INSPERITY INC (NSP) Stock Fundamental Analysis

NYSE:NSP • US45778Q1076

25.68 USD
-0.24 (-0.93%)
At close: Feb 13, 2026
25.56 USD
-0.12 (-0.47%)
After Hours: 2/13/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to NSP. NSP was compared to 89 industry peers in the Professional Services industry. NSP has an average financial health and profitability rating. NSP is valued correctly, but it does not seem to be growing. Finally NSP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • NSP had positive earnings in the past year.
  • NSP had a positive operating cash flow in the past year.
  • NSP had positive earnings in 4 of the past 5 years.
  • 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 100M 200M 300M 400M 500M

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 71.91% of the companies in the same industry.
  • The Return On Invested Capital of NSP (2.47%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for NSP 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

  • NSP has a Profit Margin (0.25%) which is comparable to the rest of the industry.
  • NSP's Profit Margin has declined in the last couple of years.
  • 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.
  • With a Gross Margin value of 14.00%, NSP is not doing good in the industry: 78.65% of the companies in the same industry are doing better.
  • NSP's Gross Margin has been stable in the last couple of years.
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

4

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.
  • There is no outstanding debt for NSP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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

  • An Altman-Z score of 4.28 indicates that NSP is not in any danger for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 4.28, NSP belongs to the best of the industry, outperforming 82.02% 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.
  • 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 4.28
ROIC/WACC0.3
WACC8.13%
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.
  • With a Current ratio value of 1.12, NSP is not doing good in the industry: 65.17% of the companies in the same industry are doing better.
  • A Quick Ratio of 1.12 indicates that NSP should not have too much problems paying 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

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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

  • 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
EPS 1Y (TTM)-71.15%
EPS 3Y-43.1%
EPS 5Y-25.99%
EPS Q2Q%-1300%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 7.56% on average over the next years.
EPS Next Y139.07%
EPS Next 2Y85.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.4%
Revenue Next 2Y7.56%
Revenue Next 3YN/A
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.
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

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 24.93, NSP is valued on the expensive side.
  • NSP's Price/Earnings ratio is in line with the industry average.
  • NSP's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.97.
  • NSP is valuated reasonably with a Price/Forward Earnings ratio of 10.43.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NSP indicates a somewhat cheap valuation: NSP is cheaper than 75.28% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of NSP to the average of the S&P500 Index (27.96), we can say NSP is valued rather cheaply.
Industry RankSector Rank
PE 24.93
Fwd PE 10.43
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.
  • Based on the Price/Free Cash Flow ratio, NSP is valued a bit cheaper than the industry average as 62.92% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 18.98
EV/EBITDA 13.66
NSP Per share dataNSP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • NSP's 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)0.18
PEG (5Y)N/A
EPS Next 2Y85.61%
EPS Next 3YN/A

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 9.26%, NSP is a good candidate for dividend investing.
  • In the last 3 months the price of NSP has falen by -21.37%. 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 1.53. NSP pays more dividend than 96.63% of the companies in the same industry.
  • NSP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.79.
Industry RankSector Rank
Dividend Yield 9.26%

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

  • 529.41% of the earnings are spent on dividend by NSP. This is not a sustainable payout ratio.
  • The dividend of NSP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP529.41%
EPS Next 2Y85.61%
EPS Next 3YN/A
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

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Find the best dividend stocksShow peers with best dividend

INSPERITY INC

NYSE:NSP (2/13/2026, 8:04:00 PM)

After market: 25.56 -0.12 (-0.47%)

25.68

-0.24 (-0.93%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-10
Earnings (Next)04-27
Inst Owners103.1%
Inst Owner Change-0.2%
Ins Owners5.24%
Ins Owner Change-0.66%
Market Cap968.14M
Revenue(TTM)N/A
Net Income(TTM)17.00M
Analysts50
Price Target43.61 (69.82%)
Short Float %10.17%
Short Ratio3.31
Dividend
Industry RankSector Rank
Dividend Yield 9.26%
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 24.93
Fwd PE 10.43
P/S 0.14
P/FCF 18.98
P/OCF 11.26
P/B 11.13
P/tB 13.08
EV/EBITDA 13.66
EPS(TTM)1.03
EY4.01%
EPS(NY)2.46
Fwd EY9.59%
FCF(TTM)1.35
FCFY5.27%
OCF(TTM)2.28
OCFY8.88%
SpS179.23
BVpS2.31
TBVpS1.96
PEG (NY)0.18
PEG (5Y)N/A
Graham Number7.31
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 4.28
F-Score5
WACC8.13%
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)-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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%3.41%
Revenue Next Year6.4%
Revenue Next 2Y7.56%
Revenue Next 3YN/A
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 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 4 / 10.


Can you provide the financial health for NSP stock?

The financial health rating of INSPERITY INC (NSP) is 4 / 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.