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Insperity (NSP) investor relations material
Insperity Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary3 Nov, 2025
Executive summary
Q3 2025 revenues increased 4% year-over-year to $1.62 billion, with average paid worksite employees up 1% to 312,842, but net income dropped to $(20) million and adjusted EBITDA fell 74% to $10 million due to higher benefits and healthcare costs.
Adjusted EPS for Q3 2025 was $(0.20), and YTD adjusted EPS was $1.63, both below forecast.
The HRScale solution, a joint offering with Workday, was officially rolled out, targeting mid-market clients and expected to drive future growth.
A new multi-year contract with UnitedHealthcare was signed, expected to reduce claim costs and support margin recovery in 2026 and beyond.
Actions underway to drive profitability recovery in 2026 include renegotiating healthcare contracts, pricing strategies, and cost management.
Financial highlights
Q3 2025 gross profit decreased 15% year-over-year to $195 million, mainly due to $20 million in higher benefits costs.
Q3 operating expenses decreased 4% year-over-year to $220 million, with notable reductions in salaries and G&A.
$87 million returned to shareholders YTD through $68 million in dividends and $19 million in share repurchases.
Ended Q3 with $120 million in adjusted cash and $370 million outstanding borrowings on a $650 million credit facility.
YTD revenues rose 4% to $5.14 billion, with gross profit down 13% to $728 million.
Outlook and guidance
Q4 2025 average paid worksite employees expected at 313,000–315,000, up 1.3%–1.9% year-over-year.
Full-year 2025 adjusted EPS guidance: $(0.79) to $1.47; adjusted EBITDA: $119–$153 million, both down sharply year-over-year.
Q4 adjusted EBITDA expected between -$25 million and $9 million; adjusted EPS between -$0.79 and -$0.16.
Full-year operating expenses expected to be 3% below 2024 levels, including $48 million investment in the Workday partnership.
2026 expected to see a majority of 2025's earnings shortfall recovered, driven by cost management, pricing, and new product rollout.
How will UHC contract and pooling level impact 2026 costs?
How will HRScale impact 2026 operating expenses?
How will AI tools drive operating leverage?
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Frequently asked questions
Insperity, Inc. offers human resources and business performance solutions for small and medium-sized businesses. Services include payroll processing, employee benefits, HR administration, risk management, and talent management solutions. Insperity, Inc. is headquartered in Kingwood, Texas, and its shares are listed on the NYSE.
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