INSPERITY INC (NSP) Stock Fundamental Analysis

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

40.28 USD
-0.53 (-1.3%)
At close: Feb 5, 2026
40.28 USD
0 (0%)
After Hours: 2/5/2026, 7:46:24 PM
Fundamental Rating

4

NSP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 89 industry peers in the Professional Services industry. Both the profitability and the financial health of NSP get a neutral evaluation. Nothing too spectacular is happening here. 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.
  • In the past 5 years NSP always reported a positive cash flow from operatings.
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

  • The Return On Assets of NSP (0.84%) is comparable to the rest of the industry.
  • 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 (2.47%) which is comparable to the rest of the industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for NSP is significantly above the industry average of 12.00%.
  • The 3 year average ROIC (21.27%) for NSP is well above the current ROIC(2.47%). The reason for the recent decline needs to be investigated.
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

  • Looking at the Profit Margin, with a value of 0.25%, NSP is in line with its industry, 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 worse Operating Margin (0.31%) than 62.92% of its industry peers.
  • In the last couple of years the Operating Margin of NSP has declined.
  • NSP has a Gross Margin of 14.00%. This is in the lower half of the industry: NSP underperforms 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so NSP is creating value.
  • NSP has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, NSP has less shares outstanding
  • The debt/assets ratio for NSP has been reduced compared to a year ago.
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 4.46. This indicates that NSP is financially healthy and has little risk of bankruptcy at the moment.
  • NSP has a Altman-Z score of 4.46. This is amongst the best in the industry. NSP outperforms 84.27% 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.
  • NSP has a Debt to FCF ratio (7.24) which is in line with its industry peers.
  • 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 83.15% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.24
Debt/FCF 7.24
Altman-Z 4.46
ROIC/WACC0.29
WACC8.44%
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.
  • NSP has a worse Quick ratio (1.12) 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

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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.
  • Measured over the past years, NSP shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.87% on average per year.
  • The Revenue has been growing slightly by 3.19% in the past year.
  • The Revenue has been growing by 8.81% on average over the past years. This is quite good.
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.
  • Based on estimates for the next years, NSP will show a small growth in Revenue. The Revenue will grow by 6.34% on average per year.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 23.98, which indicates a rather expensive current valuation of NSP.
  • NSP's Price/Earnings is on the same level as the industry average.
  • NSP is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 16.36, NSP is valued correctly.
  • 60.67% of the companies in the same industry are more expensive than NSP, based on the Price/Forward Earnings ratio.
  • NSP's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.20.
Industry RankSector Rank
PE 23.98
Fwd PE 16.36
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 ratio is in line with the industry average.
  • NSP's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 29.78
EV/EBITDA 22.3
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

  • With a Yearly Dividend Yield of 5.87%, NSP is a good candidate for dividend investing.
  • NSP's Dividend Yield is rather good when compared to the industry average which is at 1.46. NSP pays more dividend than 93.26% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, NSP pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.87%

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
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

  • 529.41% of the earnings are spent on dividend by NSP. This is not a sustainable payout ratio.
  • The Dividend Rate of NSP has been growing, while earnings will be declining. 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 (2/5/2026, 7:46:24 PM)

After market: 40.28 0 (0%)

40.28

-0.53 (-1.3%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)11-03
Earnings (Next)02-05
Inst Owners103.1%
Inst Owner Change-1.19%
Ins Owners5.24%
Ins Owner Change0.17%
Market Cap1.52B
Revenue(TTM)6.76B
Net Income(TTM)17.00M
Analysts50
Price Target43.61 (8.27%)
Short Float %10.17%
Short Ratio3.31
Dividend
Industry RankSector Rank
Dividend Yield 5.87%
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)-709.15%
EPS NY rev (1m)0%
EPS NY rev (3m)-45.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.82%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.33%
Valuation
Industry RankSector Rank
PE 23.98
Fwd PE 16.36
P/S 0.22
P/FCF 29.78
P/OCF 17.66
P/B 17.45
P/tB 20.52
EV/EBITDA 22.3
EPS(TTM)1.68
EY4.17%
EPS(NY)2.46
Fwd EY6.11%
FCF(TTM)1.35
FCFY3.36%
OCF(TTM)2.28
OCFY5.66%
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 4.46
F-Score5
WACC8.44%
ROIC/WACC0.29
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.