secwatch.observer — SEC 8-K summary
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Issuer:     INSPERITY, INC. (NSP)
CIK:        0001000753
Form:       8-K
Filed at:   2025-11-03T23:59:59+00:00
Accession:  0001000753-25-000104
Event type: earnings
Sentiment:  negative
Materiality: 0.75
Item codes: 1.01, 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1000753/000100075325000104/0001000753-25-000104-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1000753/000100075325000104/nsp-20251103.htm
  HTML page:      https://secwatch.observer/filing/0001000753-25-000104

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer