INSPERITY INC (NSP) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:NSP - US45778Q1076 - Common Stock
46.59 USD
+0.27 (+0.58%)
38.23 USD
-8.36 (-17.94%)
Taking everything into account, NSP scores 4 out of 10 in our fundamental rating. NSP was compared to 88 industry peers in the Professional Services industry. Both the profitability and the financial health of NSP get a neutral evaluation. Nothing too spectacular is happening here. NSP is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year NSP was profitable.
- In the past year NSP had a positive cash flow from operations.
- Each year in the past 5 years NSP has been profitable.
- Each year in the past 5 years NSP had a positive operating cash flow.
1.2 Ratios
- NSP's Return On Assets of 0.84% is in line compared to the rest of the industry. NSP outperforms 48.86% of its industry peers.
- The Return On Equity of NSP (19.54%) is better than 71.59% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 2.47%, NSP is in line with its industry, outperforming 40.91% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for NSP is significantly above the industry average of 11.85%.
- The last Return On Invested Capital (2.47%) for NSP is well below the 3 year average (21.27%), which needs to be investigated, but indicates that NSP had better years and this may not be a problem.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 19.54% | ||
| ROIC | 2.47% |
ROA(3y)6.8%
ROA(5y)7.23%
ROE(3y)165.84%
ROE(5y)N/A
ROIC(3y)21.27%
ROIC(5y)21.13%
1.3 Margins
- NSP's Profit Margin of 0.25% is in line compared to the rest of the industry. NSP outperforms 45.45% of its industry peers.
- NSP's Profit Margin has declined in the last couple of years.
- The Operating Margin of NSP (0.31%) is worse than 63.64% of its industry peers.
- NSP's Operating Margin has declined in the last couple of years.
- With a Gross Margin value of 14.00%, NSP is not doing good in the industry: 78.41% of the companies in the same industry are doing better.
- NSP's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 0.31% | ||
| PM (TTM) | 0.25% | ||
| GM | 14% |
OM growth 3Y-20.09%
OM growth 5Y-16.29%
PM growth 3Y-17.82%
PM growth 5Y-16.76%
GM growth 3Y-1.03%
GM growth 5Y-1.21%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), NSP is creating value.
- NSP has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, NSP has less shares outstanding
- The debt/assets ratio for NSP has been reduced compared to a year ago.
2.2 Solvency
- NSP has an Altman-Z score of 4.53. This indicates that NSP is financially healthy and has little risk of bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 4.53, NSP belongs to the top of the industry, outperforming 82.95% of the companies in the same industry.
- The Debt to FCF ratio of NSP is 7.24, which is on the high side as it means it would take NSP, 7.24 years of fcf income to pay off all of its debts.
- NSP's Debt to FCF ratio of 7.24 is in line compared to the rest of the industry. NSP outperforms 52.27% of its industry peers.
- NSP has a Debt/Equity ratio of 4.24. This is a high value indicating a heavy dependency on external financing.
- NSP has a Debt to Equity ratio of 4.24. This is amonst the worse of the industry: NSP underperforms 82.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.24 | ||
| Debt/FCF | 7.24 | ||
| Altman-Z | 4.53 |
ROIC/WACC0.29
WACC8.47%
2.3 Liquidity
- NSP has a Current Ratio of 1.12. This is a normal value and indicates that NSP is financially healthy and should not expect problems in meeting its short term obligations.
- NSP has a worse Current ratio (1.12) than 65.91% of its industry peers.
- A Quick Ratio of 1.12 indicates that NSP should not have too much problems paying its short term obligations.
- NSP's Quick ratio of 1.12 is on the low side compared to the rest of the industry. NSP is outperformed by 65.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
- NSP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -60.66%.
- NSP shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.87% yearly.
- Looking at the last year, NSP shows a small growth in Revenue. The Revenue has grown by 3.19% in the last year.
- NSP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.81% yearly.
EPS 1Y (TTM)-60.66%
EPS 3Y-3.4%
EPS 5Y-2.87%
EPS Q2Q%-151.28%
Revenue 1Y (TTM)3.19%
Revenue growth 3Y9.79%
Revenue growth 5Y8.81%
Sales Q2Q%3.97%
3.2 Future
- NSP is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.20% yearly.
- The Revenue is expected to grow by 6.34% on average over the next years.
EPS Next Y-67.63%
EPS Next 2Y-15.16%
EPS Next 3Y-0.2%
EPS Next 5YN/A
Revenue Next Year3.92%
Revenue Next 2Y5.15%
Revenue Next 3Y6.34%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 27.73 indicates a quite expensive valuation of NSP.
- Compared to the rest of the industry, the Price/Earnings ratio of NSP is on the same level as its industry peers.
- NSP is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- NSP is valuated rather expensively with a Price/Forward Earnings ratio of 18.13.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of NSP indicates a somewhat cheap valuation: NSP is cheaper than 61.36% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of NSP to the average of the S&P500 Index (24.29), we can say NSP is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.73 | ||
| Fwd PE | 18.13 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as NSP.
- NSP's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.44 | ||
| EV/EBITDA | 25.65 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-15.16%
EPS Next 3Y-0.2%
5. Dividend
5.1 Amount
- NSP has a Yearly Dividend Yield of 5.18%, which is a nice return.
- NSP's Dividend Yield is rather good when compared to the industry average which is at 1.41. NSP pays more dividend than 94.32% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.85, NSP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.18% |
5.2 History
- On average, the dividend of NSP grows each year by 14.57%, which is quite nice.
- NSP has been paying a dividend for at least 10 years, so it has a reliable track record.
- NSP has decreased its dividend in the last 3 years.
Dividend Growth(5Y)14.57%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
- 529.41% of the earnings are spent on dividend by NSP. This is not a sustainable payout ratio.
- The Dividend Rate of NSP has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP529.41%
EPS Next 2Y-15.16%
EPS Next 3Y-0.2%
46.59
+0.27 (+0.58%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)11-03 2025-11-03/amc
Earnings (Next)02-09 2026-02-09/bmo
Inst Owners103.1%
Inst Owner Change-0.27%
Ins Owners5.24%
Ins Owner Change0.17%
Market Cap1.76B
Revenue(TTM)6.76B
Net Income(TTM)17.00M
Analysts50
Price Target43.61 (-6.4%)
Short Float %10.47%
Short Ratio3.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.18% |
Yearly Dividend2.39
Dividend Growth(5Y)14.57%
DP529.41%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-114.22%
Min EPS beat(2)-188.88%
Max EPS beat(2)-39.57%
EPS beat(4)1
Avg EPS beat(4)-19.14%
Min EPS beat(4)-188.88%
Max EPS beat(4)175.03%
EPS beat(8)5
Avg EPS beat(8)-2.47%
EPS beat(12)8
Avg EPS beat(12)3.03%
EPS beat(16)11
Avg EPS beat(16)2.08%
Revenue beat(2)0
Avg Revenue beat(2)-1.38%
Min Revenue beat(2)-1.52%
Max Revenue beat(2)-1.25%
Revenue beat(4)0
Avg Revenue beat(4)-0.98%
Min Revenue beat(4)-1.52%
Max Revenue beat(4)0%
Revenue beat(8)0
Avg Revenue beat(8)-1.17%
Revenue beat(12)1
Avg Revenue beat(12)-0.97%
Revenue beat(16)4
Avg Revenue beat(16)-0.54%
PT rev (1m)-5%
PT rev (3m)-28.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-709.15%
EPS NY rev (1m)-14.5%
EPS NY rev (3m)-45.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.82%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.73 | ||
| Fwd PE | 18.13 | ||
| P/S | 0.26 | ||
| P/FCF | 34.44 | ||
| P/OCF | 20.42 | ||
| P/B | 20.19 | ||
| P/tB | 23.74 | ||
| EV/EBITDA | 25.65 |
EPS(TTM)1.68
EY3.61%
EPS(NY)2.57
Fwd EY5.52%
FCF(TTM)1.35
FCFY2.9%
OCF(TTM)2.28
OCFY4.9%
SpS179.23
BVpS2.31
TBVpS1.96
PEG (NY)N/A
PEG (5Y)N/A
Graham Number9.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 19.54% | ||
| ROCE | 3.33% | ||
| ROIC | 2.47% | ||
| ROICexc | 8.2% | ||
| ROICexgc | 8.8% | ||
| OM | 0.31% | ||
| PM (TTM) | 0.25% | ||
| GM | 14% | ||
| FCFM | 0.75% |
ROA(3y)6.8%
ROA(5y)7.23%
ROE(3y)165.84%
ROE(5y)N/A
ROIC(3y)21.27%
ROIC(5y)21.13%
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)28.67%
ROCE(5y)28.48%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-20.09%
OM growth 5Y-16.29%
PM growth 3Y-17.82%
PM growth 5Y-16.76%
GM growth 3Y-1.03%
GM growth 5Y-1.21%
F-Score5
Asset Turnover3.36
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.24 | ||
| Debt/FCF | 7.24 | ||
| Debt/EBITDA | 5.68 | ||
| Cap/Depr | 79.55% | ||
| Cap/Sales | 0.52% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 132.31% | ||
| Profit Quality | 300% | ||
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.12 | ||
| Altman-Z | 4.53 |
F-Score5
WACC8.47%
ROIC/WACC0.29
Cap/Depr(3y)84.91%
Cap/Depr(5y)130.99%
Cap/Sales(3y)0.57%
Cap/Sales(5y)0.93%
Profit Quality(3y)266.33%
Profit Quality(5y)232.59%
High Growth Momentum
Growth
EPS 1Y (TTM)-60.66%
EPS 3Y-3.4%
EPS 5Y-2.87%
EPS Q2Q%-151.28%
EPS Next Y-67.63%
EPS Next 2Y-15.16%
EPS Next 3Y-0.2%
EPS Next 5YN/A
Revenue 1Y (TTM)3.19%
Revenue growth 3Y9.79%
Revenue growth 5Y8.81%
Sales Q2Q%3.97%
Revenue Next Year3.92%
Revenue Next 2Y5.15%
Revenue Next 3Y6.34%
Revenue Next 5YN/A
EBIT growth 1Y-86.39%
EBIT growth 3Y-12.27%
EBIT growth 5Y-8.91%
EBIT Next Year-14.25%
EBIT Next 3Y18.11%
EBIT Next 5YN/A
FCF growth 1Y-84.53%
FCF growth 3Y28.47%
FCF growth 5Y26.48%
OCF growth 1Y-76.5%
OCF growth 3Y25.96%
OCF growth 5Y20.44%
INSPERITY INC / NSP FAQ
What is the ChartMill fundamental rating of INSPERITY INC (NSP) stock?
ChartMill assigns a fundamental rating of 4 / 10 to NSP.
Can you provide the valuation status for INSPERITY INC?
ChartMill assigns a valuation rating of 2 / 10 to INSPERITY INC (NSP). This can be considered as Overvalued.
Can you provide the profitability details for INSPERITY INC?
INSPERITY INC (NSP) has a profitability rating of 5 / 10.
Can you provide the financial health for NSP stock?
The financial health rating of INSPERITY INC (NSP) is 5 / 10.
Can you provide the expected EPS growth for NSP stock?
The Earnings per Share (EPS) of INSPERITY INC (NSP) is expected to decline by -67.63% in the next year.