NSP Stock Analysis: Insperity | NYSE

Human Resources, Payroll Processing, Benefits Administration, Talent Management

Total Rating 51

Safety 74

Buy Signal 0.61

Staffing & Employment Services
Industry Rotation: -22.9

Market Cap: 2.04B
Avg Turnover: 18.8M

Risk 3d forecast

Volatility50.2%

VaR 5^th Pctl7.44%

VaR vs Median-7.30%

Reward TTM

Sharpe Ratio0.33

Rel. Str. IBD95.8

Rel. Str. Peer Group85.3

Character TTM

Beta-0.307

Beta Downside-0.247

Hurst Exponent0.623

Drawdowns 3y

Max DD81.52%

CAGR/Max DD-0.19

CAGR/Mean DD-0.43

EPS (Earnings per Share)

EPS CAGR: -57.96%
EPS Trend: -96.3%

Last SUE: 0.58
Qual. Beats: 0

Revenue

Rev. CAGR: 2.58%
Rev. Trend: 98.9%

Last SUE: 1.54
Qual. Beats: 1

Warnings

Interest Coverage Ratio Critical

Tailwinds

Shakeout

Rs Leader

Idiosyncratic Leader

Seasonality 11.7 years of data

Jan -1.9% 8

Feb +6.6% 18

Mar +3.9% 22

Apr +0.8% 17

May +1.4% 5

Jun -0.5% 8

Jul +1.2% 20

Aug -2.3% 33

Sep -3.6% 34

Oct +5.3% 16

Nov -3.9% 0

Dec -1.9% 12

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.

Description: NSP Insperity

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.

Headlines to Watch Out For

Worksite employee count growth drives PEO segment revenue
Rising health insurance costs pressure gross margins
Small business hiring recovery boosts HR outsourcing demand

Piotroski VR-10 (Strict) 3.0

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)

Altman Z'' 1.51

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

Beneish M -2.98

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

What is the price of NSP shares?

As of September 01, 2026, the stock is trading at USD 53.35 with a total of 264,303 shares traded. Over the past week, the price has changed by +2.32%, over one month by +5.41%, over three months by +47.73% and over the past year by +5.52%.

Current recommended Stop Loss: 46.10 (which is 13.6% or 2.8 ATR below the current price).

Is NSP a buy, sell or hold?

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

What are the forecasts/targets for the NSP price?

Analysts Target Price	51.8	-3%

Insperity (NSP) - Fundamental Data Overview as of 01 September 2026

Market Cap USD = 2.04b (2.04b USD * 1.0 USD.USD)
P/E Forward = 25.641
P/S = 0.2976
P/B = 32.4409
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 = 1.96b USD (2.04b + Debt 537.0m - CCE 619.0m)
Interest Coverage Ratio = 0.42 (Ebit TTM 10.0m / Interest Expense TTM 24.0m)
EV/FCF = 7.14x (Enterprise Value 1.96b / FCF TTM 275.0m)
FCF Yield = 14.01% (FCF TTM 275.0m / Enterprise Value 1.96b)
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 = 0.88 (Enterprise Value 1.96b / 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 = 4.62% (E(2.04b)/V(2.58b) * Re(4.90%) + D(537.0m)/V(2.58b) * Rd(4.47%) * (1-Tc(0.20)))
Discount Rate = 4.90% (= 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)