📊 NSP Key Takeaways
Is Insperity, Inc.. (NSP) a Good Investment?
Insperity exhibits critical cash flow deterioration with negative operating cash flow of -$67M despite $1.9B in revenue, indicating the core business is destroying value. Unsustainable leverage of 5.51x Debt/Equity combined with a 107.9% EPS collapse and tight liquidity create significant financial distress.
Despite modest revenue growth, fundamentals weakened with negative operating and net income, negative free cash flow, and razor-thin margins. High leverage relative to a small equity base and negative interest coverage elevate financial risk until profitability and cash conversion improve.
Why Buy Insperity, Inc.. Stock? NSP Key Strengths
- Substantial cash position of $537M provides near-term liquidity buffer
- Revenue growth of 3.5% YoY demonstrates continued market demand in staffing services
- Interest coverage ratio of 10.3x indicates current debt service is serviceable
- Modest revenue growth (+3.5% YoY)
- Significant gross profit base ($900M) with low capex needs
- Large cash balance ($642M) provides some near-term flexibility
NSP Stock Risks: Insperity, Inc.. Investment Risks
- Negative operating cash flow of -$67M indicates core business is not generating cash from operations and is fundamentally unsustainable
- Extreme leverage (5.51x Debt/Equity) with minimal equity base ($67M) severely restricts financial flexibility and refinancing options
- Combined tight liquidity (1.09x current ratio), 107.9% EPS decline, and 1.7% net margin leave no margin for operational deterioration
- Sustained margin compression keeping operating income negative
- High debt relative to equity (8.0x) and negative interest coverage
- Weak cash generation and near-breakeven liquidity (current ratio ~1.06)
Key Metrics to Watch
- Operating cash flow - must return to positive immediately
- Debt-to-Equity ratio trajectory - any further increase signals distress
- Free cash flow and cash runway depletion rate - critical for solvency assessment
- Operating margin
- Free cash flow
Insperity, Inc.. (NSP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Insperity, Inc.. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
NSP Profit Margin, ROE & Profitability Analysis
NSP vs Services Sector: How Insperity, Inc.. Compares
How Insperity, Inc.. compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Insperity, Inc.. Stock Overvalued? NSP Valuation Analysis 2026
Based on fundamental analysis, Insperity, Inc.. has mixed fundamental signals relative to the Services 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.
Insperity, Inc.. Balance Sheet: NSP Debt, Cash & Liquidity
NSP Revenue & Earnings Growth: 5-Year Financial Trend
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 Revenue Growth, EPS Growth & YoY Performance
NSP Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $1.9B | $33.0M | $0.88 |
| 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 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Insperity, Inc.. Dividends, Buybacks & Capital Allocation
NSP SEC Filings: Latest 10-K & 10-Q 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 a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (SELL) with 76% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are NSP's key strengths?
Claude: Substantial cash position of $537M provides near-term liquidity buffer. Revenue growth of 3.5% YoY demonstrates continued market demand in staffing services. ChatGPT: Modest revenue growth (+3.5% YoY). Significant gross profit base ($900M) with low capex needs.
What are the risks of investing in NSP?
Claude: Negative operating cash flow of -$67M indicates core business is not generating cash from operations and is fundamentally unsustainable. Extreme leverage (5.51x Debt/Equity) with minimal equity base ($67M) severely restricts financial flexibility and refinancing options. ChatGPT: Sustained margin compression keeping operating income negative. High debt relative to equity (8.0x) and negative interest coverage.
What is NSP's revenue and growth?
Insperity, Inc.. reported revenue of $1.9B.
Does NSP pay dividends?
Insperity, Inc.. pays dividends, with $23.0M 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 $0.88.
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 May 2026, Insperity, Inc.. has a SELL rating with 76% 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 49.3% (sector avg: 16%), net margin of 1.7% (sector avg: 10%). Higher ROE suggests strong returns relative to peers.
Should I buy NSP stock in 2026?
Our dual AI analysis gives Insperity, Inc.. a combined 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 $-67.0M, with capital expenditures of $6.0M. FCF margin is -3.9%.
How does NSP compare to other Services stocks?
Vs Services sector averages: Net margin 1.7% (avg: 10%), ROE 49.3% (avg: 16%), current ratio 1.09 (avg: 1.5).
Is Insperity, Inc.. carrying too much debt?
NSP has a debt-to-equity ratio of 5.51x, which is above the Services sector average of 0.7x. However, the current ratio of 1.09 suggests adequate short-term liquidity.
Why is NSP's return on equity (ROE) so high?
Insperity, Inc.. has a return on equity of 49.3%, significantly above the Services sector average of 16%. A high ROE indicates the company is efficient at generating profits from shareholder equity. This is supported by a 1.7% net margin.