Insperity, Inc. (NSP) AI Stock Analysis

Insperity, Inc., based in Kingwood, Texas, provides comprehensive human resources and business solutions designed to improve operational efficiency for small and medium-sized enterprises. Core offerings include payroll processing, employment administration, employee benefits management, workers' compensation, government compliance, and performance management, primarily delivered via Workforce Optimization and Workforce Synchronization solutions. The company deploys Insperity Premier, a cloud-based human capital management platform delivering professional employer organization outsourcing. Insperity also operates MarketPlace, an e-commerce portal offering Workforce Acceleration, covering time and attendance tracking, recruitment, retirement planning, organizational planning, employment screening, and insurance services.

Revenue expanded from $4.97B in FY2021 to $6.81B in FY2025, delivering a 5-year revenue CAGR of 9.7%. However, gross margin compressed from 16.5% in FY2021 to 13.2% in FY2025, while operating margin fell from 3.5% to -0.1%. Net income shifted from $124.1M in FY2021 to -$7.0M in FY2025. In the trailing twelve months ended June 30, 2026, revenue stood at $6.87B with an operating margin of 0.4% and an EPS of -$0.44. In the latest quarter, year-over-year revenue grew 1.7%, while quarterly earnings dropped 35.3%.

As of June 30, 2026, Insperity held $619.0M in cash and short-term investments alongside total debt of $478.0M, resulting in net cash of $141.0M. The current ratio stood at 1.11, while debt-to-equity was 7.84 on shareholders' equity of $61.0M. Operating cash flow in FY2025 fell to -$278.0M and free cash flow was -$309.0M. Capital deployment in FY2025 included $31.0M in capital expenditures, $19.0M in share buybacks, and $90.0M in dividends paid.

Insperity trades at a forward P/E of 18.1x, higher than the 17.2x median of its US-listed Industrials peers. Its EV/EBITDA multiple of 26.1x stands well above the peer median of 13.9x, while its price-to-sales of 0.3x is below the peer median of 1.5x. The company's PEG ratio is 1.42. Over the past year, Insperity's return of 17.0% closely tracked the S&P 500 (SPY) return of 16.8%, but its 5-year return of -47.4% lagged the S&P 500 return of 83.0%.

Insperity pays a quarterly dividend with an annual forward payout of $2.40, reflecting a dividend yield of 4.67%. The company has paid consecutive dividends for 22 years, with an annualized 5-year dividend growth rate of 8.4%. The reported payout ratio is 3.9%, and the last ex-dividend date was September 2, 2026.

Wall Street coverage consists of 1 Strong Buy, 3 Holds, and 1 Sell. The mean price target is $51.75, representing a 0.7% premium over the last close of $51.38. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $2.11 on revenue of $6.91B. Over the past four quarters, Insperity beat EPS estimates twice. The next earnings date is October 29, 2026.

This page is an AI-written research summary of Insperity, Inc. (NSP). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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