Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.08, read 2026-11-05
Ethical passes the values gate
Price49.82 USD
Fair value53.65
Ethical score70.0/100
Value readFairas of 6 Nov 2026
Our investment reviews on this name
2026-10-23Read Markup53.48-6.8% to today Distribution gives way to Markup after a 5% rise in 1 days
2026-10-22Read Distribution50.80-1.9% to today ✓Markup gives way to Distribution after a 9% rise in 11 days
2026-10-11Read Markup46.42+7.3% to today ✓Markdown gives way to Markup after an 8% slide in 9 days
2026-10-02Read Markdown50.26-0.9% to today ✓Accumulation gives way to Markdown
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Insperity, Inc. holds its Markup at $49.82. The statistical read favours the buyers, held for 1 days.
As held on the ledger · 2026-11-06
Phase
Markup
Quantitative state
The statistical read favours the buyers, held for 1 days
Price at the screen
$49.82
Valuation
726.00 trailing · 18.89 forward price to earnings
Values screen
PASS· score 70.0
Beta
0.49
The Workings
Five Screens, Shown in Full
Full pass across all five screens. This security clears the Titan Ethical Standard: its business and its balance sheet both stay inside the lines.
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
19.75%
Below 33%
Interest-bearing debt is just 19.7% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
0.82%
Below 33%
Cash held in interest-bearing accounts and securities is 0.8% of assets, under the one-third limit.
Pass
Receivables
29.41%
Below 49%
Money owed to the company is 29.4% of assets, under the 49% limit.
Pass
Revenue purity
0.44%
Below 5%
Only 0.4% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Clears, in Plain English
Insperity, clears all five screens. Its business is in a permissible area, its interest-bearing debt is about 20%, inside the ~33% line, and almost none of its income is interest, so it passes.
Read as at 2026-11-05. It updates when the underlying figures move, and past reads are kept below.
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Today NSP passes the screen. If new figures move it to a fail, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads Fair vs our fair value, as of 6 Nov 2026: it trades at roughly a 5% discount to our $53.65 fair value, 1.70% revenue growth.
Fair value range in USD, drawn from the 2026-11-06 screen. The gold marker is the market price at the same screen. A 7.1% discount to the base estimate.
Where our models see it going: fair-value estimate $53.65, with a range of $40.35 to $67.24, dated to the 2026-11-06 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Small Firm HR Helper Priced Far Past Reality
Picture a local cafe owner passing payroll and hiring headaches to a specialist, only to watch that specialist post flat sales and negative returns on equity. Insperity sits in that exact spot, with revenue growth stuck at 2 percent, a profit margin at zero and return on equity at minus 27 percent, all while the shares trade at 49.55 against our fair value of 30.60.
We pass because the price leaves no margin of safety and the forward multiple of 17.7 times offers no cushion for the thin growth on show. Four analysts see a median target of 36, still well below the current level, and the unknown moat adds no extra comfort when earnings are already under pressure.
The ethical screen clears, yet the numbers still flag an expensive business in a cyclical staffing space where small customers can cut spending fast. Analysis, not advice.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market; it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
NSP trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-11-05Markup$51.69+0.1%Entry 17
The analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 0.1% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 39% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 36%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (4 analysts) rates it hold, with a mean price target of $40.
2026-10-29Markup$51.65-3.4%Entry 16
The analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 3.4% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 39% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 36%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (4 analysts) rates it hold, with a mean price target of $40. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-28Markup$53.48+0.0%Entry 15
The analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 39% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 36%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (4 analysts) rates it hold, with a mean price target of $40. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-27Markup$53.48+0.0%Entry 14
The analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 39% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 36%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (4 analysts) rates it hold, with a mean price target of $40. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-26Markup$53.48+0.0%Entry 13
The analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 39% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 36%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (4 analysts) rates it hold, with a mean price target of $40. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-25Markup$53.48+0.0%Entry 12
The analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 32% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 36%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (4 analysts) rates it hold, with a mean price target of $40. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-24Markup$53.48+0.0%Entry 11
The analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 32% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 36%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (4 analysts) rates it hold, with a mean price target of $40. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-23Markup · changed$53.48+5.3%Entry 10
The framework has shifted from distribution to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 5.3% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 32% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 36%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (4 analysts) rates it hold, with a mean price target of $40. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from markup to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 32% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 36%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (4 analysts) rates it hold, with a mean price target of $40. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-18Markup$50.80+9.4%Entry 8
The analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 9.4% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 36%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (4 analysts) rates it hold, with a mean price target of $40.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
