📊 NSP Key Takeaways
Is Insperity, Inc.. (NSP) a Good Investment?
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.
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
- 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
- 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 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
- 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
- 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
- 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.. shows some fundamental concerns 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 |
|---|---|---|---|
| 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.
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 (STRONG SELL) and ChatGPT (SELL) with 80% combined 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. 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 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. 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 $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 SELL rating with 80% 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: 16%), net margin of -0.1% (sector avg: 10%). 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 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 Services stocks?
Vs Services sector averages: Net margin -0.1% (avg: 10%), ROE -15.2% (avg: 16%), current ratio 1.06 (avg: 1.5).
Is Insperity, Inc.. carrying too much debt?
NSP has a debt-to-equity ratio of 8.02x, which is above the Services sector average of 0.7x. However, the current ratio of 1.06 suggests adequate short-term liquidity.