INSPERITY INC (NSP) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:NSP • US45778Q1076

30 USD
-3.66 (-10.87%)
At close: Feb 11, 2026
30.1 USD
+0.1 (+0.33%)
After Hours: 2/11/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

NSP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 89 industry peers in the Professional Services industry. NSP has an average financial health and profitability rating. NSP is valued correctly, but it does not seem to be growing. Finally NSP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year NSP was profitable.
  • NSP had a positive operating cash flow in the past year.
  • NSP had positive earnings in 4 of the past 5 years.
  • Of the past 5 years NSP 4 years had a positive operating cash flow.
NSP Yearly Net Income VS EBIT VS OCF VS FCFNSP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

1.2 Ratios

  • NSP's Return On Assets of 0.84% is in line compared to the rest of the industry. NSP outperforms 49.44% of its industry peers.
  • NSP has a Return On Equity of 19.54%. This is in the better half of the industry: NSP outperforms 71.91% of its industry peers.
  • NSP has a Return On Invested Capital (2.47%) which is in line with its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for NSP is significantly above the industry average of 12.01%.
  • The last Return On Invested Capital (2.47%) for NSP is well below the 3 year average (21.27%), which needs to be investigated, but indicates that NSP had better years and this may not be a problem.
Industry RankSector Rank
ROA 0.84%
ROE 19.54%
ROIC 2.47%
ROA(3y)6.8%
ROA(5y)7.23%
ROE(3y)165.84%
ROE(5y)N/A
ROIC(3y)21.27%
ROIC(5y)21.13%
NSP Yearly ROA, ROE, ROICNSP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2K -2K -4K -6K

1.3 Margins

  • NSP's Profit Margin of 0.25% is in line compared to the rest of the industry. NSP outperforms 46.07% of its industry peers.
  • NSP's Profit Margin has declined in the last couple of years.
  • The Operating Margin of NSP (0.31%) is worse than 62.92% of its industry peers.
  • NSP's Operating Margin has declined in the last couple of years.
  • With a Gross Margin value of 14.00%, NSP is not doing good in the industry: 78.65% of the companies in the same industry are doing better.
  • In the last couple of years the Gross Margin of NSP has remained more or less at the same level.
Industry RankSector Rank
OM 0.31%
PM (TTM) 0.25%
GM 14%
OM growth 3Y-20.09%
OM growth 5Y-16.29%
PM growth 3Y-17.82%
PM growth 5Y-16.76%
GM growth 3Y-1.03%
GM growth 5Y-1.21%
NSP Yearly Profit, Operating, Gross MarginsNSP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), NSP is creating value.
  • NSP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
NSP Yearly Shares OutstandingNSP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
NSP Yearly Total Debt VS Total AssetsNSP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • An Altman-Z score of 4.37 indicates that NSP is not in any danger for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 4.37, NSP belongs to the best of the industry, outperforming 83.15% of the companies in the same industry.
  • NSP has a debt to FCF ratio of 7.24. This is a slightly negative value and a sign of low solvency as NSP would need 7.24 years to pay back of 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 52.81% of its industry peers.
  • NSP has a Debt/Equity ratio of 4.24. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 4.24, NSP is doing worse than 83.15% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.24
Debt/FCF 7.24
Altman-Z 4.37
ROIC/WACC0.3
WACC8.24%
NSP Yearly LT Debt VS Equity VS FCFNSP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

2.3 Liquidity

  • A Current Ratio of 1.12 indicates that NSP should not have too much problems paying its short term obligations.
  • NSP's Current ratio of 1.12 is on the low side compared to the rest of the industry. NSP is outperformed by 65.17% 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.
  • The Quick ratio of NSP (1.12) is worse than 65.17% of its industry peers.
Industry RankSector Rank
Current Ratio 1.12
Quick Ratio 1.12
NSP Yearly Current Assets VS Current LiabilitesNSP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for NSP have decreased strongly by -71.15% in the last year.
  • 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.
EPS 1Y (TTM)-71.15%
EPS 3Y-43.1%
EPS 5Y-25.99%
EPS Q2Q%-1300%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%3.41%

3.2 Future

  • Based on estimates for the next years, NSP will show a very strong growth in Earnings Per Share. The EPS will grow by 85.61% on average per year.
  • NSP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.56% yearly.
EPS Next Y139.07%
EPS Next 2Y85.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.4%
Revenue Next 2Y7.56%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
NSP Yearly Revenue VS EstimatesNSP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B
NSP Yearly EPS VS EstimatesNSP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • NSP is valuated quite expensively with a Price/Earnings ratio of 29.13.
  • Compared to the rest of the industry, the Price/Earnings ratio of NSP is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 28.23, NSP is valued at the same level.
  • Based on the Price/Forward Earnings ratio of 12.18, the valuation of NSP can be described as correct.
  • NSP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NSP is cheaper than 71.91% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of NSP to the average of the S&P500 Index (28.01), we can say NSP is valued rather cheaply.
Industry RankSector Rank
PE 29.13
Fwd PE 12.18
NSP Price Earnings VS Forward Price EarningsNSP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as NSP.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of NSP is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 22.18
EV/EBITDA 18.15
NSP Per share dataNSP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

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.
  • A more expensive valuation may be justified as NSP's earnings are expected to grow with 85.61% in the coming years.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y85.61%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • NSP has a Yearly Dividend Yield of 6.54%, which is a nice return.
  • Compared to an average industry Dividend Yield of 1.43, NSP pays a better dividend. On top of this NSP pays more dividend than 94.38% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.79, NSP pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.54%

5.2 History

  • The dividend of NSP is nicely growing with an annual growth rate of 14.57%!
  • NSP has paid a dividend for at least 10 years, which is 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
NSP Yearly Dividends per shareNSP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

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
NSP Yearly Income VS Free CF VS DividendNSP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
NSP Dividend Payout.NSP Dividend Payout, showing the Payout Ratio.NSP Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

INSPERITY INC

NYSE:NSP (2/11/2026, 8:04:00 PM)

After market: 30.1 +0.1 (+0.33%)

30

-3.66 (-10.87%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-10
Earnings (Next)04-27
Inst Owners103.1%
Inst Owner Change-0.2%
Ins Owners5.24%
Ins Owner Change-0.66%
Market Cap1.13B
Revenue(TTM)N/A
Net Income(TTM)17.00M
Analysts50
Price Target43.61 (45.37%)
Short Float %10.17%
Short Ratio3.31
Dividend
Industry RankSector Rank
Dividend Yield 6.54%
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 RankSector Rank
PE 29.13
Fwd PE 12.18
P/S 0.17
P/FCF 22.18
P/OCF 13.15
P/B 13
P/tB 15.28
EV/EBITDA 18.15
EPS(TTM)1.03
EY3.43%
EPS(NY)2.46
Fwd EY8.21%
FCF(TTM)1.35
FCFY4.51%
OCF(TTM)2.28
OCFY7.6%
SpS179.23
BVpS2.31
TBVpS1.96
PEG (NY)0.21
PEG (5Y)N/A
Graham Number7.31
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 19.54%
ROCE 3.33%
ROIC 2.47%
ROICexc 8.2%
ROICexgc 8.8%
OM 0.31%
PM (TTM) 0.25%
GM 14%
FCFM 0.75%
ROA(3y)6.8%
ROA(5y)7.23%
ROE(3y)165.84%
ROE(5y)N/A
ROIC(3y)21.27%
ROIC(5y)21.13%
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)28.67%
ROCE(5y)28.48%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-20.09%
OM growth 5Y-16.29%
PM growth 3Y-17.82%
PM growth 5Y-16.76%
GM growth 3Y-1.03%
GM growth 5Y-1.21%
F-Score5
Asset Turnover3.36
Health
Industry RankSector 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 4.37
F-Score5
WACC8.24%
ROIC/WACC0.3
Cap/Depr(3y)84.91%
Cap/Depr(5y)130.99%
Cap/Sales(3y)0.57%
Cap/Sales(5y)0.93%
Profit Quality(3y)266.33%
Profit Quality(5y)232.59%
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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%3.41%
Revenue Next Year6.4%
Revenue Next 2Y7.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-86.39%
EBIT growth 3Y-12.27%
EBIT growth 5Y-8.91%
EBIT Next Year-14.25%
EBIT Next 3Y18.11%
EBIT Next 5YN/A
FCF growth 1Y-84.53%
FCF growth 3Y28.47%
FCF growth 5Y26.48%
OCF growth 1Y-76.5%
OCF growth 3Y25.96%
OCF growth 5Y20.44%

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 5 / 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 4 / 10.


Can you provide the financial health for NSP stock?

The financial health rating of INSPERITY INC (NSP) is 4 / 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.