Insperity, Inc. (NSP) stock

NSPNYSEServices-Help Supply ServicesFiscal year ends December 31

Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 9/30104% above fair value

$50.48+0.64 (+1.28%)

Close on Nov 13, 2026Market cap $1.92BP/E 560.9Yield –

Insperity statistics

103 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: Feb 9, 2027 (estimated, after the close)
Last ex-dividend date: Sep 2, 2026
Fundamentals through: Sep 30, 2026
Share price as of: Nov 13, 2026

Valuation ratiosIndustry

Market Cap: $1.92B; $792.38M
Enterprise Value: $1.74B; $779.89M
PE Ratio: 560.89; 25.88
PS Ratio: 0.28; 2.33
PB Ratio: 43.71; 2.73
P/TBV Ratio: 43.71; 4.73
P/FCF Ratio: 9.76; 15.38
P/OCF Ratio: 8.29; 12.99

Enterprise valuationIndustry

EV / Sales: 0.25; 2.10
EV / EBITDA: 27.67; 16.18
EV / EBIT: 87.15; 21.00
EV / FCF: 8.85; 15.48

Share statisticsIndustry

Shares Outstanding: 38M; 59M
Shares Change (YoY): 0.66%; 1.88%
Float: 36M; 53M
Shares Held by Insiders: 6.77%; 13.1%
Shares Held by Institutions: 112.4%; 62.6%

Short sellingIndustry

Short Interest: 3M; –
Short Interest Change: -7.30%; -3.30%
Short % of Float: 7.79%; 5.82%
Short % of Shares Outstanding: 7.27%; 4.22%
Days to Cover: 5.23; 3.54

Stock price statisticsIndustry

52-Week High: $55.90; –
52-Week Low: $18.57; –
20-Day Moving Average: $50.78; –
50-Day Moving Average: $49.84; –
200-Day Moving Average: $39.78; –
Average True Range (14): $2.64; –
Price Change (1 Week): 1.32%; 0.50%
Price Change (1 Month): -0.63%; -1.81%
Price Change (3 Months): 0.04%; -4.67%
Price Change (6 Months): 67.0%; 0.47%
Price Change (YTD): 30.4%; -13.6%
Price Change (1 Year): 49.9%; -13.9%
Price Change (3 Years): -54.7%; -16.1%
Price Change (5 Years): -58.0%; -57.0%
Price Change (10 Years): 41.9%; 46.4%
Average Volume (10 Days): 366,122; –
Average Volume (20 Days): 452,673; –
Average Volume (90 Days): 482,159; –
Relative Volume: 0.51; 0.64
Relative Strength Index (14): 50.5; 47.4
Volatility (1 Year): 64.7%; 65.4%
Beta (5 Years): 0.90; 1.19

MarginsIndustry

Gross Margin: 13.0%; 55.6%
Operating Margin: 0.29%; -2.03%
Pretax Margin: 0.30%; -0.85%
Profit Margin: 0.04%; -2.58%
EBITDA Margin: 0.91%; 0.72%
FCF Margin: 2.86%; 9.88%

Returns on capitalIndustry

Return on Equity (ROE): 4.58%; 1.34%
Return on Assets (ROA): 0.14%; -3.24%
Return on Capital Employed (ROCE): 3.19%; -0.55%

Financial positionIndustry

Current Ratio: 1.11; 1.37
Quick Ratio: 0.37; 0.94
Debt / Equity: 9.52; 0.51
Debt / EBITDA: 6.65; 2.60
Debt / FCF: 2.13; 2.79
Net Debt / EBITDA: -2.86; 1.41
Interest Coverage: 0.80; -0.55

GrowthIndustry

Revenue Growth (YoY): 2.12%; 9.45%
Net Income Growth (YoY): -82.4%; 9.41%
EPS Growth (YoY): -79.5%; 12.3%
FCF Growth (YoY): 286.3%; 14.3%
Revenue Growth (3Y CAGR): 4.68%; 7.44%
Revenue Growth (5Y CAGR): 9.70%; 12.3%

EfficiencyIndustry

Asset Turnover: 3.26; 0.64
Revenue Per Employee: $1.64M; $394.08K
Profits Per Employee: $714; -$7.02K
Employee Count: 4,200; 525
WACC: 8.58%; 10.3%

Income statement (TTM)Industry

Revenue: $6.90B; $257.79M
Gross Profit: $898.00M; $158.22M
Operating Income: $20.00M; -$638.82K
Pretax Income: $21.00M; -$315.88K
Net Income: $3.00M; -$309.55K
EBITDA: $63.00M; -$78.29K
EPS (Diluted): $0.09; $0.00

Balance sheetIndustry

Cash & Short-Term Investments: $599.00M; $41.99M
Total Debt: $419.00M; $179.41M
Net Cash (Debt): $180.00M; $1.76M
Net Cash Per Share: $4.72; $0.12
Equity (Book Value): $44.00M; $51.00M
Book Value Per Share: $1.15; $1.98
Tangible Book Value: $44.00M; $2.87M
Working Capital: $179.00M; $16.25M

Cash flow (TTM)Industry

Operating Cash Flow: $232.00M; $5.65M
Capital Expenditures: -$35.00M; -$5.67M
Free Cash Flow: $197.00M; $35.58M
FCF Per Share: $5.17; $0.53

Dividends and yieldsIndustry

Earnings Yield: 0.16%; 0.37%
FCF Yield: 10.2%; 4.39%
Buyback Yield: 0.52%; 3.39%
Shareholder Yield: 0.52%; 3.74%
Payout Ratio: 3033.3%; 30.7%
FCF Payout Ratio: 46.2%; 23.2%

Taxes and interestIndustry

Interest Expense: $25.00M; $3.48M
Income Tax: $18.00M; $1.63M
Effective Tax Rate: 85.7%; 22.4%

Scores and fair valueIndustry

Graham Number: $1.53; $16.88
Graham Upside: -97.0%; -55.0%
Altman Z-Score: 4.14; 1.96
Piotroski F-Score: 1; 5

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.

Period	NSP	S&P 500	Difference	NSP per year	S&P 500 per year
1 month	+2.2%	-3.0%	+5.2 pts
3 months	-5.0%	-2.8%	−2.2 pts
Year to date	+38.1%	+11.5%	+26.6 pts
1 year	+63.6%	+13.5%	+50.1 pts
3 years	-46.5%	+77.7%	−124.2 pts	-18.8%	+21.1%
5 years	-49.2%	+72.6%	−121.8 pts	-12.7%	+11.5%
10 years	+84.6%	+308.2%	−223.6 pts	+6.3%	+15.1%

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

3M NSP shares were sold short on Oct 30, 2026, down 7.3% from the previous report, or 7.79% of the shares available to trade. At recent volumes it would take 5.2 days to buy them back. Over the last 20 sessions, 60.3% of the volume reported to FINRA was short selling.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 30, 2026	2,767,707	-7.3%	528,996	5.2
Oct 15, 2026	2,985,608	+1.2%	359,829	8.3
Sep 30, 2026	2,950,395	-1.5%	532,803	5.5
Sep 15, 2026	2,993,971	-3.9%	366,666	8.2
Aug 31, 2026	3,114,808	+4.5%	275,990	11.3
Aug 14, 2026	2,979,284	-12.4%	513,140	5.8
Jul 31, 2026	3,400,813	-11.1%	734,433	4.6
Jul 15, 2026	3,825,435	-12.6%	647,645	5.9
Jun 30, 2026	4,378,779	-0.5%	974,836	4.5
Jun 15, 2026	4,400,336	+5.0%	754,369	5.8
May 29, 2026	4,192,247	-4.4%	658,719	6.4
May 15, 2026	4,385,618	-1.9%	819,045	5.3