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Stock Ratings / Consumer Discretionary / NSP
AMN (56) ASTH (57) ICFI (74) MAN (37) ⌘ Pro Terminal β†’

Insperity Inc. (NSP) β€” RQD Stock Rating Cockpit

$53.18 +9.24% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $53.96

Insperity Inc. (NSP) carries a Roarable Rating of E (Strong Sell) with 31/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE E β€’ RED ALERT Cap $1.85B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on NSP Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is NSP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Insperity Inc. (NYSE: NSP) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 31/100 at a spot price of $53.18 (+9.24% 1D, market cap $1.85B). Pillar breakdown: Fundamental Cash Engine 4/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 6/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 3/20. Across 1009 tracked Consumer Discretionary issuers, NSP ranks #858 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does NSP compare to AMN and ASTH in the Consumer Discretionary sector?
β–Ό

Within the Consumer Discretionary sector (Professional Services), NSP carries a Roarable E (31/100 RQD), trailing P/E of N/A, gross margin of 13.2%, and ROIC of -8.9%. By comparison, AMN (AMN Healthcare Services Inc) holds a D+ grade (56/100 RQD, P/E N/A, ROIC -7.2%, cap $1.82B) and ASTH (Astrana Health Inc.) posts a D+ grade (57/100 RQD, P/E 75.7x, ROIC 4.6%, cap $1.81B). Among the 5-stock peer group, ICFI leads on earnings multiple (18.7x) while ICFI leads on capital efficiency (8.1% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NSP?
β–Ό

Per NSP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001000753), Insperity Inc. generated $6.81B in revenue (+3.5% YoY), -$7.0M in net income, and -$309.0M in free cash flow against $2.20B in total assets and $369.0M in total debt. Key quantitative strengths: Established market leader in Consumer Discretionary with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $53.96 (+1.47%)🧬 Dilution Drag (+2.48% YoY Shares)βš™οΈ Cash Engine: 4/20 (E) β€’ 0% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record Warning: Scores below 50 (31/100 Β· E) historically underperformed SPY in 71% of rolling 90-day windows (-9.4% avg 90D alpha vs SPY β€’ 29.0% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERRED ALERT β€’ E
025507510031
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw E Β· Rk E
Cash (4)Whales (12)SEC (6)Macro (6)CEO (3)
Each axis scored 0–20
12M PRICE TARGET CONE-12.1% Base Target
$59 Bull$47 Base$36 Bear
πŸ“¬ FREE NSP RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for NSP)Realized 20D OHLCV Swing Band: Β±11.8%
Deterministic 5-Pillar Attribution (31/100 Composite)
πŸ” WHY NSP SCORES 31/100 (E) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Whale & Options Positioning+12/20 pts (39% of score)

20D Institutional Volume Accumulation (Β±11.8% realized swing band)

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+6/20 pts (19% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 1/9

β–Ό #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
23
Grade E$49.40+1.3% Next Q
Q2 (-2Q)
26
Grade E$50.02+3.5% Next Q
Q3 (-1Q)
28
Grade E$51.79+2.7% Next Q
Current
31
Grade E$53.18-9.4% Hist 90D Ξ±
Trajectory: E (23) β†’ E (31)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a NSP Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While NSP currently carries a cautious 31/100 (E) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Consumer Discretionary with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($49.95) and Max Pain ($55.84) forces dealer call-delta covering toward $58.70.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NSPβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œNSP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 31%NO 69%Trade / Inspect Odds β†’
RSI-14 MOMENTUMNEUTRAL RANGE
47.430 Oversold Β· 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
1 / 99-Pt Accounting
52-WEEK LASER RANGE93% OF RANGE
L: $19$53.18H: $56
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: ERQD 4 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 15 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: ERQD 12 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

3-of-3 Quant Analysts Bearish Warning on NSP

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (20)

-8.9% ROIC with 13.2% gross margin and -17.48% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BEARISH (30)

Altman-Z 4.20 and Piotroski 1/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (35)

15/40 institutional & smart-money positioning score with 6/20 macro alignment.

Bull Case: Why Buyers Like NSP
  • βœ“Established market leader in Consumer Discretionary with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
  • !Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NSP)

  • βœ“Walkthrough of NSP's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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NSP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +79.97%⚑ TESTING RESISTANCE
2026-11-03O $46.29H $53.18L $46.29C $53.18VOL 1.10M
RES: $55.12SUP: $44.28SMA50: $49.95SMA200: $39.52
$57.97$49.38$40.79$32.20$23.61RES $55.12SUP $44.28$53.182026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NSP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ NSP Butterfly Map β†’ + Track NSP β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +3.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on NSP today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for NSP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for NSP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NSP)

Consumer Discretionary Rank #858 of 1009 βš”οΈ AMN vs NSP Full Matrix β†’

1. Head-to-Head Consumer Discretionary Peer Comparison (NSP vs. AMN, ASTH, ICFI, MAN)

Industry: Professional Services (48 Tracked Issuers)

Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, Insperity Inc. (NSP) ranks #858 by composite RQD confidence (31/100, grade E) and #423 by equity capitalization ($1.85B). Within this direct 5-issuer industry benchmark cohort, ICFI leads on earnings valuation at 18.7x trailing P/E, while ICFI leads on capital efficiency and profitability with 8.1% ROIC and 37.2% gross margin. ICFI currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with NSP at 31/100 (E).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
NSP ACTIVE
Insperity Inc.
E 31/100 β€” 13.2% -8.9% +9.24% $1.85B Benchmark Subject
AMN
AMN Healthcare Services Inc
D+ 56/100 β€” 28.3% -7.2% -2.84% $1.82B /amn-vs-nsp β†’
ASTH
Astrana Health Inc.
D+ 57/100 75.7x β€” 4.6% +0.96% $1.81B /asth-vs-nsp β†’
ICFI
ICF International Inc.
B 74/100 18.7x 37.2% 8.1% +3.18% $1.71B /icfi-vs-nsp β†’
MAN
ManpowerGroup
D- 37/100 β€” 16.7% 5.3% +2.79% $2.15B /man-vs-nsp β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001000753 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Insperity Inc. (NSP) reported GAAP revenue of $6.81B (+3.5% vs. FY2024 revenue of $6.58B , and +5.0% cumulative change since FY2023) , GAAP net income of -$7.0M, operating cash flow of -$278.0M, and free cash flow of -$309.0M (-164.1% YoY). On the balance sheet, NSP closed FY2025 with $2.20B in total assets against $369.0M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 1/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $6.81B -$7.0M -$278.0M -$309.0M $2.20B $369.0M
FY2024 (FY) 2024-12-31 $6.58B $91.0M $520.0M $482.0M $2.60B $369.0M
FY2023 (FY) 2023-12-31 $6.49B $171.0M $198.0M $198.0M β€” β€”

3. NSP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NSP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Insperity Inc. (NYSE: NSP) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 31/100 at a spot price of $53.18 (+9.24% 1D, market cap $1.85B). Pillar breakdown: Fundamental Cash Engine 4/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 6/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 3/20. Across 1009 tracked Consumer Discretionary issuers, NSP ranks #858 in composite RQD confidence.

How does NSP compare to AMN and ASTH in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Professional Services), NSP carries a Roarable E (31/100 RQD), trailing P/E of N/A, gross margin of 13.2%, and ROIC of -8.9%. By comparison, AMN (AMN Healthcare Services Inc) holds a D+ grade (56/100 RQD, P/E N/A, ROIC -7.2%, cap $1.82B) and ASTH (Astrana Health Inc.) posts a D+ grade (57/100 RQD, P/E 75.7x, ROIC 4.6%, cap $1.81B). Among the 5-stock peer group, ICFI leads on earnings multiple (18.7x) while ICFI leads on capital efficiency (8.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NSP?

Per NSP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001000753), Insperity Inc. generated $6.81B in revenue (+3.5% YoY), -$7.0M in net income, and -$309.0M in free cash flow against $2.20B in total assets and $369.0M in total debt. Key quantitative strengths: Established market leader in Consumer Discretionary with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NSP trading relative to its 50-day, 200-day, and 52-week technical levels?

NSP last traded at $53.18 (+9.24% on volume of 656,703 shares), positioning the stock +6.47% above its 50-day simple moving average ($49.95) and +34.56% above its 200-day simple moving average ($39.52). Across its 52-week range of $18.57 to $55.90, NSP sits at the 92.7% percentile with a 14-day RSI of 47.4 (NEUTRAL RANGE) and an implied next-earnings move of Β±11.8% ($46.90 to $59.46).

Direct Sub-Reports: NSP RQD Cockpit NSP 12M Forecast NSP Earnings & Move NSP Dividends & DRIP NSP Insiders & 13F NSP Whale Options NSP Profit Sankey NSP News & Why
ROARABLE RATING BRIEF β€’ RQD 31/100 (E) βœ“ SEC XBRL & RQD VERIFIED

NSP β€” Insperity Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Insperity Inc. (NSP) earns a live Roarable RQD composite score of 31/100, corresponding to a E letter grade (Roarable Strong Sell) at a spot price of $53.18 (+9.24% 1D, market capitalization $1.85B).

  • Fundamental Cash Engine (4/20): Anchored by return on invested capital (ROIC) of -8.9%, gross margin of 13.2%, operating margin of -0.1%, and free cash flow yield of -17.48%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (3/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (6/20) + Forensic Balance Sheet (6/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 1/9, and Debt/Equity of 8.02x.

2. Business Model, Unit Margins & SEC Financial Trajectory

Insperity Inc. Is a NYSE-listed company classified under the Consumer Discretionary sector and the Professional Services industry. Reported gross margin is 13.2%, while operating and net margins are each -0.1% per the market data section.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Insperity Inc. (NSP) reported $6.81B in annual revenue (up from $6.58B in FY2024, +3.5% YoY) and -$7.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($6.49B revenue, $171.0M net income) through FY2025, NSP scaled operating cash flow to -$278.0M and free cash flow to -$309.0M, backed by $2.20B in total assets against $369.0M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (E β€’ RQD 31/100): Established market leader in Consumer Discretionary with deep daily trading liquidity. Free cash flow yield of -17.48% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 4/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $18.57 – $55.90 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -0.1% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore β€” The only sector context provided is the Consumer Discretionary / Professional Services classification and a beta of 1.0 per the market data section.

  • Key Question #1: Can NSP sustain or expand its -0.1% operating margin and -8.9% ROIC against Professional Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $6.81B and free cash flow of -$309.0M, how will capital allocation balance growth reinvestment against $369.0M in total debt?
  • Key Question #3: How sensitive is NSP's equity valuation to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

NSP Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Insperity Inc. (NSP) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to NSP Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NSP Bull vs. Bear Conversation Board β€” What's Your Call at $53.18?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NSP 🐻 33% BEARISH CONVICTION
1. Pick Your Side on NSP:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER β€’ Growth & Tech Investor πŸ‚ BULLISH 🎯 Target: $62.80 (+29.0%)
πŸ“Œ Pinned Debate

A 5.09% dividend yield and a Q3 adjusted EPS beat of $0.22 versus a $0.21 estimate offer a possible turnaround signal.

The street is overcomplicating Insperity Inc. (NSP). A 5.09% dividend yield and a Q3 adjusted EPS beat of $0.22 versus a $0.21 estimate offer a possible turnaround signal.. With an RQD score of 31/100 (E) and Forensic Balance Sheet at 6/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $52.57.

CapAlloc_Nerd πŸ‚ BULL

@CreditSpread_Watch Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Professional Services. If gross margin (13.2%) holds, EPS grows into the multiple faster than bears think.

CR CreditSpread_Watch RQD DEBATE OPENER β€’ Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $37.97 (-22.0%)
Spot @ $48.68

Free cash flow of -$309.0M, ROIC of -8.9%, and an insider conviction score of 3 of 20 point to forensic and cash-generation risk.

I respect the product at Insperity Inc., but the stock at $48.68 is a different story. Free cash flow of -$309.0M, ROIC of -8.9%, and an insider conviction score of 3 of 20 point to forensic and cash-generation risk.. FCF yield is -17.48% and RQD sits at 31/100 (E) β€” why pay up here when you can wait for next quarter's numbers?

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