Insperity Inc (NSP)vsTriNet Group Inc (TNET)
NSP
Insperity Inc
$51.81
-0.19%
INDUSTRIALS · Cap: $1.99B
TNET
TriNet Group Inc
$69.53
-1.24%
INDUSTRIALS · Cap: $3.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Insperity Inc generates 42% more annual revenue ($6.87B vs $4.83B). TNET leads profitability with a 3.6% profit margin vs -0.2%. NSP appears more attractively valued with a PEG of 1.42. TNET earns a higher WallStSmart Score of 54/100 (C-).
NSP
Hold37
out of 100
Grade: F
TNET
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+70.9%
Fair Value
$103.22
Current Price
$51.81
$51.41 discount
Margin of Safety
+29.8%
Fair Value
$64.47
Current Price
$69.53
$5.06 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Every $100 of equity generates 192 in profit
Earnings expanding 49.4% YoY
Areas to Watch
1.7% revenue growth
Smaller company, higher risk/reward
Operating margin of 0.4%
Trading at 32.4x book value
3.6% margin — thin
Expensive relative to growth rate
Trading at 38.6x book value
Revenue declined 4.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : NSP
The strongest argument for NSP centers on Altman Z-Score. PEG of 1.42 suggests the stock is reasonably priced for its growth.
Bull Case : TNET
The strongest argument for TNET centers on Return on Equity, EPS Growth.
Bear Case : NSP
The primary concerns for NSP are Revenue Growth, Market Cap, Operating Margin. Debt-to-equity of 7.84 is elevated, increasing financial risk.
Bear Case : TNET
The primary concerns for TNET are Profit Margin, PEG Ratio, Price/Book. Debt-to-equity of 7.60 is elevated, increasing financial risk. Thin 3.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
NSP profiles as a turnaround stock while TNET is a value play — different risk/reward profiles.
TNET carries more volatility with a beta of 0.93 — expect wider price swings.
NSP is growing revenue faster at 1.7% — sustainability is the question.
NSP generates stronger free cash flow (122M), providing more financial flexibility.
Bottom Line
TNET scores higher overall (54/100 vs 37/100). NSP offers better value entry with a 70.9% margin of safety. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Insperity Inc
INDUSTRIALS · STAFFING & EMPLOYMENT SERVICES · USA
Insperity, Inc. provides human resources (HR) and business solutions to improve business performance for small and medium-sized businesses. The company is headquartered in Kingwood, Texas.
TriNet Group Inc
INDUSTRIALS · STAFFING & EMPLOYMENT SERVICES · USA
TriNet Group, Inc. provides Human Resources (HR) solutions for small and medium-sized businesses in the United States. The company is headquartered in Dublin, California.
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