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

As of Sep 23, 2026: fair value of Insperity Inc $17.34, price $48.85, upside -64.5%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Industrials · US · ISIN US45778Q1076

II Insperity Inc logo Thin data Sep 23, 2026

Insperity Inc

NSP · US

Stretched ValuationStrong overvaluation with only moderate quality.

!Fair value $17.34 · Strongly overvalued (−65%)
!Quality 57/100
!Expensive Growth (revenue 5y +9.7 %/yr)
!Loss-making · -0.4% net margin (TTM)
!High debt · negative free cash flow
·4.91% dividend yield
!Trails peers (4/12)
!Narrow moat 16/100
✓Insider activity 88/100
!Evidence only low, so the estimate is less certain
!Weak on future: 9 out of 100
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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

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Price vs Fair Value

$113.74 $19.54 Fair Value $17.34 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $19.54 – $113.74 · fair‑value band $14.36 – $20.32 · the $48.85 price screens above the $17.34 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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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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.

Stock analysis

Insperity Inc (NSP) currently trades at $48.85, while our model-based Fair Value estimate is $17.34, implying the stock looks roughly 181.7% overvalued today.

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Valuation

Bull case: the Dividend Discount group reads highest at a median of $30.15 per share, and 0 of the 5 models we run sit above the $48.85 price.

Bear case: the DCF Models group reads lowest at $17.61, and 5 of the 5 models stay below the price. Evidence for this calculation is low.

Scenario range: $14.36 (bear) to $20.32 (bull), the price of $48.85 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 57/100 (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 · P/S ratio 0.20 · EPS (TTM) $−0.6800 · Dividend yield 4.9% · Net margin −0.1% · Return on equity −26.9% · Return on assets (EBIT) 7.3% · Operating margin 3.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).

What moves the price

The share trades about 10% below its 52-week high and 150% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Industrials peers we cover trades at 16% fair-value upside, at −65%, NSP screens richer than that median.

Fair Value models

Bear $14.36 Fair Value $17.34 Bull $20.32
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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. Evidence ⓘEvidence = 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.
Highest evidence
Owner Earnings $13.91 $17.61 $22.87 78
Gordon GGM $18.32 $33.01 $45.44 68
DDM Multi-Stage $18.32 $30.15 $35.26 67
All 5 models by family
DCF Models
Owner Earnings $13.91 $17.61 $22.87 78
Dividend Discount
Gordon GGM $18.32 $33.01 $45.44 68
DDM Multi-Stage $18.32 $30.15 $35.26 67
Multiples
EV/EBITDA $16.09 $19.07 $22.05 67
Asset-Based
NCAV (Graham) $0.6000 $0.8100 $1.21 54

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Quality Score breakdown

Overall quality 57/100

Of which business quality 53 · Market factors (momentum, volatility) 63

Profitability 41
Margins and returns on capital today
Quality Growth 38
Are margins and returns improving?
Cashflow 35
Earnings quality: real cash, not paper profit
Fin. Strength 49
Balance sheet, leverage, solvency risk
Investment 96
Disciplined investing over empire-building
Low Volatility 46
Calm price path (market factor)
Momentum 76
Price trend over the last 3–12 months (market factor)
52W Momentum 60
Distance to the 52-week high (market factor)
Net Issuance 84
Share count: buybacks or dilution?

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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. 34/100
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 182% overvalued. Compare with Adecco Group →

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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 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 57 · Below median
Fair Value upside −65% · Bottom 25%
Profitability
Return on assets 0% · Bottom 25%
Net margin (TTM) 0% · Bottom 25%
Operating margin (TTM) 3% · Above median
Growth and dividend
Revenue growth 2% · Above median
Dividend yield (TTM) 4.9% · Above median
Balance sheet
Debt / equity 8.02× · Highest 25%

Valuation Multiplesvs Staffing & Employment Services median · lower = cheaper

P/B 40.35× · Priciest 25%
P/S (TTM) 0.27× · Cheaper than median
PEG 1.42× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 60
FUTURE (revenue growth)9 · sector 1
PAST (return on equity)0 · sector 41
HEALTH (low debt)0 · sector 95
DIVIDEND (yield)98 · sector 73

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
Adecco Group ADEN CHF 23.82 CHF 26.63 +12%
Korn Ferry, KFY $75.86 $114.56 +51%
Robert Half Inc RHI $37.58 $24.81 −34%
TriNet Group TNET $66.71 $97.07 +46%
ManpowerGroup Inc MAN $57.63 $23.19 −60%
Grupa Pracuj S.A GPP 56.80 PLN 65.88 PLN +16%
Barrett Business Services, Inc BBSI $33.26 $35.55 +7%
Maharah for Human Resources Company 1831 4.35 SAR 5.22 SAR +20%
Kforce Inc KFRC $51.99 $35.44 −32%
Synergie SE SDG €27.30 €50.07 +83%

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Insperity Inc · Fair Value
$17.34 −182%Fair Value
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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 Sep 23, 2026, our model estimates a fair value of $17.34 versus a price of $48.85, about −65% upside (overvalued).
What is the fair value of NSP?
Our model-based fair value for Insperity Inc is $17.34 (as of Sep 23, 2026), built from audited fundamentals. The current price: $48.85.
What is the quality score of NSP?
Insperity Inc has a Quality Score of 57/100. 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 $17.34 (as of Sep 23, 2026) from 5 valuation models. Cautious scenario $14.36, optimistic scenario $20.32. 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 $17.34, about −65% upside versus a price of $48.85 (overvalued). Cautious scenario $14.36, optimistic scenario $20.32. 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 $6.8B (latest available figure, as of Sep 23, 2026).
Does Insperity Inc pay a dividend?
Insperity Inc currently shows a dividend yield of about 4.91% relative to its recent price (as of Sep 23, 2026).
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 $17.34 per share (as of Sep 23, 2026), against a price of $48.85. It is the blended result of 5 valuation models (cash flow, earnings, asset, dividend).
Is Insperity Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, NSP trades above its calculated fair value: price $48.85, fair value $17.34, 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 ($48.85); the fair value is what the company's own numbers justify ($17.34). For Insperity Inc the two are $31.51 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 Sep 23, 2026). Per share that is $48.85; our models calculate a fair value of $17.34 per share.
What do the bullish and bearish scenarios say about NSP?
Our models span a range for Insperity Inc: cautious scenario $14.36, base $17.34, optimistic $20.32 per share (as of Sep 23, 2026, price $48.85). 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 Sep 23, 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 Sep 23, 2026): return on equity −26.9%, debt of 8.02 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is NSP from its 52-week high?
Insperity Inc trades at $48.85, about 10% below its 52-week high of $54.03 and 150% above the low of $19.54 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $17.34 is for.
Which stocks are comparable to Insperity Inc?
From the same area (Industrials) we also value Adecco Group, Korn Ferry,, Robert Half Inc, TriNet Group, 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 Sep 23, 2026: price $48.85, calculated fair value $17.34 (−65%), Quality Score 57/100, from 5 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 5 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $17.34, 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 14.1 % 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 Sep 23, 2026 was $48.85. Our model-based fair value is $17.34, about −65% upside (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 ($20.32). 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 (57/100) 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/S ratio of Insperity Inc (NSP)?
The price-to-sales ratio of Insperity Inc is 0.20 (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 $−0.6800. 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 4.9%. 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 −0.1% (fiscal year 2025). 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 −26.9% (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 3.3% (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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