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
We assign a fundamental rating of 4 out of 10 to NSP. NSP was compared to 88 industry peers in the Professional Services industry. NSP may be in some trouble as it scores bad on both profitability and health. NSP has a decent growth rate and is not valued too expensively. Finally 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.
- NSP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- NSP has a Return On Assets (0.84%) which is comparable to the rest of the industry.
- NSP has a better Return On Equity (19.54%) than 70.45% of its industry peers.
- NSP's Return On Invested Capital of 2.41% is on the low side compared to the rest of the industry. NSP is outperformed by 62.50% 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
- NSP has a Profit Margin of 0.25%. This is comparable to the rest of the industry: NSP outperforms 45.45% of its industry peers.
- 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.
- With a Gross Margin value of 14.00%, NSP is not doing good in the industry: 79.55% of the companies in the same industry are doing better.
- 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
- NSP has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- NSP has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, NSP has less shares outstanding
- 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.
- With a decent Altman-Z score value of 4.24, NSP is doing good in the industry, outperforming 78.41% of the companies in the same industry.
- 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.
- NSP's Debt to FCF ratio of 7.24 is in line compared to the rest of the industry. NSP outperforms 50.00% of its industry peers.
- 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 | 4.24 |
ROIC/WACC0.3
WACC8.11%
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.
- 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.
- 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
- NSP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -71.15%.
- 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
- Based on estimates for the next years, NSP will show a very strong growth in Earnings Per Share. The EPS will grow by 85.61% on average per year.
- 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
- The Price/Earnings ratio is 21.56, which indicates a rather expensive current valuation of NSP.
- The rest of the industry has a similar Price/Earnings ratio as NSP.
- Compared to an average S&P500 Price/Earnings ratio of 27.07, NSP is valued a bit cheaper.
- Based on the Price/Forward Earnings ratio of 9.02, the valuation of NSP can be described as reasonable.
- 85.23% of the companies in the same industry are more expensive than NSP, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, NSP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.56 | ||
| Fwd PE | 9.02 |
4.2 Price Multiples
- 65.91% of the companies in the same industry are more expensive than NSP, based on the Enterprise Value to EBITDA ratio.
- 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
- 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)0.16
PEG (5Y)N/A
EPS Next 2Y85.61%
EPS Next 3YN/A
5. Dividend
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 -37.21%. 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
- 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
- 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
WACC8.11%
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.