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InsperityFRA:ASF +3.67%68 Cash-to-Debt is 1.30 as of Jun. 2026, which is 13% below its 10-year median of 1.49. GuruFocus rates FRA:ASF with a GF Score™ of 68/100 and a GF Value™ of €68.88 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 1,070 Business Services companies, Insperity ranks better than 52.06% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Insperity's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.30.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Insperitycould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Insperity's Cash-to-Debt or its related term are showing as below:
FRA:ASF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.94 Med: 1.49 Max: 3.51
Current: 1.3
During the past 13 years, Insperity's highest Cash to Debt Ratio was 3.51. The lowest was 0.94. And the median was 1.49.
FRA:ASF's Cash-to-Debt is ranked better than 52.06% of 1070
companies
in the Business Services industry
Industry Median: 1.135
vs FRA:ASF: 1.30
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Insperity Cash-to-Debt Related Terms
Insperity Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Insperity's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
FRA:ASF vs MAN, KFRC, TNET: Cash-to-Debt Comparison
For the Staffing & Employment Services subindustry, Insperity's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Insperity Cash-to-Debt vs Business Services Industry
For the Business Services industry and Industrials sector, Insperity's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Insperity's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Insperity (FRA:ASF) has a Cash-to-Debt of 1.30 as of Jun. 2026. This is 13% below median its historical median of 1.49. Over the past decade, Insperity's Cash-to-Debt has ranged from 0.94 to 3.51. According to the industry distribution chart, Insperity ranks #513 out of 1070 companies in the Business Services industry, placing it in the top 47.9%.
Is Insperity's Cash-to-Debt too high?
Insperity's current Cash-to-Debt of 1.30 is 13% below median its 10-year median of 1.49. Over the past 10 years, this metric has ranged from a low of 0.94 to a high of 3.51. The Business Services industry median Cash-to-Debt is 1.14. Insperity's value of 1.30 is 14.5% above this industry median. Based on the distribution chart, Insperity ranks #513 out of 1070 companies in the Business Services industry, which is above the industry midpoint. Overall, Insperity has a GF Score™ of 68/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Insperity's Cash-to-Debt compare to MAN and KFRC?
According to the Business Services industry distribution chart, Insperity ranks #513 out of 1070 companies for Cash-to-Debt. This puts Insperity in the upper half of its industry. The industry median Cash-to-Debt is 1.14. Insperity's value of 1.30 is 14.5% above this benchmark. Historically, Insperity's own Cash-to-Debt has ranged from 0.94 to 3.51 over the past decade. While the company's 10-year median is 1.49 vs. the industry median of 1.14, Insperity has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Business Services company?
The median Cash-to-Debt among Business Services companies is 1.14, based on 1,070 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Insperity's current Cash-to-Debt of 1.30 is 14.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Business Services industry, the median Cash-to-Debt is 1.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Insperity's current Cash-to-Debt is 1.30, which is 13% below median its own 10-year median of 1.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Insperity stock overvalued right now?
Based on GuruFocus' analysis, Insperity (FRA:ASF) is currently considered Possible Value Trap. The stock's GF Value™ is €68.88, compared to a current price of €45.20 — trading 34.4% below its estimated fair value. The current Cash-to-Debt is 1.30, which is 13% below median its 10-year median of 1.49 and 14.5% above the Business Services industry median of 1.14. Insperity's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Insperity (FRA:ASF), the current Cash-to-Debt is 1.30 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Insperity (FRA:ASF) Overvalued in 2026?
Based on GuruFocus' analysis, Insperity stock appears to be undervalued.
The current stock price of €45.20 is trading 34.4% below its estimated GF Value™ of €68.88.
GuruFocus considers Insperity to be Possible Value Trap.
Key valuation signals for FRA:ASF:
Cash-to-Debt: 1.30 (13% below median its 10-year median of 1.49)
GF Value™: €68.88 vs. price of €45.20 (34.4% below fair value)
Industry Position: 14.5% above the Business Services median (#513 of 1070)
No single metric tells the full story. See the FRA:ASF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Insperity Inc is a company that provides a wide range of human resources and business solutions designed to help businesses improve their performance. Small and midsize enterprises are the company's primary target customers. Majority of the company's products are offered through the company's Workforce Optimization and Workforce Synchronization solutions, which comprise various human resource functions, such as payroll and employment administration, employee benefits and compensation, government compliance, performance management, training and development services, and human capital management. The company generates all of its revenue in the United States.
68GF Score
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