(NSP) Insperity - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US45778Q1076
Payroll, Benefits, Compliance, Hcm, PEO
Dividends
| Dividend Yield | 6.21% |
| Yield on Cost 5y | 3.29% |
| Yield CAGR 5y | 10.32% |
| Payout Consistency | 87.8% |
| Payout Ratio | 142.9% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 46.3% |
| Value at Risk 5%th | 61.1% |
| Relative Tail Risk | -19.86% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.16 |
| Alpha | -64.41 |
| CAGR/Max DD | -0.38 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.489 |
| Beta | 0.779 |
| Beta Downside | 0.599 |
| Drawdowns 3y | |
|---|---|
| Max DD | 73.84% |
| Mean DD | 27.70% |
| Median DD | 25.40% |
Description: NSP Insperity November 12, 2025
Insperity, Inc. (NYSE: NSP) delivers outsourced human-resources and business-performance solutions to U.S. small- and medium-size enterprises. Its portfolio includes payroll, benefits administration, workers’ compensation, compliance, performance management, training, and a cloud-based HCM platform (Insperity Premier) that functions as a professional employer organization (PEO) for middle-market clients.
Key operating metrics show the company generated roughly $1.3 billion in revenue for FY 2023, with an adjusted EBITDA margin near 12 % and a client retention rate above 95 %, reflecting the sticky nature of PEO contracts. Growth is tied to macro trends such as continued SMB hiring, rising labor-cost inflation, and the broader shift toward outsourced HR services, which the industry is forecast to expand at a CAGR of ~6 % through 2028.
For a deeper, data-driven look at Insperity’s valuation dynamics, you might find ValueRay’s analytical dashboards useful for uncovering hidden upside or downside risks.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (17.0m TTM) > 0 and > 6% of Revenue (6% = 405.4m TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA 6.85pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 2.55% (prev 3.05%; Δ -0.51pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 86.0m > Net Income 17.0m (YES >=105%, WARN >=100%) |
| Net Debt (-65.0m) to EBITDA (98.0m) ratio: -0.66 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.12 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (38.0m) change vs 12m ago 0.0% (target <= -2.0% for YES) |
| Gross Margin 13.84% (prev 16.13%; Δ -2.29pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 342.6% (prev 338.8%; Δ 3.80pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 2.16 (EBITDA TTM 98.0m / Interest Expense TTM 25.0m) >= 6 (WARN >= 3) |
Altman Z'' 2.25
| (A) 0.09 = (Total Current Assets 1.55b - Total Current Liabilities 1.38b) / Total Assets 2.01b |
| (B) 0.34 = Retained Earnings (Balance) 694.0m / Total Assets 2.01b |
| (C) 0.03 = EBIT TTM 54.0m / Avg Total Assets 1.97b |
| (D) 0.36 = Book Value of Equity 695.0m / Total Liabilities 1.93b |
| Total Rating: 2.25 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 59.19
| 1. Piotroski 5.0pt |
| 2. FCF Yield 3.90% |
| 3. FCF Margin 0.75% |
| 4. Debt/Equity 5.01 |
| 5. Debt/Ebitda -0.66 |
| 6. ROIC - WACC (= 2.58)% |
| 7. RoE 16.39% |
| 8. Rev. Trend 63.59% |
| 9. EPS Trend -46.04% |
What is the price of NSP shares?
As of December 14, 2025, the stock is trading at USD 38.65 with a total of 699,864 shares traded.
Over the past week, the price has changed by +11.88%, over one month by +16.77%, over three months by -25.72% and over the past year by -51.55%.
Over the past week, the price has changed by +11.88%, over one month by +16.77%, over three months by -25.72% and over the past year by -51.55%.
Is NSP a buy, sell or hold?
Insperity has received a consensus analysts rating of 3.00.
Therefor, it is recommend to hold NSP.
- Strong Buy: 0
- Buy: 1
- Hold: 3
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the NSP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 45 | 16.4% |
| Analysts Target Price | 45 | 16.4% |
| ValueRay Target Price | 35 | -9.4% |
NSP Fundamental Data Overview December 11, 2025
Market Cap USD = 1.30b (1.30b USD * 1.0 USD.USD)
P/E Trailing = 71.5625
P/E Forward = 10.6045
P/S = 0.1917
P/B = 14.8866
P/EG = 1.4178
Beta = 0.474
Revenue TTM = 6.76b USD
EBIT TTM = 54.0m USD
EBITDA TTM = 98.0m USD
Long Term Debt = 369.0m USD (from longTermDebt, last quarter)
Short Term Debt = 19.0m USD (from shortTermDebt, last fiscal year)
Debt = 436.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -65.0m USD (from netDebt column, last quarter)
Enterprise Value = 1.31b USD (1.30b + Debt 436.0m - CCE 422.0m)
Interest Coverage Ratio = 2.16 (Ebit TTM 54.0m / Interest Expense TTM 25.0m)
FCF Yield = 3.90% (FCF TTM 51.0m / Enterprise Value 1.31b)
FCF Margin = 0.75% (FCF TTM 51.0m / Revenue TTM 6.76b)
Net Margin = 0.25% (Net Income TTM 17.0m / Revenue TTM 6.76b)
Gross Margin = 13.84% ((Revenue TTM 6.76b - Cost of Revenue TTM 5.82b) / Revenue TTM)
Gross Margin QoQ = 11.34% (prev 13.45%)
Tobins Q-Ratio = 0.65 (Enterprise Value 1.31b / Total Assets 2.01b)
Interest Expense / Debt = 1.38% (Interest Expense 6.00m / Debt 436.0m)
Taxrate = 16.67% (-4.00m / -24.0m)
NOPAT = 45.0m (EBIT 54.0m * (1 - 16.67%))
Current Ratio = 1.12 (Total Current Assets 1.55b / Total Current Liabilities 1.38b)
Debt / Equity = 5.01 (Debt 436.0m / totalStockholderEquity, last quarter 87.0m)
Debt / EBITDA = -0.66 (Net Debt -65.0m / EBITDA 98.0m)
Debt / FCF = -1.27 (Net Debt -65.0m / FCF TTM 51.0m)
Total Stockholder Equity = 103.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.84% (Net Income 17.0m / Total Assets 2.01b)
RoE = 16.39% (Net Income TTM 17.0m / Total Stockholder Equity 103.8m)
RoCE = 11.42% (EBIT 54.0m / Capital Employed (Equity 103.8m + L.T.Debt 369.0m))
RoIC = 9.52% (NOPAT 45.0m / Invested Capital 472.8m)
WACC = 6.94% (E(1.30b)/V(1.73b) * Re(8.89%) + D(436.0m)/V(1.73b) * Rd(1.38%) * (1-Tc(0.17)))
Discount Rate = 8.89% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.51%
[DCF Debug] Terminal Value 69.43% ; FCFE base≈51.0m ; Y1≈37.6m ; Y5≈21.7m
Fair Price DCF = 9.46 (DCF Value 356.8m / Shares Outstanding 37.7m; 5y FCF grow -31.04% → 3.0% )
EPS Correlation: -46.04 | EPS CAGR: -38.91% | SUE: -1.42 | # QB: 0
Revenue Correlation: 63.59 | Revenue CAGR: 6.29% | SUE: -0.91 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.73 | Chg30d=-0.075 | Revisions Net=-2 | Analysts=4
EPS next Year (2026-12-31): EPS=2.54 | Chg30d=-0.438 | Revisions Net=-3 | Growth EPS=+122.3% | Growth Revenue=+6.4%
P/E Trailing = 71.5625
P/E Forward = 10.6045
P/S = 0.1917
P/B = 14.8866
P/EG = 1.4178
Beta = 0.474
Revenue TTM = 6.76b USD
EBIT TTM = 54.0m USD
EBITDA TTM = 98.0m USD
Long Term Debt = 369.0m USD (from longTermDebt, last quarter)
Short Term Debt = 19.0m USD (from shortTermDebt, last fiscal year)
Debt = 436.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -65.0m USD (from netDebt column, last quarter)
Enterprise Value = 1.31b USD (1.30b + Debt 436.0m - CCE 422.0m)
Interest Coverage Ratio = 2.16 (Ebit TTM 54.0m / Interest Expense TTM 25.0m)
FCF Yield = 3.90% (FCF TTM 51.0m / Enterprise Value 1.31b)
FCF Margin = 0.75% (FCF TTM 51.0m / Revenue TTM 6.76b)
Net Margin = 0.25% (Net Income TTM 17.0m / Revenue TTM 6.76b)
Gross Margin = 13.84% ((Revenue TTM 6.76b - Cost of Revenue TTM 5.82b) / Revenue TTM)
Gross Margin QoQ = 11.34% (prev 13.45%)
Tobins Q-Ratio = 0.65 (Enterprise Value 1.31b / Total Assets 2.01b)
Interest Expense / Debt = 1.38% (Interest Expense 6.00m / Debt 436.0m)
Taxrate = 16.67% (-4.00m / -24.0m)
NOPAT = 45.0m (EBIT 54.0m * (1 - 16.67%))
Current Ratio = 1.12 (Total Current Assets 1.55b / Total Current Liabilities 1.38b)
Debt / Equity = 5.01 (Debt 436.0m / totalStockholderEquity, last quarter 87.0m)
Debt / EBITDA = -0.66 (Net Debt -65.0m / EBITDA 98.0m)
Debt / FCF = -1.27 (Net Debt -65.0m / FCF TTM 51.0m)
Total Stockholder Equity = 103.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.84% (Net Income 17.0m / Total Assets 2.01b)
RoE = 16.39% (Net Income TTM 17.0m / Total Stockholder Equity 103.8m)
RoCE = 11.42% (EBIT 54.0m / Capital Employed (Equity 103.8m + L.T.Debt 369.0m))
RoIC = 9.52% (NOPAT 45.0m / Invested Capital 472.8m)
WACC = 6.94% (E(1.30b)/V(1.73b) * Re(8.89%) + D(436.0m)/V(1.73b) * Rd(1.38%) * (1-Tc(0.17)))
Discount Rate = 8.89% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.51%
[DCF Debug] Terminal Value 69.43% ; FCFE base≈51.0m ; Y1≈37.6m ; Y5≈21.7m
Fair Price DCF = 9.46 (DCF Value 356.8m / Shares Outstanding 37.7m; 5y FCF grow -31.04% → 3.0% )
EPS Correlation: -46.04 | EPS CAGR: -38.91% | SUE: -1.42 | # QB: 0
Revenue Correlation: 63.59 | Revenue CAGR: 6.29% | SUE: -0.91 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.73 | Chg30d=-0.075 | Revisions Net=-2 | Analysts=4
EPS next Year (2026-12-31): EPS=2.54 | Chg30d=-0.438 | Revisions Net=-3 | Growth EPS=+122.3% | Growth Revenue=+6.4%
Additional Sources for NSP Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle