INSPERITY INC (NSP) Stock Fundamental Analysis
NYSE:NSP • US45778Q1076
22.21 USD
-0.73 (-3.18%)
At close: Feb 27, 2026
22.15 USD
-0.06 (-0.27%)
After Hours: 2/27/2026, 8:23:17 PM
NSP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 88 industry peers in the Professional Services industry. NSP has a bad profitability rating. Also its financial health evaluation is rather negative. NSP has a correct valuation and a medium growth rate. Finally NSP also has an excellent dividend rating.
1. Profitability
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.
- NSP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.84%, NSP is in line with its industry, outperforming 45.45% of the companies in the same industry.
- NSP has a better Return On Equity (19.54%) than 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
- With a Profit Margin value of 0.25%, NSP perfoms like the industry average, outperforming 45.45% of the companies in the same industry.
- NSP's Operating Margin of 0.31% is on the low side compared to the rest of the industry. NSP is outperformed by 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. 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
- NSP has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for NSP is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 4.24 indicates that NSP is not in any danger for bankruptcy at the moment.
- NSP has a better Altman-Z score (4.24) than 78.41% 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.
- With a Debt to FCF ratio value of 7.24, NSP perfoms like the industry average, outperforming 50.00% 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.
- Looking at the Debt to Equity ratio, with a value of 4.24, NSP is doing worse than 85.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.24 | ||
| Debt/FCF | 7.24 | ||
| Altman-Z | 4.24 |
ROIC/WACC0.3
WACC7.99%
2.3 Liquidity
- A Current Ratio of 1.12 indicates that NSP should not have too much problems paying its short term obligations.
- NSP has a worse Current ratio (1.12) than 67.05% of its industry peers.
- A Quick Ratio of 1.12 indicates that NSP should not have too much problems paying its short term obligations.
- NSP has a Quick ratio of 1.12. This is in the lower half of the industry: NSP underperforms 67.05% 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 -71.15% in the last year.
- The earnings per share for NSP have been decreasing by -25.99% on average. This is quite bad
- NSP shows a small growth in Revenue. In the last year, the Revenue has grown by 3.51%.
- 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
- The Earnings Per Share is expected to grow by 85.61% on average over the next years. This is a very strong growth
- 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.
- 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 21.56.
- Compared to the rest of the industry, the Price/Earnings ratio of NSP is on the same level as its industry peers.
- When comparing the Price/Earnings ratio of NSP to the average of the S&P500 Index (27.07), we can say NSP is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 9.02, the valuation of NSP can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of NSP indicates a rather cheap valuation: NSP is cheaper than 85.23% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 28.05. NSP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.56 | ||
| Fwd PE | 9.02 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NSP indicates a somewhat cheap valuation: NSP is cheaper than 65.91% of the companies listed in the same industry.
- 69.32% of the companies in the same industry are more expensive than NSP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.42 | ||
| EV/EBITDA | 11.51 |
4.3 Compensation for Growth
- NSP's 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)0.16
PEG (5Y)N/A
EPS Next 2Y85.61%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 10.46%, NSP is a good candidate for dividend investing.
- In the last 3 months the price of NSP has falen by -37.21%. 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
- 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
5.3 Sustainability
- 529.41% of the earnings are spent on dividend by NSP. This is not a sustainable payout ratio.
- NSP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP529.41%
EPS Next 2Y85.61%
EPS Next 3YN/A
22.21
-0.73 (-3.18%)
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 Cap837.32M
Revenue(TTM)6.81B
Net Income(TTM)17.00M
Analysts50
Price Target43.18 (94.42%)
Short Float %10.2%
Short Ratio3.03
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 | 21.56 | ||
| Fwd PE | 9.02 | ||
| P/S | 0.12 | ||
| P/FCF | 16.42 | ||
| P/OCF | 9.74 | ||
| P/B | 9.62 | ||
| P/tB | 11.32 | ||
| EV/EBITDA | 11.51 |
EPS(TTM)1.03
EY4.64%
EPS(NY)2.46
Fwd EY11.09%
FCF(TTM)1.35
FCFY6.09%
OCF(TTM)2.28
OCFY10.27%
SpS179.23
BVpS2.31
TBVpS1.96
PEG (NY)0.16
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 | 4.24 |
F-Score6
WACC7.99%
ROIC/WACC0.3
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.