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Side-by-side financial comparison of COMERICA INC (CMA) and INSPERITY, INC. (NSP). Click either name above to swap in a different company.
INSPERITY, INC. is the larger business by last-quarter revenue ($1.7B vs $838.0M, roughly 2.0× COMERICA INC). On growth, INSPERITY, INC. posted the faster year-over-year revenue change (3.4% vs 3.3%). Over the past eight quarters, COMERICA INC's revenue compounded faster (108.9% CAGR vs -3.8%).
Comerica Incorporated is an American financial services company, headquartered in Dallas, Texas. It is the parent of Comerica Bank, a regional commercial bank with 413 branches in the U.S. states of Texas, Michigan, California, Florida and Arizona. Comerica is among the largest U.S. financial holding companies, with offices in a number of U.S. cities.
Insperity, Inc., previously known as Administaff, Inc., is a professional employer organization (PEO) headquartered in Kingwood, an area of Houston, Texas, USA. Insperity provides human resources and administrative services to small and medium-sized businesses. Since 2004, the company has been title sponsor of a professional golf tournament on the Champions Tour, previously known as the Administaff Small Business Classic.
CMA vs NSP — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $838.0M | $1.7B |
| Net Profit | $176.0M | — |
| Gross Margin | — | 10.3% |
| Operating Margin | — | -2.8% |
| Net Margin | 21.0% | — |
| Revenue YoY | 3.3% | 3.4% |
| Net Profit YoY | -4.3% | — |
| EPS (diluted) | $1.35 | $-0.87 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | — | $1.7B | ||
| Q3 25 | $838.0M | $1.6B | ||
| Q2 25 | $849.0M | $1.7B | ||
| Q1 25 | $829.0M | $1.9B | ||
| Q4 24 | $825.0M | $1.6B | ||
| Q3 24 | $811.0M | $1.6B | ||
| Q2 24 | $824.0M | $1.6B | ||
| Q1 24 | $784.0M | $1.8B |
| Q4 25 | — | — | ||
| Q3 25 | $176.0M | $-20.0M | ||
| Q2 25 | $199.0M | $-5.0M | ||
| Q1 25 | $172.0M | $51.0M | ||
| Q4 24 | $170.0M | — | ||
| Q3 24 | $184.0M | $3.0M | ||
| Q2 24 | $206.0M | $18.0M | ||
| Q1 24 | $138.0M | $79.0M |
| Q4 25 | — | 10.3% | ||
| Q3 25 | — | 12.0% | ||
| Q2 25 | — | 13.4% | ||
| Q1 25 | — | 16.6% | ||
| Q4 24 | — | 13.5% | ||
| Q3 24 | — | 14.7% | ||
| Q2 24 | — | 16.2% | ||
| Q1 24 | — | 19.1% |
| Q4 25 | — | -2.8% | ||
| Q3 25 | — | -1.5% | ||
| Q2 25 | — | -0.4% | ||
| Q1 25 | — | 3.7% | ||
| Q4 24 | — | -0.9% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 6.0% |
| Q4 25 | — | — | ||
| Q3 25 | 21.0% | -1.2% | ||
| Q2 25 | 23.4% | -0.3% | ||
| Q1 25 | 20.7% | 2.7% | ||
| Q4 24 | 20.6% | — | ||
| Q3 24 | 22.7% | 0.2% | ||
| Q2 24 | 25.0% | 1.1% | ||
| Q1 24 | 17.6% | 4.4% |
| Q4 25 | — | $-0.87 | ||
| Q3 25 | $1.35 | $-0.53 | ||
| Q2 25 | $1.42 | $-0.14 | ||
| Q1 25 | $1.25 | $1.35 | ||
| Q4 24 | $1.22 | $-0.21 | ||
| Q3 24 | $1.33 | $0.07 | ||
| Q2 24 | $1.49 | $0.48 | ||
| Q1 24 | $0.98 | $2.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $682.0M |
| Total DebtLower is stronger | $5.4B | — |
| Stockholders' EquityBook value | $7.4B | $46.0M |
| Total Assets | $77.4B | $2.2B |
| Debt / EquityLower = less leverage | 0.73× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $682.0M | ||
| Q3 25 | — | $521.0M | ||
| Q2 25 | — | $511.0M | ||
| Q1 25 | — | $684.0M | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | — | $596.0M | ||
| Q2 24 | — | $850.0M | ||
| Q1 24 | — | $801.0M |
| Q4 25 | — | — | ||
| Q3 25 | $5.4B | — | ||
| Q2 25 | $5.8B | — | ||
| Q1 25 | $5.7B | — | ||
| Q4 24 | $6.7B | — | ||
| Q3 24 | $6.8B | — | ||
| Q2 24 | $7.1B | — | ||
| Q1 24 | $7.1B | — |
| Q4 25 | — | $46.0M | ||
| Q3 25 | $7.4B | $87.0M | ||
| Q2 25 | $6.9B | $112.0M | ||
| Q1 25 | $7.1B | $119.0M | ||
| Q4 24 | $6.5B | $97.0M | ||
| Q3 24 | $7.4B | $125.0M | ||
| Q2 24 | $6.2B | $142.0M | ||
| Q1 24 | $6.0B | $140.0M |
| Q4 25 | — | $2.2B | ||
| Q3 25 | $77.4B | $2.0B | ||
| Q2 25 | $78.0B | $2.0B | ||
| Q1 25 | $77.6B | $2.1B | ||
| Q4 24 | $79.3B | $2.6B | ||
| Q3 24 | $79.7B | $1.9B | ||
| Q2 24 | $79.6B | $2.1B | ||
| Q1 24 | $79.4B | $2.1B |
| Q4 25 | — | — | ||
| Q3 25 | 0.73× | — | ||
| Q2 25 | 0.84× | — | ||
| Q1 25 | 0.81× | — | ||
| Q4 24 | 1.02× | — | ||
| Q3 24 | 0.92× | — | ||
| Q2 24 | 1.15× | — | ||
| Q1 24 | 1.18× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-270.0M | $255.0M |
| Free Cash FlowOCF − Capex | — | $246.0M |
| FCF MarginFCF / Revenue | — | 14.7% |
| Capex IntensityCapex / Revenue | — | 0.5% |
| Cash ConversionOCF / Net Profit | -1.53× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-309.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $255.0M | ||
| Q3 25 | $-270.0M | $-11.0M | ||
| Q2 25 | $476.0M | $-79.0M | ||
| Q1 25 | $273.0M | $-443.0M | ||
| Q4 24 | $601.0M | $619.0M | ||
| Q3 24 | $1.0B | $-150.0M | ||
| Q2 24 | $111.0M | $20.0M | ||
| Q1 24 | $-205.0M | $31.0M |
| Q4 25 | — | $246.0M | ||
| Q3 25 | — | $-20.0M | ||
| Q2 25 | — | $-86.0M | ||
| Q1 25 | — | $-449.0M | ||
| Q4 24 | — | $606.0M | ||
| Q3 24 | — | $-164.0M | ||
| Q2 24 | — | $14.0M | ||
| Q1 24 | — | $26.0M |
| Q4 25 | — | 14.7% | ||
| Q3 25 | — | -1.2% | ||
| Q2 25 | — | -5.2% | ||
| Q1 25 | — | -24.1% | ||
| Q4 24 | — | 37.6% | ||
| Q3 24 | — | -10.5% | ||
| Q2 24 | — | 0.9% | ||
| Q1 24 | — | 1.4% |
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.6% | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.8% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.3% |
| Q4 25 | — | — | ||
| Q3 25 | -1.53× | — | ||
| Q2 25 | 2.39× | — | ||
| Q1 25 | 1.59× | -8.69× | ||
| Q4 24 | 3.54× | — | ||
| Q3 24 | 5.70× | -50.00× | ||
| Q2 24 | 0.54× | 1.11× | ||
| Q1 24 | -1.49× | 0.39× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CMA
Segment breakdown not available.
NSP
| Northeast | $455.0M | 27% |
| West | $339.0M | 20% |
| Southwest | $317.0M | 19% |
| Central | $299.0M | 18% |
| Southeast | $241.0M | 14% |
| Other Revenues | $17.0M | 1% |
