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Buy Day today: Good (62) Broad market participation · no major macro event
NSP

Insperity Inc

Industrials · Staffing & Employment Services · listed since 1997

50.00$ -3.0% vs. previous close Closing price · As of: Sep 17, 2026
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Assessment

Our Rating

A journalistic assessment by our editorial team at the time of the deep dive — it rates the company, not the entry point. Not investment advice and not a solicitation to buy or sell.

Open questions

The business works in principle, but one material question is open. As long as it stays open, our findings do not carry a quality verdict.

Why this colour

The business itself works: revenue rose again in 2025 to $6,812 million, client retention improved from 81 percent to 83 percent, equity is positive, all credit covenants were met at March 31, 2026, and the first quarter of 2026 was profitable with $33 million of net income. There is no substance finding in the sense of a going-concern warning, negative equity or a cash runway below four quarters. What is open is the decisive operating question: whether prices durably rise faster than health costs is not proven — one seasonally strong quarter with operating income below the prior year does not settle it. Add equity of only $67 million against $2,196 million of total assets, covenants loosened twice, a dividend not covered by 2025 earnings, and dependence on a single carrier that bears roughly 85 percent of health costs. This is the textbook case for yellow: a working business with an unproven turn. The share price does not determine this color. The decision is yours.

What the thesis turns on

Assessment: Opportunities & Risks

Insperity earns a narrow spread: in 2025, $45,565 million of gross billings ran through the books, $900 million remained as gross profit — and below it an operating loss of $10 million, the first in years. The cause is a gap the company quantifies itself: a 3 percent pricing increase against a 9 percent rise in benefits cost per covered employee. In the first quarter of 2026 that gap narrowed to 2.2 percentage points, yet operating income of $62 million still trailed the prior year's $68 million and worksite employees paid fell 1 percent — attributed in the filing to the company's own margin recovery efforts. The balance sheet carries only $67 million of equity, credit covenants were loosened twice in 2025, and the $90 million of dividends paid in 2025 was not covered by earnings. The chief executive bought roughly $12.6 million of stock between March and June 2026. Not investment advice.

Business model & market position

As co-employer for small and medium-sized U.S. companies, Insperity bundles workforces into a purchasing group for benefits — a value a forty-person shop cannot create alone. In 2025 it paid an average of 310,089 worksite employees per month and client retention rose from 81 percent to 83 percent. Revenue grew from $4,973 million in 2021 to $6,812 million in 2025 even though contracts are generally cancellable on 30 days notice.

Earnings power & margin break

Gross profit fell 14 percent to $900 million in 2025 and for the first time came in below operating expenses of $910 million. Operating income flipped from $250 million in 2022 through $117 million in 2024 to minus $10 million, and diluted earnings per share from $4.64 in 2022 to minus $0.19. The Form 10-K for 2025 gives the cause: a 3 percent pricing increase against a 6 percent rise in direct costs per worksite employee, driven by a 9 percent increase in benefits cost per participant.

Progress of the turn

In the first quarter of 2026 benefits cost per covered employee rose only 5.2 percent against an unchanged 3 percent pricing increase — the gap narrowed from 6 to 2.2 percentage points. Operating income of $62 million nonetheless trailed the prior-year quarter's $68 million, including $9 million of restructuring charges. Worksite employees paid fell 1 percent, which the filing attributes in part to the company's own margin recovery efforts.

Balance sheet & funding

At March 31, 2026, stockholders equity of $67 million sits within total assets of $2,196 million (about 3 percent), with $369 million drawn on the revolving facility. Of $555 million in cash and marketable securities, roughly $415 million was payable in April 2026 as taxes and payroll deductions and $104 million was client prepayments. In December 2025 lenders raised the leverage ceiling from 3.00 to 3.75; during 2025 dividends were carved out of the interest coverage covenant. All covenants were met at the reporting date.

Concentration risks

Roughly 85 percent of health insurance costs run through the UnitedHealthcare policy; an amendment dated November 3, 2025, extends it through 2028 and allows the per-participant exposure cap of $500,000 elected for 2026. At the same time the sales force shrank in 2025 from an average of 769 advisors to 612, while roughly 17 percent of the client base has to be replaced every year.

Valuation & market picture

A market capitalization of roughly $1.85 billion (38,169,182 shares at $48.35, as of July 24, 2026) equals about 0.27 times annual revenue; no price-to-earnings ratio can be formed for 2025. Measured against the $124 million to $179 million of net income earned between 2021 and 2023, the multiple would be between 10 and 15. The average analyst price target of $43.75 sits below the closing price, and short interest runs at about 12.4 percent of the float.

Worth Noting

Insperity reached the research list through our in-house stock scanner "Turnaround Candidates": rank 19 of 62 U.S. hits, turnaround check 7 of 8, as of July 25, 2026. These lists are recalculated daily — rank and score are a dated snapshot. The two mandatory pillars are a distance of at least 50 percent from the all-time high and an Altman Z score of at least 1.1 with positive equity. Pillar 2 is comfortably met at 4.05; pillar 1 is the tight one: the dividend-adjusted all-time high of July 26, 2019, stands at roughly $116, half of which is about $58. If the price rises above that threshold — roughly 20 percent above the July 24, 2026, close of $48.35 — the stock leaves the list without anything changing in the business.

The fiscal year matches the calendar year. The most recent periodic report is the Form 10-Q for March 31, 2026 (filed May 1, 2026); afterwards, through the data date of July 26, 2026, only a Form 8-K dated May 20, 2026, covering officer matters and annual meeting results (Items 5.02/5.07), Form 4 insider filings and Schedule 13G ownership filings were submitted. The report for the quarter ended June 30, 2026, was not yet available.

Price and valuation figures are dated anchors, not buy arguments: a closing price of $48.35 on July 24, 2026, and a market capitalization of roughly $1.85 billion, calculated on the 38,169,182 shares from the quarterly report cover page dated April 23, 2026. The first quarter is Insperity's seasonally strongest because U.S. payroll tax bases reset at the start of the year — extrapolating a first quarter to the full year reliably misleads.

As of July 26, 2026, no acquisition, merger or take-private process is pending; there is no Form S-4, no SC 13E3, no Form 25 and no Schedule 13D. The two Form 15-12B filings of December 8, 2017, and May 26, 2021, cover other classes of securities — the 2021 filing expressly names rights to purchase preferred stock and states that the reporting duty for the common stock remains.

Risk of confusion: on the New York Stock Exchange the ticker NSP stands for Insperity, Inc., not for a network or utility operator. The former name Administaff, Inc. appears in documents up to March 1, 2011. Operating cash flow is no quality metric at a payroll processor: the swing from plus $520 million in 2024 to minus $278 million in 2025 largely follows where payroll dates fall around the balance sheet date.

Read the Full Deep Dive Insperity: $45.6 Billion Flows Through, a $10 Million Loss Stays Behind Insperity is the employer that appears on nobody's business card: roughly 310,000 people work at small U.S. companies and sit on this Texas company's payroll. In 2025, $45,565 million of gross billings ran through the books. Gross profit came to $900 million — ten million less than the business cost to run that year. One scissor movement explains it: benefits cost per covered employee rose 9 percent, pricing only 3 percent. We read the annual report and the quarterly report for March 31, 2026, and check whether that gap is really closing. Dated numbers instead of opinions with exclamation marks. Read the analysis →

Stock Watch

This analysis is as of August 26, 2026. Stock Watch will tell you what's changed at NSP since then.

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Price history

Chart

Interactive price chart (TradingView).

52-week range: 19.90 $ to 54.00 $ · Last price: 50.00 $ (As of: September 17, 2026)

Key figures

Key figures at a glance

Every figure we hold for this stock, grouped by topic. The question mark next to a label explains what the number means.

Basics

Market Cap ?The value of the entire company on the market: share price times total shares outstanding. 1.8$B
Shares Outstanding ?Total number of shares issued. Price times share count gives market cap. 38m
Float ?Share of stock freely tradable on the market — not locked up in the hands of founders, insiders, or major shareholders. 93.7%
Beta ?Volatility versus the overall market: 1 = moves like the market, 2 = twice as much, under 1 = calmer than the market. 0.5

Performance

Perf. 1M ?Price performance over the last month. 27.40%
Perf. 3M ?Price performance over the last 3 months. 63.70%
Perf. 6M ?Price performance over the last 6 months. 16.00%
YTD Performance (%) ?Price performance since the start of the year (Year to Date). 0.10%
52-Week-High Distance ?How far the price sits below its highest point over the last 52 weeks. 0% means the stock is at its year high. -39.3%
Perf. 1Y ?Price performance over the last 12 months. 4.87%
Perf. 3Y ?Price performance over the last 3 years. -41.87%
Perf. 5Y ?Price performance over the last 5 years. -43.08%
Perf. 10Y ?Price performance over the last 10 years. 87.50%
Perf. Since Inception ?Price performance since the first available trading day (01/29/1997) — with a complete history, that is since the IPO. 1,554.91%

Technical Indicators

MA 38 Days ?Moving average of the last 38 trading days: the smoothed price path. A price above it signals short-term strength. 51.70$
MA 50 Days ?Moving average of the last 50 trading days — the most widely watched medium-term trend line. 50.90$
MA 200 Days ?Moving average of the last 200 trading days — the dividing line between a long-term uptrend and downtrend. 37.90$
RSI (14) ?Relative Strength Index over 14 days, scale 0 to 100: above 70 counts as overbought, below 30 as oversold. A hint on timing, not a verdict on the company. 46.2
Volatility 30 Days ?Price swings over the last 30 trading days, annualized. The higher the value, the more the price fluctuates. 38.0%
Volatility 250 Days ?Price swings over the last 250 trading days (roughly one market year), annualized. 66.5%

Calculated from the price history · as of 09/18/2026

Valuation

P/E ?Price-to-earnings ratio: how many years of profit does the stock cost? The lower, the cheaper the valuation. No earnings means no P/E. –
Forward P/E ?P/E based on expected earnings for the next 12 months instead of past earnings — analysts' bet on the future. 19.2
PEG ?P/E divided by expected earnings growth: puts valuation in relation to growth. Around 1 is considered fair, well above that is pricey. 1.4
P/B ?Price-to-book ratio: market value relative to book equity. 30.8
P/S ?Price-to-sales ratio: market value divided by annual sales. Important for companies that aren't (yet) profitable. 0.3
EV/EBITDA ?Enterprise value including debt (EV) relative to operating profit before depreciation and amortization (EBITDA) — more comparable than P/E because debt counts too. Extreme values arise when EBITDA is near zero. 27.7
Price/FCF ?Market value divided by free cash flow: how many years of freely available cash does the stock cost? More honest than P/E because cash flow is harder to dress up. 9.1

Profitability

Gross Margin ?Gross margin: what's left of sales after only direct production costs are deducted — the product's pricing power. 12.9%
EBIT Margin ?EBIT margin: operating profit as a percentage of sales — the earning power of the core business before interest and taxes. 3.3%
Net Margin ?Net margin: what's left of sales as profit after ALL costs, interest, and taxes. -0.2%
Return on Equity ?Return on equity: how much profit does the company generate per year on shareholders' equity? -26.9%
Return on Assets ?Return on assets: how much profit the company generates from its total assets (equity and debt combined). -0.1%

Balance Sheet & Safety

Equity Ratio ?Equity ratio: equity as a share of total assets. The higher, the more resilient the balance sheet. very low 3.1%
Debt/Equity ?Leverage ratio: financial debt divided by equity. Under 1 is generally seen as solid; negative values mean negative equity. 6.4
Altman Z″ ?Edward Altman's bankruptcy early-warning score. We use the Z″ variant, built from four balance-sheet ratios — it is designed for service companies and non-manufacturers and uses book value instead of market value. On that scale: below 1.1 = danger zone, 2.6 and up = safe zone, in between a grey area. Because the classic Altman Z is calculated differently, the two numbers are not directly comparable. The formula does not fit banks, insurers, or real-estate stocks. 4.70
Piotroski ?Balance-sheet health check by Joseph Piotroski: 9 yes/no criteria on profit, cash flow, leverage, and efficiency. 7+ is very solid, under 3 is a red flag. 3 out of 9

Growth

Sales Growth Last Quarter ?Sales growth in the most recently reported quarter versus the same quarter a year ago (YoY). 1.70%
EPS Growth Last Quarter ?Growth in earnings per share in the most recently reported quarter versus the same quarter a year ago (YoY). -35.30%
Sales Growth (Year) ?Sales growth in the last fiscal year versus the year before. 3.51%
Forward Sales Growth ?Sales growth analysts expect over the next 12 months — an estimate, not a guarantee. 5.05%
Forward EPS Growth ?Earnings-per-share growth analysts expect over the next 12 months — an estimate, not a guarantee. 36.10%

Dividend

Dividend Yield ?Annual dividend divided by the current price: what percentage of your investment comes back as a payout each year. 4.66%
Dividend Per Share (TTM) ?Sum of dividends paid per share over the last 12 months. 2.40$
Payout Ratio ?Share of profit paid out as dividends. Over 100% means the company is paying out more than it earns — not sustainable long-term. 3.9%
Years Without a Cut ?How many years in a row the dividend hasn't been cut — a measure of reliability. 3Years
Increase Streak ?How many years in a row the dividend has been raised — the gold standard for dividend payers. 3Years

Quality & Screener

Stage ?Weinstein phases 1 through 4: 1 = basing, 2 = uptrend (the only buy phase), 3 = topping, 4 = downtrend. Measured against the 30-week line. 3
RS Rating ?Relative strength from 1 to 99: an RS of 95 means the stock has outperformed 95% of all stocks. 42
EPS Rating ?Earnings growth rating from 1 to 99 versus all stocks — high values mean above-average earnings growth. 19
Fundamental Rating ?Our own Fundamental Rating: 0 to 100 points with an A+ to F grade. 50 points is the average across the universe, 100 the best possible score. It scores growth, earnings surprises, analyst estimates, margins, cash flow, and balance-sheet safety — every stock percentile-ranked against all others. Grades: A+ from 95, A from 75, B from 55, C from 45, D from 25, E from 5, F below. D (44 out of 100)

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Comparison

Industry comparison

The stock alongside the largest companies in the same group. The median row is the middle value of the companies shown above — not of the whole industry.

Industry: Staffing & Employment Services

Industry comparison
Company Market cap ($B) P/E EV/EBITDA Gross Margin % EBIT Margin % Sales Growth (Year) % Perf. 1Y %
Insperity Inc NSP 1.8 – 27.7 12.9 3.3 3.5 4.9
Korn Ferry KFY 4.0 14.8 7.9 24.7 14.7 6.4 9.8
Robert Half International Inc RHI 3.8 – 44.3 36.8 2.8 -7.2 16.5
TriNet Group Inc TNET 3.1 21.0 9.9 17.7 11.2 -0.9 1.7
ManpowerGroup Inc MAN 2.6 – 9.7 16.2 1.0 0.6 60.2
Kforce Inc. KFRC 0.9 25.9 17.7 27.7 – -5.4 79.8
Barrett Business Services Inc BBSI 0.8 22.9 11.2 20.6 – 8.4 -27.7
Kelly Services B Inc KELYB 0.8 – 13.9 19.7 1.9 -1.9 64.5
Kelly Services A Inc KELYA 0.5 – 13.9 19.7 – -1.9 20.0
Median of companies shown 1.8 22.0 13.9 19.7 3.1 -0.9 16.5

Based on the most recently reported figures. Only stocks from the same trading venue are lined up, so the market caps are counted in one currency. Compare in a chart →

Fiscal years

Annual Figures

Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.

Revenue, operating income and net income per fiscal year $M

Revenue Operating income Net income

2016 · Revenue: 2,941 $M 2016 · Operating income: 106 $M 2016 · Net income: 66 $M 2017 · Revenue: 3,300 $M 2017 · Operating income: 130 $M 2017 · Net income: 84 $M 2018 · Revenue: 3,829 $M 2018 · Operating income: 179 $M 2018 · Net income: 135 $M 2019 · Revenue: 4,315 $M 2019 · Operating income: 187 $M 2019 · Net income: 151 $M 2020 · Revenue: 4,287 $M 2020 · Operating income: 195 $M 2020 · Net income: 138 $M 2021 · Revenue: 4,973 $M 2021 · Operating income: 173 $M 2021 · Net income: 124 $M 2022 · Revenue: 5,939 $M 2022 · Operating income: 250 $M 2022 · Net income: 179 $M 2023 · Revenue: 6,486 $M 2023 · Operating income: 219 $M 2023 · Net income: 171 $M 2024 · Revenue: 6,581 $M 2024 · Operating income: 117 $M 2024 · Net income: 91 $M 2025 · Revenue: 6,812 $M 2025 · Operating income: -10 $M 2025 · Net income: -7 $M
2016201720182019202020212022202320242025
Annual Figures
Fiscal Year Revenue ($M) EBIT ($M) Net Income ($M) EPS ($) Operating Cash Flow ($M) Equity ($M) Total Assets ($M)
2016 2,941 106 66 1.58 133 61 907
2017 3,300 130 84 2.05 204 66 1,064
2018 3,829 179 135 3.27 184 78 1,192
2019 4,315 187 151 3.74 205 4 1,395
2020 4,287 195 138 3.56 346 44 1,584
2021 4,973 173 124 3.19 260 -2 1,753
2022 5,939 250 179 4.64 348 81 2,039
2023 6,486 219 171 4.46 198 94 2,120
2024 6,581 117 91 2.39 520 97 2,597
2025 6,812 -10 -7 -0.18 -278 46 2,203

Quarters

Quarterly Figures

Each bar is one quarter, the last one is the most recent. Use the switch to step through the individual figures.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.

These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.

The figures could not be loaded right now.

Sales Per Quarter ($M)
2024: Q4 · 1,613.0 $M Q4 2025: Q1 · 1,863.0 $M Q1 2025: Q2 · 1,658.0 $M Q2 2025: Q3 · 1,623.0 $M Q3 2025: Q4 · 1,668.0 $M Q4 2026: Q1 · 1,895.0 $M Q1 2026: Q2 · 1,686.0 $M Q2

Source: fundamental data

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 -0.22 -142.30 1,613 2.10 -0.60 619 606
2025: Q1 1.34 -35.40 1,863 3.40 2.70 -443 -449
2025: Q2 -0.14 -129.20 1,658 3.30 -0.30 -79 -86
2025: Q3 -0.53 -766.70 1,623 4.00 -1.20 -11 -20
2025: Q4 -0.88 – 1,668 3.40 -2.00 255 246
2026: Q1 0.88 -34.80 1,895 1.70 1.70 -67 -73
2026: Q2 0.10 171.40 1,686 1.70 0.20 48 41

What Do These Terms Mean?

EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

Compare with other stocks →

Screening

Appears in These Scanners

This stock currently matches 14 of our scanner strategies — each hit links to the scanner.

Quality & Balance Sheet

Breakout & Setup

Dividends

Momentum & Trend

Research

Risk & Weakness

Value & GARP

Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. Scanners marked in red are red-flag signals (risk/short scanners) — appearing there is not a seal of approval. View all scanners

Outlook

Analysts & Price Target

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Consensus Hold 1 = Strong buy … 5 = Strong sell
Analyst Ratings 5
Price Target (average) 51.75$
Distance to price 3.5% The price target sits 3.5% above the current price.

Distribution of Recommendations

Strong Buy 0
Buy 1
Hold 3
Sell 1
Strong Sell 0

Estimates by Fiscal Year

Estimates by Fiscal Year
Fiscal Year EPS Estimate ($) EPS Range ($) Revenue Estimate ($M) Expected Growth Analysts
12/31/2026 2.11 2.05 – 2.19 6,907 105.2% 5
12/31/2027 2.70 2.25 – 3.00 7,202 27.7% 5

Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.

Valuation

What is priced in?

Instead of guessing what the stock is worth, we turn the question around: what free cash flow growth has to happen for today’s market value to add up? The assumptions behind it can be moved.

Today’s market value implies roughly -8.4% growth in free cash flow per year over ten years (assumptions: discount rate 10.0%, terminal growth 2.5%).

What is priced in?
Free cash flow (last twelve months) $275.0M
Market cap $1.76B
Free cash flow in year ten $114.9M
Terminal value as a share of market value 34.5%

It shows which assumption is built into today’s price, not whether that assumption will hold. Every assumption can be changed with the sliders; the figures move with them.

A simplified model calculation — not a forecast and not a recommendation.

AI classification

AI Rating

Uses AI

Insperity setzt KI operativ ein — im Geschäftsbericht 10-K für 2025 nennt das Unternehmen selbst entwickelte KI-gestützte Werkzeuge für die eigenen Servicemitarbeiter und den Wettbewerbszwang, KI in die eigenen Lösungen zu bringen; eine eigene KI-Umsatzquelle wird in keinem der geprüften Berichte ausgewiesen.

View the full file — quotes, sources, reviewed filings
„We have developed AI-based technologies to assist our service personnel in addressing client needs and are working to expand certain AI-based tools for our clients and WSEEs."

Wir haben KI-gestützte Technologien entwickelt, die unser Servicepersonal bei der Bearbeitung von Kundenanliegen unterstützen, und arbeiten daran, bestimmte KI-gestützte Werkzeuge auf unsere Kunden und die bei ihnen beschäftigten Mitarbeiter auszuweiten.

10-K · 2026-02-11 · View SEC filing

„Further, in order to effectively compete in this environment, we must identify and predict trends, and adapt our technology and service offerings accordingly, including by leveraging AI in our solutions."

Um in diesem Umfeld wirksam bestehen zu können, müssen wir außerdem Trends erkennen und vorhersagen und unsere Technologie und unser Leistungsangebot entsprechend anpassen — auch dadurch, dass wir KI in unseren Lösungen nutzen.

10-K · 2026-02-11 · View SEC filing

„These costs are further impacted by a number of factors, including coverage options elected by employees, macro-economic changes, proposed and enacted regulatory changes, wide-spread health-related outbreaks, increased utilization of new pharmaceuticals, and the use of AI-based billing solutions by healthcare providers."

Diese Kosten werden zusätzlich von mehreren Faktoren beeinflusst, darunter die von den Beschäftigten gewählten Versicherungsoptionen, gesamtwirtschaftliche Veränderungen, geplante und beschlossene Regeländerungen, großflächige Krankheitsausbrüche, die stärkere Nutzung neuer Arzneimittel und der Einsatz KI-gestützter Abrechnungslösungen durch Leistungserbringer im Gesundheitswesen.

10-K · 2026-02-11 · View SEC filing

Filings Reviewed: 10-Q 2026-05-01 · 10-K 2026-02-11 · 10-Q 2025-11-04 · 10-Q 2025-08-01 · 10-Q 2025-04-29 · 10-K 2025-02-11

Rated on July 26, 2026 · How the Rating Is Built

Growth

Growth Score

Ten checks against the annual reports — each one passed counts a point.

3 of 10 Weak growth
  • Revenue grows by more than 15% a year over three years 4.7%
  • More than 10% revenue growth is expected for the coming year 5.1%
  • Share count grows by less than 3% a year -0.5%
  • Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") -1.0%
  • Gross margin at 40% or higher and without meaningful erosion 13.2%
  • Goodwill from acquisitions does not grow faster than revenue 0.6%
  • Net debt below twice EBITDA 225 m net cash
  • Operating cash flow covers the profits of the last three years 185 m
  • Return on capital at 15% or higher, or up versus two years ago -1.7%
  • Insiders hold at least 10% or are net buyers 6.3%

A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail

Quality check

AAQS

2/10

The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).

  • Sales growth 10Y > 5% 9.8%
  • Exp. sales growth 3Y > 5% 2.8%
  • EBIT growth 10Y > 5% –
  • Exp. EBIT growth 3Y > 5% 2.8%
  • Net debt < 4x EBIT –
  • EBIT positive, 10Y straight 9
  • Max. EBIT decline < 50% 100.0%
  • Return on equity > 15% -35.0%
  • ROCE > 15% -1.7%
  • Expected return > 10% -15.3%

View stocks with the full AAQS score · Read the methodology at AlleAktien

Source: fundamental data

Insiders

Insider Transactions

Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.

Insider Transactions
Date Person Role Type Shares Price Value
Sep 11, 2026 Sarvadi Paul J Chairman of the Board & CEO Other 7,500 0.00 –
Aug 17, 2026 Sarvadi Paul J Chairman of the Board & CEO Other 30,000 0.00 –

View all insider transactions →

The company

About the Company

Insperity, Inc. beschäftigt sich mit der Bereitstellung von Personal- (HR) und Geschäftslösungen zur Verbesserung der Geschäftsleistung kleiner und mittlerer Unternehmen hauptsächlich in den USA.

CEO Insider Trades (12 Mo.)
selling own stock
Employees
304,407
Headquarters
Kingwood, TX
Address
19001 Crescent Springs Drive, 77339 Kingwood, United States
Phone
281 358 8986
IPO Date
01/28/1997
ISIN
US45778Q1076
Stock Split
2:1 on 12/19/2017
Stock Split
2:1 on 10/17/2000

Management

Management
Name Title Birth Year
Paul J. Sarvadi Co-Founder, Chairman & CEO 1957
Arthur A. Steve Arizpe President & COO 1958
James D. Allison CPA Executive VP of Finance, CFO & Treasurer 1969
Christian P. Callens Senior VP of Legal, General Counsel & Secretary 1972
Sean P. Duffy Senior Vice President of Finance and Accounting –
Thomas P. Gearty Senior Vice President of Corporate Development –
Laura Wilbanks Senior Vice President of Marketing & Business Development 1968
Keith Simmons Senior Vice President of Sales –
JaNette Connell Senior Vice President of Corporate Human Resources –
Kathryn A. Johnson Executive Vice President of Strategic Development 1958

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Filings

Company Filings (8-K)

An 8-K is the filing a US company must use to disclose material events immediately — takeovers, changes at the top, major contracts or payment troubles, for instance. The links open the original document at the US Securities and Exchange Commission (SEC).

  • 07/29/2026 INSPERITY, INC. (NSP): Results of Operations and Financial Condition; Financial Statements and Exhibits SEC ↗

Data as of: September 17, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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