| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 62 | — | 17.8x | Around median | |
Growth | 17 | 2.6% | 7.1% | Bottom tier | |
Quality | 16 | -3.1% | 4.5% | Bottom tier | |
Safety | 54 | — | 2.6x | Around median | |
Capital Return | 43 | 4.79% | 2.12% | Around median | |
Momentum | 80 | -8.1% | 2.9% | Top tier | |
Sentiment | 68 | 4 | 3 | Top tier |
Estimates — analyst targets and a simplified DCF, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Insperity provides human resources solutions to small and medium-sized businesses, combining services, specialized consulting, and technology through its HR360 and HRCore offerings, as well as HRScale, which integrates Insperity's services and compliance expertise with client-facing Workday technology. The economics of the business are tied to the number of paid worksite employees, and the company seeks to generate profit by pricing its services and benefits above benefit and operating costs; average paid employees reached 303,049 in Q1 FY2026, while monthly gross profit per employee was 332 dollars.
In Q2 FY2026, Insperity recorded revenue of 1.7 billion dollars and gross profit of 217 million dollars, equivalent to a gross margin of approximately 12.8%, net income of 4 million dollars, and earnings per share of 0.10 dollars. These figures represent a sequential decline from Q1 FY2026, when revenue was 1.9 billion dollars, gross profit was 302 million dollars, net income was 33 million dollars, and earnings per share were 0.88 dollars; the data do not provide a separate financial breakdown of revenue among HR360, HRCore, and HRScale.
On a trailing twelve-month basis ending in FY2026, revenue reached 6.9 billion dollars and gross profit was 886 million dollars, compared with a net loss of 16 million dollars and negative earnings per share of approximately 0.41 dollars. This follows revenue of 6.8 billion dollars, gross profit of 900 million dollars, and a net loss of 7 million dollars in FY2025, illustrating that margin recovery and a return to stable profitability remain central to the investment case.
Automated analysis for informational purposes only — not investment advice.
The average analyst price target is 56.33 dollars, within a range of between 52 and 61 dollars, and the average is only approximately 1.6% below the 52-week range high of 57.22 dollars, compared with a low of 18.57 dollars. The analyst consensus is neutral, and no meaningful price-to-earnings multiple is available given the negative earnings per share for the trailing twelve months ending in FY2026; therefore, reaching the target range depends heavily on successful margin recovery and converting HRScale into actual growth despite the expected employee contraction.
Figures in the text are as of 2026-09-01; the live price is shown at the top of the page.
The business depends heavily on the number of paid worksite employees and the profit generated per employee after benefit costs. Average employees reached 303,049 in Q1 FY2026, down 1% year over year, while monthly gross profit per employee was 332 dollars. Management lowered its FY2026 outlook to 303,000–307,000 employees but maintained its adjusted earnings before interest, taxes, depreciation, and amortization outlook at 170–230 million dollars due to improved margins and expenses.
Q1 FY2026 results showed initial progress, as gross profit declined 3% to 302 million dollars compared with a 21% decline in Q4 FY2025. Benefit cost per covered employee rose 5%, an improvement from the 9% rate recorded during FY2025. The plan relies on the new UnitedHealthcare contract, plan design adjustments, pricing, client selection, and operating efficiency, but management expected less favorable conditions compared with the Q1 result for the remainder of FY2026.
HRScale combines Insperity's human resources and compliance services with Workday technology and targets companies with between 150 and 5,000 employees. Pilot clients were onboarded in March 2026, payroll and invoice processing began in April 2026, and signed commitments reached approximately 6,000 worksite employees scheduled for onboarding within six months. Management believes converting existing clients could improve retention through multi-year contracts, while new accounts could support growth momentum in FY2027 and beyond.
The reduction occurred because sales, client retention, and net hiring within the client base were all slightly below assumptions at the beginning of FY2026. Paid employees from new client sales declined 7% year over year in Q1 FY2026, and client attrition reached 11%. Therefore, the FY2026 average worksite employee outlook became between 303,000 and 307,000, representing a year-over-year decline of between 1% and 2.3%.
Insperity uses artificial intelligence internally in human resources and payroll and is developing HR360 agents to help clients with platform usage, onboarding, access to expertise, and conversational reporting. The company's survey showed that 62% of its clients were testing or integrating artificial intelligence to support employees, routine operations, and customer service. The opportunity is increased demand for technology and consulting, but the corresponding risk is that automation of office and entry-level jobs could pressure hiring growth within the small and medium-sized business client base.
In Q2 FY2026, Insperity recorded revenue of 1.7 billion dollars, gross profit of 217 million dollars, and net income of 4 million dollars. On a trailing twelve-month basis ending in FY2026, revenue reached 6.9 billion dollars and gross profit was 886 million dollars, but the net result was a loss of 16 million dollars. In FY2025, the company recorded revenue of 6.8 billion dollars and a net loss of 7 million dollars, making the sustainability of margin improvement the most important profitability test.
