CBIZ INC (CBZ) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CBZ - US1248051021 - Common Stock
50.79 USD
-0.72 (-1.4%)
50.8 USD
+0.01 (+0.02%)
Overall CBZ gets a fundamental rating of 5 out of 10. We evaluated CBZ against 88 industry peers in the Professional Services industry. CBZ has a medium profitability rating, but doesn't score so well on its financial health evaluation. CBZ is growing strongly while it is still valued neutral. This is a good combination!
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.
- CBZ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of CBZ (2.29%) is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 5.56%, CBZ is in line with its industry, outperforming 48.86% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 4.91%, CBZ is in line with its industry, outperforming 48.86% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for CBZ is significantly below the industry average of 11.85%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.29% | ||
| ROE | 5.56% | ||
| ROIC | 4.91% |
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
- Looking at the Profit Margin, with a value of 3.89%, CBZ is in line with its industry, outperforming 56.82% of the companies in the same industry.
- In the last couple of years the Profit Margin of CBZ has declined.
- CBZ has a Operating Margin of 9.96%. This is in the better half of the industry: CBZ outperforms 70.45% of its industry peers.
- CBZ's Operating Margin has declined in the last couple of years.
- CBZ has a worse Gross Margin (13.02%) than 79.55% of its industry peers.
- CBZ's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 9.96% | ||
| PM (TTM) | 3.89% | ||
| GM | 13.02% |
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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CBZ 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.
2.2 Solvency
- CBZ has an Altman-Z score of 1.83. This is not the best score and indicates that CBZ is in the grey zone with still only limited risk for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 1.83, CBZ is doing worse than 60.23% of the companies in the same industry.
- CBZ has a debt to FCF ratio of 18.23. This is a negative value and a sign of low solvency as CBZ would need 18.23 years to pay back of all of its debts.
- CBZ's Debt to FCF ratio of 18.23 is in line compared to the rest of the industry. CBZ outperforms 42.05% of its industry peers.
- CBZ has a Debt/Equity ratio of 0.80. This is a neutral value indicating CBZ is somewhat dependend on debt financing.
- The Debt to Equity ratio of CBZ (0.80) is worse than 60.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 18.23 | ||
| Altman-Z | 1.83 |
ROIC/WACC0.65
WACC7.5%
2.3 Liquidity
- A Current Ratio of 1.57 indicates that CBZ should not have too much problems paying its short term obligations.
- With a Current ratio value of 1.57, CBZ perfoms like the industry average, outperforming 55.68% of the companies in the same industry.
- A Quick Ratio of 1.57 indicates that CBZ should not have too much problems paying its short term obligations.
- CBZ's Quick ratio of 1.57 is in line compared to the rest of the industry. CBZ outperforms 56.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.57 | ||
| Quick Ratio | 1.57 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 54.58% over the past year.
- CBZ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.11% yearly.
- CBZ shows a strong growth in Revenue. In the last year, the Revenue has grown by 59.19%.
- CBZ shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.84% yearly.
EPS 1Y (TTM)54.58%
EPS 3Y17.79%
EPS 5Y16.11%
EPS Q2Q%20.24%
Revenue 1Y (TTM)59.19%
Revenue growth 3Y17.96%
Revenue growth 5Y13.84%
Sales Q2Q%58.09%
3.2 Future
- Based on estimates for the next years, CBZ will show a very strong growth in Earnings Per Share. The EPS will grow by 21.42% on average per year.
- The Revenue is expected to grow by 21.34% on average over the next years. This is a very strong growth
EPS Next Y36.17%
EPS Next 2Y22.98%
EPS Next 3Y21.42%
EPS Next 5YN/A
Revenue Next Year58.81%
Revenue Next 2Y29.85%
Revenue Next 3Y21.34%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 12.54 indicates a correct valuation of CBZ.
- Compared to the rest of the industry, the Price/Earnings ratio of CBZ indicates a rather cheap valuation: CBZ is cheaper than 82.95% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, CBZ is valued rather cheaply.
- The Price/Forward Earnings ratio is 12.53, 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 78.41% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.26. CBZ is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.54 | ||
| Fwd PE | 12.53 |
4.2 Price Multiples
- CBZ's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CBZ is cheaper than 71.59% 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 | 32.1 | ||
| EV/EBITDA | 11.98 |
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.
- A more expensive valuation may be justified as CBZ's earnings are expected to grow with 21.42% in the coming years.
PEG (NY)0.35
PEG (5Y)0.78
EPS Next 2Y22.98%
EPS Next 3Y21.42%
5. Dividend
5.1 Amount
- No dividends for CBZ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
50.79
-0.72 (-1.4%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)02-24 2026-02-24/bmo
Inst Owners94.18%
Inst Owner Change1.47%
Ins Owners3.46%
Ins Owner Change0.18%
Market Cap2.76B
Revenue(TTM)2.68B
Net Income(TTM)104.14M
Analysts85.71
Price Target93.33 (83.76%)
Short Float %10.02%
Short Ratio7.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)11.53%
Min EPS beat(2)11.52%
Max EPS beat(2)11.53%
EPS beat(4)4
Avg EPS beat(4)12.04%
Min EPS beat(4)7.63%
Max EPS beat(4)17.49%
EPS beat(8)7
Avg EPS beat(8)5.2%
EPS beat(12)9
Avg EPS beat(12)3.65%
EPS beat(16)12
Avg EPS beat(16)-0.46%
Revenue beat(2)0
Avg Revenue beat(2)-3.33%
Min Revenue beat(2)-3.52%
Max Revenue beat(2)-3.14%
Revenue beat(4)1
Avg Revenue beat(4)0.47%
Min Revenue beat(4)-3.55%
Max Revenue beat(4)12.08%
Revenue beat(8)2
Avg Revenue beat(8)0.4%
Revenue beat(12)6
Avg Revenue beat(12)1.19%
Revenue beat(16)10
Avg Revenue beat(16)2.55%
PT rev (1m)0%
PT rev (3m)-3.68%
EPS NQ rev (1m)-3.89%
EPS NQ rev (3m)-20.64%
EPS NY rev (1m)0%
EPS NY rev (3m)0.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.16%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.54 | ||
| Fwd PE | 12.53 | ||
| P/S | 1.03 | ||
| P/FCF | 32.1 | ||
| P/OCF | 26.47 | ||
| P/B | 1.48 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.98 |
EPS(TTM)4.05
EY7.97%
EPS(NY)4.05
Fwd EY7.98%
FCF(TTM)1.58
FCFY3.12%
OCF(TTM)1.92
OCFY3.78%
SpS49.18
BVpS34.41
TBVpS-18.64
PEG (NY)0.35
PEG (5Y)0.78
Graham Number56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.29% | ||
| ROE | 5.56% | ||
| ROCE | 6.83% | ||
| ROIC | 4.91% | ||
| ROICexc | 4.93% | ||
| ROICexgc | 19.14% | ||
| OM | 9.96% | ||
| PM (TTM) | 3.89% | ||
| GM | 13.02% | ||
| FCFM | 3.22% |
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 Turnover0.59
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 18.23 | ||
| Debt/EBITDA | 4.17 | ||
| Cap/Depr | 19.51% | ||
| Cap/Sales | 0.68% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 28.97% | ||
| Profit Quality | 82.65% | ||
| Current Ratio | 1.57 | ||
| Quick Ratio | 1.57 | ||
| Altman-Z | 1.83 |
F-Score5
WACC7.5%
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)54.58%
EPS 3Y17.79%
EPS 5Y16.11%
EPS Q2Q%20.24%
EPS Next Y36.17%
EPS Next 2Y22.98%
EPS Next 3Y21.42%
EPS Next 5YN/A
Revenue 1Y (TTM)59.19%
Revenue growth 3Y17.96%
Revenue growth 5Y13.84%
Sales Q2Q%58.09%
Revenue Next Year58.81%
Revenue Next 2Y29.85%
Revenue Next 3Y21.34%
Revenue Next 5YN/A
EBIT growth 1Y63.25%
EBIT growth 3Y5.86%
EBIT growth 5Y8.74%
EBIT Next Year155.68%
EBIT Next 3Y41.71%
EBIT Next 5YN/A
FCF growth 1Y-15.35%
FCF growth 3Y-3.22%
FCF growth 5Y5.61%
OCF growth 1Y-15.37%
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 5 / 10 to CBZ.
What is the valuation status of CBIZ INC (CBZ) stock?
ChartMill assigns a valuation rating of 6 / 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.
What are the PE and PB ratios of CBIZ INC (CBZ) stock?
The Price/Earnings (PE) ratio for CBIZ INC (CBZ) is 12.54 and the Price/Book (PB) ratio is 1.48.
What is the expected EPS growth for CBIZ INC (CBZ) stock?
The Earnings per Share (EPS) of CBIZ INC (CBZ) is expected to grow by 36.17% in the next year.