Pekin Life Insurance Company (PKIN)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Pekin Life Insurance Company (PKIN) trades at $11.75 with AI Score 43/100 (Grade C). Pekin Life Insurance Company is a U. S. -based insurer offering a diverse range of life, accident, and health insurance products. Market cap: $200.55M, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for PKIN: PKIN does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PKIN against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
PKIN: the 1 perspectives are evenly split.
How is this calculated? →Pekin Life Insurance Company (PKIN) Financial Services Profile
Pekin Life Insurance Company provides a comprehensive suite of life, accident, and health insurance products, leveraging a network of independent agents to serve a diverse clientele across the United States.
What Is the Investment Thesis for PKIN?
Pekin Life Insurance Company operates in a stable insurance market, characterized by a growing demand for life and health insurance products. The company's diverse portfolio, including life insurance, annuities, and various health policies, positions it well to capture market share as consumer awareness of the importance of insurance increases. With a market cap of $200.55M and a P/E ratio of 524.56, Pekin Life's financial metrics indicate a unique valuation, reflecting investor sentiment and growth potential. The company's ongoing commitment to expanding its product offerings and distribution channels through independent agents serves as a key growth catalyst. However, the company faces risks associated with its OTC trading status, including lower liquidity and less stringent reporting requirements. Investors should closely monitor Pekin Life's financial performance and strategic initiatives to assess its long-term growth trajectory.
Based on FMP financials and quantitative analysis
PKIN Key Highlights
- Market cap of $200.55M indicates a small to mid-sized player in the insurance sector.
- P/E ratio of 524.56 suggests a high valuation relative to earnings, reflecting growth expectations.
- Profit margin of -0.4% indicates current challenges in profitability.
- Gross margin of 279.1% highlights strong revenue generation relative to costs.
- Beta of -0.71 suggests lower volatility compared to the broader market.
Who Are PKIN's Competitors?
PKIN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CHPXF China Pacific Insurance (Group) Co., Ltd. | $3.65 | +0.00% | $35.11B | 61 |
| PUK Prudential plc | $28.07 | +1.87% | $35.02B | 67 |
| JXN-PA Jackson Financial Inc. | $25.40 | +0.19% | $7.30B | 64 |
| AEL American Equity Investment Life Holding Company | $56.47 | +0.55% | $4.49B | 64 |
| AAIGF AIA Group Limited | $9.42 | +3.63% | $97.07B | 63 |
| MDWT Midwest Holding Inc. | $26.98 | -0.02% | $101.05M | 46 |
| UNM Unum Group | $86.78 | -6.03% | $13.86B | 46 |
| PRU Prudential Financial, Inc. | $113.45 | +0.44% | $39.40B | 46 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PKIN's Key Strengths?
- Long-standing history and experience in the insurance industry.
- Comprehensive product offerings catering to diverse customer needs.
- Strong relationships with independent agents for distribution.
What Are PKIN's Weaknesses?
- Negative profit margin indicating current profitability challenges.
- High P/E ratio may reflect investor concerns about future earnings.
- Limited brand recognition compared to larger competitors.
What Could Drive PKIN Stock Higher?
- Introduction of new insurance products targeting underinsured markets.
- Expansion of distribution channels through independent agents.
- Implementation of technology to enhance customer engagement.
- Strategic partnerships for group benefits with businesses.
What Are the Key Risks for PKIN?
- Financial-distress signal — its Altman Z-Score of 0.12 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes affecting the insurance industry landscape.
- Competition from larger, more established insurance providers.
- Economic downturns that could reduce consumer spending on insurance.
- Challenges related to maintaining profitability in a competitive market.
What Are the Growth Opportunities for PKIN?
- Expansion of Product Offerings: Pekin Life can enhance its market position by introducing innovative insurance products tailored to emerging consumer needs, such as digital health insurance solutions. The U.S. health insurance market is expected to reach $2.5 trillion by 2028, providing a significant opportunity for growth.
- Increased Distribution Through Independent Agents: By strengthening relationships with independent agents, Pekin Life can expand its reach and improve sales. The independent agent channel accounts for about 40% of life insurance sales in the U.S., highlighting the importance of this distribution strategy.
- Targeting Underinsured Markets: There is a growing segment of the population that remains underinsured, particularly among younger demographics. Pekin Life can capitalize on this by developing targeted marketing campaigns and affordable insurance solutions to attract this demographic, which is projected to grow by 15% over the next five years.
- Leveraging Technology for Customer Engagement: The adoption of digital tools and platforms can enhance customer engagement and streamline the insurance purchasing process. The digital insurance market is expected to grow significantly, with an estimated CAGR of 10% through 2027, presenting an opportunity for Pekin Life to innovate its customer experience.
- Partnerships for Group Benefits: Collaborating with businesses to offer group insurance products can drive growth. The group health insurance market is projected to expand as more companies seek to provide comprehensive benefits to attract and retain talent, creating a potential growth avenue for Pekin Life.
What Opportunities Does PKIN Have?
- Growing demand for life and health insurance products.
- Potential for expansion into underinsured markets.
- Technological advancements to enhance customer engagement.
What Threats Does PKIN Face?
- Regulatory changes impacting the insurance industry.
- Increased competition from both established and new entrants.
- Economic downturns affecting consumer spending on insurance.
What Are PKIN's Competitive Advantages?
- Established brand recognition since 1921, fostering customer trust.
- Diverse product offerings catering to a wide range of insurance needs.
- Strong distribution network through independent agents enhancing market reach.
- Focus on customer service and personalized insurance solutions.
- Ability to adapt to changing market conditions and consumer preferences.
What Does PKIN Do?
Founded in 1921, Pekin Life Insurance Company is headquartered in Pekin, Illinois, and has established itself as a significant player in the U.S. insurance market. The company offers a comprehensive suite of insurance products, including life insurance, annuities, accident, and health protection. Pekin Life's personal lines encompass coverage for various vehicles such as cars, motorcycles, snowmobiles, and golf carts, alongside homeowner policies. The company also provides a range of business-oriented policies, including commercial auto, property, general liability, and workers' compensation insurance. Pekin Life's diverse offerings are complemented by group benefits, which include life, dental, and short-term disability plans, as well as voluntary products and Medicare supplements. The company's distribution model primarily relies on independent agents, allowing it to reach a broad customer base. Over the years, Pekin Life has evolved to meet the changing needs of its clients, maintaining a focus on delivering reliable insurance solutions. Despite challenges in the insurance sector, Pekin Life continues to adapt, positioning itself as a trusted provider of financial protection and peace of mind for individuals and businesses alike.
What Products and Services Does PKIN Offer?
- Provide life insurance products to individuals and families.
- Offer annuities for retirement planning and income security.
- Deliver health insurance solutions, including Medicare supplements.
- Supply personal lines insurance for vehicles and homeowners.
- Provide business insurance policies, including commercial auto and liability coverage.
- Offer group benefits such as dental and short-term disability plans.
How Does PKIN Make Money?
- Generate revenue through premiums collected from policyholders.
- Invest premium income to generate returns and support claims payouts.
- Utilize a network of independent agents for distribution and sales.
- Offer a diverse range of insurance products to meet various customer needs.
- Focus on risk management and underwriting to maintain profitability.
What Industry Does PKIN Operate In?
The life insurance industry is experiencing steady growth, driven by increasing consumer awareness of the need for life and health coverage. The U.S. life insurance market is projected to grow at a CAGR of approximately 5% over the next five years, fueled by demographic shifts and rising healthcare costs. Pekin Life Insurance Company operates within this expanding market, competing with major players like China Pacific Insurance (Group) Co., Ltd. The competitive landscape is characterized by a mix of established insurers and emerging companies, all vying for market share in a sector that remains essential for financial security.
Who Are PKIN's Key Customers?
- Individuals seeking life and health insurance coverage.
- Families looking for comprehensive insurance solutions.
- Businesses requiring commercial insurance and employee benefits.
- Independent agents who distribute Pekin Life's products.
- Retirees interested in annuities and Medicare supplements.
Company Profile
Pekin Life Insurance Company operates in the Insurance - Life industry within the Financial Services sector. It is headquartered in Pekin, US. The company is led by CEO Daniel Vincent Connell. PKIN has traded publicly since 1994.
How Pekin Life Insurance Company Is Valued
Pekin Life Insurance Company carries a market capitalization of $200.55M, placing it in the micro-cap category. Relative to its peer group, PKIN's quantitative score of 43/100 is below the peer average of 64/100.
ROE 0%Key Financial Metrics
Return on equity for Pekin Life Insurance Company stands at 0.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.0%, showing how much profit it generates from its asset base. PKIN trades at a trailing price-to-earnings ratio of 502.24, above the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.2%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 4/9Financial Health
Pekin Life Insurance Company's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.12 places it in the distress zone, a signal of elevated financial risk.
PKIN Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- PKIN shows signs of potential stability given recent insider confidence, suggesting those closest to the company see value.
- The community sentiment leans towards optimism, possibly fueled by perceived undervaluation or future growth prospects.
- Positive market perception due to recent industry trends might be benefiting PKIN, creating a favorable environment.
- Developments in the insurance sector could be indirectly boosting PKIN's outlook, attracting investor attention.
Bear Case
- Recent insider activity, while showing some confidence, might be interpreted as strategic moves rather than true belief in explosive growth.
- Community sentiment, although leaning bullish, still has pockets of concern regarding long-term viability in a competitive market.
- Market perception could be overly optimistic, ignoring potential headwinds or competitive pressures facing PKIN.
- Developments in the insurance sector, such as increased regulatory scrutiny, might pose challenges for PKIN's future performance.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
PKIN Latest News
No recent news available for PKIN.
PKIN Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PKIN.
Price Targets
Wall Street price target analysis for PKIN.
PKIN MoonshotScore
What does this score mean?
The MoonshotScore rates PKIN's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Daniel Vincent Connell
CEO
Daniel Vincent Connell has been at the helm of Pekin Life Insurance Company, steering the organization through various market challenges. With a background in finance and insurance, he has accumulated extensive experience in the industry. Connell's leadership has focused on enhancing the company's product offerings and improving operational efficiencies. He holds a degree in Business Administration and has previously held roles in various insurance firms, contributing to his deep understanding of the sector.
Track Record: Under Connell's leadership, Pekin Life has expanded its product portfolio and strengthened its distribution network. He has been instrumental in implementing strategic initiatives aimed at improving profitability and customer satisfaction.
PKIN OTC Market Information
The OTC Other tier represents stocks that trade on the over-the-counter market but do not meet the stringent requirements of major exchanges like NYSE or NASDAQ. Companies in this tier may have less liquidity and lower visibility, which can impact trading dynamics.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower liquidity compared to stocks on major exchanges, which may lead to price volatility.
- Less stringent reporting requirements could result in less transparency.
- Potential for wider bid-ask spreads, impacting trade execution.
- Regulatory risks associated with OTC trading may affect investor confidence.
- Market perception issues due to the OTC classification could hinder growth.
- Review the company's financial statements and performance metrics.
- Assess the management team's experience and track record.
- Evaluate the competitive landscape and market positioning.
- Monitor regulatory updates impacting the insurance sector.
- Investigate customer satisfaction and retention rates.
- Established history since 1921, indicating stability and experience.
- Presence of a qualified management team with industry expertise.
- Diverse product offerings that cater to a broad customer base.
PKIN Financial Services Stock FAQ
What does Pekin Life Insurance Company do?
Pekin Life Insurance Company provides a wide range of insurance products, including life, accident, and health coverage. The company offers personal lines such as vehicle and homeowner insurance, as well as business policies like commercial auto and general liability. Additionally, Pekin Life provides group benefits and annuities, primarily distributed through independent agents.
What are the main risks for PKIN?
Pekin Life Insurance Company faces several risks, including regulatory changes that could impact its operations and profitability. The company also competes with larger insurers, which may affect its market share. Economic downturns pose a risk as they can lead to decreased consumer spending on insurance products, further challenging the company's financial performance.
How does Pekin Life Insurance Company manage its risk exposure?
Pekin Life Insurance Company employs a comprehensive risk management framework that includes underwriting practices to assess and mitigate risks associated with policy issuance. The company regularly reviews its portfolio to ensure adequate reserves are maintained for claims. Additionally, Pekin Life monitors market trends and regulatory changes to adapt its strategies accordingly, ensuring long-term stability and sustainability.
What are the key factors to evaluate for PKIN?
Pekin Life Insurance Company (PKIN) holds an AI score of 43/100 (low). Not financial advice.
How frequently does PKIN data refresh on this page?
PKIN prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven PKIN's recent stock price performance?
Pekin Life Insurance Company (PKIN) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and experience in the insurance industry. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PKIN overvalued or undervalued right now?
Valuing Pekin Life Insurance Company (PKIN) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying PKIN?
Before investing in Pekin Life Insurance Company (PKIN), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Data is based on available financial reports and company information as of June 2026.