Insperity Inc Financials
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Insperity Inc has an operating margin of 0.1%, meaning the company retains $0 of operating profit per $100 of revenue. This below-average margin results in a low score of 1/100, suggesting thin profitability after operating expenses. This is down from 1.8% the prior year.
Insperity Inc's revenue declined 100% year-over-year, from $6.6B to $7K. This contraction results in a growth score of 0/100.
Insperity Inc has elevated debt relative to equity (D/E of 8.02), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Insperity Inc's current ratio of 1.06 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 23/100, which could limit financial flexibility.
Insperity Inc's free cash flow margin of 3.6% results in a low score of 18/100. Capital expenditures of $31 absorb a large share of operating cash flow.
Insperity Inc's ROE of 15.2% shows moderate profitability relative to equity, earning a score of 61/100. This is down from 93.8% the prior year.
Insperity Inc scores 269507.30, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($968.9M) relative to total liabilities ($2K). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Insperity Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), 1 of 2 efficiency signals pass.
For every $1 of reported earnings, Insperity Inc generates $39.71 in operating cash flow ($278 OCF vs $7 net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Insperity Inc earns $0.4 in operating income for every $1 of interest expense ($10 vs $24). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
This page shows Insperity Inc (NSP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Insperity Inc generated $7K in revenue in fiscal year 2025. This represents a decrease of 100.0% from the prior year.
Insperity Inc's EBITDA was $55 in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 100.0% from the prior year.
Insperity Inc generated $247 in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 100.0% from the prior year.
Insperity Inc reported $7 in net income in fiscal year 2025. This represents a decrease of 100.0% from the prior year.
Insperity Inc earned $0.19 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 92.1% from the prior year.
Insperity Inc held $642 in cash against $369 in long-term debt as of fiscal year 2025.
Insperity Inc paid $0.60 per share in dividends in fiscal year 2025.
Insperity Inc had 38M shares outstanding in fiscal year 2025. This represents an increase of 1.3% from the prior year.
Insperity Inc's gross margin was 13.2% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 2.8 percentage points from the prior year.
Insperity Inc's operating margin was 0.1% in fiscal year 2025, reflecting core business profitability. This is down 1.6 percentage points from the prior year.
Insperity Inc's net profit margin was 0.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1.3 percentage points from the prior year.
Insperity Inc's ROE was 15.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 78.6 percentage points from the prior year.
Insperity Inc spent $19 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.
Insperity Inc invested $31 in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 100.0% from the prior year.
NSP Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.7B+2.8% | $1.6B-2.1% | $1.7B-11.0% | $1.9B+15.5% | $1.6B+3.3% | $1.6B-2.7% | $1.6B-10.9% | $1.8B |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | $172.0M-11.8% | $195.0M-12.6% | $223.0M-28.1% | $310.0M+42.2% | $218.0M-4.8% | $229.0M-11.9% | $260.0M-24.6% | $345.0M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $49.0M+8.9% | $45.0M-8.2% | $49.0M-18.3% | $60.0M+5.3% | $57.0M+7.5% | $53.0M-7.0% | $57.0M0.0% | $57.0M |
| Operating Income | -$46.0M-84.0% | -$25.0M-257.1% | -$7.0M-110.3% | $68.0M+553.3% | -$15.0M-1600.0% | $1.0M-95.7% | $23.0M-78.7% | $108.0M |
| Interest Expense | $6.0M0.0% | $6.0M0.0% | $6.0M0.0% | $6.0M-14.3% | $7.0M0.0% | $7.0M0.0% | $7.0M0.0% | $7.0M |
| Income Tax | -$13.0M-225.0% | -$4.0M-300.0% | -$1.0M-104.8% | $21.0M+625.0% | -$4.0M | $0-100.0% | $7.0M-78.1% | $32.0M |
| Net Income | -$33.0M-65.0% | -$20.0M-300.0% | -$5.0M-109.8% | $51.0M+666.7% | -$9.0M-400.0% | $3.0M-83.3% | $18.0M-77.2% | $79.0M |
| EPS (Diluted) | $-0.87-64.2% | $-0.53-278.6% | $-0.14-110.4% | $1.35+742.9% | $-0.21-400.0% | $0.07-85.4% | $0.48-76.9% | $2.08 |
NSP Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.2B+9.5% | $2.0B-0.3% | $2.0B-5.8% | $2.1B-17.5% | $2.6B+34.4% | $1.9B-7.7% | $2.1B-1.5% | $2.1B |
| Current Assets | $1.7B+10.8% | $1.6B+2.4% | $1.5B-8.3% | $1.7B-20.7% | $2.1B+45.5% | $1.4B-11.6% | $1.6B+0.1% | $1.6B |
| Cash & Equivalents | $642.0M+52.1% | $422.0M-4.3% | $441.0M-20.0% | $551.0M-47.0% | $1.0B+121.1% | $470.0M-30.5% | $676.0M+1.3% | $667.0M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $6.0M | N/A | N/A | N/A | $9.0M | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $2.2B+12.1% | $1.9B+1.0% | $1.9B-5.8% | $2.0B-19.0% | $2.5B+38.3% | $1.8B-7.4% | $2.0B-1.7% | $2.0B |
| Current Liabilities | $1.6B+17.2% | $1.4B+1.8% | $1.4B-7.4% | $1.5B-24.0% | $1.9B+56.5% | $1.2B-10.8% | $1.4B-1.6% | $1.4B |
| Long-Term Debt | $369.0M0.0% | $369.0M0.0% | $369.0M0.0% | $369.0M0.0% | $369.0M0.0% | $369.0M0.0% | $369.0M0.0% | $369.0M |
| Total Equity | $46.0M-47.1% | $87.0M-22.3% | $112.0M-5.9% | $119.0M+22.7% | $97.0M-22.4% | $125.0M-12.0% | $142.0M+1.4% | $140.0M |
| Retained Earnings | $638.0M-8.1% | $694.0M-5.7% | $736.0M-3.7% | $764.0M+3.5% | $738.0M-4.0% | $769.0M-2.4% | $788.0M-0.6% | $793.0M |
NSP Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $255.0M+2418.2% | -$11.0M+86.1% | -$79.0M+82.2% | -$443.0M-171.6% | $619.0M+512.7% | -$150.0M-850.0% | $20.0M-35.5% | $31.0M |
| Capital Expenditures | $9.0M0.0% | $9.0M+28.6% | $7.0M+16.7% | $6.0M-53.8% | $13.0M-7.1% | $14.0M+133.3% | $6.0M+20.0% | $5.0M |
| Free Cash Flow | $246.0M+1330.0% | -$20.0M+76.7% | -$86.0M+80.8% | -$449.0M-174.1% | $606.0M+469.5% | -$164.0M-1271.4% | $14.0M-46.2% | $26.0M |
| Investing Cash Flow | -$9.0M+18.2% | -$11.0M-120.0% | -$5.0M+16.7% | -$6.0M+53.8% | -$13.0M+7.1% | -$14.0M-133.3% | -$6.0M-20.0% | -$5.0M |
| Financing Cash Flow | $11.0M+147.8% | -$23.0M+20.7% | -$29.0M+40.8% | -$49.0M-390.0% | -$10.0M+72.2% | -$36.0M+18.2% | -$44.0M+47.0% | -$83.0M |
| Dividends Paid | $22.0M-4.3% | $23.0M+4.5% | $22.0M-4.3% | $23.0M+4.5% | $22.0M-4.3% | $23.0M0.0% | $23.0M+9.5% | $21.0M |
| Share Buybacks | $0 | $0 | $0-100.0% | $19.0M+72.7% | $11.0M-26.7% | $15.0M+7.1% | $14.0M-39.1% | $23.0M |
NSP Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 10.3%-1.7pp | 12.0%-1.4pp | 13.5%-3.2pp | 16.6%+3.1pp | 13.5%-1.2pp | 14.7%-1.5pp | 16.2%-2.9pp | 19.1% |
| Operating Margin | -2.8%-1.2pp | -1.5%-1.1pp | -0.4%-4.1pp | 3.6%+4.6pp | -0.9%-1.0pp | 0.1%-1.4pp | 1.4%-4.6pp | 6.0% |
| Net Margin | -2.0%-0.8pp | -1.2%-0.9pp | -0.3%-3.0pp | 2.7%+3.3pp | -0.6%-0.8pp | 0.2%-0.9pp | 1.1%-3.3pp | 4.4% |
| Return on Equity | N/A | N/A | N/A | 42.9% | N/A | 2.4%-10.3pp | 12.7%-43.8pp | 56.4% |
| Return on Assets | -1.5%-0.5pp | -1.0%-0.7pp | -0.3%-2.6pp | 2.4%+2.7pp | -0.4%-0.5pp | 0.2%-0.7pp | 0.9%-2.9pp | 3.7% |
| Current Ratio | 1.06-0.1 | 1.120.0 | 1.12-0.0 | 1.13+0.0 | 1.08-0.1 | 1.160.0 | 1.17+0.0 | 1.15 |
| Debt-to-Equity | 8.02+3.8 | 4.24+0.9 | 3.29+0.2 | 3.10-0.7 | 3.80+0.9 | 2.95+0.4 | 2.60-0.0 | 2.64 |
| FCF Margin | 14.8%+16.0pp | -1.2%+4.0pp | -5.2%+18.9pp | -24.1%-61.7pp | 37.6%+48.1pp | -10.5%-11.4pp | 0.9%-0.6pp | 1.4% |
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Frequently Asked Questions
What is Insperity Inc's annual revenue?
Insperity Inc (NSP) reported $7K in total revenue for fiscal year 2025. This represents a -100.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Insperity Inc's revenue growing?
Insperity Inc (NSP) revenue declined by 100% year-over-year, from $6.6B to $7K in fiscal year 2025.
Is Insperity Inc profitable?
Yes, Insperity Inc (NSP) reported a net income of $7 in fiscal year 2025, with a net profit margin of 0.1%.
What is Insperity Inc's earnings per share (EPS)?
Insperity Inc (NSP) reported diluted earnings per share of $0.19 for fiscal year 2025. This represents a -92.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Insperity Inc's EBITDA?
Insperity Inc (NSP) had EBITDA of $55 in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Insperity Inc have?
As of fiscal year 2025, Insperity Inc (NSP) had $642 in cash and equivalents against $369 in long-term debt.
What is Insperity Inc's gross margin?
Insperity Inc (NSP) had a gross margin of 13.2% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Insperity Inc's operating margin?
Insperity Inc (NSP) had an operating margin of 0.1% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Insperity Inc's net profit margin?
Insperity Inc (NSP) had a net profit margin of 0.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Insperity Inc pay dividends?
Yes, Insperity Inc (NSP) paid $0.60 per share in dividends during fiscal year 2025.
What is Insperity Inc's return on equity (ROE)?
Insperity Inc (NSP) has a return on equity of 15.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Insperity Inc's free cash flow?
Insperity Inc (NSP) generated $247 in free cash flow during fiscal year 2025. This represents a -100.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Insperity Inc's operating cash flow?
Insperity Inc (NSP) generated $278 in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Insperity Inc's total assets?
Insperity Inc (NSP) had $2K in total assets as of fiscal year 2025, including both current and long-term assets.
What are Insperity Inc's capital expenditures?
Insperity Inc (NSP) invested $31 in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does Insperity Inc buy back shares?
Yes, Insperity Inc (NSP) spent $19 on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does Insperity Inc have outstanding?
Insperity Inc (NSP) had 38M shares outstanding as of fiscal year 2025.
What is Insperity Inc's current ratio?
Insperity Inc (NSP) had a current ratio of 1.06 as of fiscal year 2025, which is considered adequate.
What is Insperity Inc's debt-to-equity ratio?
Insperity Inc (NSP) had a debt-to-equity ratio of 8.02 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Insperity Inc's return on assets (ROA)?
Insperity Inc (NSP) had a return on assets of 0.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Insperity Inc's Altman Z-Score?
Insperity Inc (NSP) has an Altman Z-Score of 269507.30, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Insperity Inc's Piotroski F-Score?
Insperity Inc (NSP) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Insperity Inc's earnings high quality?
Insperity Inc (NSP) has an earnings quality ratio of 39.71x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Insperity Inc cover its interest payments?
Insperity Inc (NSP) has an interest coverage ratio of 0.4x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Insperity Inc?
Insperity Inc (NSP) scores 17 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.