TTM), the most recent full year, not the calendar year.
How fast is revenue growing at Pekin Life Insurance Co (PKIN)?
Revenue at Pekin Life Insurance Co is growing −3.8% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Pekin Life Insurance Co (PKIN)?
Earnings per share at Pekin Life Insurance Co are growing −18.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Pekin Life Insurance Co (PKIN) generate?
The free cash flow of Pekin Life Insurance Co is −$295M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Pekin Life Insurance Co (PKIN) hold?
Pekin Life Insurance Co holds more cash than debt, $7.9M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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