NSP Stock Analysis: Insperity | NYSE
Staffing & Employment Services | NYSE, USA | Market Cap: 1.737m USD | 12M Return: -6.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 29.4M
EPS Trend: -93.8%
Qual. Beats: 0
Rev. Trend: 98.2%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Insperity, Inc. (NYSE: NSP) is a U.S.-based provider of human resources and business performance solutions focused on small and medium-sized businesses. Founded in 1986 and headquartered in Kingwood, Texas, the company previously operated under the name Administaff before rebranding in March 2011.
The company operates as a Professional Employer Organization (PEO), a business model in which the provider co-employs client workers and assumes responsibility for HR administration, payroll, benefits, and compliance. The PEO structure allows small and mid-market employers to access enterprise-level HR capabilities and benefit programs without building out large in-house HR departments, a key value proposition in the U.S. SMB market.
Insperitys offerings are built around three core platforms: HR360, a full-service PEO solution combining HR technology, compliance, and strategic support; HRCore, a streamlined platform focused on payroll, compliance, and workforce management; and HRScale, a scalable offering that integrates Insperitys expertise with Workdays HR technology.
Beyond its PEO platforms, the company delivers performance solutions spanning talent acquisition, retirement, and insurance services, as well as contractor management and its Perks+ offering. It also provides human capital management, integrated payroll, benefits administration, employee onboarding, time and attendance, and performance management services.
- Worksite employee count growth drives PEO segment revenue
- Rising health insurance costs pressure gross margins
- Small business hiring recovery boosts HR outsourcing demand
| Net Income: -25.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 2.72 > 1.0 |
| NWC/Revenue: 2.07% < 20% (prev 2.83%; Δ -0.76% < -1%) |
| CFO/TA 0.04 > 3% & CFO 98.0m > Net Income -25.0m |
| Net Debt (-64.0m) to EBITDA (56.0m): -1.14 < 3 |
| Current Ratio: 1.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (37.7m) vs 12m ago -0.79% < -2% |
| Gross Margin: 12.87% > 18% (prev 15.31%; Δ -2.44% > 0.5%) |
| Asset Turnover: 315.5% > 50% (prev 309.9%; Δ 5.53% > 0%) |
| Interest Coverage Ratio: 0.46 > 6 (EBIT TTM 11.0m / Interest Expense TTM 24.0m) |
| A: 0.06 (Total Current Assets 1.73b - Total Current Liabilities 1.59b) / Total Assets 2.20b |
| B: 0.30 (Retained Earnings 648.0m / Total Assets 2.20b) |
| C: 0.01 (EBIT TTM 11.0m / Avg Total Assets 2.17b) |
| D: 0.03 (Book Value of Equity 67.0m / Total Liabilities 2.13b) |
| Altman-Z'' = 1.45 = BB |
| DSRI: 1.01 (Receivables 880.0m/842.0m, Revenue 6.84b/6.64b) |
| GMI: 1.19 (GM 15.31% / 12.87%) |
| AQI: 0.97 (AQ_t 0.11 / AQ_t-1 0.11) |
| SGI: 1.03 (Revenue 6.84b / 6.64b) |
| TATA: -0.06 (NI -25.0m - CFO 98.0m) / TA 2.20b) |
| Beneish M = -2.85 (Cap -4..+1) = A |
As of July 17, 2026, the stock is trading at USD 49.48 with a total of 557,758 shares traded. Over the past week, the price has changed by +11.52%, over one month by +41.57%, over three months by +75.66% and over the past year by -6.33%.
Current recommended Stop Loss: 43.70 (which is 11.7% or 2.3 ATR below the current price).
Insperity has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold NSP.
- StrongBuy: 0
- Buy: 1
- Hold: 3
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 39.5 | -20.2% |
P/E Forward = 22.779
P/S = 0.2538
P/B = 25.9266
P/EG = 1.4178
Revenue TTM = 6.84b USD
EBIT TTM = 11.0m USD
EBITDA TTM = 56.0m USD
Long Term Debt = 369.0m USD (from longTermDebt, last quarter)
Short Term Debt = 19.0m USD (from shortTermDebt, last fiscal year)
Debt = 491.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 61.0m
Net Debt = -64.0m USD (calculated: Debt 491.0m - CCE 555.0m)
Enterprise Value = 1.67b USD (1.74b + Debt 491.0m - CCE 555.0m)
Interest Coverage Ratio = 0.46 (Ebit TTM 11.0m / Interest Expense TTM 24.0m)
EV/FCF = 24.97x (Enterprise Value 1.67b / FCF TTM 67.0m)
FCF Yield = 4.00% (FCF TTM 67.0m / Enterprise Value 1.67b)
FCF Margin = 0.98% (FCF TTM 67.0m / Revenue TTM 6.84b)
Net Margin = -0.37% (Net Income TTM -25.0m / Revenue TTM 6.84b)
Gross Margin = 12.87% ((Revenue TTM 6.84b - Cost of Revenue TTM 5.96b) / Revenue TTM)
Gross Margin QoQ = 15.36% (prev 10.31%)
Tobins Q-Ratio = 0.76 (Enterprise Value 1.67b / Total Assets 2.20b)
Interest Expense / Debt = 4.89% (Interest Expense 24.0m / Debt 491.0m)
Taxrate = 47.62% (30.0m / 63.0m)
NOPAT = 5.76m (EBIT 11.0m * (1 - 47.62%))
Current Ratio = 1.09 (Total Current Assets 1.73b / Total Current Liabilities 1.59b)
Debt / Equity = 7.33 (Debt 491.0m / totalStockholderEquity, last quarter 67.0m)
Debt / EBITDA = -1.14 (Net Debt -64.0m / EBITDA 56.0m)
Debt / FCF = -0.96 (Net Debt -64.0m / FCF TTM 67.0m)
Total Stockholder Equity = 78.0m (last 4 quarters mean from totalStockholderEquity)
RoA = -1.15% (Net Income -25.0m / Total Assets 2.20b)
RoE = -32.05% (Net Income TTM -25.0m / Total Stockholder Equity 78.0m)
RoCE = 2.46% (EBIT 11.0m / Capital Employed (Equity 78.0m + L.T.Debt 369.0m))
RoIC = 2.02% (NOPAT 5.76m / Invested Capital 284.8m)
WACC = 5.37% (E(1.74b)/V(2.23b) * Re(6.16%) + D(491.0m)/V(2.23b) * Rd(4.89%) * (1-Tc(0.48)))
Discount Rate = 6.16% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -12.60 | Cagr: 0.10%
[DCF] Terminal Value 77.97% ; FCFF base≈43.0m ; Y1≈49.3m ; Y5≈72.5m
[DCF] Fair Price = 30.28 (EV 1.09b - Net Debt -64.0m = Equity 1.16b / Shares 38.2m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -93.84 | EPS CAGR: -51.93% | SUE: 0.34 | # QB: 0
Revenue Correlation: 98.20 | Revenue CAGR: 2.81% | SUE: 0.18 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.37 | Chg30d=-21.25% | Revisions=-50% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.23 | Chg30d=-36.53% | Revisions=-29% | Analysts=5
EPS current Year (2026-12-31): EPS=2.05 | Chg30d=-4.07% | Revisions=-38% | GrowthEPS=+99.4% | GrowthRev=+1.1%
EPS next Year (2027-12-31): EPS=2.80 | Chg30d=-9.57% | Revisions=-62% | GrowthEPS=+36.1% | GrowthRev=+5.1%
[Analyst] Revisions Ratio: -65% (up=2, down=15)