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NEW YORK STOCK EXCHANGE, INC. · Professional Services · CIK 0001000753
$50.18
+0.32% · delayed ~15 min
Last price from Oct 21, 2026
$1.89B market value
From INSPERITY, INC.'s FY2025 10-K, filed Feb 11, 2026 · read the filing
INSPERITY provides business and staffing services. It took in $6.81B last year, which makes it a mid-sized company. It spends more than it earns — losing about 0 cents on every dollar of sales.
The financial picture is mixed, with growth needing attention and profitability and debt weaker.
A conclusion from the filings, not a recommendation. Detailed figures and supporting evidence appear in their dedicated sections below.
Financial health
Several areas of financial weakness.
From INSPERITY, INC.'s FY2025 annual filing · share price scored separately
Largest year-over-year changes in FY2025
Operating income
$117.0M → -$10.0M
Profit
$91.0M → -$7.0M
Free cash flow
$482.0M → -$309.0M
Earnings per share
$2.45 → -$0.19
Measured against FY2024, from the 10-K filed Feb 11, 2026
Deteriorated: turned negative
$117.0M to -$10.0MCritical
Why it matters: Profit from running the business, before interest and tax. Less exposed than profit to one-off financing and tax items, so a clearer read on the business itself.
Deteriorated: turned negative
$91.0M to -$7.0MCritical
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
How the latest move compares (quote delayed ~15 min), and what was published around it
NSP rose 0.32% on the latest quote. The average Industrials company tracked here moved +0.37%, and the S&P 500 −1.04%. That is in line with its sector and 1.4 points above the market.
Expectations
Not from the filings — what other people are betting on, and what the price already assumes.
Opinions from 12 analysts covering this company, as of . Their views, not this site's.
Of 12 analysts publishing on this company, 1 say buy, 5 say hold, 5 say sell and 1 say strong sell. Analysts are paid to publish a view and are wrong often; the split above says how much they agree with each other, which is the part a single headline rating hides.
Published by Finnhub. Analyst coverage skews towards larger companies and towards optimism — sell ratings are rare across the whole market, so a company with none is ordinary rather than endorsed.
The essentials
Each answered from the filings, with the numbers behind it.
No. It lost $7.0M last year, losing about 0 cents on every dollar of sales.
Slowly. Sales grew 3.5% last year.
No — it holds more cash than debt, with $273.0M left over after paying off every borrowing. For every $1 it owes, it owns $1.02 in assets. Its operating profit does not cover its interest bill — -0.42x against the interest it owes.
Core operating and valuation reference metrics
Whether the dividend is covered by what the business actually earns
It paid a dividend while making a loss, so the payment did not come out of profits — it came from reserves, borrowing or asset sales. It has paid in each of the last 12 years.
WeakNext payment expected around , projected from how regularly it has paid before rather than from a date the company has announced.
Figures from the FY2025 annual filing
Last year it lost $7.0M and generated -$278.0M of cash from operations.
Reported annual figures
As reported to the SEC, in USD. Hover or show sources to see where each figure came from.
| Income statement | FY202510-K · Feb 11, 2026Filing for FY2025 | FY202410-K · Feb 11, 2025Filing for FY2024 | FY202310-K · Feb 11, 2025Filing for FY2023 | FY202210-K · Feb 11, 2025Filing for FY2022 | FY202110-K · Feb 11, 2025Filing for FY2021 | ChangeFY2025 vs FY2024 |
|---|---|---|---|---|---|---|
| RevenueWhat is this? | $6.81B | $6.58B | $6.49B | $5.94B | $4.97B | +3.5% |
| Gross profit | $900.0M | $1.05B | $1.04B | $1.01B | $820.1M | −14.4% |
| Gross marginGross profit ÷ revenueWhat is this? | 13.2% | 16.0% | 16.0% | 17.0% | 16.5% | −2.8 pts |
| Selling, general and administrative | $203.0M | $224.0M | $177.0M | $156.0M | $124.4M | −9.4% |
| Operating income | -$10.0M | $117.0M | $219.0M | $250.0M | $173.3M | n/m |
| Operating marginOperating income ÷ revenueWhat is this? | -0.1% | 1.8% | 3.4% | 4.2% | 3.5% | −1.9 pts |
| Interest expense | $24.0M | $28.0M | $27.0M | $14.0M | $7.5M | −14.3% |
| Income before tax | -$4.0M | $126.0M | $225.0M | $245.0M | $168.3M | n/m |
| Net income | -$7.0M | $91.0M | $171.0M | $179.0M | $124.1M | n/m |
| Net marginNet income ÷ revenueWhat is this? | -0.1% | 1.4% | 2.6% | 3.0% | 2.5% | −1.5 pts |
| Earnings per shareNet income ÷ shares outstanding at the period end — close to, but not the same as, the reported EPSWhat is this? | $-0.1857 | $2.45 | $4.58 | $4.73 | $3.24 | n/m |
† calculated from other reported figures, such as total liabilities as assets minus equity.
Insider activity, ownership stakes and what's coming — straight from EDGAR, before any article is written about it
Officers, directors and major shareholders must report within two business days of a trade.
Had shares withheld to cover taxes — 734 shares at $46.48 ($34.1K)
Holds 21,938 shares after this filing.
Was granted or awarded shares — 187 shares
Holds 22,125 shares after this filing.
20 recent filings, newest first. Each is labelled from its form and item numbers, not from its wording.
Quarterly report for Q2 FY2026
Operating income turned positive · Profit turned positive · Earnings per share turned positive — against Q2 FY2025
Read the filingPublished results
Read the filingWrite down why you are following INSPERITY, INC., what has to go right and what would change your mind, then see each new annual report measured against it. Sign in to start one.
Go deeper
Every figure above traces back to a filing in the timeline, each linked to the document itself.
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Every company's figures are checked for internal consistency: the balance sheet adding up, figures sharing one currency, cash flow and share counts within plausible ranges, and how recent the latest annual report is. Nothing here changes a figure.
Financial figures are from NSP's 10-K for fiscal year 2025 (period ending 2025-12-31, filed Feb 11, 2026), reported under the US GAAP taxonomy. View the source filing. Total liabilities were not tagged directly and were calculated as assets minus equity.
3 of 4 scored areas had enough reported figures to judge
The score averages profitability, growth, debt and accounting. Accounting had too few reported figures and is left out of the average rather than counted as a weakness, so a company is never marked down for a figure it did not publish. Cash generation is shown for context and already feeds profitability. Valuation is scored separately, because a share price says nothing about whether the business is sound. 9 of the 9 Piotroski checks could be evaluated. How the score works
Each year scored only from its annual report as it was first filed
| Fiscal year | Health | F-Score | Scored from |
|---|---|---|---|
| FY2025 | 3.3 | 2/9 | 10-K, filed Feb 11, 2026 |
| FY2024 | 7.3 | 5/9 | 10-K, filed Feb 11, 2025 |
| FY2023 | 7.3 | 6/9 | 10-K, filed Feb 11, 2025 |
| FY2022 | 8.7 | 9/9 | 10-K, filed Feb 10, 2023 |
| FY2021 | 8.7 | 6/9 | 10-K, filed Feb 11, 2022 |
| FY2020 | 6.0 | 6/9 | 10-K, filed Feb 12, 2021 |
A later restatement never reaches back into an earlier year, and every year is scored without a share price, so the latest point can differ a little from the headline score, which uses today's price.
Every check behind the three models, and what each one tests
2 of 9 checks passed
Nine yes-or-no tests of whether this year's finances improved on last year's.
1.24
In the grey zone
For this model, above 2.6 is safe and below 1.1 is distress.
Distance from bankruptcy, from a model fitted on companies that did and did not go bust. It describes a balance sheet's shape today; it does not forecast a failure.
not reported — This company has not reported enough of the required figures to calculate this score.
This company has not reported enough of the required figures to calculate this score.
Screens eight accounting ratios for the pattern earnings manipulators tend to leave. A flag is a reason to read the filing closely, never evidence of wrongdoing.
Every figure above comes from the FY2025 filing as filed with the SEC.
Deteriorated: turned negative
$482.0M to -$309.0MCritical
Why it matters: Cash left after paying for the plant that produced it — the money genuinely available for dividends, buybacks or paying down debt. Harder to flatter than profit.
Deteriorated: turned negative
$2.45 to -$0.19Critical
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: -38.2%
$1.04B to $642.0MSignificant
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Changed: -18.4%
$38.0M to $31.0MSignificant
Why it matters: Neither good nor bad on its own. Heavy spending is a company building capacity or a company struggling to stand still, and the two look identical in this figure.
Deteriorated: -14.4%
$1.05B to $900.0MNotable
Why it matters: What is left of sales after the direct cost of producing them. It normally moves with revenue, so a move out of step with revenue is the part worth noticing.
Deteriorated: −2.8 pts
16.0% to 13.2%Notable
Why it matters: What survives each sale before overheads. Falling gross margin usually means the company is discounting or its input costs rose — it is the earliest place pricing pressure shows.
Deteriorated: −1.9 pts
1.8% to -0.1%Notable
Why it matters: What survives each sale after running the business. A falling operating margin beside a steady gross margin points at overheads — wages, marketing, research — rather than pricing.
Deteriorated: −1.5 pts
1.4% to -0.1%Notable
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Deteriorated: +1.3%
37.2M to 37.7MNotable
Why it matters: New shares divide the same company into more pieces, so each existing holding owns slightly less of it. Often pay for staff or an acquisition rather than anything wrong.
Q2 FY2026 against Q2 FY2025, from the 10-Q filed Jul 30, 2026 — read it.
Improved: turned positive
-$7.0M to $6.0MCritical
Why it matters: Profit from running the business, before interest and tax. Less exposed than profit to one-off financing and tax items, so a clearer read on the business itself.
Improved: turned positive
-$5.0M to $4.0MCritical
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: turned positive
-$0.13 to $0.11Critical
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Improved: +40.4%
$441.0M to $619.0MCritical
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Deteriorated: +13.6%
$369.0M to $419.0MNotable
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
Q2 FY2026 against Q1 FY2026, from the 10-Q filed Jul 30, 2026 — read it. Quarter-to-quarter moves include seasonal swings — a retailer's holiday quarter — which the year-earlier comparison removes.
Deteriorated: -90.3%
$62.0M to $6.0MCritical
Why it matters: Profit from running the business, before interest and tax. Less exposed than profit to one-off financing and tax items, so a clearer read on the business itself.
Deteriorated: -87.9%
$33.0M to $4.0MCritical
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Deteriorated: -87.9%
$0.87 to $0.11Critical
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: -28.1%
$302.0M to $217.0MSignificant
Why it matters: What is left of sales after the direct cost of producing them. It normally moves with revenue, so a move out of step with revenue is the part worth noticing.
Deteriorated: −3.1 pts
15.9% to 12.9%Significant
Why it matters: What survives each sale before overheads. Falling gross margin usually means the company is discounting or its input costs rose — it is the earliest place pricing pressure shows.
Improved: +15.3%
$537.0M to $619.0MSignificant
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Deteriorated: -11.0%
$1.90B to $1.69BNotable
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Deteriorated: −2.9 pts
3.3% to 0.4%Notable
Why it matters: What survives each sale after running the business. A falling operating margin beside a steady gross margin points at overheads — wages, marketing, research — rather than pricing.
Deteriorated: −1.5 pts
1.7% to 0.2%Notable
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Deteriorated: +13.6%
$369.0M to $419.0MNotable
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
3 other measures barely moved. Figures compare the two most recent annual filings — read the latest one. Moves are graded on fixed lines — 5%, 15% and 40% for amounts, and 1, 3 and 8 points for margins — as notable, significant or critical. Nothing here reads the management commentary, which is where a company explains its own numbers.
These coincide with the move in time. None is presented as its cause: a price can move on news that names no company, on the wider market, or on trading that no document records.
Filter by minute, hour, day or week — or compare against peers
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Measured on and published about a week later — this is a fortnightly snapshot, not a live position.
About 7.8% of this company's shares have been borrowed and sold by people expecting to buy them back cheaper. That is a bet the price falls. Those people can be wrong, and when a heavily shorted share rises they have to buy it back, which pushes it up further.
Collected by FINRA from broker-dealers twice a month. It counts positions, not intentions, and some of it is hedging rather than a directional bet against the company.
Nothing in this section is a figure this company reported about itself. These are expectations and positions — what the price implies, what analysts have published, what short sellers are betting, and what large funds held at the last count. WylthIQ reports them; it does not endorse them, does not forecast prices, and takes no view on whether any of them will turn out to be right.
The trailing P/E is 157.6x — a high multiple relative to the current trailing profit.
This company has not reported enough of the required figures to calculate this score.
Gifted shares — 7,500 shares
Holds 797,912 shares after this filing.
Gifted shares — 30,000 shares
Holds 805,412 shares after this filing.
Estimated from how often this has happened before, not a confirmed date.
Not investment advice, and not a signal to act on by itself — a filing says what happened, not why, and insiders trade for ordinary reasons having nothing to do with where they think the company is headed.
Had a director or senior officer leave or join · Held a shareholder vote
Quarterly report for Q1 FY2026
Profit margin −1.0 pts · Free cash flow $376.0M narrower · Profit -35.3% — against Q1 FY2025
Read the filingPublished results
Read the filingProxy statement for a shareholder meeting
Read the filingAnnual report for FY2025
Operating margin −1.9 pts · Operating income turned negative · Profit turned negative — against FY2024
Read the filingAnnounced restructuring or exit costs · Published results
Read the filingSigned a material agreement · Took on a direct financial obligation
Read the filingQuarterly report for Q3 FY2025
Operating margin −1.6 pts · Operating income turned negative · Profit turned negative — against Q3 FY2024
Read the filingSigned a material agreement · Published results
Read the filingQuarterly report for Q2 FY2025
Operating margin −1.9 pts · Operating income turned negative · Profit turned negative — against Q2 FY2024
Read the filingPublished results · Made a Regulation FD disclosure
Read the filingHad a director or senior officer leave or join
Read the filingHad a director or senior officer leave or join · Held a shareholder vote
Read the filingQuarterly report for Q1 FY2025
Operating margin −2.3 pts · Free cash flow turned negative · Operating income -37.0% — against Q1 FY2024
Read the filingPublished results
Read the filingProxy statement for a shareholder meeting
Read the filingAnnual report for FY2024
Operating margin −1.6 pts · Operating income -46.6% · Profit -46.8% — against FY2023
Read the filingPublished results
Read the filingInsperity Third Quarter Earnings Conference Call Thursday, October 29
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Primary sources and further research