INSPERITY INC (NSP) Fundamental Analysis & Valuation
NYSE:NSP • US45778Q1076
21.89 USD
+0.48 (+2.24%)
At close: Mar 5, 2026
21.89 USD
0 (0%)
After Hours: 3/5/2026, 6:30:00 PM
This NSP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
NSP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 88 industry peers in the Professional Services industry. Both the profitability and financial health of NSP have multiple concerns. NSP is not valued too expensively and it also shows a decent growth rate. NSP also has an excellent dividend rating.
1. NSP Profitability Analysis
1.1 Basic Checks
- In the past year NSP was profitable.
- In the past year NSP had a positive cash flow from operations.
- 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.
1.2 Ratios
- NSP has a Return On Assets of 0.84%. This is comparable to the rest of the industry: NSP outperforms 45.45% of its industry peers.
- NSP's Return On Equity of 19.54% is fine compared to the rest of the industry. NSP outperforms 70.45% of its industry peers.
- With a Return On Invested Capital value of 2.41%, NSP is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
| 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.
- NSP has a Operating Margin of 0.31%. This is in the lower half of the industry: NSP underperforms 64.77% of its industry peers.
- The Gross Margin of NSP (14.00%) is worse 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. NSP Health Analysis
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
- NSP has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, NSP has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 4.23 indicates that NSP is not in any danger for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 4.23, NSP is in the better half of the industry, outperforming 77.27% 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.
- Looking at the Debt to FCF ratio, with a value of 7.24, NSP is in line with its industry, outperforming 48.86% of the companies in the same 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 85.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.24 | ||
| Debt/FCF | 7.24 | ||
| Altman-Z | 4.23 |
ROIC/WACC0.29
WACC8.21%
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 67.05% 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.
- Looking at the Quick ratio, with a value of 1.12, NSP is doing worse than 67.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 |
3. NSP Growth Analysis
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.
- Looking at the last year, NSP shows a small growth in Revenue. The Revenue has grown by 3.51% in the last year.
- The Revenue has been growing by 9.70% on average over the past years. This is quite good.
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.
- NSP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.31% yearly.
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. NSP Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 21.25, which indicates a rather expensive current valuation of NSP.
- 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 26.74, NSP is valued a bit cheaper.
- The Price/Forward Earnings ratio is 8.89, which indicates a very decent valuation of NSP.
- NSP's Price/Forward Earnings ratio is rather cheap when compared to the industry. NSP is cheaper than 85.23% of the companies in the same industry.
- NSP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.25 | ||
| Fwd PE | 8.89 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, NSP is valued a bit cheaper than 67.05% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, NSP is valued a bit cheaper than the industry average as 67.05% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.18 | ||
| EV/EBITDA | 11.05 |
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)0.15
PEG (5Y)N/A
EPS Next 2Y85.61%
EPS Next 3YN/A
5. NSP Dividend Analysis
5.1 Amount
- NSP has a Yearly Dividend Yield of 10.46%, which is a nice return.
- In the last 3 months the price of NSP has falen by -37.71%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
- NSP's Dividend Yield is rather good when compared to the industry average which is at 1.64. NSP pays more dividend than 97.73% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, NSP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.46% |
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.
- NSP has decreased its dividend 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
NSP Fundamentals: All Metrics, Ratios and Statistics
21.89
+0.48 (+2.24%)
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 Change0.29%
Ins Owners5.24%
Ins Owner Change-0.29%
Market Cap825.25M
Revenue(TTM)6.81B
Net Income(TTM)17.00M
Analysts50
Price Target43.18 (97.26%)
Short Float %9.92%
Short Ratio2.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.46% |
Yearly Dividend2.39
Dividend Growth(5Y)14.57%
DP529.41%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-06 2026-03-06 (0.6)
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)-0.97%
PT rev (3m)-5.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-18.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-3.12%
Revenue NY rev (3m)-2.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.25 | ||
| Fwd PE | 8.89 | ||
| P/S | 0.12 | ||
| P/FCF | 16.18 | ||
| P/OCF | 9.6 | ||
| P/B | 9.49 | ||
| P/tB | 11.15 | ||
| EV/EBITDA | 11.05 |
EPS(TTM)1.03
EY4.71%
EPS(NY)2.46
Fwd EY11.25%
FCF(TTM)1.35
FCFY6.18%
OCF(TTM)2.28
OCFY10.42%
SpS179.23
BVpS2.31
TBVpS1.96
PEG (NY)0.15
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 | 4.23 |
F-Score6
WACC8.21%
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 Year1585.76%
EBIT Next 3Y195.68%
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.