INSPERITY INC (NSP) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:NSP - US45778Q1076 - Common Stock
46.58 USD
+0.26 (+0.56%)
Taking everything into account, NSP scores 4 out of 10 in our fundamental rating. NSP was compared to 87 industry peers in the Professional Services industry. NSP has only an average score on both its financial health and profitability. NSP has a expensive valuation and it also scores bad on growth.
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.
- NSP had positive earnings in each of the past 5 years.
- NSP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- NSP has a Return On Assets (0.84%) which is in line with its industry peers.
- NSP has a Return On Equity of 19.54%. This is in the better half of the industry: NSP outperforms 71.26% of its industry peers.
- NSP has a Return On Invested Capital of 2.47%. This is comparable to the rest of the industry: NSP outperforms 40.23% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital 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's Profit Margin of 0.25% is in line compared to the rest of the industry. NSP outperforms 44.83% of its industry peers.
- NSP's Profit Margin has declined in the last couple of years.
- NSP has a worse Operating Margin (0.31%) than 64.37% of its industry peers.
- NSP's Operating Margin has declined in the last couple of years.
- The Gross Margin of NSP (14.00%) is worse than 79.31% of its industry peers.
- NSP's Gross Margin has been stable in the last couple of years.
| 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
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so NSP is creating value.
- The number of shares outstanding for NSP has been reduced compared to 1 year ago.
- Compared to 5 years ago, NSP has less shares outstanding
- Compared to 1 year ago, NSP has an improved debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 4.52 indicates that NSP is not in any danger for bankruptcy at the moment.
- NSP has a Altman-Z score of 4.52. This is amongst the best in the industry. NSP outperforms 82.76% of its industry peers.
- 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.
- With a Debt to FCF ratio value of 7.24, NSP perfoms like the industry average, outperforming 51.72% of the companies in the same industry.
- NSP has a Debt/Equity ratio of 4.24. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 4.24, NSP is not doing good in the industry: 83.91% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.24 | ||
| Debt/FCF | 7.24 | ||
| Altman-Z | 4.52 |
ROIC/WACC0.29
WACC8.39%
2.3 Liquidity
- A Current Ratio of 1.12 indicates that NSP should not have too much problems paying its short term obligations.
- With a Current ratio value of 1.12, NSP is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
- A Quick Ratio of 1.12 indicates that NSP should not have too much problems paying its short term obligations.
- NSP has a worse Quick ratio (1.12) than 66.67% of its industry peers.
| 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 -60.66%.
- 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.
- The Revenue has been growing slightly by 3.19% in the past year.
- 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.
- NSP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.34% yearly.
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
- NSP is valuated quite expensively with a Price/Earnings ratio of 27.73.
- 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 27.54. NSP is around the same levels.
- The Price/Forward Earnings ratio is 18.13, which indicates a rather expensive current valuation of NSP.
- Based on the Price/Forward Earnings ratio, NSP is valued a bit cheaper than the industry average as 60.92% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of NSP to the average of the S&P500 Index (24.31), we can say NSP is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.73 | ||
| Fwd PE | 18.13 |
4.2 Price Multiples
- NSP's Enterprise Value to EBITDA ratio is in line with the industry average.
- NSP's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.43 | ||
| EV/EBITDA | 25.5 |
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
- With a Yearly Dividend Yield of 5.47%, NSP is a good candidate for dividend investing.
- NSP's Dividend Yield is rather good when compared to the industry average which is at 1.48. NSP pays more dividend than 94.25% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.92, NSP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.47% |
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.
- 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.
- NSP's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP529.41%
EPS Next 2Y-15.16%
EPS Next 3Y-0.2%
NYSE:NSP (1/16/2026, 10:47:20 AM)
46.58
+0.26 (+0.56%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)11-03 2025-11-03/amc
Earnings (Next)02-05 2026-02-05/bmo
Inst Owners103.1%
Inst Owner Change-0.06%
Ins Owners5.24%
Ins Owner Change0.17%
Market Cap1.76B
Revenue(TTM)6.76B
Net Income(TTM)17.00M
Analysts50
Price Target45.9 (-1.46%)
Short Float %10.47%
Short Ratio3.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.47% |
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)0%
PT rev (3m)-25%
EPS NQ rev (1m)-2.42%
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 | 34.43 | ||
| P/OCF | 20.42 | ||
| P/B | 20.18 | ||
| P/tB | 23.73 | ||
| EV/EBITDA | 25.5 |
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 | 4.52 |
F-Score5
WACC8.39%
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.