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NSPInsperity, Inc.Sell4.7·$43.90-3.62%
SellModerate Confidence
Investment thesis

NSP shows insiders buying into weakness, but the stock already trades well below its analyst target with quality scoring below the engine's floor, a negative asymmetry ratio, and a recent string of earnings misses.

Thesis pillars

  • Target Reached Limited UpsideStable
  • Quality Below Engine FloorStable
  • Negative Asymmetry Risk RewardStable
  • +2 more pillars — see the Why tab for full reasoning

Full reasoning →

Open full analysis

Insperity, Inc. (NSP) Stock Analysis

Breakout setup · Inst Constrain edge

SellValueGrowthModerate Confidence

Industrials · Staffing & Employment Services

Sell if holding. Engine safety override at $43.90: Quality below floor (1.6 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.7/10. Specifically: High short interest: 14%; Below-average business quality.

We provide an array of human resources ("HR") and business solutions designed to help improve business performance. Since our formation in 1986, we have evolved from being solely a professional employer organization ("PEO"), an industry we pioneered, to our current position as a... Read more

$43.90+4.5% A.UpsideScore 4.7/10#7 of 9 Staffing & Employment Services
QualityF-score4 / 9FCF yield5.03%
IncomeYield5.29%(5y avg 2.91%)Payout500.00%at-risk
Stop $40.83Target $45.86(resistance)A.R:R -1.6:1
Analyst target$39.50-10.0%4 analysts
$45.86our TP
$43.90price
$39.50mean
$33
$54

Sell if holding. Engine safety override at $43.90: Quality below floor (1.6 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.7/10. Specifically: High short interest: 14%; Below-average business quality. Chart setup: Golden cross, above all MAs, RSI 69, MACD bullish. Score 4.7/10, moderate confidence.

Passes 6/8 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 22d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Jul 29, 202622d to earnings· next earnings call

Thesis

Rewards
No bull case signals
Risks
Target reached (-23.5% upside)
Quality below floor (1.6 < 4.0)

Key Metrics

P/E (TTM)
P/E (Fwd)15.8
Mkt Cap$1.7B
EV/EBITDA104.2
Profit Mgn-0.4%
ROE-26.9%
Rev Growth1.7%
Beta0.57
Dividend5.29%
Rating analysts12

Quality Signals

Piotroski F4/9

Options Flow

P/C0.37bullish
IV84%elevated

Material Events(8-K, last 90d)

  • 2026-05-20Item 5.02MEDIUM
    . Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangement of Certain Officers.
    SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

5 floor-breakers·1 ceiling hit

Unprofitable operations — net margin -0.4%. Quality floor flags this regardless of sector context.static

Roe
0.0
Roa
0.0
Gross Margin
0.0
Net Margin
0.0
Operating Margin
1.3
Moat
3.1
Current Ratio
4.3
Piotroski F
4.4
No competitive moatQuality concerns

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Revenue Growth
2.9
Low model confidence on this dimension (33%).

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Quality Rank
1.1
Value Rank
5.6
Growth Rank
5.6

No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static

Earnings History
0.0
Surprise Avg
0.0
Erm
5.0
Earnings Timing
5.0
Dividend Safety
5.5
Earnings concerns: 1B/3MDividend: 5.3%

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Bollinger
2.0
Support Resistance
2.1
52w Position
4.7
Gap
6.0
GatesA.R:R -1.6=NEGATIVEExecutive change: officer departure/appointmentMomentum 6.6>=5.5Insider activity: OKNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 22d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
69 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $33.10Resistance $46.80

Price Targets

$41
$46
A.Upside+4.5%
A.R:R-1.6:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-23.5% upside)
! Quality below floor (1.6 < 4.0)
! Negative risk/reward — downside exceeds upside

Earnings

B
M
M
M
1/4 beats
Next Earnings2026-07-29 (22d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is NSP stock a buy right now?

Sell if holding. Engine safety override at $43.90: Quality below floor (1.6 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 4.7/10. Specifically: High short interest: 14%; Below-average business quality. Chart setup: Golden cross, above all MAs, RSI 69, MACD bullish. Prior stop was $40.83. Score 4.7/10, moderate confidence.

What is the NSP stock price target?

Take-profit target: $45.86 (+4.5% upside). Prior stop was $40.83. Stop-loss: $40.83.

What are the risks of investing in NSP?

Target reached (-23.5% upside); Quality below floor (1.6 < 4.0).

Is NSP overvalued or undervalued?

Insperity, Inc. trades at a P/E of N/A (forward 15.8). TrendMatrix value score: 8.1/10. Verdict: Sell.

What do analysts say about NSP?

12 analysts cover NSP with a consensus score of 2.5/5. Average price target: $40.

What does Insperity, Inc. do?We provide an array of human resources ("HR") and business solutions designed to help improve business performance....

We provide an array of human resources ("HR") and business solutions designed to help improve business performance. Since our formation in 1986, we have evolved from being solely a professional employer organization ("PEO"), an industry we pioneered, to our current position as a comprehensive business performance solutions provider.

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