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Side-by-side financial comparison of INSPERITY, INC. (NSP) and Primerica, Inc. (PRI). Click either name above to swap in a different company.
INSPERITY, INC. is the larger business by last-quarter revenue ($1.7B vs $853.7M, roughly 2.0× Primerica, Inc.). On growth, Primerica, Inc. posted the faster year-over-year revenue change (11.0% vs 3.4%). Over the past eight quarters, Primerica, Inc.'s revenue compounded faster (7.2% CAGR vs -3.8%).
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.
Primerica, Inc. is a multi-level marketing company that provides insurance, investment and financial services to middle-income families in the United States and Canada.
NSP vs PRI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.7B | $853.7M |
| Net Profit | — | $197.0M |
| Gross Margin | 10.3% | — |
| Operating Margin | -2.8% | 28.9% |
| Net Margin | — | 23.1% |
| Revenue YoY | 3.4% | 11.0% |
| Net Profit YoY | — | 17.9% |
| EPS (diluted) | $-0.87 | $6.11 |
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 | $853.7M | ||
| Q3 25 | $1.6B | $839.9M | ||
| Q2 25 | $1.7B | $793.3M | ||
| Q1 25 | $1.9B | $804.8M | ||
| Q4 24 | $1.6B | $768.8M | ||
| Q3 24 | $1.6B | $774.1M | ||
| Q2 24 | $1.6B | $803.4M | ||
| Q1 24 | $1.8B | $742.8M |
| Q4 25 | — | $197.0M | ||
| Q3 25 | $-20.0M | $206.8M | ||
| Q2 25 | $-5.0M | $178.3M | ||
| Q1 25 | $51.0M | $169.1M | ||
| Q4 24 | — | $167.1M | ||
| Q3 24 | $3.0M | $164.4M | ||
| Q2 24 | $18.0M | $1.2M | ||
| Q1 24 | $79.0M | $137.9M |
| 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% | 98.0% | ||
| Q1 24 | 19.1% | 98.2% |
| Q4 25 | -2.8% | 28.9% | ||
| Q3 25 | -1.5% | 32.3% | ||
| Q2 25 | -0.4% | 29.6% | ||
| Q1 25 | 3.7% | 27.5% | ||
| Q4 24 | -0.9% | 64.7% | ||
| Q3 24 | 0.1% | 32.9% | ||
| Q2 24 | 1.4% | 1.0% | ||
| Q1 24 | 6.0% | 24.1% |
| Q4 25 | — | 23.1% | ||
| Q3 25 | -1.2% | 24.6% | ||
| Q2 25 | -0.3% | 22.5% | ||
| Q1 25 | 2.7% | 21.0% | ||
| Q4 24 | — | 21.7% | ||
| Q3 24 | 0.2% | 21.2% | ||
| Q2 24 | 1.1% | 0.1% | ||
| Q1 24 | 4.4% | 18.6% |
| Q4 25 | $-0.87 | $6.11 | ||
| Q3 25 | $-0.53 | $6.35 | ||
| Q2 25 | $-0.14 | $5.40 | ||
| Q1 25 | $1.35 | $5.05 | ||
| Q4 24 | $-0.21 | $4.92 | ||
| Q3 24 | $0.07 | $4.83 | ||
| Q2 24 | $0.48 | $0.03 | ||
| Q1 24 | $2.08 | $3.93 |
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 | $756.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $46.0M | $2.4B |
| Total Assets | $2.2B | $15.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $682.0M | $756.2M | ||
| Q3 25 | $521.0M | $644.9M | ||
| Q2 25 | $511.0M | $621.2M | ||
| Q1 25 | $684.0M | $625.1M | ||
| Q4 24 | $1.2B | $687.8M | ||
| Q3 24 | $596.0M | $550.1M | ||
| Q2 24 | $850.0M | $627.3M | ||
| Q1 24 | $801.0M | $593.4M |
| Q4 25 | $46.0M | $2.4B | ||
| Q3 25 | $87.0M | $2.3B | ||
| Q2 25 | $112.0M | $2.3B | ||
| Q1 25 | $119.0M | $2.3B | ||
| Q4 24 | $97.0M | $2.3B | ||
| Q3 24 | $125.0M | $1.9B | ||
| Q2 24 | $142.0M | $2.1B | ||
| Q1 24 | $140.0M | $2.2B |
| Q4 25 | $2.2B | $15.0B | ||
| Q3 25 | $2.0B | $14.8B | ||
| Q2 25 | $2.0B | $14.8B | ||
| Q1 25 | $2.1B | $14.6B | ||
| Q4 24 | $2.6B | $14.6B | ||
| Q3 24 | $1.9B | $14.8B | ||
| Q2 24 | $2.1B | $14.6B | ||
| Q1 24 | $2.1B | $14.9B |
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 | $255.0M | $338.2M |
| Free Cash FlowOCF − Capex | $246.0M | — |
| FCF MarginFCF / Revenue | 14.7% | — |
| Capex IntensityCapex / Revenue | 0.5% | — |
| Cash ConversionOCF / Net Profit | — | 1.72× |
| TTM Free Cash FlowTrailing 4 quarters | $-309.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $255.0M | $338.2M | ||
| Q3 25 | $-11.0M | $202.9M | ||
| Q2 25 | $-79.0M | $162.6M | ||
| Q1 25 | $-443.0M | $197.5M | ||
| Q4 24 | $619.0M | $270.6M | ||
| Q3 24 | $-150.0M | $207.3M | ||
| Q2 24 | $20.0M | $173.3M | ||
| Q1 24 | $31.0M | $210.9M |
| 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 | — | 1.72× | ||
| Q3 25 | — | 0.98× | ||
| Q2 25 | — | 0.91× | ||
| Q1 25 | -8.69× | 1.17× | ||
| Q4 24 | — | 1.62× | ||
| Q3 24 | -50.00× | 1.26× | ||
| Q2 24 | 1.11× | 147.98× | ||
| Q1 24 | 0.39× | 1.53× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
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% |
PRI
| Revenues From Sources Other Than Contracts With Customers | $445.9M | 52% |
| Investment And Savings Products Segment Revenues | $340.3M | 40% |
| Other | $56.5M | 7% |
| Segment Revenues From Contracts With Customers | $11.0M | 1% |
