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Insperity cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$17.0M in Q3 2026 · $197M over twelve months

Operating cash flow−$4.0M
Capital spending−$13.0M
Free cash flow−$17.0M

Analysis

In Q3 2026, Insperity generated −$4.0M of operating cash flow and spent $13.0M on capital projects, leaving free cash flow of −$17.0M. That is $3.0M more than in Q3 2025 (−$20.0M).

Over the twelve months to Sep 30, 2026, operating cash flow was $232M; the largest uses were dividends ($91.0M), capital spending ($35.0M), buybacks ($10.0M); besides operations, cash came from other financing ($57.0M), other investing ($18.0M); the cash balance rose by $171M.

Operating cash flow was −$4.0M against net income of −$1.0M. The largest differences: receivables −$32.0M, stock-based pay +$12.0M, depreciation & amortization +$10.0M.

Free cash flow

Insperity: free cash flow by quarterInsperity: free cash flow by quarter$606MQ4 2024−$449MQ1 2025−$86.0MQ2 2025−$20.0MQ3 2025$246MQ4 2025−$73.0MQ1 2026$41.0MQ2 2026−$17.0MQ3 2026
Operating cash flow less capital spending.
Insperity: operating cash flow against capital spendingInsperity: operating cash flow against capital spendingOperating cash flowCapital spending$619M$13.0MQ4 2024−$443M$6.0MQ1 2025−$79.0M$7.0MQ2 2025−$11.0M$9.0MQ3 2025$255M$9.0MQ4 2025−$67.0M$6.0MQ1 2026$48.0M$7.0MQ2 2026−$4.0M$13.0MQ3 2026
Latest (Q3 2026): Operating cash flow −$4.0M, Capital spending $13.0M.

Capital allocation, year by year

Insperity: where the cash came from (up) and went (down), by fiscal yearInsperity: where the cash came from (up) and went (down), by fiscal yearOperating cash flowAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $260MFY2021: Asset sales $51KFY2021: Capital spending −$32.9MFY2021: Buybacks −$69.7MFY2021: Dividends −$144M$260MFY2021FY2022: Operating cash flow $347MFY2022: Capital spending −$30.0MFY2022: Buybacks −$73.0MFY2022: Dividends −$77.0M$347MFY2022FY2023: Operating cash flow $198MFY2023: Capital spending −$40.0MFY2023: Buybacks −$131MFY2023: Dividends −$84.0M$198MFY2023FY2024: Operating cash flow $520MFY2024: Capital spending −$38.0MFY2024: Buybacks −$63.0MFY2024: Dividends −$89.0M$520MFY2024FY2025: Operating cash flow −$278MFY2025: Capital spending −$31.0MFY2025: Buybacks −$19.0MFY2025: Dividends −$90.0MFY2025
Over these 5 years operating cash flow totalled $1.0B; the largest uses were dividends ($484M) and buybacks ($356M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$678M
Debt$419M
Net cash$259M
Cash runway10.0 years

Insperity is burning cash: its operations consume cash, a free cash flow of −$68.0M a year at the current rate against $678M of cash and investments: a runway of about 10.0 years before any new financing.

Where the cash came from and went

Insperity: sources (+) and uses (−) of cash, Q3 2026Insperity: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$51.0MDividends−$23.0MCapital spending−$13.0MBuybacks−$6.0MOther financing−$5.0MOperating cash flow−$4.0M
Insperity: sources (+) and uses (−) of cash, TTM to Q3 2026Insperity: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$232MCash drawn (+) / kept (−)−$171MDividends−$91.0MOther financing$57.0MCapital spending−$35.0MOther investing$18.0MBuybacks−$10.0M

From profit to cash

Insperity: net income to operating cash flow, Q3 2026Insperity: net income to operating cash flow, Q3 2026Net income−$1.0MDepreciation & amortization$10.0MStock-based pay$12.0MDeferred taxes$3.0MReceivables−$32.0MPayables−$3.0MPrepaid and other assets$4.0MIncome taxes payable−$4.0MOperating cash flow−$4.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026−$4.0M−$13.0M−$6.0M−$23.0M—$51.0M−$17.0M
Q2 2026$48.0M−$7.0M—−$23.0M$50.0M−$84.0M$41.0M
Q1 2026−$67.0M−$6.0M−$4.0M−$23.0M—$119M−$73.0M
Q4 2025$255M−$9.0M—−$22.0M—−$257M$246M
Q3 2025−$11.0M−$9.0M—−$23.0M—$45.0M−$20.0M
Q2 2025−$79.0M−$7.0M—−$22.0M—$113M−$86.0M
Q1 2025−$443M−$6.0M−$19.0M−$23.0M—$498M−$449M
Q4 2024$619M−$13.0M−$11.0M−$22.0M—−$596M$606M

Insperity: income statement and cash flow

Insperity, Q3 2026: revenue $1.7B (+2% year over year), operating margin -0.1%. The chart follows the revenue to costs, profit and cash.

Insperity: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.