NSPInsperity, Inc.

Industrials

$48.81+3.2% 1Y

$48.81

$19.5452 weeks$53.72

Is it safe?

Watch

Mixed picture: comfortable debt (AA), but quality weak and big price swings.

1 good, 2 to watch, 2 neutral, 1 without data

SurvivalGrey zone

Mixed, watch the balance sheet Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.

Honest booksGrey zone

Some accounting flags, worth a closer look Beneish M-score, a forensic model that detects earnings-manipulation patterns (receivables outrunning sales, margins slipping, accrual-heavy profit).

Quality2 / 9

Weak, deteriorating fundamentals Piotroski F-score, nine pass/fail tests of year-over-year financial health across profitability, balance sheet and efficiency. 7 to 9 is strong, 0 to 3 weak.

Credit gradeAAderived · Jun 30, 2026

Net cash and profitable. A rule of thumb on leverage, not a credit rating.

Drawdown risk59% volderived · Oct 9, 2026

Large price swings, high volatility. Worst drawdown -83% · now 9% below its 52-week high.

Unless marked, from SEC EDGAR, as of Dec 31, 2025.

Against the whole market›

Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.

Volatilitybehind 76% of the market

Max drawdownbehind 79% of the market

Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.

Can NSP take a bad year?

Insperity, Inc. holds $236M more cash than debt, so a bad year is a question about profits, not about lenders.

$236M

Net cash

Net debt / EBITDA: net cash
Net debt / EBITDA · no net borrowings to measure against earnings
Altman Z-score: 3.95
Altman Z-score · safe zone, above 3
Interest cover: none
Interest cover · no operating profit to pay the interest bill from