$51.82

-2.12 (-3.93%)

After Hours: $51.09 (-0.73, -1.42%)

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.

Revenue Segmentation

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$6.8B +3.5% ▲

5Y CAGR: +9.7%

Gross Profit

$900M -14.4% ▼

5Y CAGR: +2.2%

Operating Income

-$10M -108.5% ▼

Net Income

-$7M -107.7% ▼

EPS (Diluted)

$-0.18 -107.5% ▼

EBITDA

$35M -82.3% ▼

5Y CAGR: -31.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$5.0B	$5.9B	$6.5B	$6.6B	$6.8B
YoY Growth	+16.0%	+19.4%	+9.2%	+1.5%	+3.5%
Cost of Revenue	$4.2B	$4.9B	$5.4B	$5.5B	$5.9B
Gross Profit	$820M	$1.0B	$1.0B	$1.1B	$900M
Gross Margin	16.5%	17.0%	16.0%	16.0%	13.2%
R&D Expenses	$0	$13M	$0	$13M	$0
SG&A Expenses	$573M	$720M	$728M	$891M	$241M
Operating Expenses	$647M	$761M	$818M	$935M	$910M
Operating Income	$173M	$250M	$219M	$117M	-$10M
Operating Margin	3.5%	4.2%	3.4%	1.8%	-0.1%
Interest Expense	$7M	$14M	$27M	$28M	$24M
Income Before Tax	$168M	$245M	$225M	$126M	-$4M
Tax Expense	$44M	$66M	$54M	$35M	$3M
Net Income	$124M	$179M	$171M	$91M	-$7M
Net Margin	2.5%	3.0%	2.6%	1.4%	-0.1%
EPS (Diluted)	$3.18	$4.64	$4.47	$2.39	$-0.18
EBITDA	$214M	$300M	$295M	$198M	$35M
Shares Outstanding	39M	39M	38M	38M	38M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$1.6B	$1.6B	$1.9B	$1.7B	$1.6B	$1.7B	$1.9B	$1.7B
Cost of Revenue	$1.3B	$1.4B	$1.6B	$1.4B	$1.4B	$1.5B	$1.6B	$1.5B
Gross Profit	$229M	$218M	$310M	$223M	$195M	$172M	$291M	$222M
Gross Margin	14.7%	13.5%	16.6%	13.4%	12.0%	10.3%	15.4%	13.2%
R&D Expenses	$0	$13M	$0	$0	$0	$0	$0	$0
SG&A Expenses	$217M	$222M	$231M	$209M	$196M	$59M	$66M	$57M
Operating Expenses	$228M	$233M	$242M	$230M	$220M	$218M	$229M	$216M
Operating Income	$1M	-$15M	$68M	-$7M	-$25M	-$46M	$62M	$6M
Operating Margin	0.1%	-0.9%	3.7%	-0.4%	-1.5%	-2.8%	3.3%	0.4%
Interest Expense	$7M	$7M	$6M	$6M	$6M	$6M	$6M	$6M
Income Before Tax	$3M	-$13M	$72M	-$6M	-$24M	-$46M	$63M	$5M
Tax Expense	$0	-$4M	$21M	-$1M	-$4M	-$13M	$30M	$1M
Net Income	$3M	-$9M	$51M	-$5M	-$20M	-$33M	$33M	$4M
Net Margin	0.2%	-0.6%	2.7%	-0.3%	-1.2%	-2.0%	1.7%	0.2%
EPS (Diluted)	$0.08	$-0.22	$1.34	$-0.14	$-0.53	$-0.88	$0.88	$0.10
EBITDA	$21M	$5M	$89M	$11M	-$7M	-$28M	$80M	$9M
Shares Outstanding	38M	41M	38M	36M	38M	38M	38M	38M

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