Insperity Inc (NSP)vsPACCAR Inc (PCAR)
NSP
Insperity Inc
$35.38
+5.71%
INDUSTRIALS · Cap: $1.32B
PCAR
PACCAR Inc
$118.07
+0.80%
INDUSTRIALS · Cap: $59.41B
Smart Verdict
WallStSmart Research — data-driven comparison
PACCAR Inc generates 306% more annual revenue ($27.78B vs $6.84B). PCAR leads profitability with a 8.9% profit margin vs -0.4%. PCAR appears more attractively valued with a PEG of 1.12. PCAR earns a higher WallStSmart Score of 56/100 (C).
NSP
Hold37
out of 100
Grade: F
PCAR
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.4%
Fair Value
$104.80
Current Price
$35.38
$69.42 discount
Margin of Safety
-37.6%
Fair Value
$84.77
Current Price
$118.06
$33.30 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Large-cap with strong market position
Areas to Watch
1.7% revenue growth
Smaller company, higher risk/reward
Operating margin of 3.3%
Trading at 20.1x book value
Weak financial health signals
Revenue declined 8.9%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : PCAR
The strongest argument for PCAR centers on Market Cap. PEG of 1.12 suggests the stock is reasonably priced for its growth.
Bear Case : NSP
The primary concerns for NSP are Revenue Growth, Market Cap, Operating Margin. Debt-to-equity of 6.42 is elevated, increasing financial risk.
Bear Case : PCAR
The primary concerns for PCAR are Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
NSP profiles as a turnaround stock while PCAR is a value play — different risk/reward profiles.
PCAR carries more volatility with a beta of 1.03 — expect wider price swings.
NSP is growing revenue faster at 1.7% — sustainability is the question.
PCAR generates stronger free cash flow (825M), providing more financial flexibility.
Bottom Line
PCAR scores higher overall (56/100 vs 37/100). NSP offers better value entry with a 71.4% margin of safety. Both earn "Buy" 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.
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.
PACCAR Inc
INDUSTRIALS · FARM & HEAVY CONSTRUCTION MACHINERY · USA
PACCAR Inc is an American Fortune 500 company and counts among the largest manufacturers of medium- and heavy-duty trucks in the world. PACCAR is engaged in the design, manufacture and customer support of light-, medium- and heavy-duty trucks under the Kenworth, Peterbilt, Leyland Trucks, and DAF nameplates. PACCAR also designs and manufactures powertrains, provides financial services and information technology, and distributes truck parts related to its principal business.
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