$51.79

-2.15 (-3.99%)

After Hours: $53.59 (+1.80, +3.47%)

Weekly Expected Move ±6.4%

$47 $51 $54 $58 $61

NYSE · Industrials · Staffing & Employment Services · Tech Score Strong Buy · Power 68 · $2.1B mcap · 36M float · 1.50% daily turnover · Short 67% of daily vol

Credit Risk of going bust: higher than 67% of companies Debt: 18.8% of company value Bonds: none of note held by US funds details ▾

Of US companies ranked in the middle of the pack, about 1 in 580 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $1.41 (down 97%), Insperity, Inc. would be worth roughly what it owes.
Total debt $478.0M against a stock market value of $2.06B.
Distance to default 3.65 (Merton model): prices to 2026-10-26, balance sheet 2026-06-30, debt counted $209.5M (short-term plus half of long-term), stock volatility 67.2%; Altman Z'' 1.51. A ranking and a back-test, not a forecast.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

42.8 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 3.0%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale ★

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. NSP shows a Weak competitive edge (42.8/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Efficient Scale. ROIC of 3.0% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$56

Low

$59

Avg Target

$61

High

Based on 3 analysts since Jul 29, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 3Hold: 4Sell: 1Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$58.67

Analysts3

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-07-31	Roth Capital	—	$59	$61	+2	+21.7%	$50.13
2026-07-31	Robert W. Baird	Mark Marcon	$36	$56	+20	+3.6%	$54.03
2026-07-29	Roth Capital	—	$54	$59	+5	+10.9%	$53.18
2026-07-22	Truist Financial	Tobey Sommer	$35	$52	+17	+1.7%	$51.11
2026-05-01	Roth Capital	—	$62	$54	-8	+73.7%	$31.09
2026-02-11	UBS	—	Initiated	$56	—	+60.8%	$34.82
2026-02-11	Robert W. Baird	Mark Marcon	$109	$36	-73	+7.0%	$33.66
2026-01-05	Roth Capital	Jeff Martin	$71	$62	-9	+55.9%	$39.77
2026-01-04	Goldman Sachs	—	Initiated	$62	—	+60.5%	$38.62
2025-11-04	Truist Financial	Tobey Sommer	$82	$35	-47	-12.1%	$39.83
2025-11-04	Roth Capital	Jeff Martin	Initiated	$71	—	+77.3%	$40.05
2025-04-15	Truist Financial	Tobey Sommer	$120	$82	-38	-1.5%	$83.29
2024-10-22	J.P. Morgan	Andrew Polkowitz	Initiated	$90	—	+7.1%	$84.05
2024-05-17	Robert W. Baird	Mark Marcon	Initiated	$109	—	+3.7%	$105.09
2022-07-15	Truist Financial	Tobey Sommer	Initiated	$120	—	+21.1%	$99.11

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. NSP receives an overall rating of C. Strongest factors: DCF (5/5). Areas of concern: ROE (1/5), ROA (1/5), D/E (1/5), P/E (1/5), P/B (1/5).

Rating Change History

Date	From	To
2026-02-11	B-	C
2026-01-03	B	B-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 31 Grade D

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. NSP scores highest in Safety (100/100) and lowest in Profitability (4/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score

4.01

Safe Zone

Piotroski F-Score

3/9

✗ ✓ ✗ ✓ ✓ ✗ ✗ ✗ ✗

Beneish M-Score

-3.02

Unlikely Manipulator

Ohlson O-Score

-3.98

Bankruptcy prob: 1.8%

Low Risk

Credit Rating

BB+

Score: 49.0/100

Trend: Deteriorating

Earnings Quality

—

OCF/NI: -19.12x

Accruals: -15.1%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. NSP scores 4.01, placing it in the Safe Zone (safe > 2.99, distress < 1.81). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. NSP scores 3/9, suggesting weak financial fundamentals — the company fails the majority of these accounting tests. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. NSP's score of -3.02 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. NSP's implied 1.8% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. NSP receives an estimated rating of BB+ (score: 49.0/100), with a deteriorating trend.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

-124.51x

PEG

1.84x

P/S

0.29x

P/B

32.32x

P/FCF

5.60x

P/OCF

5.03x

EV/EBITDA

25.89x

EV/Revenue

0.20x

EV/EBIT

139.83x

EV/FCF

5.08x

Earnings Yield

-1.04%

FCF Yield

17.87%

Shareholder Yield

4.68%

Graham Number

—

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. NSP currently has negative earnings — the P/E ratio is not meaningful.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

8.000

NI / EBT

Interest Burden

-0.200

EBT / EBIT

EBIT Margin

0.001

EBIT / Rev

Asset Turnover

3.232

Rev / Assets

Equity Multiplier

24.578

Assets / Equity

ROE

-18.5%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. NSP's ROE of -18.5% is driven by financial leverage (equity multiplier: 24.58x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 8.00 indicates minimal tax leakage — the company retains over 90% of pre-tax earnings.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

—

Price/Value

—

Margin of Safety

—

Premium

—

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$51.82

Median 1Y

$42.79

5th Pctile

$16.98

95th Pctile

$107.62

Ann. Volatility

52.1%

Analyst Target

$58.67

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Paul J. Sarvadi, Chief Executive Officer and Chairman of the Board	$1,206,000	$14,558,893	$16,813,013
A. Steve Arizpe, President and Chief Operating Officer	$774,000	$4,031,060	$5,451,090
James D. Allison, Executive Vice President of Finance, Chief Financial Officer and Treasurer	$580,000	$1,473,396	$2,502,983
Christian P. Callens, Senior Vice President of Legal, General Counsel and Secretary	$470,000	$1,052,193	$1,838,608

CEO Pay Ratio

293:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $16,813,013

Avg Employee Cost (SGA/emp): $57,381

Employees: 4,200

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

4,200

-6.7% YoY

Revenue / Employee

$1,621,905

Rev: $6,812,000,000

Profit / Employee

$-1,667

NI: $-7,000,000

SGA / Employee

$57,381

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	1.7%	5.9%	2.5%	2.3%	1.9%	4.5%	2.4%	2.2%	2.6%	2.0%	1.1%	1.2%	1.1%	95.3%	48.6%	31.5%	16.0%	-9.8%	-26.9%	-18.5%	-18.50%
ROA	7.3%	7.4%	7.1%	7.8%	8.6%	9.5%	10.3%	9.7%	10.1%	8.2%	7.5%	8.2%	6.1%	3.9%	3.0%	1.9%	0.9%	-0.3%	-1.2%	-0.8%	-0.75%
ROIC	3.8%	-72.7%	-94.7%	-1.9%	-1.4%	-70.4%	-1.2%	-2.7%	-99.2%	-88.5%	-1.3%	-1.2%	1.5%	-16.2%	-4.3%	36.5%	3.1%	4.4%	21.8%	3.0%	2.96%
ROCE	23.1%	28.1%	29.1%	31.3%	33.0%	37.9%	39.5%	36.3%	41.1%	36.9%	33.4%	35.0%	27.3%	23.1%	16.8%	12.4%	8.6%	3.4%	1.8%	1.5%	1.55%
Gross Margin	16.4%	13.2%	18.1%	16.7%	17.0%	16.2%	18.8%	14.2%	16.6%	14.1%	19.1%	16.2%	14.7%	13.5%	16.6%	13.4%	12.0%	10.3%	15.4%	13.2%	13.17%
Operating Margin	3.3%	1.1%	6.2%	3.4%	3.7%	3.4%	6.8%	1.0%	3.8%	1.4%	6.0%	1.4%	0.1%	-0.9%	3.7%	-0.4%	-1.5%	-2.8%	3.3%	0.4%	0.36%
Net Margin	2.3%	0.8%	4.4%	2.3%	2.6%	2.6%	5.4%	0.8%	2.9%	1.2%	4.4%	1.1%	0.2%	-0.6%	2.7%	-0.3%	-1.2%	-2.0%	1.7%	0.2%	0.24%
EBITDA Margin	4.1%	2.0%	6.9%	4.1%	4.6%	4.5%	7.9%	2.1%	5.1%	2.7%	7.2%	2.7%	1.3%	0.3%	4.8%	0.7%	-0.4%	-1.7%	4.2%	0.5%	0.53%
FCF Margin	5.1%	4.6%	5.5%	4.6%	5.3%	5.3%	4.8%	3.5%	5.2%	2.4%	2.3%	4.3%	-1.3%	7.3%	0.1%	-1.4%	0.8%	-4.5%	1.0%	4.0%	4.00%
OCF Margin	6.2%	5.2%	6.0%	5.0%	5.7%	5.9%	5.4%	4.1%	5.7%	3.1%	2.9%	4.9%	-0.6%	7.9%	0.7%	-0.8%	1.3%	-4.1%	1.4%	4.5%	4.45%
ROE 3Y Avg	snapshot only																				41.09%
ROE 5Y Avg	snapshot only																				1.33%
ROA 3Y Avg	snapshot only																				2.99%
ROIC Economic	snapshot only																				-0.59%
Cash ROA	snapshot only																				13.70%
NOPAT Margin	snapshot only																				-0.03%
Pretax Margin	snapshot only																				-0.03%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				5.50%
SBC / Revenue	snapshot only																				0.81%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	30.04	30.84	25.01	23.43	22.39	21.07	20.08	22.07	17.16	22.60	23.69	18.85	25.06	31.45	48.92	49.26	102.04	-196.79	-39.57	-96.21	-124.512
P/S Ratio	0.75	0.77	0.63	0.60	0.59	0.64	0.67	0.64	0.51	0.60	0.57	0.47	0.46	0.43	0.46	0.29	0.26	0.20	0.14	0.22	0.291
P/B Ratio	36.74	-2156.84	97.24	93.69	55.83	46.50	30.77	30.93	39.27	41.25	26.32	21.44	23.97	29.51	25.90	17.59	19.94	29.95	14.76	25.23	32.320
P/FCF	14.75	16.84	11.33	12.92	11.20	11.91	13.86	18.38	9.90	24.45	24.30	10.77	-35.94	5.94	440.31	-21.19	34.01	-4.46	14.76	5.60	5.597
P/OCF	12.10	14.71	10.42	11.93	10.32	10.87	12.48	15.84	8.93	19.56	19.48	9.54	—	5.50	67.00	—	20.17	—	10.09	5.03	5.030
EV/EBITDA	17.12	17.04	13.55	13.05	12.36	11.45	11.44	12.54	9.36	12.19	12.07	9.48	12.53	11.33	18.67	15.48	16.85	17.73	15.43	25.89	25.894
EV/Revenue	0.74	0.73	0.59	0.58	0.56	0.58	0.62	0.61	0.47	0.55	0.53	0.42	0.45	0.34	0.44	0.29	0.24	0.17	0.13	0.20	0.203
EV/EBIT	20.72	20.78	16.45	15.69	14.70	13.24	13.03	14.50	10.79	14.26	14.27	11.14	15.40	14.56	25.88	23.78	30.59	57.63	78.57	139.83	139.829
EV/FCF	14.48	16.07	10.72	12.48	10.63	10.84	12.81	17.48	9.08	22.67	22.60	9.83	-35.33	4.65	421.45	-20.97	32.39	-3.73	12.90	5.08	5.085
Earnings Yield	3.3%	3.2%	4.0%	4.3%	4.5%	4.7%	5.0%	4.5%	5.8%	4.4%	4.2%	5.3%	4.0%	3.2%	2.0%	2.0%	1.0%	-0.5%	-2.5%	-1.0%	-1.04%
FCF Yield	6.8%	5.9%	8.8%	7.7%	8.9%	8.4%	7.2%	5.4%	10.1%	4.1%	4.1%	9.3%	-2.8%	16.8%	0.2%	-4.7%	2.9%	-22.4%	6.8%	17.9%	17.87%
PEG Ratio	snapshot only																				1.841
Price/Tangible Book	snapshot only																				32.069
EV/OCF	snapshot only																				4.570
EV/Gross Profit	snapshot only																				1.589
Shareholder Yield	snapshot only																				4.68%

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	1.20	1.10	1.11	1.13	1.15	1.12	1.17	1.20	1.12	1.11	1.15	1.17	1.16	1.08	1.13	1.12	1.12	1.06	1.09	1.11	1.113
Quick Ratio	1.20	1.10	1.11	1.13	1.15	1.12	1.17	1.20	1.12	1.11	1.15	1.17	1.16	1.08	1.13	1.12	1.12	1.06	1.09	1.10	1.097
Debt/Equity	4.49	-244.41	12.71	12.19	7.03	5.23	3.16	3.21	5.07	4.54	3.04	2.99	3.48	4.48	3.66	3.89	5.01	9.46	6.42	7.84	7.836
Net Debt/Equity	-0.67	—	-5.23	-3.23	-2.84	-4.19	-2.33	-1.51	-3.26	-3.00	-1.84	-1.89	-0.41	-6.39	-1.11	-0.18	-0.95	-4.89	-1.87	-2.31	-2.311
Debt/Assets	0.25	0.25	0.22	0.23	0.24	0.21	0.21	0.22	0.21	0.20	0.20	0.20	0.23	0.17	0.20	0.22	0.22	0.20	0.20	0.21	0.214
Debt/EBITDA	2.13	2.02	1.87	1.76	1.64	1.42	1.27	1.37	1.32	1.45	1.50	1.45	1.85	2.20	2.76	3.46	4.45	6.69	7.68	8.85	8.852
Net Debt/EBITDA	-0.32	-0.81	-0.77	-0.47	-0.66	-1.14	-0.94	-0.64	-0.85	-0.96	-0.91	-0.91	-0.22	-3.13	-0.84	-0.16	-0.85	-3.46	-2.23	-2.61	-2.611
Interest Coverage	23.32	23.57	24.40	23.83	20.55	18.27	15.92	11.72	10.87	9.27	8.52	8.84	6.78	5.50	4.22	3.15	2.16	0.83	0.46	0.42	0.417
Equity Multiplier	17.88	-988.21	57.13	53.88	29.44	25.09	15.29	14.29	24.02	22.55	15.19	14.75	15.46	26.77	18.01	18.02	23.13	47.89	32.78	36.62	36.623
Cash Ratio	snapshot only																				0.390
Debt Service Coverage	snapshot only																				2.250
Cash to Debt	snapshot only																				1.295
FCF to Debt	snapshot only																				0.575
Defensive Interval	snapshot only																				618.8 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	2.91	2.98	2.84	3.04	3.27	3.13	3.08	3.34	3.39	3.12	3.13	3.30	3.33	2.79	3.11	3.26	3.43	2.84	3.15	3.23	3.232
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	460.92	460.923
Receivables Turnover	8.55	582.29	8.55	8.60	10.09	485.67	9.60	9.74	10.52	433.37	9.79	9.72	9.21	526.48	8.53	8.46	8.15	908.27	7.99	7.99	7.986
Payables Turnover	763.91	658.42	645.30	914.34	987.96	696.77	585.96	816.34	842.69	581.80	705.97	789.91	831.70	526.57	803.57	879.23	830.14	739.00	851.86	749.00	749.000
DSO	43	1	43	42	36	1	38	37	35	1	37	38	40	1	43	43	45	0	46	46	45.7 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	1	0.8 days
DPO	0	1	1	0	0	1	1	0	0	1	1	0	0	1	0	0	0	0	0	0	0.5 days
Cash Conversion Cycle	42	0	42	42	36	0	37	37	34	0	37	37	39	0	42	43	44	-0	45	46	46.0 days
Fixed Asset Turnover	snapshot only																				30.273
Operating Cycle	snapshot only																				46.5 days
Cash Velocity	snapshot only																				11.102
Capital Intensity	snapshot only																				0.325

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	10.0%	16.0%	21.2%	21.5%	21.2%	19.4%	16.5%	14.0%	11.4%	9.2%	6.3%	4.0%	2.4%	1.5%	1.9%	2.4%	3.2%	3.5%	3.0%	2.6%	2.64%
Net Income	-23.1%	-10.2%	-4.4%	26.1%	27.1%	44.5%	54.8%	30.2%	26.1%	-4.3%	-23.9%	-11.7%	-37.1%	-47.0%	-59.5%	-75.2%	-85.8%	-1.1%	-1.4%	-1.4%	-1.40%
EPS	-23.4%	-10.4%	-4.0%	26.9%	28.2%	43.5%	53.6%	28.8%	27.2%	-1.9%	-21.9%	-8.1%	-36.8%	-51.2%	-59.5%	-74.0%	-85.8%	-1.1%	-1.4%	-1.4%	-1.38%
FCF	37.6%	-8.4%	26.8%	60.1%	24.8%	39.7%	1.6%	-13.8%	9.3%	-50.0%	-48.8%	28.7%	-1.3%	2.0%	-95.4%	-1.3%	1.6%	-1.6%	8.6%	4.0%	3.96%
EBITDA	-18.3%	-6.2%	2.0%	27.3%	26.9%	40.1%	43.8%	25.7%	23.2%	-1.7%	-14.3%	-4.3%	-26.5%	-32.9%	-44.4%	-57.0%	-58.3%	-67.2%	-64.6%	-57.1%	-57.14%
Op. Income	-22.5%	-11.0%	-2.8%	29.3%	28.7%	44.4%	45.2%	19.6%	15.3%	-12.8%	-24.8%	-11.7%	-37.5%	-46.4%	-62.5%	-77.9%	-86.4%	-1.1%	-1.2%	-1.1%	-1.06%
OCF Growth	snapshot only																				6.77%
Asset Growth	snapshot only																				10.70%
Equity Growth	snapshot only																				-45.54%
Debt Growth	snapshot only																				9.63%
Shares Change	snapshot only																				5.56%
Dividend Growth	snapshot only																				-28.42%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	8.7%	9.1%	9.9%	10.5%	10.9%	11.2%	11.8%	13.1%	14.1%	14.8%	14.5%	13.0%	11.4%	9.8%	8.1%	6.7%	5.6%	4.7%	3.7%	3.0%	3.03%
Revenue 5Y	10.6%	11.1%	11.7%	12.1%	12.4%	12.5%	12.3%	12.0%	11.6%	11.1%	10.4%	9.8%	9.3%	8.8%	8.6%	9.0%	9.4%	9.7%	9.5%	8.7%	8.66%
EPS 3Y	0.1%	-0.5%	-5.0%	-3.5%	0.5%	6.8%	14.4%	4.2%	7.7%	8.1%	4.8%	14.5%	1.0%	-11.8%	-21.4%	-32.5%	-51.5%	—	—	—	—
EPS 5Y	15.2%	15.2%	15.3%	15.6%	15.5%	17.6%	17.3%	12.2%	10.4%	6.8%	0.6%	1.2%	-4.0%	-10.3%	-13.9%	-23.0%	-35.4%	—	—	—	—
Net Income 3Y	-2.1%	-2.9%	-6.5%	-5.4%	-1.0%	5.9%	14.3%	4.5%	7.2%	7.5%	4.1%	13.2%	0.3%	-9.8%	-21.9%	-34.2%	-51.7%	—	—	—	—
Net Income 5Y	13.6%	13.5%	13.9%	13.9%	14.0%	16.3%	15.7%	10.8%	8.5%	4.8%	-0.8%	-0.5%	-5.1%	-9.6%	-14.4%	-24.2%	-35.7%	—	—	—	—
EBITDA 3Y	1.1%	0.7%	-0.5%	0.3%	4.0%	9.9%	13.7%	5.9%	8.5%	8.9%	7.9%	15.3%	4.8%	-2.6%	-11.8%	-19.7%	-27.7%	-40.0%	-44.7%	-43.9%	-43.92%
EBITDA 5Y	11.5%	11.5%	13.1%	13.0%	13.0%	14.7%	15.0%	11.5%	10.1%	7.1%	4.0%	3.9%	0.4%	-2.6%	-6.9%	-13.4%	-17.1%	-22.2%	-24.4%	-22.4%	-22.35%
Gross Profit 3Y	7.2%	6.3%	6.4%	7.1%	8.7%	11.3%	12.6%	9.8%	9.6%	8.7%	8.4%	10.5%	8.9%	8.7%	6.0%	3.1%	0.2%	-3.8%	-5.9%	-5.5%	-5.49%
Gross Profit 5Y	11.3%	10.8%	11.3%	11.5%	11.7%	12.0%	11.5%	10.4%	9.8%	8.7%	8.2%	8.3%	7.6%	7.5%	6.6%	4.5%	3.4%	2.2%	1.3%	1.8%	1.83%
Op. Income 3Y	-0.7%	-1.1%	-2.0%	-0.6%	3.8%	10.3%	13.5%	2.9%	4.8%	3.9%	2.0%	10.9%	-2.5%	-12.3%	-25.7%	-38.4%	-53.9%	—	—	—	—
Op. Income 5Y	10.3%	10.3%	12.0%	12.1%	12.1%	14.0%	14.1%	9.6%	7.7%	4.0%	0.5%	0.7%	-4.2%	-8.9%	-16.2%	-26.6%	-37.2%	—	—	—	—
FCF 3Y	11.1%	15.1%	6.1%	8.2%	39.4%	28.7%	87.5%	9.1%	23.4%	-13.9%	-13.0%	21.1%	—	28.5%	-71.1%	—	-44.7%	—	-39.1%	7.8%	7.78%
FCF 5Y	20.2%	18.2%	48.4%	42.8%	18.5%	13.2%	13.7%	3.8%	13.4%	1.2%	-9.1%	7.0%	—	26.5%	-31.1%	—	-21.9%	—	-21.9%	11.6%	11.57%
OCF 3Y	13.0%	12.1%	4.4%	4.8%	26.6%	19.2%	43.5%	1.0%	11.4%	-17.0%	-16.5%	10.2%	—	26.0%	-47.5%	—	-36.0%	—	-33.2%	6.3%	6.28%
OCF 5Y	18.6%	14.4%	31.3%	26.5%	14.2%	11.2%	12.3%	4.1%	12.3%	1.4%	-7.4%	5.9%	—	20.4%	-16.2%	—	-20.1%	—	-21.3%	5.1%	5.11%
Assets 3Y	15.1%	13.7%	12.8%	12.9%	11.3%	13.5%	10.2%	7.1%	9.4%	10.2%	6.3%	6.6%	3.7%	14.0%	3.4%	2.2%	4.1%	2.6%	2.5%	6.2%	6.20%
Assets 5Y	16.9%	14.1%	15.9%	16.4%	13.5%	13.9%	13.3%	12.2%	11.9%	12.2%	9.5%	9.7%	8.4%	13.2%	7.1%	5.9%	5.7%	6.8%	4.4%	5.3%	5.27%
Equity 3Y	-13.9%	—	-34.2%	-36.1%	13.9%	1.7%	—	43.0%	26.9%	28.7%	23.9%	17.6%	8.8%	—	51.9%	47.2%	12.9%	-17.3%	-20.5%	-22.4%	-22.40%
Book Value 3Y	-12.0%	—	-33.1%	-34.9%	15.6%	1.7%	—	42.6%	27.5%	29.4%	24.8%	19.0%	9.7%	—	52.8%	51.0%	13.4%	-16.6%	-19.6%	-21.5%	-21.51%
Dividend 3Y	6.3%	35.8%	35.4%	35.2%	34.0%	-18.3%	-18.3%	-18.4%	-17.8%	3.8%	3.2%	3.1%	3.0%	-0.4%	2.8%	4.1%	1.1%	1.2%	0.8%	-7.9%	-7.89%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.98	0.96	0.94	0.94	0.94	0.92	0.92	0.94	0.94	0.93	0.93	0.94	0.94	0.95	0.96	0.95	0.92	0.89	0.87	0.85	0.854
Earnings Stability	0.56	0.55	0.43	0.26	0.37	0.53	0.44	0.19	0.33	0.38	0.11	0.03	0.01	0.06	0.08	0.18	0.34	0.42	0.50	0.45	0.447
Margin Stability	0.96	0.94	0.94	0.95	0.95	0.95	0.94	0.95	0.95	0.94	0.93	0.96	0.97	0.97	0.95	0.92	0.90	0.87	0.86	0.88	0.876
Rev. Growth Consistency	1.00	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	0	1	1	0	0	0	1	0	0
Earnings Persistence	0.91	0.96	0.98	0.90	0.89	0.82	0.50	0.88	0.90	0.98	0.90	0.95	0.85	0.81	0.50	0.50	0.50	0.20	0.20	0.20	0.200
Earnings Smoothness	0.74	0.89	0.96	0.77	0.76	0.64	0.57	0.74	0.77	0.96	0.73	0.88	0.54	0.39	0.15	0.00	0.00	—	—	—	—
ROE Trend	-2.57	—	—	1.57	-0.02	—	-1.35	-1.24	0.43	—	-1.60	-1.56	-1.43	-1.08	-0.79	-0.91	-1.43	-1.53	-1.19	-1.01	-1.010
Gross Margin Trend	-0.01	-0.01	-0.02	-0.02	-0.02	-0.01	-0.00	-0.00	-0.00	-0.01	-0.01	0.00	-0.00	-0.01	-0.01	-0.02	-0.02	-0.03	-0.03	-0.03	-0.028
FCF Margin Trend	0.02	-0.00	0.02	0.01	0.01	0.00	-0.01	-0.01	-0.00	-0.03	-0.03	0.00	-0.06	0.03	-0.03	-0.05	-0.01	-0.09	-0.00	0.03	0.025
Sustainable Growth Rate	77.2%	-94.9%	-25.9%	-13.0%	0.0%	2.6%	1.5%	1.2%	1.5%	99.6%	51.4%	55.3%	30.1%	2.1%	-21.6%	-39.4%	-68.9%	—	—	—	—
Internal Growth Rate	3.4%	—	—	—	0.0%	5.7%	6.7%	5.7%	6.0%	4.4%	3.5%	4.0%	1.6%	0.1%	—	—	—	—	—	—	—

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	2.48	2.10	2.40	1.96	2.17	1.94	1.61	1.39	1.92	1.16	1.22	1.98	-0.34	5.71	0.73	-1.32	5.06	39.71	-3.92	-19.12	-19.125
FCF/OCF	0.82	0.87	0.92	0.92	0.92	0.91	0.90	0.86	0.90	0.80	0.80	0.89	2.04	0.93	0.15	1.75	0.59	1.11	0.68	0.90	0.899
FCF/Net Income	snapshot only																				-17.188
OCF/EBITDA	snapshot only																				5.667
CapEx/Revenue	1.1%	0.7%	0.5%	0.4%	0.4%	0.5%	0.5%	0.6%	0.6%	0.6%	0.6%	0.6%	0.7%	0.6%	0.6%	0.6%	0.5%	0.5%	0.5%	0.5%	0.45%
CapEx/Depreciation	snapshot only																				0.705
Accruals Ratio	-0.11	-0.08	-0.10	-0.07	-0.10	-0.09	-0.06	-0.04	-0.09	-0.01	-0.02	-0.08	0.08	-0.18	0.01	0.05	-0.03	0.11	-0.06	-0.15	-0.151
Sloan Accruals	snapshot only																				-0.011
Cash Flow Adequacy	snapshot only																				3.091

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	1.8%	3.8%	4.4%	4.5%	4.5%	2.0%	1.9%	2.0%	2.5%	2.2%	2.3%	2.8%	2.9%	3.1%	3.0%	4.6%	5.2%	6.5%	9.1%	4.4%	4.59%
Dividend/Share	$1.69	$3.76	$3.77	$3.85	$3.91	$1.99	$2.03	$2.09	$2.16	$2.24	$2.24	$2.30	$2.32	$2.18	$2.39	$2.52	$2.37	$2.39	$2.39	$1.80	$2.40
Payout Ratio	55.2%	1.2%	1.1%	1.1%	100.0%	42.7%	38.8%	44.6%	43.5%	49.1%	54.8%	53.4%	73.8%	97.8%	1.4%	2.2%	5.3%	—	—	—	—
FCF Payout Ratio	27.1%	63.4%	50.1%	58.3%	50.0%	24.1%	26.8%	37.1%	25.1%	53.1%	56.2%	30.5%	—	18.5%	13.0%	—	1.8%	—	1.3%	24.7%	24.73%
Total Payout Ratio	1.0%	1.7%	1.6%	1.7%	1.6%	83.6%	78.3%	78.2%	1.2%	1.3%	1.3%	1.3%	1.2%	1.7%	2.4%	3.4%	7.1%	—	—	—	—
Div. Increase Streak	1	1	1	1	1	0	0	0	0	0	0	0	0	1	1	1	1	1	0	0	0
Chowder Number	0.14	1.37	1.41	1.38	1.35	-0.45	-0.44	-0.43	-0.43	0.12	0.10	0.09	0.10	0.09	0.10	0.09	0.07	0.08	0.08	-0.20	-0.200
Buyback Yield	1.6%	1.8%	2.0%	2.7%	2.5%	1.9%	2.0%	1.5%	4.3%	3.4%	3.2%	4.0%	1.7%	2.2%	1.9%	2.3%	1.7%	1.4%	0.4%	0.3%	0.26%
Net Buyback Yield	1.6%	1.8%	2.0%	2.7%	2.5%	1.9%	2.0%	1.5%	4.3%	3.4%	3.2%	4.0%	1.7%	2.2%	1.9%	2.3%	1.7%	1.4%	0.4%	0.3%	0.26%
Total Shareholder Return	3.5%	5.6%	6.5%	7.2%	6.9%	4.0%	3.9%	3.5%	6.8%	5.6%	5.5%	6.9%	4.7%	5.3%	4.9%	6.9%	6.9%	7.9%	9.5%	4.7%	4.68%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.73	0.74	0.72	0.72	0.73	0.73	0.75	0.76	0.76	0.76	0.73	0.73	0.73	0.72	0.72	0.71	0.59	1.75	1.92	8.00	8.000
Interest Burden (EBT/EBIT)	0.96	0.96	0.96	0.96	0.95	0.95	0.94	0.91	0.91	0.89	0.88	0.89	0.85	0.82	0.76	0.68	0.54	-0.20	-1.18	-0.20	-0.200
EBIT Margin	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.04	0.04	0.04	0.04	0.04	0.03	0.02	0.02	0.01	0.01	0.00	0.00	0.00	0.001
Asset Turnover	2.91	2.98	2.84	3.04	3.27	3.13	3.08	3.34	3.39	3.12	3.13	3.30	3.33	2.79	3.11	3.26	3.43	2.84	3.15	3.23	3.232
Equity Multiplier	23.66	78.79	34.47	29.58	22.32	47.70	23.78	22.69	26.30	23.73	15.24	14.53	18.88	24.70	16.48	16.19	18.61	33.57	23.33	24.58	24.578

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$3.05	$3.24	$3.41	$3.64	$3.91	$4.65	$5.24	$4.69	$4.98	$4.56	$4.09	$4.31	$3.15	$2.22	$1.66	$1.12	$0.45	$-0.19	$-0.66	$-0.42	$-0.42
Book Value/Share	$2.49	$-0.05	$0.88	$0.91	$1.57	$2.11	$3.42	$3.35	$2.17	$2.50	$3.68	$3.79	$3.29	$2.37	$3.13	$3.14	$2.29	$1.22	$1.78	$1.62	$1.62
Tangible Book/Share	$2.17	$-0.38	$0.55	$0.58	$1.24	$1.78	$3.10	$3.02	$1.84	$2.15	$3.34	$3.44	$2.95	$2.05	$2.79	$2.77	$1.95	$0.88	$1.43	$1.27	$1.27
Revenue/Share	$121.86	$129.79	$136.05	$142.81	$148.92	$153.92	$157.20	$161.12	$167.35	$172.43	$171.53	$174.35	$172.32	$160.87	$174.79	$187.46	$177.82	$180.69	$181.54	$182.28	$182.28
FCF/Share	$6.21	$5.93	$7.53	$6.60	$7.82	$8.23	$7.59	$5.63	$8.63	$4.22	$3.99	$7.54	$-2.19	$11.78	$0.18	$-2.60	$1.34	$-8.20	$1.78	$7.29	$7.29
OCF/Share	$7.58	$6.79	$8.19	$7.15	$8.49	$9.01	$8.43	$6.54	$9.57	$5.27	$4.98	$8.51	$-1.07	$12.71	$1.21	$-1.48	$2.26	$-7.37	$2.60	$8.12	$8.12
Cash/Share	$12.88	$15.86	$15.75	$14.04	$15.48	$19.85	$18.77	$15.80	$18.12	$18.85	$17.97	$18.45	$12.79	$25.79	$14.95	$12.77	$13.66	$17.51	$14.72	$16.42	$16.42
EBITDA/Share	$5.26	$5.59	$5.96	$6.31	$6.73	$7.78	$8.50	$7.85	$8.36	$7.84	$7.47	$7.81	$6.19	$4.84	$4.16	$3.53	$2.58	$1.72	$1.49	$1.43	$1.43
Debt/Share	$11.20	$11.32	$11.15	$11.10	$11.03	$11.01	$10.80	$10.76	$11.03	$11.35	$11.18	$11.31	$11.45	$10.63	$11.47	$12.21	$11.47	$11.54	$11.41	$12.68	$12.68
Net Debt/Share	$-1.68	$-4.54	$-4.59	$-2.94	$-4.45	$-8.84	$-7.98	$-5.04	$-7.09	$-7.50	$-6.79	$-7.15	$-1.34	$-15.16	$-3.47	$-0.56	$-2.18	$-5.97	$-3.32	$-3.74	$-3.74

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	4.007
Altman Z-Prime	snapshot only																				2.220
Piotroski F-Score	5	5	6	7	8	8	8	7	7	6	7	6	4	4	4	3	6	2	5	3	3
Beneish M-Score	-2.71	-2.41	-2.68	-2.70	-3.00	-2.77	-2.81	-2.58	-2.67	-2.36	-2.43	-2.78	-1.95	-3.12	-2.25	-1.97	-2.36	-1.60	-2.54	-3.02	-3.018
Ohlson O-Score	snapshot only																				-3.983
ROIC (Greenblatt)	snapshot only																				2.46%
Net-Net WC	snapshot only																				$-10.77

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				BB+
Credit Score	85.33	82.92	84.54	86.20	86.87	86.72	85.23	83.64	83.07	77.24	77.00	82.41	64.11	74.01	60.11	57.54	55.89	37.70	37.96	48.96	48.963
Credit Grade	snapshot only																				11
Credit Trend	snapshot only																				-8.579
Implied Spread (bps)	snapshot only																				400.000
Industry Credit Rank	snapshot only																				23
Sector Credit Rank	snapshot only																				41

NSP NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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