NSP
Insperity, Inc.
$50.02
+2.00% 2026-10-20
IndustrialsS&P 600
NSPSPY
1W
+1.3%
1M
-0.6%
3M
-1.0%
6M
+61.8%
YTD
+36.8%
1Y
+13.3%
Live chart
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Grades vs sector
Momentum57th pct in sectorB-
Momentum
57th pct in sector
12-1 return: +13.8%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Growth14th pct in sectorD-
Growth
14th pct in sector
Revenue growth (YoY): +1.7%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Value22nd pct in sectorD
Value
22nd pct in sector
Forward E/P: 5.3% · EBITDA/EV: 1.5%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Profitability5th pct in sectorF
Profitability
5th pct in sector
Profit margin: -0.2% · Return on equity: -18.5%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
RevisionsNot enough data yet–
Revisions
Not enough data yet
EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.
30-day change in analysts' current-year EPS estimate; graded across covered stocks.
Our models
Not held by any of our 5 live models right now.
Quality Growth
not ranked (outside this model's universe or screens)
Momentum Top 15not ranked (outside this model's universe or screens)
Momentum Blendnot in the current book
New Highs Growthnot ranked (outside this model's universe or screens)
Conviction 20not in the current book
News
More newsInsperity Reports AI Agent Focused on HR
MT Newswires · Oct 15
Insperity Unveils Its AI Capabilities for the Future of HR Highlighting New Insperity HR360 AI Agent
Business Wire · Oct 15
ManpowerGroup (MAN) Matches Q3 Earnings Estimates
Zacks · Oct 15
Insperity Demonstrates Commitment to Small and Medium Sized Businesses at the 2026 Inc. 5000 Conference
Business Wire · Oct 13
3 Retirement Tax Stocks Investors Should Watch Including ADP Stock
Simply Wall St. · Oct 10
Key stats
Market cap$1.9B
P/E (trailing)–
P/E (forward)18.5
52-week range18.57 – 55.90
Revenue growth (YoY, latest qtr)+1.7%
Dividend yield4.89%
Analyst consensusNone (4)
Mean price target$51.75 (+3%)
Valuation and fundamentals
Valuation & fundamentals
Bottom line
Leans undervalued
Model read-out from the numbers below, not advice. Score +1 (DCF counts double).
▲DCF (base case)above the price by 150%
•Forward P/E vs sector18.5x vs median 17.1x
▼Piotroski F-score2/9
▲Net debt / EBITDA-5.8x
•Analyst target+3% (4 analysts)
Discounted cash flow
Bear
$75
+49%
growth -2% · disc. 8.1% · term. 2.0%
Base
$125
+150%
growth 3% · disc. 7.1% · term. 2.5%
Bull
$214
+327%
growth 6% · disc. 6.1% · term. 3.0%
A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.
Reverse DCFfor context, not a signal
A normal DCF guesses future cash flows and works out a price. A reverse DCF runs it backwards: it starts from today's price and asks how fast free cash flow would have to grow to justify it. It tells you what the market is assuming, not whether the stock is cheap or expensive, and it is not a buy or sell signal. Glossary
Today's price implies shrinking cash flows: about -9% a year for 10 years.
Implied
-9%/yr
FCF, last 3 yrs
n/a
FCF, last 5 yrs
n/a
Revenue, last 3 yrs
+5%/yr
Revenue, last 5 yrs
+10%/yr
Same inputs as the DCF above: trailing free cash flow 0.2B, 7.1% discount rate, 2.5% growth after year 10, net cash and today's share count. Actual growth rates are compound annual rates from SEC annual filings through FY2025; "n/a" means too little history or a negative starting year.
Edit assumptions · recalculates instantly
Your value per share–
Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2026-06-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 0.56 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.
Multiples vs Industrials
P/E (trailing)
sector median 26.4×
–Forward P/E
pricier
sector median 17.1× · 58th pct
18.5×pricier
EV / EBITDA
pricier
sector median 14.8× · 96th pct
40.8×pricier
Price / sales
cheaper
sector median 2.1× · 2nd pct
0.3×cheaper
Price / book
pricier
sector median 3.5× · 99th pct
31.3×pricier
FCF yield
cheaper
sector median 4.5% · 85th pct
10.2%cheaper
Forward EPS $2.70 vs trailing $-0.44. Forward P/E uses analysts' next-12-month estimate.
Quality & financial health
Gross margin
12.9%
Operating margin
-0.0%
FCF margin
2.8%
Net margin
-0.2%
Return on equity
-26.2%
Return on invested capital
–
Net debt / EBITDA
-5.8×
Current ratio
1.1×
Interest cover
-0.1×
Cash conversion (OCF/NI)
–
Piotroski F-score 2/9 · last two fiscal years
✗ Positive net income✗ Positive operating cash flow✗ Return on assets improved✗ Cash flow above net income✗ Long-term debt / assets fell✗ Current ratio improved✓ No share dilution✗ Gross margin improved✓ Asset turnover improved
Analysts
Mean target
$52
+3%
Analysts
4
None
Range
$38–$61
low – high
● price · ◆ mean target
Annual history
| FY | Revenue | Net income | Free cash flow |
|---|---|---|---|
| 2025 | $6.8B | $-7.0M | $-309.0M |
| 2024 | $6.6B | $91.0M | $482.0M |
| 2023 | $6.5B | $171.0M | $158.0M |
| 2022 | $5.9B | $179.0M | $317.0M |
| 2021 | $5.0B | $124.1M | $227.3M |
| 2020 | $4.3B | $138.2M | $248.2M |
From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR +4.7%.
Earnings
Next report: 2026-10-29 · before open · EPS est 0.21
EstimateActual (beat)Actual (miss)
| Report | EPS est | Actual | Surprise |
|---|---|---|---|
| 2026-07-29 | 0.32 | 0.34 | +6.9% |
| 2026-04-30 | 1.23 | 1.31 | +6.2% |
| 2026-02-10 | -0.47 | -0.60 | -28.9% |
| 2025-11-03 | 0.22 | -0.20 | -190.1% |
| 2025-08-01 | 0.41 | 0.26 | -36.3% |
| 2025-04-29 | 2.02 | 1.57 | -22.4% |
| 2025-02-10 | 0.02 | 0.05 | +177.8% |
| 2024-10-31 | 0.33 | 0.39 | +19.7% |
Quarterly revenue
| Quarter | Revenue | YoY |
|---|---|---|
| 2026-06-30 | $1.7B | +1.7% |
| 2026-03-31 | $1.9B | – |
| 2025-12-31 | $1.7B | – |
| 2025-09-30 | $1.6B | – |
| 2025-06-30 | $1.7B | – |
Analyst actions
Truist Securities
PT $52
2026-07-22 · main
Hold → HoldPT $52
JP Morgan
PT $33
2026-05-01 · main
Underweight → UnderweightPT $33
Truist Securities
PT $35
2025-11-04 · main
Hold → HoldPT $35
JP Morgan
PT $34
2025-11-04 · main
Underweight → UnderweightPT $34
Roth Capital
PT $74
2025-08-04 · main
Buy → BuyPT $74
JP Morgan
PT $51
2025-08-04 · main
Underweight → UnderweightPT $51
Recent dividends
2026-09-02: $0.600 · 2026-06-04: $0.600 · 2026-03-06: $0.600 · 2025-12-09: $0.600 · 2025-09-04: $0.600 · 2025-06-06: $0.600 · 2025-03-13: $0.600 · 2024-12-10: $0.600
Insider trades
None
–
None · None
SELL–
None
–
None · None
SELL–
None
–
None · None
SELL–
Stats refreshed 2026-10-20 18:08:43 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now
coteauCoteau Systematic Strategies publishes stock research and model portfolios. It doesn't manage money or give investment advice. Results are hypothetical unless marked Live. Data: Yahoo Finance (delayed) and SEC EDGAR.