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Pekin Life Insurance Company (PKIN) Fair Value & Analysis

Financial Services · US · Market cap $192M

Price$11.75
Fair Value$5.23
Upside-55.5%
Quality95/100
Evidence: Low Range $3.90 – $7.80

Fair value as of: Jun 26, 2026

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Analysis

Pekin Life Insurance Company (PKIN) currently trades at $11.75, while our model-based Fair Value estimate is $5.23 — implying the stock looks roughly 55.5% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).

About the company

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.

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Frequently asked questions

Is Pekin Life Insurance Company (PKIN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $5.23 versus a price of $11.75 — about −55% (overvalued). Model-based estimate, not financial advice.
What is the fair value of PKIN?
Our 21-model fair value for Pekin Life Insurance Company is $5.23 (as of Jun 26, 2026), built from audited fundamentals. The current price is $11.75.
What is the quality score of PKIN?
Pekin Life Insurance Company has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.