Insperity, Inc.

Consumer Discretionary
Professional Services
www.insperity.com

Earnings Score
Moat Score
Safety Score

Market Cap $2.43B
PE 39
Debt $369.00M
Cash $846.00M
EV $1.96B
FCF $7.00M

Earnings

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Sales & Net Margins

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Earnings	$63.00M
EBIT	$87.00M
ROE	53%
ROA	4%
FCF	$7.00M
Equity	$119.00M
Growth Stability	58%
PE	38.62
PEG	-9.69
PB	20.45
P/FCF	347.59
P/S	0.37
Price/Cash	0.35
Debt/Equity	3.1
Debt/FCF	52.71
Net Margins	3%
Gross Margins	15%
Op. Margins	1%
Earnings CAGR	8%
Sales Growth YoY	3%
Sales Growth QoQ	15%
Sales CAGR	11%
FCF CAGR	7%
Equity CAGR	-0%
Earnings Stability	0.29
Earnings Growth YoY	-35%
Earnings Growth QoQ	-667%
Earnings CAGR 5Y	-4%

Sales CAGR 5Y	12%
FCF CAGR 5Y	-14%
Equity CAGR 5Y	25%
Earnings CAGR 3Y	6%
Sales CAGR 3Y	6%
FCF CAGR 3Y	-47%
Equity CAGR 3Y	35%
Market Cap	$2.43B
Revenue	$6.64B
Dividend Yield	4%
Payout Ratio	144%
Assets	$2.14B
Total Debt	$369.00M
Cash	$846.00M
Shares Outstanding	37.23M
EV	1.96B
Earnings Score	13%
Moat Score	70%
Safety Score	48%
Final Score	44%
Working Capital	188M
Current Ratio	1.13
Gross Profit	$1.02B
Shares Growth 3y	-1%
Equity Growth QoQ	23%
Equity Growth YoY	-15%

Assets & ROA

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Stockholders Equity & ROE

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Insperity Inc is a company that primarily provides a wide range of human resources and business solutions that help businesses improve their performance. Small and midsize enterprises are the company's primary target customers. Most of the company's products are offered through the company's Workforce Optimization and Workforce Synchronization solutions, which comprise various human resource functions, such as payroll and employment administration, employee benefits and compensation, government compliance, performance management, training and development services, and human capital management. The company generates all of its revenue in the United States.

SEC Filings

Direct access to Insperity, Inc. (NSP) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2025
- 10-Q Mar 31
2024
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Insperity, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Insperity, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 8%

Stability 29%

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Insperity, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Insperity, Inc..

Years

Calculation mode

= $114M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$7M	$7.5M	$8M	$8.6M	$9.2M	$9.9M	$11M	$11M	$12M	$13M	$14M	$139M
DCF		$6.8M	$6.6M	$6.5M	$6.3M	$6.1M	$6M	$5.8M	$5.7M	$5.5M	$5.4M	$54M
Value	$114M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Net Margins	2%	2%	3%	3%	3%	3%	2%	3%	3%	1%	3%
ROA	-	12%	13%	16%	14%	12%	10%	12%	11%	5%	4%
ROE	-	109%	125%	172%	4K%	311%	-7K%	221%	183%	94%	53%

Bad Net Margins (2.74%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Debt over FCF	-	1.06	0.61	0.97	1.81	1.49	1.63	1.16	2.33	0.77	52.71
Debt over Equity	0	1.72	1.57	1.86	66.05	8.37	-208.23	4.55	3.95	3.8	3.1
Growth Stability	-	-	-	100%	100%	100%	88%	100%	100%	58%	58%

Bad Debt/FCF ratio (52.71)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Bad Debt/Equity ratio (3.1)

The company is overleveraged and has a bad balance between equity and debt.

Bad Graham’s Stability (58%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	CAGR 5Y
Revenue YoY growth	-	13%	12%	16%	13%	-1%	16%	19%	9%	1%	12%
Earnings YoY growth	-	68%	26%	61%	12%	-8%	-10%	45%	-4%	-47%	-4%
Equity YoY growth	-	-65%	10%	17%	-95%	982%	-104%	-5K%	15%	4%	25%
FCF YoY growth	-	109%	73%	-13%	-0%	67%	-8%	40%	-50%	204%	-14%