INSPERITY INC (NSP) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:NSP - US45778Q1076 - Common Stock
46.59 USD
+0.27 (+0.58%)
38.23 USD
-8.36 (-17.94%)
NSP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 87 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 does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- In the past year NSP was profitable.
- In the past year NSP had a positive cash flow from operations.
- NSP had positive earnings in each of the past 5 years.
- NSP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- NSP has a Return On Assets (0.84%) which is in line with its industry peers.
- Looking at the Return On Equity, with a value of 19.54%, NSP is in the better half of the industry, outperforming 71.26% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 2.47%, NSP is in line with its industry, outperforming 40.23% of the companies in the same industry.
- NSP had an Average Return On Invested Capital over the past 3 years of 21.27%. This is significantly above the industry average of 11.85%.
- 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 Rank | Sector 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%
1.3 Margins
- NSP has a Profit Margin (0.25%) which is in line with its industry peers.
- NSP's Profit Margin has declined in the last couple of years.
- The Operating Margin of NSP (0.31%) is worse than 64.37% of its industry peers.
- NSP's Operating Margin has declined in the last couple of years.
- With a Gross Margin value of 14.00%, NSP is not doing good in the industry: 79.31% of the companies in the same industry are doing better.
- NSP's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
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.
- The number of shares outstanding for NSP has been reduced compared to 1 year ago.
- Compared to 5 years ago, NSP has less shares outstanding
- NSP has a better debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 4.52 indicates that NSP is not in any danger for bankruptcy at the moment.
- With an excellent Altman-Z score value of 4.52, NSP belongs to the best of the industry, outperforming 82.76% 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 has a Debt to FCF ratio (7.24) which is comparable to the rest of the industry.
- A Debt/Equity ratio of 4.24 is on the high side and indicates that NSP has dependencies on debt financing.
- With a Debt to Equity ratio value of 4.24, NSP is not doing good in the industry: 83.91% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.24 | ||
| Debt/FCF | 7.24 | ||
| Altman-Z | 4.52 |
ROIC/WACC0.29
WACC8.47%
2.3 Liquidity
- NSP has a Current 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 Current ratio (1.12) than 66.67% 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's Quick ratio of 1.12 is on the low side compared to the rest of the industry. NSP is outperformed by 66.67% 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 -60.66%.
- 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%.
- Measured over the past years, NSP shows a quite strong growth in Revenue. The Revenue has been growing by 8.81% on average per year.
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-15.16%
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- NSP is valuated quite expensively with a Price/Earnings ratio of 27.73.
- NSP's Price/Earnings ratio is in line with the industry average.
- When comparing the Price/Earnings ratio of NSP to the average of the S&P500 Index (27.47), we can say NSP is valued inline with the index average.
- NSP is valuated rather expensively with a Price/Forward Earnings ratio of 18.13.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of NSP indicates a somewhat cheap valuation: NSP is cheaper than 60.92% of the companies listed in the same industry.
- NSP is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.73 | ||
| Fwd PE | 18.13 |
4.2 Price Multiples
- NSP's Enterprise Value to EBITDA ratio is in line with the industry average.
- The rest of the industry has a similar Price/Free Cash Flow ratio as NSP.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.44 | ||
| EV/EBITDA | 25.5 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-15.16%
EPS Next 3Y-0.2%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.18%, NSP is a good candidate for dividend investing.
- NSP's Dividend Yield is rather good when compared to the industry average which is at 1.48. NSP pays more dividend than 94.25% of the companies in the same industry.
- NSP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.18% |
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.
- The dividend of NSP decreased in the last 3 years.
Dividend Growth(5Y)14.57%
Div Incr Years2
Div Non Decr Years2
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-15.16%
EPS Next 3Y-0.2%
46.59
+0.27 (+0.58%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)11-03 2025-11-03/amc
Earnings (Next)02-09 2026-02-09/bmo
Inst Owners103.1%
Inst Owner Change-0.06%
Ins Owners5.24%
Ins Owner Change0.17%
Market Cap1.76B
Revenue(TTM)6.76B
Net Income(TTM)17.00M
Analysts50
Price Target43.61 (-6.4%)
Short Float %10.47%
Short Ratio3.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.18% |
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)-25%
EPS NQ rev (1m)-2.42%
EPS NQ rev (3m)-709.15%
EPS NY rev (1m)-14.5%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.73 | ||
| Fwd PE | 18.13 | ||
| P/S | 0.26 | ||
| P/FCF | 34.44 | ||
| P/OCF | 20.42 | ||
| P/B | 20.19 | ||
| P/tB | 23.74 | ||
| EV/EBITDA | 25.5 |
EPS(TTM)1.68
EY3.61%
EPS(NY)2.57
Fwd EY5.52%
FCF(TTM)1.35
FCFY2.9%
OCF(TTM)2.28
OCFY4.9%
SpS179.23
BVpS2.31
TBVpS1.96
PEG (NY)N/A
PEG (5Y)N/A
Graham Number9.34
Profitability
| Industry Rank | Sector 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 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 | 4.52 |
F-Score5
WACC8.47%
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-15.16%
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 2 / 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.