📊 NSP Key Takeaways
Is NSP a Good Investment? Thesis Analysis
Insperity faces severe operational deterioration with negative profitability, negative free cash flow of -$309M, and dramatically worsening net income (-107.7% YoY) despite revenue growth. The company's highly leveraged capital structure (8.02x debt/equity) combined with negative interest coverage (-0.4x) creates acute solvency risk, particularly concerning given the operating cash flow deficit of -$278M indicating cash burn rather than generation.
Why Buy NSP? Key Strengths
- Strong revenue growth of 3.5% YoY demonstrates market demand in staffing services segment
- Substantial cash balance of $642M provides near-term liquidity buffer against operational losses
- Gross margin of 13.2% indicates ability to generate positive contribution on direct operations before overhead
NSP Investment Risks to Consider
- Negative net income of -$7M and operating losses of -$10M signal fundamental business model deterioration
- Critical cash flow deficit with -$309M free cash flow indicating unsustainable burn rate despite revenue growth
- Extreme leverage with 8.02x debt/equity ratio and negative interest coverage creates imminent refinancing and solvency risk
- Negative ROE of -15.2% and ROA of -0.3% demonstrate shareholder value destruction across all asset bases
Key Metrics to Watch
- Quarterly operating income trajectory and path to profitability
- Operating cash flow sign reversal from negative to positive generation
- Debt covenant compliance and refinancing ability given negative interest coverage
- Gross margin stability and operating expense reduction initiatives
NSP Financial Metrics
💡 AI Analyst Insight
INSPERITY, INC. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
NSP Profitability Ratios
NSP vs Default Sector
How INSPERITY, INC. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is NSP Overvalued or Undervalued?
Based on fundamental analysis, INSPERITY, INC. shows some fundamental concerns relative to the Default sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
NSP Balance Sheet & Liquidity
NSP 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: INSPERITY, INC.'s revenue has grown significantly by 37% over the 5-year period, indicating strong business expansion. The most recent EPS of $4.47 reflects profitable operations.
NSP Growth Metrics (YoY)
NSP Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $1.6B | $3.0M | $0.07 |
| Q2 2025 | $1.6B | -$5.0M | $-0.14 |
| Q1 2025 | $1.8B | $51.0M | $1.35 |
| Q3 2024 | $1.6B | $3.0M | $0.07 |
| Q2 2024 | $1.6B | $12.0M | $0.33 |
| Q1 2024 | $1.8B | $79.0M | $2.08 |
| Q3 2023 | $1.4B | $37.7M | $0.98 |
| Q2 2023 | $1.4B | $12.9M | $0.33 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
NSP Capital Allocation
NSP SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for INSPERITY, INC. (CIK: 0001000753)
📋 Recent SEC Filings
❓ Frequently Asked Questions about NSP
What is the AI rating for NSP?
INSPERITY, INC. (NSP) has an AI rating of STRONG SELL with 92% confidence, based on fundamental analysis of SEC EDGAR filings.
What are NSP's key strengths?
Claude: Strong revenue growth of 3.5% YoY demonstrates market demand in staffing services segment. Substantial cash balance of $642M provides near-term liquidity buffer against operational losses.
What are the risks of investing in NSP?
Claude: Negative net income of -$7M and operating losses of -$10M signal fundamental business model deterioration. Critical cash flow deficit with -$309M free cash flow indicating unsustainable burn rate despite revenue growth.
What is NSP's revenue and growth?
INSPERITY, INC. reported revenue of $6.8B.
Does NSP pay dividends?
INSPERITY, INC. pays dividends, with $90.0M distributed to shareholders in the trailing twelve months.
Where can I find NSP SEC filings?
Official SEC filings for INSPERITY, INC. (CIK: 0001000753) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is NSP's EPS?
INSPERITY, INC. has a diluted EPS of $-0.19.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is NSP a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, INSPERITY, INC. has a STRONG SELL rating with 92% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is NSP stock overvalued or undervalued?
Valuation metrics for NSP: ROE of -15.2% (sector avg: 15%), net margin of -0.1% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy NSP stock in 2026?
Our dual AI analysis gives INSPERITY, INC. a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is NSP's free cash flow?
INSPERITY, INC.'s operating cash flow is $-278.0M, with capital expenditures of $31.0M. FCF margin is -4.5%.
How does NSP compare to other Default stocks?
Vs Default sector averages: Net margin -0.1% (avg: 12%), ROE -15.2% (avg: 15%), current ratio 1.06 (avg: 1.8).