# Insperity Inc. (NSP) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Industrials / Professional Services. Price $51.96, market value $2.0 billion.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Insperity Inc. reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 0.3×**. Each dollar of revenue is priced at 0.3×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 32.5×**. The shares trade at 32.5× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **EV / EBITDA: 41.7×**. Enterprise value is 41.7× operating earnings before depreciation, the multiple that ignores how the company is financed; above 20× is demanding.
- **Free-cash-flow yield: 9.8%** (5-yr avg 2.8%). Free cash flow equals 9.8% of the market value, above its five-year average of 2.8%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.

## Profitability
- **Gross margin: 12.9%**. Insperity Inc. keeps 12.9% of revenue after the direct cost of what it sells, a thin margin typical of retail, distribution and commodity businesses.
- **Operating margin: -0.0%**. Operating margin is negative: the business loses money before interest and tax.
- **Net margin: -0.1%**. The company reported a net loss over the last twelve months.
- **Return on equity: -15.2%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: 1.0%**. Return on all capital, debt included, is 1.0%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: -0.7%**. Each dollar of assets produces -0.7% of profit.

## Growth
- **Revenue growth (1 yr): 3.5%** (3-yr 4.7%/yr, 5-yr 9.7%/yr). Revenue grew 3.5% over the last year, against 9.7% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -107.9%**. Earnings per share fell 107.9%, slower than revenue, so margins compressed.

## Financial health
- **Debt to equity: 8.02**. Debt is 8.02 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Net debt / EBITDA: net cash**. Insperity Inc. holds more cash than debt.
- **Piotroski F-score: 2/9**. 2 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend yield: 4.62%** ($2.40 per share, trailing). Insperity Inc. yields 4.62%, an income-level yield.
- **Consecutive years of increases: 3**. 3 straight years of increases.
- **Dividend growth (5 yr): 8.4%/yr** (1-yr 1.3%). The dividend has grown 8.4% a year over five years.

## Price and momentum
- **Total return (1 yr): -0.5%** (YTD 40.5%, 3-mo 46.9%). The shares are down 0.5% over twelve months including dividends.
- **From 52-week high: -7.0%** (179.8% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): 0.17** (volatility 65%). Beta of 0.17 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=NSP · Page: https://foliofundamentals.com/stocks/nsp

Not investment advice.