Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI Summary - About
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
09/28/2026: NSP (1-star) is a SELL. SELL for 3 days. Simulated Profits (57.05%). Updated daily EoD!
Insperity Inc is a prominent provider of human resources and business performance services, primarily operating through a professional employer organization (PEO) model for small and medium-sized businesses. The company holds a solid market position due to its high-touch service model and long-term client relationships. Its growth strategy is driven by expanding its proprietary HR technology platform and capturing more mid-market clients. However, the company faces risks from intense competition, healthcare cost volatility, and sensitivity to macroeconomic trends affecting SMB hiring. It may suit dividend-focused or value-oriented investors seeking stable exposure to the HR services sector, provided they monitor healthcare claim performance and competitive pricing pressures.
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 | While the company has a steady history of growth, it operates in a mature, competitive sector. |
| Momentum investor | Mixed fit | Strong fit requires a positive price upturn signal due to the stock's sensitivity to macroeconomic cycles. |
| Value investor | Strong fit | The stock often trades at valuation multiples that may attract value-oriented investors looking for stable cash flows. |
| Dividend investor | Strong fit | Insperity offers a reliable dividend supported by consistent cash generation. |
| Low-risk investor | Mixed fit | Despite stable operations, the stock is subject to price volatility based on labor market and healthcare cost data. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price can react sharply to quarterly earnings reports involving healthcare cost fluctuations. |
| Valuation risk | Medium | Market expectations for growth in the PEO sector can lead to periodic valuation re-ratings. |
| Competition risk (Payroll giants) | High | Larger competitors like ADP have massive scale and deep marketing budgets that can pressure pricing. |
| Business quality | Strong | The co-employment model creates sticky client relationships and high recurring revenue. |
| Dividend income | Medium | Dividends are stable but the focus is often balanced against reinvestment needs. |
| Execution risk | Medium | Successfully managing the healthcare claims experience of thousands of employees is critical to profitability. |
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 12.48% | Avg. Invested days 40 | Today’s Advisory SELL |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/28/2026 |
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 1.83B USD | Price to earnings Ratio - | 1Y Target Price 51.75 |
Price to earnings Ratio - | 1Y Target Price 51.75 | ||
Volume (30-day avg) 381.5K shares | Beta 0.53 | 52 Weeks Range 18.03 - 55.25 | Updated Date 09/27/2026 |
52 Weeks Range 18.03 - 55.25 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 5.01% | Basic EPS (TTM) -0.44 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| PEO Services | Bundled payroll, benefits, and HR administration fees. | The primary source of revenue is service fees charged for managing human resources for client companies. |
| Insurance Services | Premiums for workers' compensation and employee benefits. | Insperity generates revenue by pooling insurance needs, which can be sensitive to healthcare inflation. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE - | Forward PE 18.15 | Enterprise Value 1.72B | Price to Sales(TTM) 0.27 |
Enterprise Value 1.72B | Price to Sales(TTM) 0.27 | ||
Enterprise Value to Revenue 0.25 | Enterprise Value to EBITDA 26.13 | Shares Outstanding 38.20M | Shares Floating 35.81M |
Shares Outstanding 38.20M | Shares Floating 35.81M | ||
Percent Insiders 6.25 | Percent Institutions 115.55 |
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.