INSPERITY INC (NSP) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:NSP • US45778Q1076

33.66 USD
-3.04 (-8.28%)
At close: Feb 10, 2026
33.35 USD
-0.31 (-0.92%)
After Hours: 2/10/2026, 8:26:42 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, NSP scores 4 out of 10 in our fundamental rating. NSP was compared to 89 industry peers in the Professional Services industry. NSP has an average financial health and profitability rating. NSP is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year NSP was profitable.
  • NSP had a positive operating cash flow in the past year.
  • Each year in the past 5 years NSP has been profitable.
  • Each year in the past 5 years NSP had a positive operating cash flow.
NSP Yearly Net Income VS EBIT VS OCF VS FCFNSP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

1.2 Ratios

  • NSP's Return On Assets of 0.84% is in line compared to the rest of the industry. NSP outperforms 49.44% of its industry peers.
  • NSP's Return On Equity of 19.54% is fine compared to the rest of the industry. NSP outperforms 71.91% 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 41.57% of its industry peers.
  • NSP had an Average Return On Invested Capital over the past 3 years of 21.27%. This is significantly above the industry average of 12.01%.
  • The last Return On Invested Capital (2.47%) for NSP is well below the 3 year average (21.27%), which needs to be investigated, but indicates that NSP had better years and this may not be a problem.
Industry RankSector 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%
NSP Yearly ROA, ROE, ROICNSP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2K -2K -4K -6K

1.3 Margins

  • With a Profit Margin value of 0.25%, NSP perfoms like the industry average, outperforming 46.07% of the companies in the same industry.
  • In the last couple of years the Profit Margin of NSP has declined.
  • NSP has a Operating Margin of 0.31%. This is in the lower half of the industry: NSP underperforms 62.92% 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 78.65% of its industry peers.
  • In the last couple of years the Gross Margin of NSP has remained more or less at the same level.
Industry RankSector 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%
NSP Yearly Profit, Operating, Gross MarginsNSP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • NSP has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • NSP has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, NSP has less shares outstanding
  • NSP has a better debt/assets ratio than last year.
NSP Yearly Shares OutstandingNSP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
NSP Yearly Total Debt VS Total AssetsNSP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • NSP has an Altman-Z score of 4.41. This indicates that NSP is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 4.41, NSP belongs to the top of the industry, outperforming 83.15% 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.
  • With a Debt to FCF ratio value of 7.24, NSP perfoms like the industry average, outperforming 52.81% 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's Debt to Equity ratio of 4.24 is on the low side compared to the rest of the industry. NSP is outperformed by 83.15% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.24
Debt/FCF 7.24
Altman-Z 4.41
ROIC/WACC0.3
WACC8.31%
NSP Yearly LT Debt VS Equity VS FCFNSP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

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 65.17% 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.
  • The Quick ratio of NSP (1.12) is worse than 65.17% of its industry peers.
Industry RankSector Rank
Current Ratio 1.12
Quick Ratio 1.12
NSP Yearly Current Assets VS Current LiabilitesNSP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for NSP have decreased strongly by -60.66% in the last year.
  • NSP shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.87% yearly.
  • 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

  • NSP is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.20% yearly.
  • 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-16.95%
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

  • 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.
NSP Yearly Revenue VS EstimatesNSP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B
NSP Yearly EPS VS EstimatesNSP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 20.04 indicates a rather expensive valuation of NSP.
  • NSP's Price/Earnings ratio is in line with the industry average.
  • NSP is valuated rather cheaply when we compare the Price/Earnings ratio to 28.03, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 13.67 indicates a correct valuation of NSP.
  • Based on the Price/Forward Earnings ratio, NSP is valued a bit cheaper than 65.17% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.97, NSP is valued rather cheaply.
Industry RankSector Rank
PE 20.04
Fwd PE 13.67
NSP Price Earnings VS Forward Price EarningsNSP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as NSP.
Industry RankSector Rank
P/FCF 24.88
EV/EBITDA 19.92
NSP Per share dataNSP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-16.95%
EPS Next 3Y-0.2%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • NSP has a Yearly Dividend Yield of 5.96%, which is a nice return.
  • NSP's Dividend Yield is rather good when compared to the industry average which is at 1.43. NSP pays more dividend than 94.38% of the companies in the same industry.
  • NSP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 5.96%

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
NSP Yearly Dividends per shareNSP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

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-16.95%
EPS Next 3Y-0.2%
NSP Yearly Income VS Free CF VS DividendNSP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
NSP Dividend Payout.NSP Dividend Payout, showing the Payout Ratio.NSP Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

INSPERITY INC

NYSE:NSP (2/10/2026, 8:26:42 PM)

After market: 33.35 -0.31 (-0.92%)

33.66

-3.04 (-8.28%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)11-03
Earnings (Next)02-10
Inst Owners103.1%
Inst Owner Change-0.2%
Ins Owners5.24%
Ins Owner Change-0.66%
Market Cap1.27B
Revenue(TTM)6.76B
Net Income(TTM)17.00M
Analysts50
Price Target43.61 (29.56%)
Short Float %10.17%
Short Ratio3.31
Dividend
Industry RankSector Rank
Dividend Yield 5.96%
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)-2.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-45.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.33%
Valuation
Industry RankSector Rank
PE 20.04
Fwd PE 13.67
P/S 0.19
P/FCF 24.88
P/OCF 14.76
P/B 14.59
P/tB 17.15
EV/EBITDA 19.92
EPS(TTM)1.68
EY4.99%
EPS(NY)2.46
Fwd EY7.32%
FCF(TTM)1.35
FCFY4.02%
OCF(TTM)2.28
OCFY6.78%
SpS179.23
BVpS2.31
TBVpS1.96
PEG (NY)N/A
PEG (5Y)N/A
Graham Number9.34
Profitability
Industry RankSector 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 RankSector 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 4.41
F-Score5
WACC8.31%
ROIC/WACC0.3
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-16.95%
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 3 / 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.