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INSPERITY, INC.

NSP

$52.49 ▲ +1.18 (+2.30%) at close

19 Visible periods

32 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Weak

Bearish

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Analytical Summary

INSPERITY, INC. faces fundamental challenges with weakness in Debt to Equity. The fundamentals warrant careful consideration of downside risks.

Market Cap $2.0B

Dividend Yield —

Revenue Growth 3.5% ↗

Op. Margin -0.1% ↘

ROIC -4.2% ↘

FCF / Share $-8.13 ↘

Trailing P/E —

Price / Book 43.0x

FCF Yield —

Debt / Equity 8.02

info Valuation on last close. End-of-day price, Aug 7, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$6.81B

↑ +3.5% —

Net Income Profit after all expenses

$-7.00M

↓ -107.7% —

Operating Margin Operating profit as % of sales

-0.1%

↓ -108.3% 27th

FCF / Share Free cash flow per share

$-8.13

↓ -164.1% —

Long-Term Debt Long-term obligations

$369.00M

— 0.0% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability

Returns

Financial Health

Cash Quality ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.60 Latest / share

+0.0% YoY

$0.45

Q3 FY2022

Q4 FY2022

$0.52

Q1 FY2023

$0.52

Q2 FY2023

$0.52

Q3 FY2023

Q4 FY2023

$0.57

Q1 FY2024

$0.60

Q2 FY2024

$0.57

Q3 FY2024

Q4 FY2024

$0.60

Q1 FY2025

$0.60

Q2 FY2025

$0.60

Q3 FY2025

Q4 FY2025

$0.60

Q1 FY2026

$0.60

Q2 FY2026

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	3.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-30%)	1.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-71%)	9.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+84%)	19.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+288%)	16.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+220%)	-0.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-113%)	12.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+154%)	16.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+220%)	12.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+144%)	13.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+159%)	10.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+109%)	4.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-10%)	4.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-10%)	9.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+85%)	14.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+198%)	4.0% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-19%)	-4.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-183%)	—	—
EPS Growth YoY (%)	N/M	-46.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-3.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	46.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-9.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-4.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	14.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	60.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	30.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-1.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	50.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-16.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-20.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	35.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	34.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	32.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-63.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	-46.8% Weak ↓ Weak Declining Year-over-year change in net income	-4.7% Weak ↓ Weak Declining Year-over-year change in net income	44.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-10.2% Weak ↓ Weak Declining Year-over-year change in net income	-8.5% Weak ↓ Weak Declining Year-over-year change in net income	11.6% Fair ↓ Fair Declining Year-over-year change in net income	60.4% Excellent ↑ Excellent Improving Year-over-year change in net income	27.9% Excellent ↓ Excellent Declining Year-over-year change in net income	67.5% Excellent ↑ Excellent Improving Year-over-year change in net income	40.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-12.6% Weak ↓ Weak Declining Year-over-year change in net income	-20.7% Weak ↓ Weak Declining Year-over-year change in net income	32.6% Excellent ↑ Excellent Improving Year-over-year change in net income	35.8% Excellent ↑ Excellent Improving Year-over-year change in net income	35.4% Excellent Excellent Year-over-year change in net income	-63.8% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	N/M	205.1% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-50.1% Weak ↓ Weak Declining Year-over-year change in free cash flow	40.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-8.2% Weak ↓ Weak Declining Year-over-year change in free cash flow	74.0% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	2.4% Caution ↓ Caution Declining Year-over-year change in free cash flow	-17.4% Weak ↓ Weak Declining Year-over-year change in free cash flow	84.9% Excellent ↓ Excellent Declining Year-over-year change in free cash flow	21.9% Good ↓ Good Declining Year-over-year change in free cash flow	-60.8% Weak ↓ Weak Declining Year-over-year change in free cash flow	433.7% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-68.2% Weak ↓ Weak Declining Year-over-year change in free cash flow	75.0% Excellent Excellent Year-over-year change in free cash flow	-41.4% Weak Weak Year-over-year change in free cash flow	—	—	—	—
Revenue CAGR 3Y (%)	4.7% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	9.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	14.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	13.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	13.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	9.3% Fair Fair Compound annual revenue growth over 3 years	4.6% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	9.7% Good ↓ Good Declining Compound annual revenue growth over 5 years	8.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.1% Good → Good Stable Compound annual revenue growth over 5 years	12.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.1% Good → Good Stable Compound annual revenue growth over 5 years	10.5% Good → Good Stable Compound annual revenue growth over 5 years	12.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.9% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.6% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.4% Fair Fair Compound annual revenue growth over 5 years	5.5% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	-8.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	8.3% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	8.1% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-0.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	20.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	33.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	27.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	24.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	7.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	0.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-3.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	13.3% Good ↑ Good Improving Compound annual EPS growth over 3 years	34.2% Excellent Excellent Compound annual EPS growth over 3 years	-13.3% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	-0.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-101%)	1.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	3.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	4.2% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	3.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	4.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	4.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	4.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	3.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	3.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	2.5% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	2.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	2.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	3.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	2.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	2.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	1.6% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	3.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	—
Effective Tax Rate (%) (%)	-75.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.9% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.3% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	-0.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-101%)	1.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	2.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	3.0% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	2.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	3.2% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	3.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	3.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	2.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	2.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	1.5% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	1.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	1.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	1.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	1.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	1.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-84%)	1.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	2.7% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	—
FCF Margin (%) (%)	-4.5% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	7.3% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	2.4% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	5.3% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	4.6% Weak → Weak Stable Free cash flow as a percentage of revenue Optimal: > 10%	5.8% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	3.4% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	3.9% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	5.5% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	3.4% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	1.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	5.2% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	1.0% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	3.4% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	2.1% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	4.2% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-0.4% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	5.3% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	44.14x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	5.30x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.92x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.77x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.83x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.80x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.99x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.10x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	2.13x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	1.50x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.20x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	4.38x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.72x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.81x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.39x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	3.21x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-0.43x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	1.99x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%)	-4.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	18.1% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	35.9% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	40.6% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	34.8% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	37.2% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	53.9% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	63.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	60.1% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	50.9% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	30.1% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	18.4% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	17.5% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	22.1% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	18.5% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	12.2% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	9.6% Fair Fair Return earned on debt + equity capital invested Optimal: > 10%	24.6% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	-0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	4.5% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	10.3% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	12.3% Good → Good Stable Operating profit relative to total assets Optimal: > 10%	9.9% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	12.3% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	13.4% Good → Good Stable Operating profit relative to total assets Optimal: > 10%	15.0% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	12.2% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	11.7% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	8.4% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	6.0% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	7.3% Fair → Fair Stable Operating profit relative to total assets Optimal: > 10%	9.0% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	8.0% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	5.6% Caution Caution Operating profit relative to total assets Optimal: > 10%	4.7% Caution Caution Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-15.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-201%)	93.8% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+525%)	181.9% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+1113%)	220.7% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+1371%)	—	—	—	174.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+1062%)	127.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+748%)	109.0% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+627%)	22.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+52%)	13.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	12.6% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	16.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	12.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	9.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	7.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	22.0% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+46%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	8.02x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+1046%)	3.80x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+443%)	3.93x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+461%)	4.55x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+549%)	-208.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-29847%)	8.37x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+1096%)	66.05x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+9335%)	1.86x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+166%)	1.57x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+125%)	1.72x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+146%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—	—	—	—
Interest Coverage (x)	-0.42x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	4.18x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	8.11x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	17.61x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	23.24x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	24.29x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	24.41x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	38.35x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	40.44x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	44.37x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	143.14x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—	—	—	—	—	—	—	—
Net Debt (USD)	$-273.00M	$-670.00M	$-324.00M	$-363.43M	$-206.41M	$-185.45M	$-97.94M	$-182.37M	$-249.86M	$-181.63M	$-269.54M	$-276.46M	$-225.75M	$-264.54M	$-211.21M	$-234.83M	$-227.09M	$-252.19M	$-135.79M
Debt / EBITDA (x)	10.54x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.29x Fair ↑ Fair Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.41x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.27x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.74x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.64x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.25x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.72x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.70x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.85x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.00x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$179.26	$173.18	$170.68	$155.81	$129.40	$111.34	$107.37	$92.89	$80.36	$70.59	$107.11	$95.43	$90.79	$86.33	$77.79	$68.10	—	—	—
Basic EPS, GAAP (USD)	$-0.19	$2.44	$4.53	$4.70	$3.22	$3.57	$3.72	$3.24	$2.02	$1.55	$1.58	$1.05	$1.25	$1.57	$1.16	$0.86	$0.65	$1.78	—
Free Cash Flow per Share (USD)	$-8.13	$12.68	$4.16	$8.33	$5.91	$6.45	$3.70	$3.62	$4.38	$2.37	$1.94	$4.96	$0.93	$2.93	$1.67	$2.85	—	—	—
Book Value per Share (USD)	$1.22	$2.61	$2.52	$2.15	$-0.05	$1.15	$0.10	$1.88	$1.61	$1.45	$7.09	$8.26	$10.19	$9.63	$9.65	$9.52	—	—	—
Tangible Book Value per Share (USD)	$1.22	$2.61	$2.52	$2.15	$-0.05	$0.82	$-0.21	$1.88	$1.31	$1.15	$7.09	$8.26	$9.61	$8.95	$8.82	$8.95	—	—	—
Basic Weighted Avg Shares (shares)	38.00M	38.00M	38.00M	38.12M	38.43M	38.50M	40.19M	41.22M	41.07M	41.67M	24.31M	24.71M	24.85M	25.01M	25.41M	25.25M	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD)	$102.00M	$155.00M	$159.00M	$158.50M	$116.28M	$172.34M	$105.70M	$94.20M	$54.21M	$39.36M	$54.34M	$66.74M	$128.63M	$115.71M	$126.56M	$144.48M	$127.63M	—	—
LT Debt (USD)	$369.00M	$369.00M	$369.00M	$369.40M	$369.40M	$369.40M	$269.40M	$144.40M	$104.40M	$104.40M	$0.00	—	—	—	—	—	—	—	—
Total Equity (USD)	$46.00M	$97.00M	$94.00M	$81.28M	$-1.77M	$44.13M	$4.08M	$77.68M	$66.32M	$60.52M	$172.46M	$204.10M	$253.27M	$240.91M	$245.21M	$240.40M	$223.16M	$208.48M	$198.68M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$6.81B	$6.58B	$6.49B	$5.94B	$4.97B	$4.29B	$4.31B	$3.83B	$3.30B	$2.94B	$2.60B	$2.36B	$2.26B	$2.16B	$1.98B	$1.72B	$1.65B	$1.72B	—
Depreciation Expense (USD)	$45.00M	$44.00M	$43.00M	$40.66M	$38.55M	$31.19M	$28.72M	$22.84M	$18.18M	$16.64M	$18.57M	$21.39M	$21.03M	$18.18M	$15.22M	$14.95M	$16.56M	$15.54M	—
Net Income, GAAP (USD)	$-7.00M	$91.00M	$171.00M	$179.35M	$124.08M	$138.24M	$151.10M	$135.41M	$84.40M	$65.99M	$39.39M	$28.00M	$32.03M	$40.40M	$30.47M	$22.44M	$16.57M	$45.78M	—
Operating Cash Flow (USD)	$-278.00M	$520.00M	$198.00M	$347.69M	$260.15M	$346.35M	$205.15M	$184.48M	$213.20M	$132.67M	$65.08M	$141.71M	$34.66M	$90.80M	$73.91M	$78.84M	$831.00K	$117.79M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 72 quarters

INSPERITY, INC.

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