NSP vs. PAYX: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at NSP and PAYX, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | NSP | PAYX |
|---|---|---|
| Company Name | Insperity, Inc. | Paychex, Inc. |
| Country | United States | United States |
| GICS Sector | Industrials | Industrials |
| GICS Industry | Professional Services | Professional Services |
| Market Capitalization | 2.09 billion USD | 49.89 billion USD |
| Exchange | NYSE | NasdaqGS |
| Listing Date | January 29, 1997 | August 26, 1983 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of NSP and PAYX by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | NSP | PAYX |
|---|---|---|
| 5-Day Price Return | 0.73% | -0.37% |
| 13-Week Price Return | -16.96% | -11.32% |
| 26-Week Price Return | -36.16% | -7.69% |
| 52-Week Price Return | -40.17% | 8.30% |
| Month-to-Date Return | -6.92% | -4.04% |
| Year-to-Date Return | -28.45% | -1.23% |
| 10-Day Avg. Volume | 0.62M | 2.15M |
| 3-Month Avg. Volume | 0.58M | 2.13M |
| 3-Month Volatility | 59.51% | 26.36% |
| Beta | 0.50 | 0.95 |
Profitability
Return on Equity (TTM)
NSP
35.32%
Professional Services Industry
- Max
- 52.17%
- Q3
- 30.06%
- Median
- 22.21%
- Q1
- 11.67%
- Min
- -13.44%
In the upper quartile for the Professional Services industry, NSP’s Return on Equity of 35.32% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
PAYX
41.38%
Professional Services Industry
- Max
- 52.17%
- Q3
- 30.06%
- Median
- 22.21%
- Q1
- 11.67%
- Min
- -13.44%
In the upper quartile for the Professional Services industry, PAYX’s Return on Equity of 41.38% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Net Profit Margin (TTM)
NSP
0.60%
Professional Services Industry
- Max
- 26.06%
- Q3
- 13.34%
- Median
- 7.88%
- Q1
- 3.50%
- Min
- -2.93%
Falling into the lower quartile for the Professional Services industry, NSP’s Net Profit Margin of 0.60% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
PAYX
29.74%
Professional Services Industry
- Max
- 26.06%
- Q3
- 13.34%
- Median
- 7.88%
- Q1
- 3.50%
- Min
- -2.93%
PAYX’s Net Profit Margin of 29.74% is exceptionally high, placing it well beyond the typical range for the Professional Services industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.
Operating Profit Margin (TTM)
NSP
0.70%
Professional Services Industry
- Max
- 35.84%
- Q3
- 19.38%
- Median
- 12.54%
- Q1
- 7.36%
- Min
- -5.21%
NSP’s Operating Profit Margin of 0.70% is in the lower quartile for the Professional Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
PAYX
39.01%
Professional Services Industry
- Max
- 35.84%
- Q3
- 19.38%
- Median
- 12.54%
- Q1
- 7.36%
- Min
- -5.21%
PAYX’s Operating Profit Margin of 39.01% is exceptionally high, placing it well above the typical range for the Professional Services industry. This demonstrates outstanding efficiency in managing its core operations, which can be a result of strong pricing power or superior cost control.
Profitability at a Glance
| Symbol | NSP | PAYX |
|---|---|---|
| Return on Equity (TTM) | 35.32% | 41.38% |
| Return on Assets (TTM) | 1.84% | 13.58% |
| Net Profit Margin (TTM) | 0.60% | 29.74% |
| Operating Profit Margin (TTM) | 0.70% | 39.01% |
| Gross Profit Margin (TTM) | 14.64% | 90.67% |
Financial Strength
Current Ratio (MRQ)
NSP
1.12
Professional Services Industry
- Max
- 2.45
- Q3
- 1.65
- Median
- 1.26
- Q1
- 1.10
- Min
- 0.47
NSP’s Current Ratio of 1.12 aligns with the median group of the Professional Services industry, indicating that its short-term liquidity is in line with its sector peers.
PAYX
1.28
Professional Services Industry
- Max
- 2.45
- Q3
- 1.65
- Median
- 1.26
- Q1
- 1.10
- Min
- 0.47
PAYX’s Current Ratio of 1.28 aligns with the median group of the Professional Services industry, indicating that its short-term liquidity is in line with its sector peers.
Debt-to-Equity Ratio (MRQ)
NSP
3.29
Professional Services Industry
- Max
- 2.63
- Q3
- 1.44
- Median
- 0.91
- Q1
- 0.49
- Min
- 0.00
With a Debt-to-Equity Ratio of 3.29, NSP operates with exceptionally high leverage compared to the Professional Services industry norm. This suggests an aggressive reliance on debt financing, which can magnify returns but also significantly elevates financial risk.
PAYX
1.20
Professional Services Industry
- Max
- 2.63
- Q3
- 1.44
- Median
- 0.91
- Q1
- 0.49
- Min
- 0.00
PAYX’s Debt-to-Equity Ratio of 1.20 is typical for the Professional Services industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
Interest Coverage Ratio (TTM)
NSP
52.13
Professional Services Industry
- Max
- 39.67
- Q3
- 20.05
- Median
- 11.07
- Q1
- 5.36
- Min
- -2.22
With an Interest Coverage Ratio of 52.13, NSP demonstrates a superior capacity to service its debt, placing it well above the typical range for the Professional Services industry. This stems from either robust earnings or a conservative debt load.
PAYX
55.47
Professional Services Industry
- Max
- 39.67
- Q3
- 20.05
- Median
- 11.07
- Q1
- 5.36
- Min
- -2.22
With an Interest Coverage Ratio of 55.47, PAYX demonstrates a superior capacity to service its debt, placing it well above the typical range for the Professional Services industry. This stems from either robust earnings or a conservative debt load.
Financial Strength at a Glance
| Symbol | NSP | PAYX |
|---|---|---|
| Current Ratio (MRQ) | 1.12 | 1.28 |
| Quick Ratio (MRQ) | 1.09 | 1.22 |
| Debt-to-Equity Ratio (MRQ) | 3.29 | 1.20 |
| Interest Coverage Ratio (TTM) | 52.13 | 55.47 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
NSP
4.37%
Professional Services Industry
- Max
- 5.28%
- Q3
- 2.51%
- Median
- 1.63%
- Q1
- 0.62%
- Min
- 0.00%
With a Dividend Yield of 4.37%, NSP offers a more attractive income stream than most of its peers in the Professional Services industry, signaling a strong commitment to shareholder returns.
PAYX
2.88%
Professional Services Industry
- Max
- 5.28%
- Q3
- 2.51%
- Median
- 1.63%
- Q1
- 0.62%
- Min
- 0.00%
With a Dividend Yield of 2.88%, PAYX offers a more attractive income stream than most of its peers in the Professional Services industry, signaling a strong commitment to shareholder returns.
Dividend Payout Ratio (TTM)
NSP
95.83%
Professional Services Industry
- Max
- 109.23%
- Q3
- 64.39%
- Median
- 47.00%
- Q1
- 20.35%
- Min
- 0.00%
NSP’s Dividend Payout Ratio of 95.83% is in the upper quartile for the Professional Services industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
PAYX
87.40%
Professional Services Industry
- Max
- 109.23%
- Q3
- 64.39%
- Median
- 47.00%
- Q1
- 20.35%
- Min
- 0.00%
PAYX’s Dividend Payout Ratio of 87.40% is in the upper quartile for the Professional Services industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
Dividend at a Glance
| Symbol | NSP | PAYX |
|---|---|---|
| Dividend Yield (TTM) | 4.37% | 2.88% |
| Dividend Payout Ratio (TTM) | 95.83% | 87.40% |
Valuation
Price-to-Earnings Ratio (TTM)
NSP
51.46
Professional Services Industry
- Max
- 49.59
- Q3
- 36.59
- Median
- 28.13
- Q1
- 18.55
- Min
- 10.07
At 51.46, NSP’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Professional Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
PAYX
30.36
Professional Services Industry
- Max
- 49.59
- Q3
- 36.59
- Median
- 28.13
- Q1
- 18.55
- Min
- 10.07
PAYX’s P/E Ratio of 30.36 is within the middle range for the Professional Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Price-to-Sales Ratio (TTM)
NSP
0.31
Professional Services Industry
- Max
- 9.54
- Q3
- 5.11
- Median
- 2.10
- Q1
- 0.75
- Min
- 0.11
In the lower quartile for the Professional Services industry, NSP’s P/S Ratio of 0.31 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
PAYX
9.03
Professional Services Industry
- Max
- 9.54
- Q3
- 5.11
- Median
- 2.10
- Q1
- 0.75
- Min
- 0.11
PAYX’s P/S Ratio of 9.03 is in the upper echelon for the Professional Services industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.
Price-to-Book Ratio (MRQ)
NSP
20.20
Professional Services Industry
- Max
- 13.75
- Q3
- 8.87
- Median
- 4.35
- Q1
- 2.43
- Min
- 0.54
At 20.20, NSP’s P/B Ratio is at an extreme premium to the Professional Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
PAYX
13.75
Professional Services Industry
- Max
- 13.75
- Q3
- 8.87
- Median
- 4.35
- Q1
- 2.43
- Min
- 0.54
PAYX’s P/B Ratio of 13.75 is in the upper tier for the Professional Services industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
Valuation at a Glance
| Symbol | NSP | PAYX |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 51.46 | 30.36 |
| Price-to-Sales Ratio (TTM) | 0.31 | 9.03 |
| Price-to-Book Ratio (MRQ) | 20.20 | 13.75 |
| Price-to-Free Cash Flow Ratio (TTM) | 3.19 | 29.96 |