INSPERITY INC (NSP) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:NSP - US45778Q1076 - Common Stock
46.59 USD
+0.27 (+0.58%)
38.23 USD
-8.36 (-17.94%)
We assign a fundamental rating of 4 out of 10 to NSP. NSP was compared to 88 industry peers in the Professional Services industry. Both the profitability and the financial health of NSP get a neutral evaluation. Nothing too spectacular is happening here. NSP is valued expensive and it does not seem to be growing.
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.
- Each year in the past 5 years NSP has been profitable.
- In the past 5 years NSP always reported a positive cash flow from operatings.
1.2 Ratios
- NSP has a Return On Assets of 0.84%. This is comparable to the rest of the industry: NSP outperforms 48.86% of its industry peers.
- NSP has a Return On Equity of 19.54%. This is in the better half of the industry: NSP outperforms 71.59% of its industry peers.
- NSP has a Return On Invested Capital (2.47%) which is in line with its industry peers.
- The Average Return On Invested Capital over the past 3 years for NSP is significantly above the industry average of 11.85%.
- The 3 year average ROIC (21.27%) for NSP is well above the current ROIC(2.47%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector 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%
1.3 Margins
- NSP has a Profit Margin (0.25%) which is in line with its industry peers.
- NSP's Profit Margin has declined in the last couple of years.
- Looking at the Operating Margin, with a value of 0.31%, NSP is doing worse than 63.64% of the companies in the same industry.
- NSP's Operating Margin has declined in the last couple of years.
- Looking at the Gross Margin, with a value of 14.00%, NSP is doing worse than 78.41% of the companies in the same industry.
- In the last couple of years the Gross Margin of NSP has remained more or less at the same level.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), NSP is creating value.
- Compared to 1 year ago, NSP has less shares outstanding
- The number of shares outstanding for NSP has been reduced compared to 5 years ago.
- The debt/assets ratio for NSP has been reduced compared to a year ago.
2.2 Solvency
- NSP has an Altman-Z score of 4.53. This indicates that NSP is financially healthy and has little risk of bankruptcy at the moment.
- NSP has a Altman-Z score of 4.53. This is amongst the best in the industry. NSP outperforms 82.95% of its industry peers.
- 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 has a Debt to FCF ratio (7.24) which is comparable to the rest of the industry.
- A Debt/Equity ratio of 4.24 is on the high side and indicates that NSP has dependencies on debt financing.
- NSP has a Debt to Equity ratio of 4.24. This is amonst the worse of the industry: NSP underperforms 82.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.24 | ||
| Debt/FCF | 7.24 | ||
| Altman-Z | 4.53 |
ROIC/WACC0.29
WACC8.47%
2.3 Liquidity
- A Current Ratio of 1.12 indicates that NSP should not have too much problems paying its short term obligations.
- Looking at the Current ratio, with a value of 1.12, NSP is doing worse than 65.91% of the companies in the same industry.
- 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.
- NSP has a Quick ratio of 1.12. This is in the lower half of the industry: NSP underperforms 65.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
- The earnings per share for NSP have decreased strongly by -60.66% in the last year.
- Measured over the past years, NSP shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.87% on average per year.
- NSP shows a small growth in Revenue. In the last year, the Revenue has grown by 3.19%.
- NSP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.81% yearly.
EPS 1Y (TTM)-60.66%
EPS 3Y-3.4%
EPS 5Y-2.87%
EPS Q2Q%-151.28%
Revenue 1Y (TTM)3.19%
Revenue growth 3Y9.79%
Revenue growth 5Y8.81%
Sales Q2Q%3.97%
3.2 Future
- The Earnings Per Share is expected to decrease by -0.20% on average over the next years.
- Based on estimates for the next years, NSP will show a small growth in Revenue. The Revenue will grow by 6.34% on average per year.
EPS Next Y-67.63%
EPS Next 2Y-15.16%
EPS Next 3Y-0.2%
EPS Next 5YN/A
Revenue Next Year3.92%
Revenue Next 2Y5.15%
Revenue Next 3Y6.34%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 27.73, NSP can be considered very expensive at the moment.
- Compared to the rest of the industry, the Price/Earnings ratio of NSP is on the same level as its industry peers.
- The average S&P500 Price/Earnings ratio is at 27.38. NSP is around the same levels.
- Based on the Price/Forward Earnings ratio of 18.13, the valuation of NSP can be described as rather expensive.
- NSP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NSP is cheaper than 61.36% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, NSP is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.73 | ||
| Fwd PE | 18.13 |
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.
- NSP's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.44 | ||
| EV/EBITDA | 25.65 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-15.16%
EPS Next 3Y-0.2%
5. Dividend
5.1 Amount
- NSP has a Yearly Dividend Yield of 5.18%, which is a nice return.
- Compared to an average industry Dividend Yield of 1.41, NSP pays a better dividend. On top of this NSP pays more dividend than 94.32% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.85, NSP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.18% |
5.2 History
- On average, the dividend of NSP grows each year by 14.57%, which is quite nice.
- 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
5.3 Sustainability
- NSP pays out 529.41% of its income as dividend. This is not a sustainable payout ratio.
- The Dividend Rate of NSP has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP529.41%
EPS Next 2Y-15.16%
EPS Next 3Y-0.2%
46.59
+0.27 (+0.58%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)11-03 2025-11-03/amc
Earnings (Next)02-09 2026-02-09/bmo
Inst Owners103.1%
Inst Owner Change-0.27%
Ins Owners5.24%
Ins Owner Change0.17%
Market Cap1.76B
Revenue(TTM)6.76B
Net Income(TTM)17.00M
Analysts50
Price Target43.61 (-6.4%)
Short Float %10.47%
Short Ratio3.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.18% |
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)-709.15%
EPS NY rev (1m)-14.5%
EPS NY rev (3m)-45.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.82%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.73 | ||
| Fwd PE | 18.13 | ||
| P/S | 0.26 | ||
| P/FCF | 34.44 | ||
| P/OCF | 20.42 | ||
| P/B | 20.19 | ||
| P/tB | 23.74 | ||
| EV/EBITDA | 25.65 |
EPS(TTM)1.68
EY3.61%
EPS(NY)2.57
Fwd EY5.52%
FCF(TTM)1.35
FCFY2.9%
OCF(TTM)2.28
OCFY4.9%
SpS179.23
BVpS2.31
TBVpS1.96
PEG (NY)N/A
PEG (5Y)N/A
Graham Number9.34
Profitability
| Industry Rank | Sector 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 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 | 4.53 |
F-Score5
WACC8.47%
ROIC/WACC0.29
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)-60.66%
EPS 3Y-3.4%
EPS 5Y-2.87%
EPS Q2Q%-151.28%
EPS Next Y-67.63%
EPS Next 2Y-15.16%
EPS Next 3Y-0.2%
EPS Next 5YN/A
Revenue 1Y (TTM)3.19%
Revenue growth 3Y9.79%
Revenue growth 5Y8.81%
Sales Q2Q%3.97%
Revenue Next Year3.92%
Revenue Next 2Y5.15%
Revenue Next 3Y6.34%
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 2 / 10 to INSPERITY INC (NSP). This can be considered as Overvalued.
Can you provide the profitability details for INSPERITY INC?
INSPERITY INC (NSP) has a profitability rating of 5 / 10.
Can you provide the financial health for NSP stock?
The financial health rating of INSPERITY INC (NSP) is 5 / 10.
Can you provide the expected EPS growth for NSP stock?
The Earnings per Share (EPS) of INSPERITY INC (NSP) is expected to decline by -67.63% in the next year.