Core Insights - U.S. stock futures are down, with Dow futures dropping over 300 points [1] - Insperity Inc reported disappointing third-quarter results, leading to a significant drop in its stock price [1][2] Company Performance - Insperity reported a quarterly loss of $0.20 per share, missing the analyst consensus estimate of $0.22 per share [2] - Quarterly sales for Insperity were $1.623 billion, falling short of the analyst consensus estimate of $1.632 billion [2] - Insperity's shares fell 31.3% to $31.00 in pre-market trading following the earnings report [2] Other Companies Impacted - Sarepta Therapeutics Inc saw a decline of 38.7% to $14.98 after reporting third-quarter results and failing to achieve statistical significance in its ESSENCE study [4] - Jeld-Wen Holding Inc's shares dropped 28.1% to $3.02 after reporting worse-than-expected third-quarter results and cutting FY25 guidance [4] - Ichor Holdings Ltd experienced a 26.2% decline to $16.77 after mixed third-quarter results and below-estimate fourth-quarter guidance [4] - Atlas Energy Solutions Inc's shares dipped 17.8% to $10.40 after reporting disappointing third-quarter results [4] - Navitas Semiconductor Corp fell 15.7% to $10.32 following its third-quarter results [4] - Uniqure NV's shares decreased 11.6% to $30.30 after a significant drop of 49% on Monday due to FDA concerns regarding its AMT-130 data [4] - Other companies like Ardelyx Inc, Genius Sports Limited, IAC Inc, and Archer-Daniels-Midland Company also reported declines in pre-market trading due to worse-than-expected financial results or lowered guidance [4]

Core Insights - U.S. stock futures are down, with Dow futures dropping over 300 points [1] - Insperity Inc reported disappointing third-quarter results, leading to a significant drop in its stock price [1][2] Company Performance - Insperity reported a quarterly loss of $0.20 per share, missing the analyst consensus estimate of $0.22 per share [2] - Quarterly sales for Insperity were $1.623 billion, falling short of the analyst consensus estimate of $1.632 billion [2] - Insperity's shares fell 31.3% to $31.00 in pre-market trading following the earnings report [2] Other Companies Impacted - Sarepta Therapeutics Inc saw a 38.7% drop to $14.98 after reporting third-quarter results and failing to achieve statistical significance in its ESSENCE study [4] - Jeld-Wen Holding Inc's shares fell 28.1% to $3.02 after reporting worse-than-expected third-quarter results and cutting FY25 guidance [4] - Ichor Holdings Ltd's shares dipped 26.2% to $16.77 after mixed third-quarter results and below-estimate fourth-quarter guidance [4] - Atlas Energy Solutions Inc's shares decreased by 17.8% to $10.40 after disappointing third-quarter results [4] - Navitas Semiconductor Corp fell 15.7% to $10.32 following its third-quarter results [4] - Uniqure NV's shares dipped 11.6% to $30.30 after a significant drop of 49% on Monday due to FDA concerns regarding its AMT-130 data [4] - Other companies like Ardelyx Inc, Genius Sports Limited, IAC Inc, and Archer-Daniels-Midland Company also experienced declines in pre-market trading due to poor financial results or lowered guidance [4]

Core Insights - Premarket trading is showing notable activity with significant price movements indicating potential trading opportunities before the market opens [1] Premarket Gainers - Denny's Corporation (DENN) is up 49% at $6.16 [3] - Cambium Networks Corporation (CMBM) is up 25% at $2.55 [3] - Tactile Systems Technology, Inc. (TCMD) is up 22% at $19.35 [3] - Upwork Inc. (UPWK) is up 19% at $18.60 [3] - Kforce Inc. (KFRC) is up 12% at $27.50 [3] - Super Group (SGHC) Limited (SGHC) is up 12% at $11.91 [3] - Innovex International, Inc. (INVX) is up 10% at $22.62 [3] - Sanmina Corporation (SANM) is up 9% at $154.03 [3] - Exact Sciences Corporation (EXAS) is up 8% at $72.69 [3] - OTG Acquisition Corp. I Class A Ordinary Share (OTGA) is up 7% at $10.77 [3] Premarket Losers - Sarepta Therapeutics, Inc. (SRPT) is down 40% at $14.44 [4] - JELD-WEN Holding, Inc. (JELD) is down 32% at $2.81 [4] - Ichor Holdings, Ltd. (ICHR) is down 29% at $16.05 [4] - Insperity, Inc. (NSP) is down 27% at $32.50 [4] - Prelude Therapeutics Incorporated (PRLD) is down 22% at $3.08 [4] - Forward Industries, Inc. (FORD) is down 20% at $11.11 [4] - Navitas Semiconductor Corporation (NVTS) is down 18% at $10.03 [4] - Diginex Limited (DGNX) is down 17% at $19.51 [4] - Atlas Energy Solutions Inc. (AESI) is down 16% at $10.58 [4] - Chijet Motor Company, Inc. (CJET) is down 15% at $3.24 [4]

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Core Insights - Golden Cariboo Resources Ltd. has launched its autumn surface drilling campaign at the Quesnelle Gold Quartz Mine Property, aiming to extend the gold-bearing zones' strike length from approximately 600 meters to 2 kilometers [1][4]. Group 1: Company Developments - The company has welcomed two new Professional Geoscientists, Cheryl Reid and Catherine Banfield, to enhance its technical team, both bringing 20 years of experience in mineral exploration [2][3]. - The Quesnelle Gold Quartz Mine property is strategically located near Osisko Development and has historical significance with over 101 placer gold creeks recorded along a 90-kilometer trend [4][5]. Group 2: Geological Context - The Quesnelle Quartz gold-silver deposit, discovered in 1865, covers an area of about 150m x 150m and shows geological similarities to the Spanish Mountain gold deposit, which is known for its significant size [5]. - The geological setting of the Quesnelle Gold Quartz Mine property is situated along a favorable corridor adjacent to the Spanish and Eureka thrust faults, covering an area of 94,899 hectares [4].

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Financial Performance - Revenues for Q3 2025 were $1,623 million, a 4% increase from $1,561 million in Q3 2024[12] - Gross profit decreased to $195 million in Q3 2025, down 15% from $229 million in Q3 2024[12] - Net loss for Q3 2025 was $20 million, compared to a net income of $3 million in Q3 2024, resulting in a diluted loss per share of $0.53[12] - Operating income for the nine months ended September 30, 2025, was $36 million, down 73% from $132 million in the same period of 2024[12] - Revenue for the three months ended September 30, 2025, was $1,623 million, a 4% increase from $1,561 million in 2024, while revenue for the nine months ended September 30, 2025, was $5,144 million, also a 4% increase from $4,968 million in 2024[36] - Net income for the nine months ended September 30, 2025, was $26 million, compared to $100 million in the same period of 2024[60] Cash Flow and Liquidity - Cash flows from operating activities showed a net cash used of $533 million for the nine months ended September 30, 2025, compared to $99 million for the same period in 2024[14] - The company reported a decrease in cash, cash equivalents, and restricted cash to $688 million at the end of Q3 2025, down from $748 million at the end of Q3 2024[14] - The company’s cash and cash equivalents totaled $440 million as of September 30, 2025, down from $1,055 million at December 31, 2024, primarily due to fluctuations in client payroll processing cycles[43] - Cash and cash equivalents increased to $1,039 million in Q3 2025 from $693 million in Q3 2024, representing a 50% increase[45] - The outstanding balance on the revolving credit facility was $369 million as of September 30, 2025, with an available borrowing capacity of $280 million[51] - The company had $1 million in outstanding letters of credit issued under the revolving credit facility as of September 30, 2025[51] Operating Expenses - Total operating expenses for Q3 2025 were $220 million, a slight decrease from $228 million in Q3 2024[12] - Payroll taxes, benefits, and workers' compensation costs increased to $1,428 million in Q3 2025, up from $1,332 million in Q3 2024[12] - The company reduced accrued workers' compensation costs by $20 million and $25 million for the nine months ended September 30, 2025 and 2024, respectively, due to changes in estimated losses related to prior periods[28] - Total accrued workers' compensation costs were $186 million as of September 30, 2025, down from $207 million in 2024, with a current portion of $79 million and a long-term portion of $107 million[29] Strategic Initiatives - The company is focused on enhancing service and technology offerings to meet new regulations and client expectations[10] - Strategic partnerships and joint solutions with Workday, Inc. are expected to provide anticipated benefits, although integration challenges remain[10] Financial Position - As of September 30, 2025, the company reported a cash surplus of $10 million above the required $9 million maintenance level, with total premiums owed to United at $26 million[25] - The company maintains an accumulated cash surplus in the health insurance plan of $9 million, which is reported as a long-term prepaid health insurance asset[25] - The total fair value of financial assets measured at fair value was $660 million as of September 30, 2025, down from $1,305 million at the end of 2024[47] - The carrying value of borrowings under the revolving credit facility approximates fair value and is classified as Level 2 in the fair value hierarchy[50] - The company was in compliance with all financial covenants under the Credit Agreement as of September 30, 2025[54] Shareholder Returns - The company declared and paid dividends totaling $68 million during the nine months ended September 30, 2025, compared to $67 million in 2024[58] - The company repurchased 45,000 shares under its stock repurchase program during the nine months ended September 30, 2025[56]

Financial Data and Key Metrics Changes - The average number of paid worksite employees increased by 1.2% year-over-year to 312,842 in Q3 2025 [3] - Adjusted EPS for the quarter was minus $0.20, and adjusted EBITDA was $10 million, both below forecasted ranges due to higher-than-expected benefits costs [4][10] - Gross profit per worksite employee decreased from $247 in Q3 2024 to $208 in Q3 2025, primarily due to increased benefits costs of $20 million [4][10] Business Line Data and Key Metrics Changes - New client sales results were encouraging, with a significant increase in accounts queued for first payroll, despite a slight decline in worksite employees from new clients compared to Q3 2024 [3] - Client retention remained strong at an average of 99% per month, consistent with prior year results [3] Market Data and Key Metrics Changes - The overall hiring environment was challenging, with net hiring within the client base being negative in Q3 2025, slightly weaker than Q3 2024 [4] - The health insurance industry reported an unexpected rise in healthcare costs and loss ratios, impacting Insperity significantly [6][15] Company Strategy and Development Direction - The company is focused on attracting and retaining the right clients at competitive prices to achieve sustainable profitability [7][8] - The rollout of the new HR Scale solution is expected to enhance Insperity's PEO offerings and drive growth, particularly in the mid-market segment [20][26] - A new agreement with UnitedHealthcare aims to reduce claim costs and mitigate risks, which is projected to positively impact margins [18][34] Management's Comments on Operating Environment and Future Outlook - Management acknowledged the unexpected increase in healthcare claims costs and its impact on financial performance, indicating that this trend is expected to persist into 2026 [15][33] - The company is optimistic about a rebound in 2026, driven by strategic pricing adjustments and the rollout of HR Scale [17][37] Other Important Information - Operating expenses decreased by 4% year-over-year in Q3 2025, with significant reductions in salaries and G&A costs [8] - The company returned $22 million in cash dividends to shareholders in Q3 2025, with a total of $68 million year-to-date [9] Q&A Session Summary Question: Clarification on earnings shortfall recovery - Management indicated that the earnings shortfall primarily relates to benefits costs and expects to recover a majority of this in 2026 [38][39] Question: Impact of cost trends on new sales - Management expressed confidence that pricing changes would not significantly impact new sales, citing strong sales performance and high renewal rates [40][41] Question: Initial responses from the joint marketing pod for HR Scale - Positive feedback was received regarding the unique solution developed, with early pipeline filling ahead of expectations [42][43] Question: Adjustments to benefits repricing - Management confirmed ongoing adjustments to pricing based on healthcare trends, with expectations for higher pricing in 2026 [44][45] Question: Healthcare pricing expectations for next year - Management anticipates a low double-digit increase in benefit costs on an apples-to-apples basis for 2026 [44] Question: Managing lower profitability clients - Management indicated that the focus is on retaining profitable clients while managing out lower profitability ones [48] Question: Investment framework for HR Scale - Management clarified that ongoing operating expenses for HR Scale would be lower than previous estimates, with a focus on balancing investment across projects [55][57] Question: AI's impact on employment and business creation - Management noted that while AI's impact on employment is uncertain, it could lead to new business creation, providing a buffer against employment efficiency [59][60]

Financial Performance - Q3 2025 - Q3 average paid worksite employees increased by 1%[8] - Adjusted EBITDA decreased by 74%[11] - Adjusted EPS decreased by 151%[11] - Operating expenses decreased by 4% compared to Q3 2024[13] Financial Performance - YTD September 2025 - Average paid worksite employees increased by 1%[15] - Adjusted EBITDA decreased by 42%[18] - Adjusted EPS decreased by 54%[18] Balance Sheet and Cash Flow - Adjusted Cash was $120 million as of September 30, 2025[20] - Total Debt was $369 million as of September 30, 2025[20] - Adjusted EBITDA was $144 million YTD September 30, 2025[20] Q4 and FY 2025 Outlook - Q4 2025 Adjusted EBITDA is projected at $(25) million, a decrease of 209% year-over-year[22] - FY 2025 Adjusted EBITDA is projected between $119 million and $153 million, a decrease of 56% to 43% year-over-year[22] - FY 2025 Adjusted EPS is projected between $0.84 and $1.47, a decrease of 77% to 59% year-over-year[22]

Exhibit 99.1 Insperity Announces Third Quarter Results and New UnitedHealthcare Contract HOUSTON – November 3, 2025 – Insperity, Inc. (NYSE: NSP), a leading provider of human resources and business performance solutions for America's best businesses, today reported results for the third quarter ended September 30, 2025. Insperity will be hosting a conference call today at 5:00 p.m. ET to discuss these results, our updated 2025 outlook, and perspectives on expected 2026 key drivers of growth and profitabilit ...