Built from weaker models, sales multiples or analyst targets, so treat it as a rough guide.
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Valued as a loss-making company: Sales comps and Analyst consensus.
ACCE opinionInsperity Inc. Common Stock (NSP)
Fair value (4 models)
Not available
ACCE price target
$48.70
Rating
Not rated
Horizon
12 months
ACCE price target published on 11 Oct 2026, 00:00 CEST.
Price used: $54.44 at the close on 23 Oct 2026, 22:00 CEST.
Models: Analyst consensus and Sales comps.
Fair value: the average of the applicable valuation models (discounted cash flow, multiples, residual income, dividend discount, shareholder yield), each run on the latest financial statements and the market price shown. Opinion columns (fair value, target, rating) are shown apart from the data. Full methodology: acceinvestments.com/data/how-we-value-stocks
Conflicts of interest: The author holds no personal position in this security. General statement
Produced by ACCE Investments (acceinvestments.com)
Data
ACCE score
40
out of 100
Analysts
20% buy
5 covering
1-year return
+17.4%
Dividend yield
4.49%
Insperity Inc. Common Stock in four questions
Plain answers, details below
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Overview
ACCE thesis
Insperity sells outsourced HR, payroll, benefits and workers' compensation administration to small and mid-sized businesses, billing them on a per-employee basis through a professional employer organization (PEO) model. The moat is scale in benefits purchasing and compliance infrastructure, which small employers cannot easily replicate, but the business is not yet converting that scale into earnings: revenue growth is 1.7%, operating margin is 0.4%, and ROE is -18.5%. The forward P/E of 18.1 is the only earnings anchor here, since trailing P/E is zero on a loss-making base, so the case rests on whether margins recover from near zero. The scoring model rates the name 38/100 and it sits outside major indices, which keeps coverage thin and the setup worth a deeper look only if the margin recovery path can be verified in the filings.
⚠ Investor warnings · 3 flagsAI-assisted·How I use AI
high
Free cash flow deeply negative
Free cash flow is $-309M against a $2.0B market cap, with debt/equity at 9.46. The company is burning cash while leveraged, which limits room for error.
high
Earnings falling sharply
Earnings are down 35.3% year over year while revenue grew only 1.7%. Operating margin is 0.4% and net margin is -0.2%, so profitability is thin and deteriorating.
moderate
Short interest elevated
Short interest sits at 9.6% of float, meaning a meaningful minority of holders are betting against the shares alongside the weak earnings trend.
AI research notes
AI-assisted·How I use AIWritten Oct 18, 2026 · figures from 2026-06-30 · prices to Oct 23, 2026
Why it could do well
The latest quarter beat expectations, with earnings per share of 0.10 against a forecast of -0.03.
Revenue grew 9.7% per year on average over five years, showing a long record of expansion.
Why it could disappoint
Free cash flow over the last 12 months was -$309M, so the business is consuming cash rather than generating it.
Return on equity of -18.5% and return on invested capital of -1.2% show the company is currently destroying value for shareholders.
Debt to equity of 9.46 means the balance sheet is heavily leveraged, which leaves little room for error.
Each chip shows the exact figure and where it comes from. A claim without a source is not published.
Next results
Oct 29, 2026
We update the fair value about 2 days after the results, once the new figures are filed.Add to calendarGoogle
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Valuation
INVESTOR
Where NSP's valuation models land
Price
$54.44
Model fair valueConfidence: low
about $139
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