CBIZ INC (CBZ) Stock Fundamental Analysis
USA - NYSE:CBZ - US1248051021 - Common Stock
53.29 USD
+0.09 (+0.17%)
53.29 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CBZ. CBZ was compared to 86 industry peers in the Professional Services industry. There are concerns on the financial health of CBZ while its profitability can be described as average. CBZ is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
CBZ had positive earnings in the past year.
In the past year CBZ had a positive cash flow from operations.
CBZ had positive earnings in each of the past 5 years.
Each year in the past 5 years CBZ had a positive operating cash flow.
1.2 Ratios
CBZ's Return On Assets of 2.40% is in line compared to the rest of the industry. CBZ outperforms 51.16% of its industry peers.
CBZ has a Return On Equity (5.77%) which is comparable to the rest of the industry.
With a Return On Invested Capital value of 4.75%, CBZ perfoms like the industry average, outperforming 45.35% of the companies in the same industry.
CBZ had an Average Return On Invested Capital over the past 3 years of 6.53%. This is significantly below the industry average of 13.28%.
| Industry Rank | Sector 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%
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.
CBZ has a better Operating Margin (10.75%) than 73.26% of its industry peers.
CBZ's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 13.70%, CBZ is not doing good in the industry: 82.56% of the companies in the same industry are doing better.
In the last couple of years the Gross Margin of CBZ has declined.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CBZ is destroying value.
Compared to 1 year ago, CBZ has more shares outstanding
CBZ has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CBZ is higher compared to a year ago.
2.2 Solvency
CBZ has an Altman-Z score of 1.80. This is a bad value and indicates that CBZ is not financially healthy and even has some risk of bankruptcy.
CBZ has a Altman-Z score of 1.80. This is in the lower half of the industry: CBZ underperforms 61.63% of its industry peers.
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 61.63% 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.
CBZ has a worse Debt to Equity ratio (0.79) than 62.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 14.94 | ||
| Altman-Z | 1.8 |
ROIC/WACC0.66
WACC7.15%
2.3 Liquidity
CBZ has a Current 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.
CBZ has a Current ratio (1.60) which is comparable to the rest of the industry.
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.
CBZ has a Quick ratio of 1.60. This is in the better half of the industry: CBZ outperforms 61.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.6 | ||
| Quick Ratio | 1.6 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 59.02% over the past year.
The Earnings Per Share has been growing by 16.02% on average over the past years. This is quite good.
The Revenue has grown by 46.49% in the past year. This is a very strong growth!
Measured over the past years, CBZ shows a quite strong growth in Revenue. The Revenue has been growing by 13.84% on average per year.
EPS 1Y (TTM)59.02%
EPS 3Y17.64%
EPS 5Y16.02%
EPS Q2Q%90%
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 quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.84% yearly.
Based on estimates for the next years, CBZ will show a very strong growth in Revenue. The Revenue will grow by 20.36% on average per year.
EPS Next Y36.56%
EPS Next 2Y23.47%
EPS Next 3Y19.84%
EPS Next 5YN/A
Revenue Next Year60.21%
Revenue Next 2Y30.02%
Revenue Next 3Y20.36%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.73, CBZ is valued correctly.
77.91% of the companies in the same industry are more expensive than CBZ, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.91. CBZ is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 13.09, 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 72.09% of the companies listed in the same industry.
CBZ is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.73 | ||
| Fwd PE | 13.09 |
4.2 Price Multiples
CBZ's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CBZ is cheaper than 65.12% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CBZ is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 27.38 | ||
| EV/EBITDA | 12.98 |
4.3 Compensation for Growth
The 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 19.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)0.86
EPS Next 2Y23.47%
EPS Next 3Y19.84%
5. Dividend
5.1 Amount
CBZ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
53.29
+0.09 (+0.17%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)
Earnings (Next)
Inst Owners95.18%
Inst Owner Change-0.14%
Ins Owners3.48%
Ins Owner Change0.98%
Market Cap2.88B
Revenue(TTM)2.42B
Net Income(TTM)109.08M
Analysts85.71
Price Target96.9 (81.84%)
Short Float %7.67%
Short Ratio6.3
Dividend
| Industry Rank | Sector 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)4.49%
EPS beat(12)9
Avg EPS beat(12)3.06%
EPS beat(16)12
Avg EPS beat(16)0.6%
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)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)0.93%
Revenue NQ rev (1m)-1.16%
Revenue NQ rev (3m)-2.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.73 | ||
| Fwd PE | 13.09 | ||
| P/S | 1.19 | ||
| P/FCF | 27.38 | ||
| P/OCF | 23.17 | ||
| P/B | 1.52 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.98 |
EPS(TTM)3.88
EY7.28%
EPS(NY)4.07
Fwd EY7.64%
FCF(TTM)1.95
FCFY3.65%
OCF(TTM)2.3
OCFY4.32%
SpS44.84
BVpS35.05
TBVpS-18.68
PEG (NY)0.38
PEG (5Y)0.86
Graham Number55.31
Profitability
| Industry Rank | Sector 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%
ROICexgc growth 3Y-18.93%
ROICexgc 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 Rank | Sector 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 | 1.8 |
F-Score5
WACC7.15%
ROIC/WACC0.66
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)59.02%
EPS 3Y17.64%
EPS 5Y16.02%
EPS Q2Q%90%
EPS Next Y36.56%
EPS Next 2Y23.47%
EPS Next 3Y19.84%
EPS Next 5YN/A
Revenue 1Y (TTM)46.49%
Revenue growth 3Y17.96%
Revenue growth 5Y13.84%
Sales Q2Q%62.73%
Revenue Next Year60.21%
Revenue Next 2Y30.02%
Revenue Next 3Y20.36%
Revenue Next 5YN/A
EBIT growth 1Y61.52%
EBIT growth 3Y5.86%
EBIT growth 5Y8.74%
EBIT Next Year156.31%
EBIT Next 3Y41.05%
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%
CBIZ INC / CBZ FAQ
Can you provide the ChartMill fundamental rating for CBIZ INC?
ChartMill assigns a fundamental rating of 4 / 10 to CBZ.
What is the valuation status for CBZ stock?
ChartMill assigns a valuation rating of 5 / 10 to CBIZ INC (CBZ). This can be considered as Fairly Valued.
What is the profitability of CBZ stock?
CBIZ INC (CBZ) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for CBZ stock?
The Price/Earnings (PE) ratio for CBIZ INC (CBZ) is 13.73 and the Price/Book (PB) ratio is 1.52.