WallStSmart

BG Staffing Inc (BGSF)vsInsperity Inc (NSP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Insperity Inc generates 7360% more annual revenue ($6.87B vs $92.11M). NSP leads profitability with a -0.2% profit margin vs -9.0%. BGSF appears more attractively valued with a PEG of 0.41. BGSF earns a higher WallStSmart Score of 39/100 (F).

BGSF

Hold

39

out of 100

Grade: F

Growth: 2.0Profit: 2.0Value: 6.7Quality: 8.5
Piotroski: 2/9Altman Z: 4.15

NSP

Hold

37

out of 100

Grade: F

Growth: 3.3Profit: 2.5Value: 7.0Quality: 5.5
Piotroski: 4/9Altman Z: 3.60
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for BGSF.

NSPUndervalued (+70.8%)

Margin of Safety

+70.8%

Fair Value

$102.93

Current Price

$49.69

$53.24 discount

UndervaluedFair: $102.93Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BGSF4 strengths · Avg: 10.0/10
PEG RatioValuation
0.4110/10

Growing faster than its price suggests

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.1510/10

Safe zone — low bankruptcy risk

NSP1 strengths · Avg: 10.0/10
Altman Z-ScoreHealth
3.6010/10

Safe zone — low bankruptcy risk

Areas to Watch

BGSF4 concerns · Avg: 2.5/10
Market CapQuality
$54.97M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-25.7%2/10

ROE of -25.7% — below average capital efficiency

Revenue GrowthGrowth
-5.1%2/10

Revenue declined 5.1%

NSP4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
1.7%4/10

1.7% revenue growth

Market CapQuality
$1.92B3/10

Smaller company, higher risk/reward

Operating MarginProfitability
0.4%3/10

Operating margin of 0.4%

Price/BookValuation
31.1x2/10

Trading at 31.1x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : BGSF

The strongest argument for BGSF centers on PEG Ratio, Price/Book, Debt/Equity. PEG of 0.41 suggests the stock is reasonably priced for its growth.

Bull Case : NSP

The strongest argument for NSP centers on Altman Z-Score. PEG of 1.42 suggests the stock is reasonably priced for its growth.

Bear Case : BGSF

The primary concerns for BGSF are Market Cap, Piotroski F-Score, Return on Equity.

Bear Case : NSP

The primary concerns for NSP are Revenue Growth, Market Cap, Operating Margin. Debt-to-equity of 7.84 is elevated, increasing financial risk.

Key Dynamics to Monitor

NSP carries more volatility with a beta of 0.53 — expect wider price swings.

NSP is growing revenue faster at 1.7% — sustainability is the question.

NSP generates stronger free cash flow (122M), providing more financial flexibility.

Monitor STAFFING & EMPLOYMENT SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

BGSF scores higher overall (39/100 vs 37/100). NSP offers better value entry with a 70.8% margin of safety. Both earn "Hold" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

BG Staffing Inc

INDUSTRIALS · STAFFING & EMPLOYMENT SERVICES · USA

BGSF Inc. provides workforce solutions and placement services in the United States. The company is headquartered in Plano, Texas.

Insperity Inc

INDUSTRIALS · STAFFING & EMPLOYMENT SERVICES · USA

Insperity, Inc. provides human resources (HR) and business solutions to improve business performance for small and medium-sized businesses. The company is headquartered in Kingwood, Texas.

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