NSP vs KFRC vs TNET Stock Comparison

Insperity, Kforce and Trinet Prices as of Oct 23, 2026 Peers: Industry group
NSP Insperity, Inc.
$54.48 +11.7% 1M +17.5% 1Y
Market cap
$2.05B
P/E
–
Revenue (TTM)
$6.87B
Div. yield
0.04%
Staffing Industrials
3 wins
KFRC Kforce Inc
$58.50 +12.3% 1M +112.3% 1Y
Market cap
$981.81M
P/E
26.9x
Revenue (TTM)
$1.34B
Div. yield
0.03%
Staffing Industrials
2 wins
TNET Trinet Group, Inc.
$75.76 +16.2% 1M +20.8% 1Y
Market cap
$3.46B
P/E
19.8x
Revenue (TTM)
$4.88B
Div. yield
–
Staffing Industrials
7 wins

Head to Head

12 decided of 12

Trinet leads on 7 of the 12 questions below (Trinet 7, Insperity 3, Kforce 2). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionNSPKFRCTNETLeader
Larger companyMarket capitalisation $2.05B $981.81M $3.46B TNET
Cheaper on earningsLower P/E, profitable companies only -127.8x 26.9x 19.8x TNET
Cheaper on forward earningsLower price / next fiscal year consensus EPS 24.4x 23.7x 16.1x TNET
Faster revenue growthRevenue growth, trailing twelve months +2.6% -1.3% -3.5% NSP
More profitableNet margin, trailing twelve months -0.2% 2.7% 3.6% TNET
Better return on capitalReturn on invested capital -0.7% 17.6% 21.3% TNET
Less leveragedLower net debt / EBITDA -4.9x 1.8x 1.3x NSP
Higher dividend yieldTrailing dividend yield 0.04% 0.03% 0.00% NSP
Better 1-year returnPrice return, last 12 months +17.5% +112.3% +20.8% KFRC
Better 5-year returnAnnualised price return, 5 years -15.0%/yr -2.1%/yr -4.8%/yr KFRC
Less volatileAnnualised volatility, 1 year 67.4% 60.8% 49.7% TNET
Higher overall scoreMean of the five percentile scores vs peers 39/100 38/100 55/100 TNET

Percentile Scorecard

NSPKFRCTNET

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisNSPKFRCTNET
Valuation 60 #46 of 112 41 #66 of 112 85 #18 of 112
Growth 22 #75 of 96 16 #81 of 96 34 #64 of 96
Profitability 30 #65 of 93 55 #42 of 93 74 #25 of 93
Financial Health 45 #70 of 126 50 #63 of 126 28 #91 of 126
Shareholder Returns 38 #42 of 67 27 #49 of 67 55 #31 of 67
Overall 39 38 55
  • NSP ranked among 130 companies in Business Services
  • KFRC ranked among 130 companies in Business Services
  • TNET ranked among 130 companies in Business Services

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodNSPKFRCTNETSPY
1 month +11.7%+12.3%+16.2% -1.0%
3 months +12.7%+6.2%+22.7% +2.9%
6 months +66.2%+80.5%+88.9% +6.4%
Year to date +40.7%+89.2%+28.1% +11.4%
1 year +17.5%+112.3%+20.8% +13.1%
3 years -44.0%+3.2%-32.9% +79.4%
3 years, per year -17.6%+1.0%-12.5% +21.5%
5 years -55.7%-10.2%-21.9% +67.7%
5 years, per year -15.0%-2.1%-4.8% +10.9%
10 years +49.1%+200.0%+291.7% +255.2%
10 years, per year +4.1%+11.6%+14.6% +13.5%

Risk

MeasureNSPKFRCTNETSPY
Volatility, 1Y 67.4%60.8%49.7% 12.7%
Downside volatility, 1Y 73.4%42.6%53.0% 12.7%
Beta vs S&P 500, 1Y -0.03-0.320.09 1.00
Return / volatility, 1Y 0.261.850.42 1.03
Max drawdown, 5Y -84.7%-69.6%-74.7% -25.4%
From 52-week high 0.0%-3.2%0.0% -2.5%
52-week high $54.48$60.41$75.76 $779.14
52-week low $19.90$24.54$33.85 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleNSPKFRCTNET
P/E now vs peer median -129.4xmedian 21.0x 26.9xmedian 21.0x 19.9xmedian 21.0x
P/S now vs peer median 0.3xmedian 0.9x 0.8xmedian 0.9x 0.7xmedian 0.9x
EV/EBITDA now vs peer median 45.9xmedian 12.3x 19.4xmedian 12.3x 9.5xmedian 12.3x
P/FCF now vs peer median 10.7xmedian 15.1x 46.4xmedian 15.1x 12.1xmedian 15.1x
P/B now vs peer median 34.1xmedian 2.4x 8.5xmedian 2.4x 27.9xmedian 2.4x
PEG now vs peer median 4.66median 1.02 -2.06median 1.02 -1.61median 1.02

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsNSPKFRCTNET
Revenue $6.87B $1.34B $4.88B
Gross profit $886.00M $371.99M –
Operating income -$3.00M $54.32M –
Net income -$16.00M $36.48M $175.00M
Free cash flow $194.00M $22.56M $288.00M
R&D – – $70.00M
EPS (diluted) $-0.41 $2.15 $3.80
Cash & equivalents $619.00M $330.00K $358.00M
Total debt $1.53B $330.00M $3.58B
Shares (diluted) 39.00M 16.98M 46.00M
Enterprise value -$228.46M $976.75M $2.15B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricNSPKFRCTNET
P/E -129.4x 26.9x 19.9x
P/FCF 10.7x 46.4x 12.1x
P/Operating cash flow 9.2x 28.9x 9.4x
P/S 0.3x 0.8x 0.7x
P/B 34.1x 8.5x 27.9x
P/Tangible book 34.1x 8.5x -72.6x
EV/EBITDA 45.9x 19.4x 9.5x
EV/EBIT -627.0x 21.3x 13.3x
EV/Revenue 0.3x 0.9x 0.8x
EV/FCF 9.7x 51.2x 14.0x
EV/Operating cash flow 8.4x 31.8x 10.9x
PEG (3Y EPS CAGR) 4.66 -2.06 -1.61

Growth

14 metrics
MetricNSPKFRCTNET
Revenue growth (1Y) 2.6% -1.3% -3.5%
Revenue CAGR (3Y) 3.0% -6.6% -0.4%
Gross profit growth (1Y) -9.6% 0.5% –
Gross profit CAGR (3Y) -5.3% -7.5% –
Operating income growth (1Y) -106.4% -10.7% –
Operating income CAGR (3Y) -26.3% -19.6% –
Net income growth (1Y) -140.0% -16.8% 21.5%
Net income CAGR (3Y) -27.8% -17.1% -19.8%
EPS growth (1Y) -139.0% -13.0% 29.5%
EPS CAGR (3Y) -27.8% -13.1% -12.4%
Operating cash flow growth (1Y) 524.5% -49.1% 16.0%
Operating cash flow CAGR (3Y) -4.0% -15.6% -5.5%
Free cash flow growth (1Y) 308.6% -62.7% 19.0%
Free cash flow CAGR (3Y) -4.0% -23.7% -8.4%

Profitability

14 metrics
MetricNSPKFRCTNET
Gross margin 12.9% 27.7% –
EBITDA margin 0.6% 4.4% 8.7%
Operating margin 0.0% 4.0% –
Pretax margin 0.0% 3.8% 5.1%
Net margin -0.2% 2.7% 3.6%
FCF margin 2.8% 1.7% 5.9%
Operating cash flow margin 3.3% 2.7% 7.6%
Return on equity -25.0% 30.3% 168.3%
Return on assets -0.7% 9.2% 5.2%
Return on invested capital -0.7% 17.6% 21.3%
Return on capital employed -0.5% 19.6% 23.7%
Asset turnover 3.1x 3.4x 1.4x
Cash conversion (OCF / net income) -14.1x 1.0x 2.1x
Stock comp / revenue 0.8% 1.0% 1.4%

Financial Health

11 metrics
MetricNSPKFRCTNET
Debt / assets 18.8% 26.1% 26.8%
Debt / equity 6.9x 0.9x 7.2x
Net debt / EBITDA -4.9x 1.8x 1.3x
Debt / FCF 2.2x 4.7x 3.1x
Liabilities / assets 97.3% 69.9% 96.3%
Equity / assets 2.7% 30.1% 3.7%
Interest coverage -0.1x – 5.6x
Current ratio 1.1x 1.9x 1.1x
Quick ratio 0.9x 1.8x 0.4x
Cash ratio 0.4x 0.0x 0.2x
Altman Z-score 4.14 8.14 2.07

Shareholder Returns

7 metrics
MetricNSPKFRCTNET
Dividend yield 4.4% 2.7% 1.5%
Net buyback yield 0.2% 3.2% 4.7%
Shareholder yield 4.6% 5.9% 6.2%
Payout ratio (earnings) -568.8% 74.2% –
Payout ratio (FCF) 46.9% 120.0% –
Dividend growth (1Y) 1.1% -3.2% –
Dividend CAGR (3Y) 3.6% 1.6% –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusNSPKFRCTNET
Forward P/E 24.4xFY2026 23.7xFY2026 16.1xFY2026
EPS, next fiscal year $2.23FY2026 $2.47FY2026 $4.71FY2026
EPS growth, next FY +116.5%FY2026 +18.2%FY2026 -0.4%FY2026
EPS growth, the year after +26.5% +17.0% -0.6%
Revenue, next fiscal year $6.45BFY2026 $1.32BFY2026 $5.04BFY2026
Revenue growth, next FY -5.4%FY2026 -1.0%FY2026 +0.6%FY2026
Revenue growth, the year after +6.0% +5.0% -7.1%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersNSPKFRCTNET
Held by institutions 100.0% 95.7% 95.5%
Institutions holding 276 233 278
Change in shares held, QoQ +2.4% +1.8% +0.3%
Institutions buying 179 136 157
Institutions selling 58 71 83
Buyers to sellers 3.09 1.92 1.89

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

NSPKFRCTNET
NSP 1.00 0.31 0.74
KFRC 0.31 1.00 0.46
TNET 0.74 0.46 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, NSP, KFRC and TNET?

Trinet (TNET) is the largest by market capitalisation: Insperity (NSP) $2.05B, Kforce (KFRC) $981.81M, Trinet (TNET) $3.46B.

Which stock is cheaper, NSP, KFRC and TNET?

Trinet (TNET) trades on the lowest price-to-earnings ratio (Insperity (NSP) -127.8x, Kforce (KFRC) 26.9x, Trinet (TNET) 19.8x). On next year's consensus earnings, Trinet (TNET) is cheapest (Insperity (NSP) 24.4x, Kforce (KFRC) 23.7x, Trinet (TNET) 16.1x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Insperity (NSP) grew revenue fastest over the trailing twelve months: Insperity (NSP) +2.6%, Kforce (KFRC) -1.3%, Trinet (TNET) -3.5%.

Which company is more profitable?

Trinet (TNET) has the highest net margin (Insperity (NSP) -0.2%, Kforce (KFRC) 2.7%, Trinet (TNET) 3.6%). On return on invested capital, Trinet (TNET) leads (Insperity (NSP) -0.7%, Kforce (KFRC) 17.6%, Trinet (TNET) 21.3%).

Which stock has performed better?

Over the past year Kforce (KFRC) returned the most: Insperity (NSP) +17.5%, Kforce (KFRC) +112.3%, Trinet (TNET) +20.8%. Over five years, Kforce (KFRC) compounded fastest (Insperity (NSP) -15.0%/yr, Kforce (KFRC) -2.1%/yr, Trinet (TNET) -4.8%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Insperity (NSP) has the highest dividend yield: Insperity (NSP) 0.04%, Kforce (KFRC) 0.03%, Trinet (TNET) 0.00%. Trinet (TNET) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Trinet (TNET) has been the steadiest (Insperity (NSP) 67.4%, Kforce (KFRC) 60.8%, Trinet (TNET) 49.7%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, NSP, KFRC and TNET?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Trinet (TNET) leads on 7. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.