Stock Ratings / Consumer Discretionary / NSP / forecast

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Insperity Inc. (NSP) 12-Month Stock Forecast & Price Target Cone

$46.29 -10.38% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $45.34

Insperity Inc. (NSP) carries a Roarable Rating of E (Strong Sell) with 20/100 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.

📊 Historical Track Record Warning: Scores below 50 (20/100 · E) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE E • RED ALERT Cap $1.77B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $45.34 (-2.06%)🧬 Dilution Drag (+2.48% YoY Shares)⚙️ Cash Engine: 4/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (20/100 · E) historically underperformed SPY in 71% of rolling 90-day windows (-11.8% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • E

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

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

5-PILLAR SNOWFLAKE RADARRw E · Rk E

Each axis scored 0–20

12M PRICE TARGET CONE-17.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NSP)Realized 20D OHLCV Swing Band: ±11.1%

Deterministic 5-Pillar Attribution (20/100 Composite)

🔍 WHY NSP SCORES 20/100 (E) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+6/20 pts (30% of score)

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

▲ #2 Bullish Driver: Cash Engine Quality+4/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 0% FCF Margin ($0 FCF) & 13.2% Gross Margin

▼ #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

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$48.73+5.4% Next Q

Q2 (-2Q)

Grade E$51.38+6% Next Q

Q3 (-1Q)

Grade E$54.44-15% Next Q

Current

Grade E$46.29-11.8% Hist 90D α

Trajectory: E (28) → E (20)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a NSP Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While NSP currently carries a cautious 20/100 (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.

🚀 Contrarian Squeeze Trigger #1

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

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($50.15) and Max Pain ($48.60) forces dealer call-delta covering toward $58.70.

🚀 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 $NSP• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NSP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 20%NO 80%Trade / Inspect Odds →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your NSP Position Size: $10,000

Shares at $46.29: 216.0 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $29.93

$6,466

$-3,534 (-35.3%)

12M Consensus BaseTarget $38.37

$8,289

$-1,711 (-17.1%)

12M Bull Case BreakoutTarget $58.70

$12,681

+$2,681 (+26.8%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (35 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 9

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$40	74%	A
Goldman SachsSector Coverage Lead	UNDERPERFORM	$55	69%	B
JP MorganUS Large-Cap Research	SELL	$34	58%	C

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

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

✓Walkthrough of NSP's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

NSP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +30.14%▼ SUPPORT BREAKDOWN

2026-10-30O $47.03H $49.94L $46.25C $46.29VOL 1.09M

RES: $55.14SUP: $48.93SMA50: $50.15SMA200: $39.51

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

🦋 NSP Butterfly Map → + Track NSP →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

No active Ellis Vennor swing setup published on NSP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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 →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NSP)

Consumer Discretionary Rank #1006 of 1011 ⚔️ ASTH vs NSP Full Matrix →

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

Industry: Professional Services (48 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Insperity Inc. (NSP) ranks #1006 by composite RQD confidence (20/100, grade E) and #432 by equity capitalization ($1.77B). Within this direct 5-issuer industry benchmark cohort, EFOR leads on earnings valuation at 13.4x 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 71/100 (B-) compared with NSP at 20/100 (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	20/100	—	13.2%	-8.9%	-10.38%	$1.77B	Benchmark Subject
ASTH Astrana Health Inc.	D+	58/100	75.7x	—	4.6%	-0.14%	$1.82B	/asth-vs-nsp →
AMN AMN Healthcare Services Inc	D+	53/100	—	28.3%	-7.2%	+0.47%	$1.82B	/amn-vs-nsp →
ICFI ICF International Inc.	B-	71/100	18.7x	37.2%	8.1%	+1.25%	$1.72B	/icfi-vs-nsp →
EFOR Everforth Inc.	C+	68/100	13.4x	28.9%	6.5%	-4.47%	$1.52B	/efor-vs-nsp →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001000753

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	—	—

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-01, Insperity Inc. (NYSE: NSP) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 20/100 at a spot price of $46.29 (-10.38% 1D, market cap $1.77B). Pillar breakdown: Fundamental Cash Engine 4/20, Institutional 13F & Options Flow 4/20, Executive Insider Alignment 6/20, FRED Macro Regime Fit 3/20, and SEC Balance-Sheet Forensics 3/20. Across 1011 tracked Consumer Discretionary issuers, NSP ranks #1006 in composite RQD confidence.

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

Within the Consumer Discretionary sector (Professional Services), NSP carries a Roarable E (20/100 RQD), trailing P/E of N/A, gross margin of 13.2%, and ROIC of -8.9%. By comparison, ASTH (Astrana Health Inc.) holds a D+ grade (58/100 RQD, P/E 75.7x, ROIC 4.6%, cap $1.82B) and AMN (AMN Healthcare Services Inc) posts a D+ grade (53/100 RQD, P/E N/A, ROIC -7.2%, cap $1.82B). Among the 5-stock peer group, EFOR leads on earnings multiple (13.4x) 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 $46.29 (-10.38% on volume of 704,644 shares), positioning the stock -7.70% below its 50-day simple moving average ($50.15) and +17.16% above its 200-day simple moving average ($39.51). Across its 52-week range of $18.57 to $55.90, NSP sits at the 74.3% percentile with a 14-day RSI of 46.3 (NEUTRAL RANGE) and an implied next-earnings move of ±11.1% ($41.15 to $51.43).

NSP Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is NSP's 12-month stock price target?

Insperity Inc. (NSP) carries a 12-month consensus base price target of $38.37 (-17.1% from $46.29), with a bull-case target of $58.7 and a bear-case floor of $29.93.

Is NSP stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates NSP E (Strong Sell — SELL) with an RQD Confidence score of 20/100.

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