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CBIZ INC (CBZ) Stock Fundamental Analysis

NYSE:CBZ - US1248051021 - Common Stock

59.86 USD
-0.11 (-0.18%)
Last: 9/5/2025, 8:04:00 PM
59.91 USD
+0.05 (+0.08%)
After Hours: 9/5/2025, 8:04:00 PM
Fundamental Rating

5

Overall CBZ gets a fundamental rating of 5 out of 10. We evaluated CBZ against 83 industry peers in the Professional Services industry. While CBZ is still in line with the averages on profitability rating, there are concerns on its financial health. CBZ is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year CBZ was profitable.
In the past year CBZ had a positive cash flow from operations.
CBZ had positive earnings in each of the past 5 years.
In the past 5 years CBZ always reported a positive cash flow from operatings.
CBZ Yearly Net Income VS EBIT VS OCF VS FCFCBZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

CBZ has a Return On Assets of 2.40%. This is comparable to the rest of the industry: CBZ outperforms 49.40% of its industry peers.
CBZ has a Return On Equity (5.77%) which is comparable to the rest of the industry.
CBZ has a Return On Invested Capital of 4.75%. This is comparable to the rest of the industry: CBZ outperforms 44.58% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CBZ is significantly below the industry average of 12.57%.
Industry RankSector Rank
ROA 2.4%
ROE 5.77%
ROIC 4.75%
ROA(3y)4.15%
ROA(5y)4.39%
ROE(3y)10.79%
ROE(5y)10.71%
ROIC(3y)6.53%
ROIC(5y)6.32%
CBZ Yearly ROA, ROE, ROICCBZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

CBZ has a Profit Margin (4.51%) which is in line with its industry peers.
In the last couple of years the Profit Margin of CBZ has declined.
Looking at the Operating Margin, with a value of 10.75%, CBZ is in the better half of the industry, outperforming 73.49% of the companies in the same industry.
CBZ's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 13.70%, CBZ is doing worse than 83.13% of the companies in the same industry.
In the last couple of years the Gross Margin of CBZ has declined.
Industry RankSector Rank
OM 10.75%
PM (TTM) 4.51%
GM 13.7%
OM growth 3Y-10.26%
OM growth 5Y-4.48%
PM growth 3Y-29.35%
PM growth 5Y-21.21%
GM growth 3Y-10.5%
GM growth 5Y-4.73%
CBZ Yearly Profit, Operating, Gross MarginsCBZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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3

2. Health

2.1 Basic Checks

CBZ has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
CBZ has more shares outstanding than it did 1 year ago.
The number of shares outstanding for CBZ has been reduced compared to 5 years ago.
Compared to 1 year ago, CBZ has a worse debt to assets ratio.
CBZ Yearly Shares OutstandingCBZ Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
CBZ Yearly Total Debt VS Total AssetsCBZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

An Altman-Z score of 1.88 indicates that CBZ is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 1.88, CBZ is doing worse than 62.65% of the companies in the same industry.
The Debt to FCF ratio of CBZ is 14.94, which is on the high side as it means it would take CBZ, 14.94 years of fcf income to pay off all of its debts.
CBZ's Debt to FCF ratio of 14.94 is on the low side compared to the rest of the industry. CBZ is outperformed by 65.06% of its industry peers.
CBZ has a Debt/Equity ratio of 0.79. This is a neutral value indicating CBZ is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.79, CBZ is doing worse than 62.65% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.79
Debt/FCF 14.94
Altman-Z 1.88
ROIC/WACC0.65
WACC7.35%
CBZ Yearly LT Debt VS Equity VS FCFCBZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

A Current Ratio of 1.60 indicates that CBZ should not have too much problems paying its short term obligations.
The Current ratio of CBZ (1.60) is better than 60.24% of its industry peers.
CBZ has a Quick Ratio of 1.60. This is a normal value and indicates that CBZ is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Quick ratio value of 1.60, CBZ is doing good in the industry, outperforming 62.65% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.6
Quick Ratio 1.6
CBZ Yearly Current Assets VS Current LiabilitesCBZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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9

3. Growth

3.1 Past

CBZ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 66.52%, which is quite impressive.
CBZ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.05% yearly.
The Revenue has grown by 46.49% in the past year. This is a very strong growth!
The Revenue has been growing by 13.84% on average over the past years. This is quite good.
EPS 1Y (TTM)66.52%
EPS 3Y16%
EPS 5Y15.05%
EPS Q2Q%143.59%
Revenue 1Y (TTM)46.49%
Revenue growth 3Y17.96%
Revenue growth 5Y13.84%
Sales Q2Q%62.73%

3.2 Future

CBZ is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.87% yearly.
Based on estimates for the next years, CBZ will show a very strong growth in Revenue. The Revenue will grow by 30.52% on average per year.
EPS Next Y42.56%
EPS Next 2Y26.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year60.78%
Revenue Next 2Y30.52%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CBZ Yearly Revenue VS EstimatesCBZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1B 2B 3B
CBZ Yearly EPS VS EstimatesCBZ Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 15.43 indicates a correct valuation of CBZ.
Based on the Price/Earnings ratio, CBZ is valued a bit cheaper than 72.29% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.06. CBZ is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 14.53, which indicates a correct valuation of CBZ.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CBZ indicates a somewhat cheap valuation: CBZ is cheaper than 67.47% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.69. CBZ is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 15.43
Fwd PE 14.53
CBZ Price Earnings VS Forward Price EarningsCBZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, CBZ is valued a bit cheaper than 61.45% of the companies in the same industry.
CBZ's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 30.75
EV/EBITDA 14.06
CBZ Per share dataCBZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40

4.3 Compensation for Growth

CBZ's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CBZ's earnings are expected to grow with 26.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.36
PEG (5Y)1.03
EPS Next 2Y26.87%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

CBZ does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CBIZ INC

NYSE:CBZ (9/5/2025, 8:04:00 PM)

After market: 59.91 +0.05 (+0.08%)

59.86

-0.11 (-0.18%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)10-27 2025-10-27/bmo
Inst Owners85.12%
Inst Owner Change6.66%
Ins Owners3.47%
Ins Owner Change2.61%
Market Cap3.23B
Analysts85.71
Price Target96.9 (61.88%)
Short Float %7.77%
Short Ratio6.04
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.58%
Min EPS beat(2)7.63%
Max EPS beat(2)11.53%
EPS beat(4)4
Avg EPS beat(4)11.64%
Min EPS beat(4)7.63%
Max EPS beat(4)17.49%
EPS beat(8)7
Avg EPS beat(8)2.5%
EPS beat(12)9
Avg EPS beat(12)1.73%
EPS beat(16)12
Avg EPS beat(16)-0.39%
Revenue beat(2)0
Avg Revenue beat(2)-3.54%
Min Revenue beat(2)-3.55%
Max Revenue beat(2)-3.52%
Revenue beat(4)1
Avg Revenue beat(4)0.85%
Min Revenue beat(4)-3.55%
Max Revenue beat(4)12.08%
Revenue beat(8)3
Avg Revenue beat(8)1.14%
Revenue beat(12)7
Avg Revenue beat(12)2.19%
Revenue beat(16)11
Avg Revenue beat(16)3.24%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)1.86%
EPS NQ rev (3m)8.73%
EPS NY rev (1m)1.02%
EPS NY rev (3m)1.02%
Revenue NQ rev (1m)-1.04%
Revenue NQ rev (3m)55.94%
Revenue NY rev (1m)-0.7%
Revenue NY rev (3m)-0.7%
Valuation
Industry RankSector Rank
PE 15.43
Fwd PE 14.53
P/S 1.33
P/FCF 30.75
P/OCF 26.03
P/B 1.71
P/tB N/A
EV/EBITDA 14.06
EPS(TTM)3.88
EY6.48%
EPS(NY)4.12
Fwd EY6.88%
FCF(TTM)1.95
FCFY3.25%
OCF(TTM)2.3
OCFY3.84%
SpS44.84
BVpS35.05
TBVpS-18.68
PEG (NY)0.36
PEG (5Y)1.03
Profitability
Industry RankSector Rank
ROA 2.4%
ROE 5.77%
ROCE 6.61%
ROIC 4.75%
ROICexc 4.8%
ROICexgc 18.78%
OM 10.75%
PM (TTM) 4.51%
GM 13.7%
FCFM 4.34%
ROA(3y)4.15%
ROA(5y)4.39%
ROE(3y)10.79%
ROE(5y)10.71%
ROIC(3y)6.53%
ROIC(5y)6.32%
ROICexc(3y)6.56%
ROICexc(5y)6.34%
ROICexgc(3y)21.85%
ROICexgc(5y)20.77%
ROCE(3y)9.09%
ROCE(5y)8.79%
ROICexcg growth 3Y-18.93%
ROICexcg growth 5Y-6.45%
ROICexc growth 3Y-27.55%
ROICexc growth 5Y-15.96%
OM growth 3Y-10.26%
OM growth 5Y-4.48%
PM growth 3Y-29.35%
PM growth 5Y-21.21%
GM growth 3Y-10.5%
GM growth 5Y-4.73%
F-Score5
Asset Turnover0.53
Health
Industry RankSector Rank
Debt/Equity 0.79
Debt/FCF 14.94
Debt/EBITDA 4.43
Cap/Depr 24.16%
Cap/Sales 0.79%
Interest Coverage 250
Cash Conversion 36.6%
Profit Quality 96.32%
Current Ratio 1.6
Quick Ratio 1.6
Altman-Z 1.88
F-Score5
WACC7.35%
ROIC/WACC0.65
Cap/Depr(3y)38.86%
Cap/Depr(5y)40%
Cap/Sales(3y)0.92%
Cap/Sales(5y)0.96%
Profit Quality(3y)163.09%
Profit Quality(5y)166.86%
High Growth Momentum
Growth
EPS 1Y (TTM)66.52%
EPS 3Y16%
EPS 5Y15.05%
EPS Q2Q%143.59%
EPS Next Y42.56%
EPS Next 2Y26.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)46.49%
Revenue growth 3Y17.96%
Revenue growth 5Y13.84%
Sales Q2Q%62.73%
Revenue Next Year60.78%
Revenue Next 2Y30.52%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y61.52%
EBIT growth 3Y5.86%
EBIT growth 5Y8.74%
EBIT Next Year155.93%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-5.03%
FCF growth 3Y-3.22%
FCF growth 5Y5.61%
OCF growth 1Y-2.53%
OCF growth 3Y-1.95%
OCF growth 5Y4.72%