Insperity Inc (NSP)vsTriNet Group Inc (TNET)
NSP
Insperity Inc
$48.39
+6.33%
INDUSTRIALS · Cap: $1.68B
TNET
TriNet Group Inc
$57.56
+3.64%
INDUSTRIALS · Cap: $2.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Insperity Inc generates 40% more annual revenue ($6.84B vs $4.88B). TNET leads profitability with a 3.3% profit margin vs -0.4%. NSP appears more attractively valued with a PEG of 1.94. TNET earns a higher WallStSmart Score of 52/100 (C-).
NSP
Hold35
out of 100
Grade: F
TNET
Buy52
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.2%
Fair Value
$104.08
Current Price
$48.39
$55.69 discount
Margin of Safety
+16.0%
Fair Value
$53.86
Current Price
$57.56
$3.70 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Every $100 of equity generates 192 in profit
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
1.7% revenue growth
Smaller company, higher risk/reward
Operating margin of 3.3%
3.3% margin — thin
Expensive relative to growth rate
Trading at 32.0x book value
Revenue declined 4.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : NSP
The strongest argument for NSP centers on Altman Z-Score.
Bull Case : TNET
The strongest argument for TNET centers on Return on Equity, P/E Ratio.
Bear Case : NSP
The primary concerns for NSP are PEG Ratio, Revenue Growth, Market Cap. Debt-to-equity of 6.42 is elevated, increasing financial risk.
Bear Case : TNET
The primary concerns for TNET are Profit Margin, PEG Ratio, Price/Book. Debt-to-equity of 11.40 is elevated, increasing financial risk. Thin 3.3% 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 0.98 — expect wider price swings.
NSP is growing revenue faster at 1.7% — sustainability is the question.
TNET generates stronger free cash flow (143M), providing more financial flexibility.
Bottom Line
TNET scores higher overall (52/100 vs 35/100). NSP offers better value entry with a 71.2% 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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