NSP Stock Analysis: Insperity | NYSE
Staffing & Employment Services | NYSE, USA | Market Cap: 1.940m USD | 12M Return: 12.9% | US45778Q1076 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 19.3M
EPS Trend: -96.3%
Qual. Beats: 0
Rev. Trend: 98.9%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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 solutions focused on small and medium-sized businesses, headquartered in Kingwood, Texas and founded in 1986 (formerly known as Administaff until March 2011). The company operates as a Professional Employer Organization (PEO), an arrangement in which the provider co-employs a clients workforce and assumes responsibility for payroll, benefits administration, tax filings, and regulatory compliance, thereby enabling SMBs to access employee benefit programs and HR infrastructure typically available only to larger employers. Insperitys offerings include three core platforms-HR360 (full-service PEO), HRCore (streamlined HR/payroll), and HRScale (a scalable solution built on Workday technology)-alongside complementary services such as talent acquisition, retirement and insurance products, contractor management, Perks+, and human capital management. The company is classified within the Industrials sector under the Human Resource & Employment Services sub-industry.
- PEO pricing tightens amid rising health insurance costs
- Worksite employee growth drives recurring service revenue
- Small business hiring slowdown pressures net new client adds
| Net Income: -16.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.12 > 0.02 and ΔFCF/TA 16.92 > 1.0 |
| NWC/Revenue: 2.62% < 20% (prev 2.39%; Δ 0.23% < -1%) |
| CFO/TA 0.14 > 3% & CFO 306.0m > Net Income -16.0m |
| Net Debt (-82.0m) to EBITDA (54.0m): -1.52 < 3 |
| Current Ratio: 1.11 > 1.5 & < 3 |
| Outstanding Shares: last quarter (37.7m) vs 12m ago 5.56% < -2% |
| Gross Margin: 12.81% > 18% (prev 14.64%; Δ -1.83% > 0.5%) |
| Asset Turnover: 323.2% > 50% (prev 331.8%; Δ -8.53% > 0%) |
| Interest Coverage Ratio: 0.42 > 6 (EBIT TTM 10.0m / Interest Expense TTM 24.0m) |
| A: 0.08 (Total Current Assets 1.77b - Total Current Liabilities 1.59b) / Total Assets 2.23b |
| B: 0.28 (Retained Earnings 629.0m / Total Assets 2.23b) |
| C: 0.00 (EBIT TTM 10.0m / Avg Total Assets 2.13b) |
| D: 0.03 (Book Value of Equity 61.0m / Total Liabilities 2.17b) |
| Altman-Z'' = 1.51 = BB |
| DSRI: 1.00 (Receivables 878.0m/854.0m, Revenue 6.87b/6.70b) |
| GMI: 1.14 (GM 14.64% / 12.81%) |
| AQI: 0.86 (AQ_t 0.11 / AQ_t-1 0.13) |
| SGI: 1.03 (Revenue 6.87b / 6.70b) |
| TATA: -0.14 (NI -16.0m - CFO 306.0m) / TA 2.23b) |
| Beneish M = -2.98 (Cap -4..+1) = A |
As of October 22, 2026, the stock is trading at USD 50.18 with a total of 266,200 shares traded. Over the past week, the price has changed by +1.21%, over one month by -0.16%, over three months by -0.66% and over the past year by +12.88%.
Current recommended Stop Loss: 46.50 (which is 7.3% or 1.7 ATR below the current price).
Insperity has received a consensus analysts rating of 3.20. Therefore, it is recommended to hold NSP.
- StrongBuy: 1
- Buy: 0
- Hold: 3
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 51.8 | 3.1% |
P/E Forward = 18.1488
P/S = 0.2824
P/B = 30.5875
P/EG = 1.4178
Revenue TTM = 6.87b USD
EBIT TTM = 10.0m USD
EBITDA TTM = 54.0m USD
Long Term Debt = 419.0m USD (from longTermDebt, last quarter)
Short Term Debt = 19.0m USD (from shortTermDebt, last fiscal year)
Debt = 537.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 59.0m
Net Debt = -82.0m USD (calculated: Debt 537.0m - CCE 619.0m)
Enterprise Value = 1.86b USD (1.94b + Debt 537.0m - CCE 619.0m)
Interest Coverage Ratio = 0.42 (Ebit TTM 10.0m / Interest Expense TTM 24.0m)
EV/FCF = 6.76x (Enterprise Value 1.86b / FCF TTM 275.0m)
FCF Yield = 14.80% (FCF TTM 275.0m / Enterprise Value 1.86b)
FCF Margin = 4.00% (FCF TTM 275.0m / Revenue TTM 6.87b)
Net Margin = -0.23% (Net Income TTM -16.0m / Revenue TTM 6.87b)
Gross Margin = 12.81% ((Revenue TTM 6.87b - Cost of Revenue TTM 5.99b) / Revenue TTM)
Gross Margin QoQ = 13.17% (prev 15.36%)
Tobins Q-Ratio = 0.83 (Enterprise Value 1.86b / Total Assets 2.23b)
Interest Expense / Debt = 4.47% (Interest Expense 24.0m / Debt 537.0m)
Taxrate = 20.0% (1.00m / 5.00m)
NOPAT = 8.00m (EBIT 10.0m * (1 - 20.00%))
Current Ratio = 1.11 (Total Current Assets 1.77b / Total Current Liabilities 1.59b)
Debt / Equity = 8.80 (Debt 537.0m / totalStockholderEquity, last quarter 61.0m)
Debt / EBITDA = -1.52 (Net Debt -82.0m / EBITDA 54.0m)
Debt / FCF = -0.30 (Net Debt -82.0m / FCF TTM 275.0m)
Total Stockholder Equity = 65.2m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.75% (Net Income -16.0m / Total Assets 2.23b)
RoE = -24.52% (Net Income TTM -16.0m / Total Stockholder Equity 65.2m)
RoCE = 2.07% (EBIT 10.0m / Capital Employed (Equity 65.2m + L.T.Debt 419.0m))
RoIC = 2.48% (NOPAT 8.00m / Invested Capital 322.4m)
WACC = 4.34% (E(1.94b)/V(2.48b) * Re(4.55%) + D(537.0m)/V(2.48b) * Rd(4.47%) * (1-Tc(0.20)))
Discount Rate = 4.55% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -20.22 | Cagr: -0.35%
[DCF] Terminal Value 75.44% ; FCFF base≈275.0m ; Y1≈276.1m ; Y5≈292.5m
[DCF] Fair Price = 121.3 (EV 4.55b - Net Debt -82.0m = Equity 4.63b / Shares 38.2m; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: -96.30 | EPS CAGR: -57.96% | SUE: 0.58 | # QB: 0
Revenue Correlation: 98.93 | Revenue CAGR: 2.58% | SUE: 1.54 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.21 | Chg30d=-9.11% | Revisions=+0% | Analysts=5
EPS current Year (2026-12-31): EPS=2.11 | Chg30d=+2.89% | Revisions=+25% | GrowthEPS=+105.2% | GrowthRev=+1.4%
EPS next Year (2027-12-31): EPS=2.70 | Chg30d=-3.51% | Revisions=-25% | GrowthEPS=+27.7% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: +0% (up=3, down=3)