Insperity Inc. Common Stock (NSP)

FairStock Score: 19/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look first at whether the business earns durable profits. Insperity provides HR and business solutions to small and midsize businesses. The filed figures show deterioration: in FY2023, the year ended 2023-12-31, revenue was $6.5B and net income was $171.0M; in FY2024, the year ended 2024-12-31, revenue was $6.6B and net income was $91.0M; in FY2025, the year ended 2025-12-31, revenue was $6.8B and net income was -$7.0M, or diluted EPS -$0.19. In fiscal Q3 2025, the quarter ended 2025-09-30, Insperity reported a net loss of $20.0M, or diluted EPS -$0.53. More recently, in fiscal Q1 2026, the quarter ended 2026-03-31, revenue was $1.9B and net income was $33.0M, or diluted EPS $0.88. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $1.7B, net income was $4.0M, and diluted EPS was $0.10. So revenue is broadly stable but margins are wafer-thin. At the 2026-10-13 close of $49.40, FairStock calculates a negative P/E of -112.27, P/B of 30.88, ROE of -18.50%, ROCE of -0.09%, and EV/EBITDA of 26.45. The dividend yield is 4.77% and beta is 0.53, but FY2025 was a loss; FairStock calculates Altman Z at 1.78 and Piotroski at 5/9. Offsetting this, trailing free cash flow is $194.0M, a 10.3% FCF yield, and FairStock classifies the stock as a TURNAROUND—loss in latest year after earlier profits—with a FairStock Score of 19/100. The asset and earnings cushion is thin; I need evidence that margins and earnings are recovering, not just cash flow, before calling this a value opportunity.

In plain English: Insperity provides human resources and business services, mostly to small and medium-sized businesses in the United States. The business looks weak right now because it lost money in FY2025 and profits have fallen sharply since FY2023 and FY2024, though it made a small profit in the fiscal Q2 2026 quarter. At the recent price, the shares look expensive compared with those weak profits and the company's assets, even though the company does produce cash.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer