INSPERITY INC (NSP) Fundamental Analysis & Valuation

NYSE:NSP • US45778Q1076

20.535 USD
-1.41 (-6.4%)
Last: Mar 10, 2026, 11:51 AM
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This NSP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

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. Both the profitability and financial health of NSP have multiple concerns. NSP has a correct valuation and a medium growth rate. Finally NSP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. NSP Profitability Analysis

1.1 Basic Checks

  • In the past year NSP was profitable.
  • In the past year NSP has reported a negative cash flow from operations.
  • Of the past 5 years NSP 4 years were profitable.
  • Of the past 5 years NSP 4 years 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 2025 0 200M -200M 400M

1.2 Ratios

  • The Return On Assets of NSP (-0.32%) is comparable to the rest of the industry.
  • With a Return On Equity value of -15.22%, NSP is not doing good in the industry: 67.82% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.32%
ROE -15.22%
ROIC N/A
ROA(3y)3.76%
ROA(5y)5.43%
ROE(3y)87.22%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
NSP Yearly ROA, ROE, ROICNSP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2K -2K -4K -6K

1.3 Margins

  • The Gross Margin of NSP (13.21%) is worse than 80.46% of its industry peers.
  • In the last couple of years the Gross Margin of NSP has declined.
  • NSP does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 13.21%
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%
NSP Yearly Profit, Operating, Gross MarginsNSP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. NSP Health Analysis

2.1 Basic Checks

  • NSP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for NSP has been increased compared to 1 year ago.
  • NSP has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for NSP is higher compared to a year ago.
NSP Yearly Shares OutstandingNSP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • An Altman-Z score of 3.77 indicates that NSP is not in any danger for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 3.77, NSP is in the better half of the industry, outperforming 73.56% of the companies in the same industry.
  • NSP has a Debt/Equity ratio of 8.02. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of NSP (8.02) is worse than 86.21% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.02
Debt/FCF N/A
Altman-Z 3.77
ROIC/WACCN/A
WACC7.66%
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 2025 0 200M -200M 400M

2.3 Liquidity

  • A Current Ratio of 1.06 indicates that NSP should not have too much problems paying its short term obligations.
  • The Current ratio of NSP (1.06) is worse than 73.56% of its industry peers.
  • A Quick Ratio of 1.06 indicates that NSP should not have too much problems paying its short term obligations.
  • With a Quick ratio value of 1.06, NSP is not doing good in the industry: 73.56% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 1.06
Quick Ratio 1.06
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 2025 500M 1B 1.5B 2B

More info and screens

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

4

3. NSP Growth Analysis

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
  • Looking at the last year, NSP shows a small growth in Revenue. The Revenue has grown by 3.51% in the last 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 56.65% 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 Y109.84%
EPS Next 2Y74.13%
EPS Next 3Y56.65%
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.
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 2028 2B 4B 6B 8B
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 2028 1 2 3 4 5

More info and screens

Find the best growth stocksShow best growing peers

5

4. NSP Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 19.94, which indicates a rather expensive current valuation of NSP.
  • NSP's Price/Earnings ratio is in line with the industry average.
  • NSP's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.45.
  • The Price/Forward Earnings ratio is 9.50, which indicates a very decent valuation of NSP.
  • Based on the Price/Forward Earnings ratio, NSP is valued cheaply inside the industry as 80.46% of the companies are valued more expensively.
  • NSP is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.65, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 19.94
Fwd PE 9.5
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

  • NSP's Enterprise Value to EBITDA is on the same level as the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 14.82
NSP Per share dataNSP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100 150

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.
  • NSP's earnings are expected to grow with 56.65% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y74.13%
EPS Next 3Y56.65%

More info and screens

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

7

5. NSP Dividend Analysis

5.1 Amount

  • NSP has a Yearly Dividend Yield of 10.96%, which is a nice return.
  • The stock price of NSP dropped by -43.23% 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.
  • NSP's Dividend Yield is rather good when compared to the industry average which is at 1.65. NSP pays more dividend than 97.70% of the companies in the same industry.
  • NSP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 10.96%

5.2 History

  • On average, the dividend of NSP grows each year by 8.57%, which is quite nice.
  • 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)8.57%
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 2026 1 2 3

5.3 Sustainability

  • NSP has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • The dividend of NSP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-1285.71%
EPS Next 2Y74.13%
EPS Next 3Y56.65%
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 2025 0 200M -200M 400M

More info and screens

Find the best dividend stocksShow peers with best dividend

NSP Fundamentals: All Metrics, Ratios and Statistics

INSPERITY INC

NYSE:NSP (3/10/2026, 11:51:06 AM)

20.535

-1.41 (-6.4%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-10
Earnings (Next)04-27
Inst Owners107.68%
Inst Owner Change0.3%
Ins Owners5.25%
Ins Owner Change7.27%
Market Cap774.79M
Revenue(TTM)6.81B
Net Income(TTM)-7.00M
Analysts50
Price Target43.18 (110.28%)
Short Float %9.92%
Short Ratio2.84
Dividend
Industry RankSector Rank
Dividend Yield 10.96%
Yearly Dividend2.4
Dividend Growth(5Y)8.57%
DP-1285.71%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-06
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-108.18%
Min EPS beat(2)-188.88%
Max EPS beat(2)-27.48%
EPS beat(4)0
Avg EPS beat(4)-69.76%
Min EPS beat(4)-188.88%
Max EPS beat(4)-23.12%
EPS beat(8)4
Avg EPS beat(8)-7.8%
EPS beat(12)7
Avg EPS beat(12)-1.86%
EPS beat(16)11
Avg EPS beat(16)3.78%
Revenue beat(2)0
Avg Revenue beat(2)-1.55%
Min Revenue beat(2)-1.59%
Max Revenue beat(2)-1.52%
Revenue beat(4)0
Avg Revenue beat(4)-1.38%
Min Revenue beat(4)-1.59%
Max Revenue beat(4)-1.17%
Revenue beat(8)0
Avg Revenue beat(8)-1.23%
Revenue beat(12)1
Avg Revenue beat(12)-0.93%
Revenue beat(16)3
Avg Revenue beat(16)-0.86%
PT rev (1m)-0.97%
PT rev (3m)-5.93%
EPS NQ rev (1m)-26.87%
EPS NQ rev (3m)-28.67%
EPS NY rev (1m)-12.22%
EPS NY rev (3m)-15.88%
Revenue NQ rev (1m)-3.53%
Revenue NQ rev (3m)-3.53%
Revenue NY rev (1m)-3.12%
Revenue NY rev (3m)-3.12%
Valuation
Industry RankSector Rank
PE 19.94
Fwd PE 9.5
P/S 0.11
P/FCF N/A
P/OCF N/A
P/B 16.84
P/tB 23.48
EV/EBITDA 14.82
EPS(TTM)1.03
EY5.02%
EPS(NY)2.16
Fwd EY10.53%
FCF(TTM)-8.19
FCFYN/A
OCF(TTM)-7.37
OCFYN/A
SpS180.55
BVpS1.22
TBVpS0.87
PEG (NY)0.18
PEG (5Y)N/A
Graham Number5.32
Profitability
Industry RankSector Rank
ROA -0.32%
ROE -15.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 13.21%
FCFM N/A
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-Score2
Asset Turnover3.09
Health
Industry RankSector Rank
Debt/Equity 8.02
Debt/FCF N/A
Debt/EBITDA 10.54
Cap/Depr 68.89%
Cap/Sales 0.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.06
Quick Ratio 1.06
Altman-Z 3.77
F-Score2
WACC7.66%
ROIC/WACCN/A
Cap/Depr(3y)83.06%
Cap/Depr(5y)81.82%
Cap/Sales(3y)0.55%
Cap/Sales(5y)0.56%
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 Y109.84%
EPS Next 2Y74.13%
EPS Next 3Y56.65%
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-108.55%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1585.76%
EBIT Next 3Y195.68%
EBIT Next 5YN/A
FCF growth 1Y-164.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-153.46%
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 5 / 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 2 / 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 109.84% in the next year.