(NSP) Insperity - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US45778Q1076
Stock: HR Outsourcing, Payroll, Benefits, Compliance, Recruiting
Total Rating 31
Risk 84
Buy Signal -1.19
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.48% |
| Yield on Cost 5y | 3.18% |
| Yield CAGR 5y | -10.56% |
| Payout Consistency | 89.4% |
| Payout Ratio | 147.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 52.2% |
| Relative Tail Risk | -16.5% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.84 |
| Alpha | -58.80 |
| Character TTM | |
|---|---|
| Beta | 0.821 |
| Beta Downside | 0.658 |
| Drawdowns 3y | |
|---|---|
| Max DD | 73.84% |
| CAGR/Max DD | -0.39 |
Description: NSP Insperity January 15, 2026
Insperity, Inc. (NYSE: NSP) delivers outsourced human-resources and business-performance solutions primarily to U.S. small- and medium-size enterprises, positioning itself as a Professional Employer Organization (PEO) that handles payroll, benefits, workers’ compensation, compliance, performance management, and employee development.
Its flagship offering, Insperity Premier, is a cloud-based HCM platform that bundles HR outsourcing, people-management services, and employer-liability solutions for the middle-market segment, complemented by a la carte modules such as time-and-attendance, recruiting, retirement planning, and insurance administration.
Key operating metrics (FY 2023) include roughly $1.2 billion in revenue, a 5 % year-over-year growth rate, and a client-retention rate above 96 %, reflecting the sticky nature of PEO contracts. The business is sensitive to macro-drivers such as U.S. labor-force participation, wage-growth pressure, and the broader shift toward cloud-based HR technology, which together underpin a $150 billion addressable market for outsourced HR services.
For a deeper quantitative view, you may want to explore ValueRay’s analyst tools.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 17.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 6.85 > 1.0 |
| NWC/Revenue: 2.55% < 20% (prev 3.05%; Δ -0.51% < -1%) |
| CFO/TA 0.04 > 3% & CFO 86.0m > Net Income 17.0m |
| Net Debt (-65.0m) to EBITDA (98.0m): -0.66 < 3 |
| Current Ratio: 1.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (38.0m) vs 12m ago 0.0% < -2% |
| Gross Margin: 13.84% > 18% (prev 0.16%; Δ 1368 % > 0.5%) |
| Asset Turnover: 342.6% > 50% (prev 338.8%; Δ 3.80% > 0%) |
| Interest Coverage Ratio: 2.16 > 6 (EBITDA TTM 98.0m / Interest Expense TTM 25.0m) |
Altman Z'' 2.25
| A: 0.09 (Total Current Assets 1.55b - Total Current Liabilities 1.38b) / Total Assets 2.01b |
| B: 0.34 (Retained Earnings 694.0m / Total Assets 2.01b) |
| C: 0.03 (EBIT TTM 54.0m / Avg Total Assets 1.97b) |
| D: 0.36 (Book Value of Equity 695.0m / Total Liabilities 1.93b) |
| Altman-Z'' Score: 2.25 = BBB |
Beneish M -2.84
| DSRI: 1.18 (Receivables 929.0m/765.0m, Revenue 6.76b/6.55b) |
| GMI: 1.17 (GM 13.84% / 16.13%) |
| AQI: 0.84 (AQ_t 0.11 / AQ_t-1 0.13) |
| SGI: 1.03 (Revenue 6.76b / 6.55b) |
| TATA: -0.03 (NI 17.0m - CFO 86.0m) / TA 2.01b) |
| Beneish M-Score: -2.84 (Cap -4..+1) = A |
What is the price of NSP shares?
As of February 08, 2026, the stock is trading at USD 38.92 with a total of 1,354,686 shares traded.
Over the past week, the price has changed by -8.92%, over one month by -9.28%, over three months by +16.17% and over the past year by -43.04%.
Over the past week, the price has changed by -8.92%, over one month by -9.28%, over three months by +16.17% and over the past year by -43.04%.
Is NSP a buy, sell or hold?
Insperity has received a consensus analysts rating of 3.00.
Therefor, it is recommend to hold NSP.
- StrongBuy: 0
- Buy: 1
- Hold: 3
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the NSP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 42.8 | 9.8% |
| Analysts Target Price | 42.8 | 9.8% |
| ValueRay Target Price | 37.2 | -4.5% |
NSP Fundamental Data Overview February 03, 2026
P/E Trailing = 85.46
P/E Forward = 15.083
P/S = 0.2384
P/B = 17.708
P/EG = 1.4178
Revenue TTM = 6.76b USD
EBIT TTM = 54.0m USD
EBITDA TTM = 98.0m USD
Long Term Debt = 369.0m USD (from longTermDebt, last quarter)
Short Term Debt = 19.0m USD (from shortTermDebt, last fiscal year)
Debt = 436.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -65.0m USD (from netDebt column, last quarter)
Enterprise Value = 1.63b USD (1.61b + Debt 436.0m - CCE 422.0m)
Interest Coverage Ratio = 2.16 (Ebit TTM 54.0m / Interest Expense TTM 25.0m)
EV/FCF = 31.86x (Enterprise Value 1.63b / FCF TTM 51.0m)
FCF Yield = 3.14% (FCF TTM 51.0m / Enterprise Value 1.63b)
FCF Margin = 0.75% (FCF TTM 51.0m / Revenue TTM 6.76b)
Net Margin = 0.25% (Net Income TTM 17.0m / Revenue TTM 6.76b)
Gross Margin = 13.84% ((Revenue TTM 6.76b - Cost of Revenue TTM 5.82b) / Revenue TTM)
Gross Margin QoQ = 11.34% (prev 13.45%)
Tobins Q-Ratio = 0.81 (Enterprise Value 1.63b / Total Assets 2.01b)
Interest Expense / Debt = 1.38% (Interest Expense 6.00m / Debt 436.0m)
Taxrate = 27.78% (35.0m / 126.0m)
NOPAT = 39.0m (EBIT 54.0m * (1 - 27.78%))
Current Ratio = 1.12 (Total Current Assets 1.55b / Total Current Liabilities 1.38b)
Debt / Equity = 5.01 (Debt 436.0m / totalStockholderEquity, last quarter 87.0m)
Debt / EBITDA = -0.66 (Net Debt -65.0m / EBITDA 98.0m)
Debt / FCF = -1.27 (Net Debt -65.0m / FCF TTM 51.0m)
Total Stockholder Equity = 103.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.86% (Net Income 17.0m / Total Assets 2.01b)
RoE = 16.39% (Net Income TTM 17.0m / Total Stockholder Equity 103.8m)
RoCE = 11.42% (EBIT 54.0m / Capital Employed (Equity 103.8m + L.T.Debt 369.0m))
RoIC = 8.25% (NOPAT 39.0m / Invested Capital 472.8m)
WACC = 7.25% (E(1.61b)/V(2.05b) * Re(8.94%) + D(436.0m)/V(2.05b) * Rd(1.38%) * (1-Tc(0.28)))
Discount Rate = 8.94% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.51%
[DCF Debug] Terminal Value 76.11% ; FCFF base≈51.0m ; Y1≈37.6m ; Y5≈21.6m
Fair Price DCF = 14.30 (EV 474.2m - Net Debt -65.0m = Equity 539.2m / Shares 37.7m; r=7.25% [WACC]; 5y FCF grow -31.04% → 2.90% )
EPS Correlation: -68.83 | EPS CAGR: -41.80% | SUE: -0.25 | # QB: 0
Revenue Correlation: 63.59 | Revenue CAGR: 6.29% | SUE: -0.91 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.69 | Chg30d=-0.042 | Revisions Net=-1 | Analysts=4
EPS next Year (2026-12-31): EPS=2.44 | Chg30d=-0.106 | Revisions Net=-1 | Growth EPS=+113.0% | Growth Revenue=+6.4%
P/E Forward = 15.083
P/S = 0.2384
P/B = 17.708
P/EG = 1.4178
Revenue TTM = 6.76b USD
EBIT TTM = 54.0m USD
EBITDA TTM = 98.0m USD
Long Term Debt = 369.0m USD (from longTermDebt, last quarter)
Short Term Debt = 19.0m USD (from shortTermDebt, last fiscal year)
Debt = 436.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -65.0m USD (from netDebt column, last quarter)
Enterprise Value = 1.63b USD (1.61b + Debt 436.0m - CCE 422.0m)
Interest Coverage Ratio = 2.16 (Ebit TTM 54.0m / Interest Expense TTM 25.0m)
EV/FCF = 31.86x (Enterprise Value 1.63b / FCF TTM 51.0m)
FCF Yield = 3.14% (FCF TTM 51.0m / Enterprise Value 1.63b)
FCF Margin = 0.75% (FCF TTM 51.0m / Revenue TTM 6.76b)
Net Margin = 0.25% (Net Income TTM 17.0m / Revenue TTM 6.76b)
Gross Margin = 13.84% ((Revenue TTM 6.76b - Cost of Revenue TTM 5.82b) / Revenue TTM)
Gross Margin QoQ = 11.34% (prev 13.45%)
Tobins Q-Ratio = 0.81 (Enterprise Value 1.63b / Total Assets 2.01b)
Interest Expense / Debt = 1.38% (Interest Expense 6.00m / Debt 436.0m)
Taxrate = 27.78% (35.0m / 126.0m)
NOPAT = 39.0m (EBIT 54.0m * (1 - 27.78%))
Current Ratio = 1.12 (Total Current Assets 1.55b / Total Current Liabilities 1.38b)
Debt / Equity = 5.01 (Debt 436.0m / totalStockholderEquity, last quarter 87.0m)
Debt / EBITDA = -0.66 (Net Debt -65.0m / EBITDA 98.0m)
Debt / FCF = -1.27 (Net Debt -65.0m / FCF TTM 51.0m)
Total Stockholder Equity = 103.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.86% (Net Income 17.0m / Total Assets 2.01b)
RoE = 16.39% (Net Income TTM 17.0m / Total Stockholder Equity 103.8m)
RoCE = 11.42% (EBIT 54.0m / Capital Employed (Equity 103.8m + L.T.Debt 369.0m))
RoIC = 8.25% (NOPAT 39.0m / Invested Capital 472.8m)
WACC = 7.25% (E(1.61b)/V(2.05b) * Re(8.94%) + D(436.0m)/V(2.05b) * Rd(1.38%) * (1-Tc(0.28)))
Discount Rate = 8.94% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.51%
[DCF Debug] Terminal Value 76.11% ; FCFF base≈51.0m ; Y1≈37.6m ; Y5≈21.6m
Fair Price DCF = 14.30 (EV 474.2m - Net Debt -65.0m = Equity 539.2m / Shares 37.7m; r=7.25% [WACC]; 5y FCF grow -31.04% → 2.90% )
EPS Correlation: -68.83 | EPS CAGR: -41.80% | SUE: -0.25 | # QB: 0
Revenue Correlation: 63.59 | Revenue CAGR: 6.29% | SUE: -0.91 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.69 | Chg30d=-0.042 | Revisions Net=-1 | Analysts=4
EPS next Year (2026-12-31): EPS=2.44 | Chg30d=-0.106 | Revisions Net=-1 | Growth EPS=+113.0% | Growth Revenue=+6.4%