INSPERITY INC (NSP) Stock Fundamental Analysis
NYSE:NSP • US45778Q1076
20.99 USD
-2.31 (-9.91%)
At close: Feb 23, 2026
21.1 USD
+0.11 (+0.52%)
After Hours: 2/23/2026, 7:12:51 PM
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 financial health of NSP have multiple concerns. NSP has a correct valuation and a medium growth rate. NSP also has an excellent dividend rating.
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.
1.2 Ratios
- The Return On Assets of NSP (0.84%) is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 19.54%, NSP is in the better half of the industry, outperforming 70.45% of the companies in the same industry.
- NSP has a Return On Invested Capital of 2.41%. This is in the lower half of the industry: NSP underperforms 61.36% of its industry peers.
| 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
- Looking at the Profit Margin, with a value of 0.25%, NSP is in line with its industry, outperforming 45.45% of the companies in the same industry.
- With a Operating Margin value of 0.31%, NSP is not doing good in the industry: 63.64% of the companies in the same industry are doing better.
- NSP has a worse Gross Margin (14.00%) than 79.55% of its industry peers.
- NSP's Gross Margin has declined in the last couple of years.
| 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NSP is destroying value.
- Compared to 1 year ago, NSP has more shares outstanding
- The number of shares outstanding for NSP has been reduced compared to 5 years ago.
- Compared to 1 year ago, NSP has a worse debt to assets ratio.
2.2 Solvency
- NSP has an Altman-Z score of 4.25. This indicates that NSP is financially healthy and has little risk of bankruptcy at the moment.
- NSP has a Altman-Z score of 4.25. This is in the better half of the industry: NSP outperforms 78.41% 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.
- The Debt to FCF ratio of NSP (7.24) is comparable to the rest of the industry.
- NSP has a Debt/Equity ratio of 4.24. This is a high value indicating a heavy dependency on external financing.
- NSP's Debt to Equity ratio of 4.24 is on the low side compared to the rest of the industry. NSP is outperformed by 85.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.24 | ||
| Debt/FCF | 7.24 | ||
| Altman-Z | 4.25 |
ROIC/WACC0.3
WACC8.07%
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 Current ratio of 1.12. This is in the lower half of the industry: NSP underperforms 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.
- NSP shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -25.99% yearly.
- The Revenue has been growing slightly by 3.51% in the past 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
- The Earnings Per Share is expected to grow by 85.61% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 5.31% on average over the next years.
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. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 20.38, NSP is valued on the expensive side.
- NSP's Price/Earnings ratio is in line with the industry average.
- The average S&P500 Price/Earnings ratio is at 26.64. NSP is valued slightly cheaper when compared to this.
- NSP is valuated reasonably with a Price/Forward Earnings ratio of 8.52.
- Based on the Price/Forward Earnings ratio, NSP is valued a bit cheaper than 79.55% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 27.75. NSP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.38 | ||
| Fwd PE | 8.52 |
4.2 Price Multiples
- NSP's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. NSP is 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 67.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.52 | ||
| EV/EBITDA | 12.14 |
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. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 9.53%, NSP is a good candidate for dividend investing.
- The stock price of NSP dropped by -40.66% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
- Compared to an average industry Dividend Yield of 1.55, NSP pays a better dividend. On top of this NSP pays more dividend than 96.59% of the companies listed in the same industry.
- NSP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.53% |
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.
- 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
- 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
20.99
-2.31 (-9.91%)
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 Cap791.32M
Revenue(TTM)6.81B
Net Income(TTM)17.00M
Analysts50
Price Target43.61 (107.77%)
Short Float %10.2%
Short Ratio3.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.53% |
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)-5%
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 | 20.38 | ||
| Fwd PE | 8.52 | ||
| P/S | 0.12 | ||
| P/FCF | 15.52 | ||
| P/OCF | 9.2 | ||
| P/B | 9.1 | ||
| P/tB | 10.69 | ||
| EV/EBITDA | 12.14 |
EPS(TTM)1.03
EY4.91%
EPS(NY)2.46
Fwd EY11.73%
FCF(TTM)1.35
FCFY6.44%
OCF(TTM)2.28
OCFY10.87%
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 | 4.25 |
F-Score6
WACC8.07%
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 Year1664.74%
EBIT Next 3YN/A
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.