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Insperity Inc(NSP)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for NSP
09/16/2026: NSP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Insperity is a prominent professional employer organization (PEO) providing HR, payroll, and benefits services to small and medium-sized businesses. The company is known for its high-touch service model and strong client retention, which drive consistent recurring revenue. Its primary growth opportunity lies in increasing the adoption of its HR software platforms and expanding into new markets. However, the business faces significant risks, including sensitivity to healthcare cost inflation, intense competition from major payroll incumbents, and potential economic headwinds for its SME client base. Insperity may suit value-oriented and dividend-seeking investors who value financial stability and steady growth over rapid expansion.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers steady, predictable growth rather than rapid, disruptive expansion. |
| Momentum investor | Weak fit | The stock tends to trade based on long-term fundamentals rather than short-term price momentum. |
| Value investor | Strong fit | The company often trades at valuations that reflect its stable, cash-generative business model. |
| Dividend investor | Strong fit | Consistent dividend payments make it an attractive option for income-focused portfolios. |
| Low-risk investor | Mixed fit | While the business is stable, it remains susceptible to economic cycles and healthcare cost volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can react sharply to quarterly fluctuations in healthcare benefit costs. |
| Valuation risk | Low | The company typically trades in line with its long-term earnings growth prospects. |
| Competition risk (Payroll and HR Services) | High | Intense competition from major payroll providers puts pressure on pricing and market share. |
| Business quality | Strong | High client retention rates indicate a strong and defensible service-based business model. |
| Dividend income | Medium | Dividends are reliable but not aggressive, prioritizing reinvestment and share buybacks. |
| Execution risk | Medium | Maintaining high-touch service standards while growing the customer base requires effective talent management. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Highly Choppy
The stock has experienced frequent, large price swings that make its near-term movement less predictable.
Analysis of Past Performance
Type Stock | Historic Profit 20.91% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/16/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.97B USD | Price to earnings Ratio - | 1Y Target Price 51.75 |
Price to earnings Ratio - | 1Y Target Price 51.75 | ||
Volume (30-day avg) 361.4K shares | Beta 0.53 | 52 Weeks Range 18.03 - 55.25 | Updated Date 09/16/2026 |
52 Weeks Range 18.03 - 55.25 | Updated Date 09/16/2026 | ||
Dividends yield (FY) 4.71% | Basic EPS (TTM) -0.44 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Workforce Optimization (PEO) | Service fees charged for payroll, benefits, and HR administration. | This is the primary revenue driver, acting like a subscription service for essential business functions. |
| Human Capital Management | HR consulting and software fees. | This segment provides additional, higher-margin revenue streams independent of the PEO model. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE - | Forward PE 18.94 | Enterprise Value 1.81B | Price to Sales(TTM) 0.29 |
Enterprise Value 1.81B | Price to Sales(TTM) 0.29 | ||
Enterprise Value to Revenue 0.26 | Enterprise Value to EBITDA 27.36 | Shares Outstanding 38.20M | Shares Floating 35.77M |
Shares Outstanding 38.20M | Shares Floating 35.77M | ||
Percent Insiders 6.25 | Percent Institutions 115.51 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Insperity Inc
Exchange NYSE | Headquarters Kingwood, TX, United States | ||
IPO Launch date 1997-01-28 | Co-Founder, Chairman & CEO Mr. Paul J. Sarvadi | ||
Sector Industrials | Industry Staffing & Employment Services | Full time employees 304407 | Website https://www.insperity.com |
Full time employees 304407 | Website https://www.insperity.com | ||
Insperity, Inc. engages in the provision of human resources (HR) and business solutions to improve business performance for small and medium-sized businesses primarily in the United States. It offers Insperity HR360 solution, a full-service PEO solution delivering HR technology, compliance, and strategic support for small and midsize businesses; Insperity HRCore, a streamlined HR platform for payroll, compliance, and workforce management; and Insperity HRScale, a scalable HR solution combining Insperity expertise with Workday technology for businesses. The company also provides performance solutions, including talent acquisition, retirement, and insurance services; contractor management; and Perks+ services. In addition, it offers human capital management and payroll services solution; integrated payroll; benefits administration; HR administration and employee onboarding; time and attendance; and performance management services. The company was formerly known as Administaff, Inc. and changed its name to Insperity, Inc. in March 2011. Insperity, Inc. was founded in 1986 and is headquartered in Kingwood, Texas.
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