---
schema_version: "secwatch.filing_event.v1"
accession: "0001000753-25-000104"
form_type: "8-K"
ticker: "NSP"
cik: "0001000753"
company_name: "INSPERITY, INC."
filed_at: "2025-11-03T23:59:59+00:00"
generated_at: "2026-05-17T00:48:28.671359+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "medium"
source: SEC EDGAR
---

# Insperity Q3 net loss $20M, adj EPS ($0.20); extends UHC deal with $500k pooling cap through 2028

## Summary
- Q3 revenues $1.6B (+4% YoY); net loss $20M; GAAP EPS ($0.53); adjusted EPS ($0.20).
- Healthcare costs drove 15% gross profit decline to $195M; elevated inpatient/outpatient/pharmacy trends cited.
- New UnitedHealthcare contract extends through 2028, reduces large-claim pooling to $500k from Jan 2026, adds volume incentives.
- YTD net income $26M ($0.69 EPS); adjusted EBITDA $144M; returned $87M to shareholders via buybacks and dividends.
- HRScale (Insperity/Workday) product rollout underway; Workday costs $38M YTD.

## SEC filing metadata
- accession: 0001000753-25-000104
- form_type: 8-K
- ticker: NSP
- cik: 0001000753
- company_name: INSPERITY, INC.
- filed_at: 2025-11-03T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: medium
- sec_items: 1.01, 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1000753/000100075325000104/0001000753-25-000104-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1000753/000100075325000104/nsp-20251103.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001000753-25-000104
- JSON: https://secwatch.observer/filing/0001000753-25-000104.json
- Plain text: https://secwatch.observer/filing/0001000753-25-000104.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.