Insperity, Inc. — Earnings Quality Grade F
NSP · Industrials
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 0 days, change -0 days YoY
AR growth -33.3% vs revenue growth 3.5%
Revenue 3.5%, CFFO -153.5%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -18.4% vs revenue 3.5%. Normal
SG&A/Gross Profit = 91.1%, exceeds 70%
Gross margin 13.2%, change -2.8pp. Stable
Cash Flow Quality
CFFO/NI = 39.71. Profits backed by cash
FCF is negative ($-0.3B)
Accruals ratio = 12.3%. Exceeds 10%
Cash $0.7B covers debt $0.4B
Balance Sheet Health
No goodwill. Clean balance sheet
Debt/EBITDA = 6.7x (>4x). Interest coverage = -0.4x (<2x). Financial stress
Other assets grew 215.4% vs revenue 3.5%
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
M-Score = -2.05 (grey zone)
Portfolio monitoring
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Beneish M-Score
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Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25