WallStSmart

Insperity Inc (NSP)vsTriNet Group Inc (TNET)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Insperity Inc generates 38% more annual revenue ($6.81B vs $4.94B). TNET leads profitability with a 3.1% profit margin vs -10.0%. NSP appears more attractively valued with a PEG of 1.42. TNET earns a higher WallStSmart Score of 41/100 (D).

NSP

Hold

36

out of 100

Grade: F

Growth: 3.3Profit: 2.0Value: 6.7Quality: 5.0

TNET

Hold

41

out of 100

Grade: D

Growth: 4.7Profit: 4.5Value: 4.7Quality: 6.0
Piotroski: 5/9Altman Z: 1.25
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for NSP.

TNETSignificantly Overvalued (-108.0%)

Margin of Safety

-108.0%

Fair Value

$21.76

Current Price

$36.99

$15.23 premium

UndervaluedFair: $21.76Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NSP0 strengths · Avg: 0/10

No standout strengths identified

TNET1 strengths · Avg: 10.0/10
P/E RatioValuation
11.9x10/10

Attractively priced relative to earnings

Areas to Watch

NSP4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
3.4%4/10

3.4% revenue growth

Market CapQuality
$983.20M3/10

Smaller company, higher risk/reward

Price/BookValuation
21.4x2/10

Trading at 21.4x book value

Return on EquityProfitability
-9.8%2/10

ROE of -9.8% — below average capital efficiency

TNET4 concerns · Avg: 3.0/10
Market CapQuality
$1.82B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
2.5%3/10

ROE of 2.5% — below average capital efficiency

Profit MarginProfitability
3.1%3/10

3.1% margin — thin

Operating MarginProfitability
0.6%3/10

Operating margin of 0.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : NSP

PEG of 1.42 suggests the stock is reasonably priced for its growth.

Bull Case : TNET

The strongest argument for TNET centers on P/E Ratio.

Bear Case : NSP

The primary concerns for NSP are Revenue Growth, Market Cap, Price/Book.

Bear Case : TNET

The primary concerns for TNET are Market Cap, Return on Equity, Profit Margin. Thin 3.1% 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 0.88 — expect wider price swings.

NSP is growing revenue faster at 3.4% — sustainability is the question.

NSP generates stronger free cash flow (246M), providing more financial flexibility.

Bottom Line

TNET scores higher overall (41/100 vs 36/100). Both earn "Hold" 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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