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Insperity Inc (NSP) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Insperity Inc stock $17.38, price $49.82, that is 65.1% below the price, quality 54 out of 100. Rating: strongly overvalued. Calculated from audited financials with 2 of our 26 valuation models and 37 quality factors, updated daily.

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Industrials US

II Insperity Inc logo Thin data Nov 7, 2026

Insperity Inc

NSP · US
Solid, but very expensive

Our calculation puts a fair price 65% below what the stock costs today.

Generates free cash flow over the last twelve months
Upbeat coverage
Quality 54/100
Expensive Growth (revenue 5y +9.7 %/yr in USD)
Thin margins · 0.0% net margin (TTM)
Insiders bought $7.9M (6M)
Profit last quarter 35% below a year ago.
Fair value $17.38 · Strongly overvalued
High debt
4.8% dividend yield · Pays more than it earns
Trails peers (2/14)
Narrow moat 19/100
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$112.41 $19.32 Fair Value $17.38 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $19.32 – $112.41 · fair‑value band $14.39 – $20.36 · the $49.82 price screens above the $17.38 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

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.

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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.

Stock analysis

Insperity Inc (NSP) currently trades at $49.82, while our model-based Fair Value estimate is $17.38, 65% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 2 models at a data quality of 96/100, which puts the data coverage at low.

Scenario range: $14.39 (bear) to $20.36 (bull), the price of $49.82 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 54/100 (solid quality), in the Industrials sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Insperity Inc reported revenue of $6.8B in FY2025 versus $5.0B in FY2021, a compound +8.2%/yr. Reported net income was −$7.0M in FY2025.

Key figures

Market cap $1.9B Small · P/E ratio 711.7 · P/S ratio 0.27 · EPS (TTM) $0.0700 · Dividend yield 4.8% · Net margin 0.0% · Return on equity 4.6% · Return on assets (EBIT) 7.3% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 19 out of 100 (medium confidence).

What moves the price

The last reported earnings sit well below what analysts expect (earnings in transition, for example after write-downs or an earnings dip); whether the stock is cheap or expensive hinges on the expected recovery actually arriving. Read the fair value with that caveat.

The share trades about 8% below its 52-week high and 158% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Industrials peers we cover trades at 26% fair-value upside, at −65%, NSP screens richer than that median.

Fair Value models

Bear $14.39 Fair Value $17.38 Bull $20.36
Price $49.82 · Downside -65.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
EV/EBITDA $14.39 $17.38 $20.36 67
NCAV (Graham) $0.2600 $0.3500 $0.5200 54
All 2 models by family
Multiples
EV/EBITDA $14.39 $17.38 $20.36 67
Asset-Based
NCAV (Graham) $0.2600 $0.3500 $0.5200 54

Open the full fair value analysis →

Quality Score breakdown

Overall quality 54/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 41
How much profit the company makes from its sales and capital
Quality Growth 38
Are margins and returns getting better?
Cashflow 35
Do the profits arrive as real cash?
Financial strength 49
Debt, balance sheet and risk of trouble
Investment 96
Does it invest with discipline instead of growing at any price?
Low Volatility 48
How calm the share price moves, does not count
Price momentum 79
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 87
Distance to the 52-week high, does not count
New shares 88
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director bought shares worth $7.9M, on Jun 3, 2026.

  • BuyPaul J SarvadiChairman of the Board & CEO, Director3× since Mar 17, 2026: 534,987 shares, avg. $28.96$15.5MJun 3, 2026
  • BuyChristian P CallensSVP Legal, Gen Counsel & Sec1,250 shares at $19.28$24,100Mar 11, 2026
  • BuyEllen H MastersonDirector1,200 shares at $19.90$23,880Mar 11, 2026
  • BuyJames D AllisonEVP, Finance, CFO & Treasurer10,000 shares at $20.45$204,500Mar 10, 2026

Plus 14 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 48/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+3.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.7%
Start year 2020 (pandemic). Over 10 years: +10.1% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.8%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
4.5% (2020) → −0.1% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

NSP screens overvalued: fair value 65% below the price. Compare with Randstad N.V →

Earlier news

News mood ⓘNews mood, the average tone of recent news (99 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

Compare Insperity Inc with another stock

Price, fair value, quality and upside side by side.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Staffing & Employment Services · 83 stocks

Beats the industry median on 2/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 54 · Bottom 25%
Fair Value upside −65.1% · Bottom 25%
Profitability
Return on equity (12 months) 4.6% · Below median
Return on assets −0.3% · Bottom 25%
Net margin (12 months) 0.0% · Below median
Operating margin (12 months) −0.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 1.7% · Below median
Dividend yield (12 months) 4.8% · Above median
Balance sheet
Debt / equity 8.02× · Highest 25%

Valuation Multiplesvs Staffing & Employment Services median · lower = cheaper

P/E (12 months) 711.7× · Priciest 25%
P/B 40.83× · Priciest 25%
P/S (12 months) 0.27× · Cheaper than median
EV/EBITDA 32.8× · Priciest 25%
PEG 1.42× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 77
FUTURE (revenue growth)9 · sector 19
PAST (return on equity)18 · sector 41
HEALTH (low debt)0 · sector 96
DIVIDEND (yield)96 · sector 68

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Staffing & Employment Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
FESCO Group 600861 ¥13.05 ¥39.00 +199% vs NSP
Shanghai Foreign Service Holding 600662 ¥4.34 ¥7.94 +83% vs NSP
TriNet Group TNET $66.63 $106.61 +60% vs NSP
Korn Ferry, KFY $75.38 $104.11 +38% vs NSP
Grupa Pracuj S.A GPP 52.30 PLN 65.88 PLN +26% vs NSP
Adecco Group ADEN CHF 22.68 CHF 25.75 +14% vs NSP
Randstad N.V RAND €41.24 €35.79 −13% vs NSP
Kforce Inc KFRC $54.15 $35.05 −35% vs NSP
ManpowerGroup Inc MAN $44.50 $27.93 −37% vs NSP
Robert Half Inc RHI $41.84 $23.55 −44% vs NSP

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Insperity Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Insperity Inc Fair Value". https://www.fairvalue-calculator.com/stock/NSP

Frequently asked questions

Is Insperity Inc (NSP) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $17.38 versus a price of $49.82, about 65% lower (overvalued).
What is the fair value of NSP?
Our model-based fair value for Insperity Inc is $17.38 (as of Nov 7, 2026), built from audited fundamentals. The current price: $49.82.
What is the quality score of NSP?
Insperity Inc has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Insperity Inc (NSP)?
Our model-based price target is the fair value of $17.38 (as of Nov 7, 2026) from 2 valuation models. Cautious scenario $14.39, optimistic scenario $20.36. It is a calculation from audited fundamentals, not an analyst target.
What is the Insperity Inc stock forecast for 2026?
Our models put fair value at $17.38, about 65% lower versus a price of $49.82 (overvalued). Cautious scenario $14.39, optimistic scenario $20.36. The calculation is refreshed regularly with new filings.
What is the revenue of Insperity Inc (NSP)?
Insperity Inc reported trailing-twelve-month revenue of about $6.9B (latest available figure, as of Nov 7, 2026).
Does Insperity Inc pay a dividend?
Insperity Inc currently shows a dividend yield of 4.82% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Insperity Inc (NSP) and when is the ex-dividend date?
Insperity Inc pays a dividend of $2.40 per share a year, a dividend yield of 4.8%. The last ex-dividend date was Sep 2, 2026. A dividend has been paid every year since at least 2005. Our assessment: Pays more than it earns. The company pays out more in dividends than it earns, and free cash flow clearly does not cover the dividend either. It may need to be cut unless profits recover.
What is the intrinsic value of Insperity Inc (NSP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Insperity Inc it is $17.38 per share (as of Nov 7, 2026), against a price of $49.82. It is the blended result of 2 valuation models in 2 families (Multiples, Asset-Based).
Is Insperity Inc stock overvalued or undervalued in 2026?
As of Nov 7, 2026, NSP trades above its calculated fair value: price $49.82, fair value $17.38, a gap of about −65% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of NSP?
No. The price is what the market pays today ($49.82); the fair value is what the company's own numbers justify ($17.38). For Insperity Inc the two are $32.44 per share apart. That gap is exactly why we show both numbers side by side.
How much is Insperity Inc worth?
The market values Insperity Inc at about $1.9B (market capitalisation, as of Nov 7, 2026). Per share that is $49.82; our models calculate a fair value of $17.38 per share.
What do the bullish and bearish scenarios say about NSP?
Our models span a range for Insperity Inc: cautious scenario $14.39, base $17.38, optimistic $20.36 per share (as of Nov 7, 2026, price $49.82). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of NSP?
The PEG ratio of Insperity Inc is 1.42 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Insperity Inc (NSP)?
Balance-sheet figures for Insperity Inc (as of Nov 7, 2026): return on equity 4.6%, debt of 8.02 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is NSP from its 52-week high?
Insperity Inc trades at $49.82, about 8% below its 52-week high of $54.44 and 158% above the low of $19.32 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $17.38 is for.
Which stocks are comparable to Insperity Inc?
From the same area (Industrials) we also value Randstad N.V, Adecco Group, Korn Ferry,, Robert Half Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Insperity Inc stock attractive at the current price?
The data as of Nov 7, 2026: price $49.82, calculated fair value $17.38 (−65%), Quality Score 54/100, from 2 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of NSP calculated?
We run Insperity Inc through 2 models from 2 families: Multiples, Asset-Based. Every model gets the same audited fundamentals; the fair value of $17.38 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Insperity Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Insperity Inc (NSP)?
The closing price on Nov 6, 2026 was $49.82. Our model-based fair value is $17.38, about 65% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Insperity Inc right now?
The price sits above even our optimistic bull case ($20.36). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder.
Where does the earnings growth of Insperity Inc (NSP) come from?
Earnings per share at Insperity Inc grew +16.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +13.9 %, EBIT margin −0.9 %, tax rate +2.4 %, residual (interest, one-offs) +0.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Insperity Inc

How large is the market capitalisation of Insperity Inc (NSP)?
The market capitalisation of Insperity Inc is $1.9B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of Insperity Inc (NSP)?
The price-to-earnings ratio of Insperity Inc is 711.7 (· median at FY-end 27.2 (8 FY)). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Insperity Inc (NSP)?
The price-to-sales ratio of Insperity Inc is 0.27 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Insperity Inc (NSP)?
Earnings per share at Insperity Inc are $0.0700 (price ÷ EPS = P/E 711.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Insperity Inc (NSP)?
The dividend yield of Insperity Inc is 4.8%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Insperity Inc (NSP)?
The net margin of Insperity Inc is 0.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Insperity Inc (NSP)?
The return on equity (ROE) of Insperity Inc is 4.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Insperity Inc (NSP)?
On an EBIT basis the return on assets of Insperity Inc is 7.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Insperity Inc (NSP)?
The operating margin of Insperity Inc is −0.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Insperity Inc (NSP)?
Revenue at Insperity Inc is growing +1.7% versus a year earlier (3y avg +4.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Insperity Inc (NSP)?
Earnings per share at Insperity Inc are growing −35.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Insperity Inc (NSP) generate?
The free cash flow of Insperity Inc is −$309M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Insperity Inc (NSP) hold?
Insperity Inc holds more cash than debt, $207M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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