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 has a bad profitability rating. Also its financial health evaluation is rather negative. NSP is not valued too expensively and it also shows a decent growth rate. Finally NSP also has an excellent dividend rating.
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 4 of the past 5 years.
- Of the past 5 years NSP 4 years had a positive operating cash flow.
1.2 Ratios
- NSP's Return On Assets of 0.84% is in line compared to the rest of the industry. NSP outperforms 45.45% of its industry peers.
- NSP has a Return On Equity of 19.54%. This is in the better half of the industry: NSP outperforms 70.45% of its industry peers.
- With a Return On Invested Capital value of 2.41%, NSP is not doing good in the industry: 61.36% of the companies in the same industry are doing better.
| 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's Profit Margin of 0.25% is in line compared to the rest of the industry. NSP outperforms 45.45% of its industry peers.
- NSP has a Operating Margin of 0.31%. This is in the lower half of the industry: NSP underperforms 63.64% of its industry peers.
- NSP's Gross Margin of 14.00% is on the low side compared to the rest of the industry. NSP is outperformed by 79.55% of its industry peers.
- In the last couple of years the Gross Margin of NSP has declined.
| 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NSP is destroying value.
- Compared to 1 year ago, NSP has more shares outstanding
- Compared to 5 years ago, NSP has less shares outstanding
- Compared to 1 year ago, NSP has a worse debt to assets ratio.
2.2 Solvency
- NSP has an Altman-Z score of 4.25. This indicates that NSP is financially healthy and has little risk of bankruptcy at the moment.
- With a decent Altman-Z score value of 4.25, 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.
- With a Debt to FCF ratio value of 7.24, NSP perfoms like the industry average, outperforming 51.14% of the companies in the same industry.
- NSP has a Debt/Equity ratio of 4.24. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of NSP (4.24) is worse than 85.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.24 | ||
| Debt/FCF | 7.24 | ||
| Altman-Z | 4.25 |
ROIC/WACC0.3
WACC7.99%
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 worse Current ratio (1.12) than 67.05% of its industry peers.
- A Quick Ratio of 1.12 indicates that NSP should not have too much problems paying 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 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%.
- Measured over the past years, NSP shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -25.99% on average per year.
- 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
- NSP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 85.61% yearly.
- NSP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.31% yearly.
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
- 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
- A Price/Earnings ratio of 21.56 indicates a rather expensive valuation of NSP.
- Compared to the rest of the industry, the Price/Earnings ratio of NSP is on the same level as its industry peers.
- NSP is valuated rather cheaply when we compare the Price/Earnings ratio to 27.10, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 9.02 indicates a reasonable valuation of NSP.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of NSP indicates a rather cheap valuation: NSP is cheaper than 84.09% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, NSP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.56 | ||
| Fwd PE | 9.02 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NSP indicates a somewhat cheap valuation: NSP is cheaper than 67.05% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, NSP is valued a bit cheaper than 70.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.42 | ||
| EV/EBITDA | 11.94 |
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.
- NSP's earnings are expected to grow with 85.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.16
PEG (5Y)N/A
EPS Next 2Y85.61%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 9.53%, NSP is a good candidate for dividend investing.
- The stock price of NSP dropped by -37.21% 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.
- Compared to an average industry Dividend Yield of 1.65, NSP pays a better dividend. On top of this NSP pays more dividend than 96.59% of the companies listed in the same industry.
- NSP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.53% |
5.2 History
- The dividend of NSP is nicely growing with an annual growth rate of 14.57%!
- 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)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.
- 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
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 Target43.61 (96.35%)
Short Float %10.2%
Short Ratio3.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.53% |
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)-5%
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 | 11.94 |
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 | 4.25 |
F-Score6
WACC7.99%
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 Year1664.74%
EBIT Next 3YN/A
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.