Intrinsic value of Insperity - NSP

Previous Close

$97.75

  Intrinsic Value

$95.80

stock screener

  Rating & Target

hold

-2%

Previous close

$97.75

 
Intrinsic value

$95.80

 
Up/down potential

-2%

 
Rating

hold

We calculate the intrinsic value of NSP stock by summing up the current values of future distributable cash flows generated by the company and dividing the sum by the number of outstanding shares. As such, the intrinsic value calculation depends entirely on projections. The more accurate your projections of the company's performance are - the more reliable is the intrinsic value calculation result. Please make sure to check the stock valuation input data below and adjust it if necessary. The quality of the output (intrinsic valuation result) is only as good as the quality of the input. See also DISCLAIMERS.

STOCK VALUATION INPUT DATA

Revenue (in 2017), $M
Initial revenue growth rate, %
Terminal revenue growth rate, %
Revenue decline factor
Initial discount rate, %
Discount rate multiplier
Variable cost ratio, %
Fixed operating expenses, $M
Interest rate on debt, %
Effective corporate tax rate, %
Production assets / Revenue, %
Life of production assets, yrs
Working capital / Revenue, %
Revenue / Adjusted assets
Adjusted equity ratio
Cash flow adjustment, % of Revenue
Book value of equity, $M
Shares outstanding, mln
Market capitalization, $bln 4.1

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
   2018
   2019
   2020
   2021
   2022
   2023
   2024
   2025
   2026
   2027
   2028
   2029
   2030
   2031
   2032
   2033
   2034
   2035
   2036
   2037
   2038
   2039
   2040
   2041
   2042
   2043
   2044
   2045
   2046
   2047

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  12.20
  11.48
  10.83
  10.25
  9.72
  9.25
  8.83
  8.44
  8.10
  7.79
  7.51
  7.26
  7.03
  6.83
  6.65
  6.48
  6.33
  6.20
  6.08
  5.97
  5.88
  5.79
  5.71
  5.64
  5.57
  5.52
  5.47
  5.42
  5.38
  5.34
Revenue, $m
  3,703
  4,128
  4,575
  5,044
  5,534
  6,046
  6,580
  7,135
  7,713
  8,314
  8,938
  9,587
  10,262
  10,962
  11,691
  12,449
  13,238
  14,058
  14,913
  15,804
  16,733
  17,701
  18,712
  19,767
  20,868
  22,020
  23,223
  24,481
  25,798
  27,175
Variable operating expenses, $m
  3,458
  3,855
  4,272
  4,710
  5,168
  5,646
  6,144
  6,663
  7,202
  7,763
  8,345
  8,951
  9,580
  10,235
  10,915
  11,623
  12,359
  13,125
  13,923
  14,755
  15,622
  16,526
  17,469
  18,454
  19,483
  20,558
  21,681
  22,856
  24,085
  25,371
Fixed operating expenses, $m
  91
  93
  95
  97
  99
  101
  104
  106
  108
  111
  113
  116
  118
  121
  123
  126
  129
  132
  135
  138
  141
  144
  147
  150
  153
  157
  160
  164
  167
  171
Total operating expenses, $m
  3,549
  3,948
  4,367
  4,807
  5,267
  5,747
  6,248
  6,769
  7,310
  7,874
  8,458
  9,067
  9,698
  10,356
  11,038
  11,749
  12,488
  13,257
  14,058
  14,893
  15,763
  16,670
  17,616
  18,604
  19,636
  20,715
  21,841
  23,020
  24,252
  25,542
Operating income, $m
  154
  180
  207
  236
  267
  299
  332
  367
  403
  440
  480
  521
  563
  607
  653
  700
  750
  802
  856
  912
  970
  1,032
  1,096
  1,162
  1,232
  1,305
  1,382
  1,462
  1,546
  1,633
EBITDA, $m
  166
  194
  223
  253
  285
  319
  354
  390
  428
  467
  508
  551
  595
  641
  689
  739
  791
  845
  902
  961
  1,022
  1,086
  1,154
  1,224
  1,297
  1,374
  1,454
  1,538
  1,626
  1,718
Interest expense (income), $m
  2
  6
  10
  16
  23
  31
  38
  46
  55
  64
  73
  82
  92
  102
  112
  123
  135
  147
  159
  172
  185
  199
  214
  229
  245
  261
  279
  297
  315
  335
  356
Earnings before tax, $m
  148
  170
  191
  213
  236
  260
  285
  312
  339
  367
  398
  429
  461
  495
  529
  566
  603
  643
  684
  726
  771
  818
  867
  918
  971
  1,027
  1,085
  1,146
  1,210
  1,277
Tax expense, $m
  40
  46
  52
  58
  64
  70
  77
  84
  92
  99
  108
  116
  125
  134
  143
  153
  163
  174
  185
  196
  208
  221
  234
  248
  262
  277
  293
  309
  327
  345
Net income, $m
  108
  124
  139
  156
  172
  190
  208
  228
  247
  268
  291
  313
  337
  361
  386
  413
  440
  469
  499
  530
  563
  597
  633
  670
  709
  749
  792
  837
  884
  933

BALANCE SHEET

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash and short-term investments, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total assets, $m
  1,193
  1,330
  1,474
  1,625
  1,783
  1,948
  2,120
  2,299
  2,486
  2,679
  2,881
  3,090
  3,307
  3,533
  3,768
  4,012
  4,266
  4,531
  4,806
  5,093
  5,392
  5,704
  6,030
  6,370
  6,725
  7,096
  7,484
  7,890
  8,314
  8,758
Adjusted assets (=assets-cash), $m
  1,193
  1,330
  1,474
  1,625
  1,783
  1,948
  2,120
  2,299
  2,486
  2,679
  2,881
  3,090
  3,307
  3,533
  3,768
  4,012
  4,266
  4,531
  4,806
  5,093
  5,392
  5,704
  6,030
  6,370
  6,725
  7,096
  7,484
  7,890
  8,314
  8,758
Revenue / Adjusted assets
  3.104
  3.104
  3.104
  3.104
  3.104
  3.104
  3.104
  3.104
  3.103
  3.103
  3.102
  3.103
  3.103
  3.103
  3.103
  3.103
  3.103
  3.103
  3.103
  3.103
  3.103
  3.103
  3.103
  3.103
  3.103
  3.103
  3.103
  3.103
  3.103
  3.103
Average production assets, $m
  115
  128
  142
  156
  172
  187
  204
  221
  239
  258
  277
  297
  318
  340
  362
  386
  410
  436
  462
  490
  519
  549
  580
  613
  647
  683
  720
  759
  800
  842
Working capital, $m
  -7
  -8
  -9
  -10
  -11
  -12
  -13
  -14
  -15
  -17
  -18
  -19
  -21
  -22
  -23
  -25
  -26
  -28
  -30
  -32
  -33
  -35
  -37
  -40
  -42
  -44
  -46
  -49
  -52
  -54
Total debt, $m
  181
  304
  434
  570
  712
  860
  1,015
  1,176
  1,344
  1,518
  1,699
  1,887
  2,083
  2,286
  2,498
  2,717
  2,946
  3,184
  3,432
  3,691
  3,960
  4,241
  4,534
  4,840
  5,159
  5,493
  5,842
  6,207
  6,589
  6,989
Total liabilities, $m
  1,074
  1,197
  1,327
  1,463
  1,605
  1,754
  1,908
  2,070
  2,237
  2,411
  2,593
  2,781
  2,976
  3,180
  3,391
  3,611
  3,839
  4,078
  4,325
  4,584
  4,853
  5,134
  5,427
  5,733
  6,053
  6,387
  6,736
  7,101
  7,482
  7,882
Total equity, $m
  119
  133
  147
  163
  178
  195
  212
  230
  249
  268
  288
  309
  331
  353
  377
  401
  427
  453
  481
  509
  539
  570
  603
  637
  673
  710
  748
  789
  831
  876
Total liabilities and equity, $m
  1,193
  1,330
  1,474
  1,626
  1,783
  1,949
  2,120
  2,300
  2,486
  2,679
  2,881
  3,090
  3,307
  3,533
  3,768
  4,012
  4,266
  4,531
  4,806
  5,093
  5,392
  5,704
  6,030
  6,370
  6,726
  7,097
  7,484
  7,890
  8,313
  8,758
Debt-to-equity ratio
  1.510
  2.280
  2.940
  3.500
  3.990
  4.420
  4.790
  5.120
  5.410
  5.670
  5.900
  6.110
  6.300
  6.470
  6.630
  6.770
  6.910
  7.030
  7.140
  7.250
  7.340
  7.430
  7.520
  7.600
  7.670
  7.740
  7.810
  7.870
  7.930
  7.980
Adjusted equity ratio
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100

CASH FLOW

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income, $m
  108
  124
  139
  156
  172
  190
  208
  228
  247
  268
  291
  313
  337
  361
  386
  413
  440
  469
  499
  530
  563
  597
  633
  670
  709
  749
  792
  837
  884
  933
Depreciation, amort., depletion, $m
  13
  14
  15
  17
  18
  20
  22
  23
  25
  27
  28
  30
  32
  34
  36
  39
  41
  44
  46
  49
  52
  55
  58
  61
  65
  68
  72
  76
  80
  84
Funds from operations, $m
  121
  138
  155
  172
  191
  210
  230
  251
  273
  295
  319
  343
  369
  395
  423
  451
  481
  513
  545
  579
  615
  652
  691
  731
  773
  818
  864
  913
  964
  1,017
Change in working capital, $m
  -1
  -1
  -1
  -1
  -1
  -1
  -1
  -1
  -1
  -1
  -1
  -1
  -1
  -1
  -1
  -2
  -2
  -2
  -2
  -2
  -2
  -2
  -2
  -2
  -2
  -2
  -2
  -3
  -3
  -3
Cash from operations, $m
  122
  139
  156
  173
  192
  211
  231
  252
  274
  297
  320
  344
  370
  396
  424
  453
  483
  514
  547
  581
  617
  654
  693
  733
  776
  820
  866
  915
  966
  1,020
Maintenance CAPEX, $m
  -10
  -11
  -13
  -14
  -16
  -17
  -19
  -20
  -22
  -24
  -26
  -28
  -30
  -32
  -34
  -36
  -39
  -41
  -44
  -46
  -49
  -52
  -55
  -58
  -61
  -65
  -68
  -72
  -76
  -80
New CAPEX, $m
  -14
  -13
  -14
  -15
  -15
  -16
  -17
  -17
  -18
  -19
  -19
  -20
  -21
  -22
  -23
  -23
  -24
  -25
  -27
  -28
  -29
  -30
  -31
  -33
  -34
  -36
  -37
  -39
  -41
  -43
Cash from investing activities, $m
  -24
  -24
  -27
  -29
  -31
  -33
  -36
  -37
  -40
  -43
  -45
  -48
  -51
  -54
  -57
  -59
  -63
  -66
  -71
  -74
  -78
  -82
  -86
  -91
  -95
  -101
  -105
  -111
  -117
  -123
Free cash flow, $m
  98
  114
  129
  145
  161
  178
  196
  214
  234
  254
  275
  297
  319
  343
  368
  393
  420
  448
  477
  507
  539
  572
  606
  642
  680
  720
  761
  804
  849
  897
Issuance/(repayment) of debt, $m
  76
  123
  130
  136
  142
  148
  155
  161
  168
  174
  181
  188
  196
  203
  211
  220
  229
  238
  248
  258
  269
  281
  293
  306
  320
  334
  349
  365
  382
  399
Issuance/(repurchase) of shares, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash from financing (excl. dividends), $m  
  76
  123
  130
  136
  142
  148
  155
  161
  168
  174
  181
  188
  196
  203
  211
  220
  229
  238
  248
  258
  269
  281
  293
  306
  320
  334
  349
  365
  382
  399
Total cash flow (excl. dividends), $m
  174
  238
  259
  281
  303
  327
  351
  376
  401
  428
  456
  485
  515
  546
  579
  613
  649
  686
  725
  766
  808
  853
  899
  948
  1,000
  1,054
  1,110
  1,169
  1,231
  1,296
Retained Cash Flow (-), $m
  -53
  -14
  -14
  -15
  -16
  -16
  -17
  -18
  -19
  -19
  -20
  -21
  -22
  -23
  -23
  -24
  -25
  -26
  -28
  -29
  -30
  -31
  -33
  -34
  -36
  -37
  -39
  -41
  -42
  -44
Prev. year cash balance distribution, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash flow adjustment, $m
  23
  26
  29
  32
  35
  39
  42
  46
  50
  54
  58
  63
  67
  72
  77
  82
  87
  93
  98
  104
  111
  117
  124
  131
  138
  146
  154
  163
  171
  181
Cash available for distribution, $m
  120
  224
  244
  266
  287
  310
  333
  358
  383
  409
  436
  464
  493
  524
  555
  589
  623
  659
  697
  737
  778
  822
  867
  914
  964
  1,016
  1,071
  1,129
  1,189
  1,252
Discount rate, %
  4.30
  4.52
  4.74
  4.98
  5.23
  5.49
  5.76
  6.05
  6.35
  6.67
  7.00
  7.35
  7.72
  8.11
  8.51
  8.94
  9.39
  9.86
  10.35
  10.87
  11.41
  11.98
  12.58
  13.21
  13.87
  14.56
  15.29
  16.05
  16.86
  17.70
PV of cash for distribution, $m
  116
  205
  213
  219
  223
  225
  225
  224
  220
  214
  207
  198
  187
  176
  163
  150
  136
  121
  107
  94
  80
  68
  57
  47
  38
  30
  23
  17
  13
  9
Current shareholders' claim on cash, %
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0

Insperity, Inc. provides a range of human resources (HR) and business solutions. The Company's HR services offerings are provided through its Workforce Optimization and Workforce Synchronization solutions (together, its professional employer organization (PEO) HR Outsourcing solutions), which encompass a range of human resources functions, including payroll and employment administration, employee benefits, workers' compensation, performance management and training and development services, along with its cloud-based human capital management platform, the Employee Service Center (ESC). In addition to its PEO HR Outsourcing solutions, it offers various other business performance solutions, including Human Capital Management, Time and Attendance, Performance Management, Organizational Planning, Recruiting Services, Employment Screening, Retirement Services and Insurance Services, which are offered through desktop applications and cloud-based delivery models.

FINANCIAL RATIOS  of  Insperity (NSP)

Valuation Ratios
P/E Ratio 62.3
Price to Sales 1.4
Price to Book 67.4
Price to Tangible Book
Price to Cash Flow 30.9
Price to Free Cash Flow 41.5
Growth Rates
Sales Growth Rate 12.9%
Sales - 3 Yr. Growth Rate %
EPS Growth Rate %
EPS - 3 Yr. Growth Rate %
Capital Spending Gr. Rate 88.9%
Cap. Spend. - 3 Yr. Gr. Rate 23.2%
Financial Strength
Quick Ratio NaN
Current Ratio 0.1
LT Debt to Equity 170.5%
Total Debt to Equity 170.5%
Interest Coverage 54
Management Effectiveness
Return On Assets 8%
Ret/ On Assets - 3 Yr. Avg. 5.5%
Return On Total Capital 39.2%
Ret/ On T. Cap. - 3 Yr. Avg. 24.1%
Return On Equity 56.7%
Return On Equity - 3 Yr. Avg. 29.9%
Asset Turnover 3.5
Profitability Ratios
Gross Margin 16.7%
Gross Margin - 3 Yr. Avg. 16.9%
EBITDA Margin 4.2%
EBITDA Margin - 3 Yr. Avg. 3.5%
Operating Margin 3.6%
Oper. Margin - 3 Yr. Avg. 2.7%
Pre-Tax Margin 3.6%
Pre-Tax Margin - 3 Yr. Avg. 2.7%
Net Profit Margin 2.2%
Net Profit Margin - 3 Yr. Avg. 1.6%
Effective Tax Rate 37.1%
Eff/ Tax Rate - 3 Yr. Avg. 39.9%
Payout Ratio 31.8%

NSP stock valuation input parameters

Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the NSP stock intrinsic value calculation we used $3300 million for the last fiscal year's total revenue generated by Insperity. The default revenue input number comes from 2017 income statement of Insperity. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.

Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
    We use three input parameters to forecast the revenue growth rate in our NSP stock valuation model: a) initial revenue growth rate of 12.2% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
    At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.

Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
    The initial discount rate of 4.3%, whose default value for NSP is calculated based on our internal credit rating of Insperity, is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of Insperity.
    By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.

Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of NSP stock the variable cost ratio is equal to 93.4%.

Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $89 million in the base year in the intrinsic value calculation for NSP stock. These expenses increase with the level of inflation in subsequent years.

Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 5.4% for Insperity.

Corporate tax rate of 27% is the nominal tax rate for Insperity. In reality, companies find ways to pay much less taxes than that or not to pay them at all.

Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the NSP stock is equal to 0.7%.

Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for NSP are equal to 3.1%.

Life of production assets of 10 years is the average useful life of capital assets used in Insperity operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.

Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for NSP is equal to -0.2%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.

Book value of equity - $66 million for Insperity - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.

Shares outstanding of 42 million for Insperity is needed to calculate the intrinsic value of one share.

Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of Insperity at the current share price and the inputted number of shares is $4.1 billion.

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COMPANY NEWS

▶ Kingwood-based Insperity opens Pittsburgh branch   [Jul-09-18 05:47PM  American City Business Journals]
▶ 5 Top Stocks to Buy for the Second Half of 2018   [Jul-02-18 09:11AM  Zacks]
▶ Have Investors Priced In Insperity Incs (NYSE:NSP) Growth?   [Jun-04-18 09:06AM  Simply Wall St.]
▶ Insperity Declares Quarterly Dividend of $0.20   [May-25-18 09:00AM  Business Wire]
▶ A Look At The Fair Value Of Insperity Inc (NYSE:NSP)   [May-21-18 02:03PM  Simply Wall St.]
▶ Insperity stock climbs on positive quarterly earnings report   [Apr-30-18 03:45PM  American City Business Journals]
▶ Insperity, Inc. to Host Earnings Call   [07:30AM  ACCESSWIRE]
▶ Best Growth Stock Picks   [Mar-05-18 11:02AM  Simply Wall St.]
▶ Insperity Raises Quarterly Dividend 33%   [Feb-22-18 09:00AM  Business Wire]
▶ Insperity, Inc. to Host Earnings Call   [Feb-12-18 08:00AM  ACCESSWIRE]
▶ How Financially Strong Is Insperity Inc (NYSE:NSP)?   [Feb-02-18 06:09PM  Simply Wall St.]
▶ Insperity Enters Milwaukee Market   [Jan-18-18 09:00AM  Business Wire]
▶ Insperity president announces retirement   [Jan-08-18 04:30PM  American City Business Journals]
▶ Insperity Sees Composite Rating Move Up To 96   [Jan-02-18 03:00AM  Investor's Business Daily]
▶ ETFs with exposure to Insperity, Inc. : December 28, 2017   [Dec-28-17 12:31PM  Capital Cube]
▶ Calculating The Fair Value Of Insperity Inc (NYSE:NSP)   [Dec-20-17 05:05PM  Simply Wall St.]
▶ Only 1 energy company makes Glassdoors 2018 Best Places to Work list   [Dec-07-17 04:15PM  American City Business Journals]
▶ Insperity Enters Fort Lauderdale   [Dec-04-17 09:00AM  Business Wire]
▶ Is It Time To Sell Insperity Inc (NSP) Based Off Its PE Ratio?   [Nov-24-17 06:25PM  Simply Wall St.]
▶ Insperity Sees Composite Rating Move Up To 97   [03:00AM  Investor's Business Daily]
▶ Insperity tops Street 3Q forecasts   [Nov-01-17 08:09AM  Associated Press]
▶ Insperity, Inc. to Host Earnings Call   [07:30AM  ACCESSWIRE]
▶ Insperity Wins 2 Stevie Awards for Great Employers   [Sep-26-17 09:00AM  Business Wire]
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