INSPERITY INC (NSP) Stock Fundamental Analysis
NYSE:NSP • US45778Q1076
24.48 USD
-0.71 (-2.82%)
Last: Feb 20, 2026, 10:29 AM
Taking everything into account, NSP scores 4 out of 10 in our fundamental rating. NSP was compared to 88 industry peers in the Professional Services industry. Both the profitability and financial health of NSP have multiple concerns. NSP has a correct valuation and a medium growth rate. NSP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- NSP had positive earnings in the past year.
- In the past year NSP had a positive cash flow from operations.
- Of the past 5 years NSP 4 years were profitable.
- Of the past 5 years NSP 4 years had a positive operating cash flow.
1.2 Ratios
- NSP's Return On Assets of 0.84% is in line compared to the rest of the industry. NSP outperforms 45.45% of its industry peers.
- Looking at the Return On Equity, with a value of 19.54%, NSP is in the better half of the industry, outperforming 70.45% of the companies in the same industry.
- The Return On Invested Capital of NSP (2.41%) is worse than 60.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 19.54% | ||
| ROIC | 2.41% |
ROA(3y)3.76%
ROA(5y)5.43%
ROE(3y)87.22%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of NSP (0.25%) is comparable to the rest of the industry.
- With a Operating Margin value of 0.31%, NSP is not doing good in the industry: 64.77% of the companies in the same industry are doing better.
- NSP has a worse Gross Margin (14.00%) than 79.55% of its industry peers.
- In the last couple of years the Gross Margin of NSP has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 0.31% | ||
| PM (TTM) | 0.25% | ||
| GM | 14% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-8.11%
GM growth 5Y-6.83%
2. Health
2.1 Basic Checks
- NSP has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 1 year ago, NSP has more shares outstanding
- The number of shares outstanding for NSP has been reduced compared to 5 years ago.
- The debt/assets ratio for NSP is higher compared to a year ago.
2.2 Solvency
- NSP has an Altman-Z score of 4.27. This indicates that NSP is financially healthy and has little risk of bankruptcy at the moment.
- With a decent Altman-Z score value of 4.27, NSP is doing good in the industry, outperforming 78.41% of the companies in the same industry.
- The Debt to FCF ratio of NSP is 7.24, which is on the high side as it means it would take NSP, 7.24 years of fcf income to pay off all of its debts.
- NSP's Debt to FCF ratio of 7.24 is in line compared to the rest of the industry. NSP outperforms 51.14% of its industry peers.
- A Debt/Equity ratio of 4.24 is on the high side and indicates that NSP has dependencies on debt financing.
- The Debt to Equity ratio of NSP (4.24) is worse than 85.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.24 | ||
| Debt/FCF | 7.24 | ||
| Altman-Z | 4.27 |
ROIC/WACC0.29
WACC8.3%
2.3 Liquidity
- NSP has a Current Ratio of 1.12. This is a normal value and indicates that NSP is financially healthy and should not expect problems in meeting its short term obligations.
- The Current ratio of NSP (1.12) is worse than 67.05% of its industry peers.
- NSP has a Quick Ratio of 1.12. This is a normal value and indicates that NSP is financially healthy and should not expect problems in meeting its short term obligations.
- With a Quick ratio value of 1.12, NSP is not doing good in the industry: 67.05% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
- NSP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -71.15%.
- Measured over the past years, NSP shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -25.99% on average per year.
- Looking at the last year, NSP shows a small growth in Revenue. The Revenue has grown by 3.51% in the last year.
- NSP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.70% yearly.
EPS 1Y (TTM)-71.15%
EPS 3Y-43.1%
EPS 5Y-25.99%
EPS Q2Q%-1300%
Revenue 1Y (TTM)3.51%
Revenue growth 3Y4.68%
Revenue growth 5Y9.7%
Sales Q2Q%3.41%
3.2 Future
- NSP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 85.61% yearly.
- Based on estimates for the next years, NSP will show a small growth in Revenue. The Revenue will grow by 5.31% on average per year.
EPS Next Y139.07%
EPS Next 2Y85.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.08%
Revenue Next 2Y4.25%
Revenue Next 3Y5.31%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- NSP is valuated rather expensively with a Price/Earnings ratio of 23.77.
- NSP's Price/Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 27.09, NSP is valued at the same level.
- Based on the Price/Forward Earnings ratio of 9.94, the valuation of NSP can be described as reasonable.
- Based on the Price/Forward Earnings ratio, NSP is valued a bit cheaper than the industry average as 79.55% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of NSP to the average of the S&P500 Index (27.98), we can say NSP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.77 | ||
| Fwd PE | 9.94 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NSP is on the same level as its industry peers.
- Based on the Price/Free Cash Flow ratio, NSP is valued a bit cheaper than the industry average as 65.91% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.1 | ||
| EV/EBITDA | 13.24 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- NSP's earnings are expected to grow with 85.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y85.61%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 9.33%, NSP is a good candidate for dividend investing.
- The stock price of NSP dropped by -26.90% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
- Compared to an average industry Dividend Yield of 1.59, NSP pays a better dividend. On top of this NSP pays more dividend than 96.59% of the companies listed in the same industry.
- NSP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.33% |
5.2 History
- On average, the dividend of NSP grows each year by 14.57%, which is quite nice.
- NSP has been paying a dividend for at least 10 years, so it has a reliable track record.
- The dividend of NSP decreased in the last 3 years.
Dividend Growth(5Y)14.57%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
- NSP pays out 529.41% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of NSP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP529.41%
EPS Next 2Y85.61%
EPS Next 3YN/A
NYSE:NSP (2/20/2026, 10:29:11 AM)
24.48
-0.71 (-2.82%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-10 2026-02-10/amc
Earnings (Next)04-27 2026-04-27
Inst Owners103.1%
Inst Owner Change0.94%
Ins Owners5.24%
Ins Owner Change-0.86%
Market Cap922.90M
Revenue(TTM)6.81B
Net Income(TTM)17.00M
Analysts50
Price Target43.61 (78.15%)
Short Float %10.2%
Short Ratio3.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.33% |
Yearly Dividend2.39
Dividend Growth(5Y)14.57%
DP529.41%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-114.22%
Min EPS beat(2)-188.88%
Max EPS beat(2)-39.57%
EPS beat(4)1
Avg EPS beat(4)-19.14%
Min EPS beat(4)-188.88%
Max EPS beat(4)175.03%
EPS beat(8)5
Avg EPS beat(8)-2.47%
EPS beat(12)8
Avg EPS beat(12)3.03%
EPS beat(16)11
Avg EPS beat(16)2.08%
Revenue beat(2)0
Avg Revenue beat(2)-1.38%
Min Revenue beat(2)-1.52%
Max Revenue beat(2)-1.25%
Revenue beat(4)0
Avg Revenue beat(4)-0.98%
Min Revenue beat(4)-1.52%
Max Revenue beat(4)0%
Revenue beat(8)0
Avg Revenue beat(8)-1.17%
Revenue beat(12)1
Avg Revenue beat(12)-0.97%
Revenue beat(16)4
Avg Revenue beat(16)-0.54%
PT rev (1m)-5%
PT rev (3m)-28.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-45.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.77 | ||
| Fwd PE | 9.94 | ||
| P/S | 0.14 | ||
| P/FCF | 18.1 | ||
| P/OCF | 10.73 | ||
| P/B | 10.61 | ||
| P/tB | 12.47 | ||
| EV/EBITDA | 13.24 |
EPS(TTM)1.03
EY4.21%
EPS(NY)2.46
Fwd EY10.06%
FCF(TTM)1.35
FCFY5.53%
OCF(TTM)2.28
OCFY9.32%
SpS179.23
BVpS2.31
TBVpS1.96
PEG (NY)0.17
PEG (5Y)N/A
Graham Number7.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 19.54% | ||
| ROCE | 3.33% | ||
| ROIC | 2.41% | ||
| ROICexc | 7.98% | ||
| ROICexgc | 8.57% | ||
| OM | 0.31% | ||
| PM (TTM) | 0.25% | ||
| GM | 14% | ||
| FCFM | 0.75% |
ROA(3y)3.76%
ROA(5y)5.43%
ROE(3y)87.22%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-8.11%
GM growth 5Y-6.83%
F-Score6
Asset Turnover3.36
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.24 | ||
| Debt/FCF | 7.24 | ||
| Debt/EBITDA | 5.68 | ||
| Cap/Depr | 79.55% | ||
| Cap/Sales | 0.52% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 132.31% | ||
| Profit Quality | 300% | ||
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 | ||
| Altman-Z | 4.27 |
F-Score6
WACC8.3%
ROIC/WACC0.29
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-71.15%
EPS 3Y-43.1%
EPS 5Y-25.99%
EPS Q2Q%-1300%
EPS Next Y139.07%
EPS Next 2Y85.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.51%
Revenue growth 3Y4.68%
Revenue growth 5Y9.7%
Sales Q2Q%3.41%
Revenue Next Year3.08%
Revenue Next 2Y4.25%
Revenue Next 3Y5.31%
Revenue Next 5YN/A
EBIT growth 1Y-86.39%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1664.74%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y161.13%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y310.72%
OCF growth 3YN/A
OCF growth 5YN/A
INSPERITY INC / NSP FAQ
What is the ChartMill fundamental rating of INSPERITY INC (NSP) stock?
ChartMill assigns a fundamental rating of 4 / 10 to NSP.
Can you provide the valuation status for INSPERITY INC?
ChartMill assigns a valuation rating of 6 / 10 to INSPERITY INC (NSP). This can be considered as Fairly Valued.
Can you provide the profitability details for INSPERITY INC?
INSPERITY INC (NSP) has a profitability rating of 3 / 10.
Can you provide the financial health for NSP stock?
The financial health rating of INSPERITY INC (NSP) is 3 / 10.
Can you provide the expected EPS growth for NSP stock?
The Earnings per Share (EPS) of INSPERITY INC (NSP) is expected to grow by 139.07% in the next year.