Insperity Inc Financials
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).
Insperity runs on a thin gross spread, so small margin compression can quickly overwhelm rising sales and reverse cash flow.
In the latest year, revenue still rose, yet gross profit fell by$152M , a sign that each revenue dollar carried less economic value. That squeeze pushed operating cash flow from$520M to-$278M ; because free cash flow fell with it, the cash reversal looks operational rather than a reinvestment choice.
The drop in gross margin to
The company also looks thinly capitalized, with only
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Insperity Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Insperity Inc has an operating margin of -0.1%, meaning the company retains $-0 of operating profit per $100 of revenue. This results in a moderate score of 43/100, indicating healthy but not exceptional operating efficiency. This is down from 1.8% the prior year.
Insperity Inc's revenue grew a modest 3.5% year-over-year to $6.8B. This slow but positive growth earns a score of 41/100.
Insperity Inc carries a low D/E ratio of 8.02, meaning only $8.02 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.
Insperity Inc's current ratio of 1.06 is below the typical benchmark, resulting in a score of 22/100. This tight liquidity could limit financial flexibility if cash inflows slow.
While Insperity Inc generated -$278.0M in operating cash flow, capex of $31.0M consumed most of it, leaving -$309.0M in free cash flow. This results in a low score of 30/100, reflecting heavy capital investment rather than weak cash generation.
Insperity Inc's ROE of -15.2% shows moderate profitability relative to equity, earning a score of 64/100. This is down from 93.8% the prior year.
Insperity Inc scores 4.01, well above the 2.99 safe threshold. This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Insperity Inc passes 1 of 9 financial strength tests. No 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 (-$278.0M OCF vs -$7.0M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Insperity Inc earns $-0.4 in operating income for every $1 of interest expense (-$10.0M vs $24.0M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Earnings & Revenue
Insperity Inc generated $6.8B in revenue in fiscal year 2025. This represents an increase of 3.5% from the prior year.
Insperity Inc's EBITDA was $35.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 78.3% from the prior year.
Insperity Inc reported -$7.0M in net income in fiscal year 2025. This represents a decrease of 107.7% from the prior year.
Insperity Inc earned $-0.19 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 107.9% from the prior year.
Cash & Balance Sheet
Insperity Inc generated -$309.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 164.1% from the prior year.
Insperity Inc held $642.0M in cash against $369.0M in long-term debt as of fiscal year 2025.
Insperity Inc had 38M shares outstanding in fiscal year 2025. This represents an increase of 1.3% from the prior year.
Margins & Returns
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 1.9 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 1.5 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 109.0 percentage points from the prior year.
Capital Allocation
Insperity Inc spent $19.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 69.8% from the prior year.
Insperity Inc invested $31.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 18.4% from the prior year.
NSP Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.9B+13.6% | $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 |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | $302.0M+75.6% | $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 |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $55.0M+12.2% | $49.0M+8.9% | $45.0M-8.2% | $49.0M-18.3% | $60.0M+5.3% | $57.0M+7.5% | $53.0M-7.0% | $57.0M |
| Operating Income | $62.0M+234.8% | -$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 |
| Interest Expense | $6.0M0.0% | $6.0M0.0% | $6.0M0.0% | $6.0M0.0% | $6.0M-14.3% | $7.0M0.0% | $7.0M0.0% | $7.0M |
| Income Tax | $30.0M+330.8% | -$13.0M-225.0% | -$4.0M-300.0% | -$1.0M-104.8% | $21.0M+625.0% | -$4.0M | $0-100.0% | $7.0M |
| Net Income | $33.0M+200.0% | -$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 |
| EPS (Diluted) | $0.88 | N/A | $-0.53-278.6% | $-0.14-110.4% | $1.35 | N/A | $0.07-85.4% | $0.48 |
NSP Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.2B-0.3% | $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 |
| Current Assets | $1.7B+0.5% | $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 |
| Cash & Equivalents | $537.0M-16.4% | $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 |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | $6.0M | N/A | N/A | N/A | $9.0M | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $2.1B-1.3% | $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 |
| Current Liabilities | $1.6B-2.0% | $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 |
| 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 | $67.0M+45.7% | $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 |
| Retained Earnings | $648.0M+1.6% | $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 |
NSP Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$67.0M-126.3% | $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 |
| Capital Expenditures | $6.0M-33.3% | $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 |
| Free Cash Flow | -$73.0M-129.7% | $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 |
| Investing Cash Flow | -$6.0M+33.3% | -$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 |
| Financing Cash Flow | -$46.0M-518.2% | $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 |
| Dividends Paid | $23.0M+4.5% | $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 |
| Share Buybacks | $4.0M | $0 | $0 | $0-100.0% | $19.0M+72.7% | $11.0M-26.7% | $15.0M+7.1% | $14.0M |
NSP Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 15.9%+5.6pp | 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% |
| Operating Margin | 3.3%+6.0pp | -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% |
| Net Margin | 1.7%+3.7pp | -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% |
| Return on Equity | 49.3%+121.0pp | -71.7%-48.7pp | -23.0%-18.5pp | -4.5%-47.3pp | 42.9%+52.1pp | -9.3%-11.7pp | 2.4%-10.3pp | 12.7% |
| Return on Assets | 1.5%+3.0pp | -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% |
| Current Ratio | 1.09+0.0 | 1.06-0.1 | 1.120.0 | 1.12-0.0 | 1.13+0.0 | 1.08-0.1 | 1.160.0 | 1.17 |
| Debt-to-Equity | 5.51-2.5 | 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 |
| FCF Margin | -3.9%-18.6pp | 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% |
Similar Companies
Frequently Asked Questions
What is Insperity Inc's annual revenue?
Insperity Inc (NSP) reported $6.8B in total revenue for fiscal year 2025. This represents a 3.5% 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 grew by 3.5% year-over-year, from $6.6B to $6.8B in fiscal year 2025.
Is Insperity Inc profitable?
No, Insperity Inc (NSP) reported a net income of -$7.0M in fiscal year 2025, with a net profit margin of -0.1%.
What is Insperity Inc's EBITDA?
Insperity Inc (NSP) had EBITDA of $35.0M 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 $642.0M in cash and equivalents against $369.0M 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.
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 -$309.0M in free cash flow during fiscal year 2025. This represents a -164.1% 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 -$278.0M 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 $2.2B 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 $31.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
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 cash runway?
Based on fiscal year 2025 data, Insperity Inc (NSP) had $642.0M in cash against an annual operating cash burn of $278.0M. This gives an estimated cash runway of approximately 28 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Insperity Inc's Altman Z-Score?
Insperity Inc (NSP) has an Altman Z-Score of 4.01, 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 1 out of 9, indicating weak 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 to 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 low quality (accrual-driven). 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 50 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.