CBIZ INC (CBZ) Stock Fundamental Analysis
NYSE:CBZ - New York Stock Exchange, Inc. - US1248051021 - Common Stock - Currency: USD
Taking everything into account, CBZ scores 5 out of 10 in our fundamental rating. CBZ was compared to 82 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 not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
CBZ had positive earnings in the past year.
CBZ had a positive operating cash flow in the past year.
Each year in the past 5 years CBZ has been profitable.
In the past 5 years CBZ always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of CBZ (1.90%) is comparable to the rest of the industry.
The Return On Equity of CBZ (4.54%) is comparable to the rest of the industry.
CBZ has a Return On Invested Capital (4.10%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CBZ is significantly below the industry average of 12.61%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.9% | ||
| ROE | 4.54% | ||
| ROIC | 4.1% |
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 (4.03%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of CBZ has declined.
With a decent Operating Margin value of 10.37%, CBZ is doing good in the industry, outperforming 76.83% of the companies in the same industry.
In the last couple of years the Operating Margin of CBZ has declined.
The Gross Margin of CBZ (13.80%) is worse than 81.71% of its industry peers.
CBZ's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.37% | ||
| PM (TTM) | 4.03% | ||
| GM | 13.8% |
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.
Compared to 1 year ago, CBZ has more shares outstanding
The number of shares outstanding for CBZ has been reduced compared to 5 years ago.
CBZ has a worse debt/assets ratio than last year.
2.2 Solvency
CBZ has an Altman-Z score of 1.87. 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 1.87, CBZ is doing worse than 60.98% of the companies in the same industry.
CBZ has a debt to FCF ratio of 17.74. This is a negative value and a sign of low solvency as CBZ would need 17.74 years to pay back of all of its debts.
CBZ has a Debt to FCF ratio of 17.74. This is in the lower half of the industry: CBZ underperforms 65.85% of its industry peers.
A Debt/Equity ratio of 0.76 indicates that CBZ is somewhat dependend on debt financing.
The Debt to Equity ratio of CBZ (0.76) is worse than 63.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 17.74 | ||
| Altman-Z | 1.87 |
ROIC/WACC0.52
WACC7.94%
2.3 Liquidity
CBZ has a Current Ratio of 1.52. 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 (1.52) which is comparable to the rest of the industry.
A Quick Ratio of 1.52 indicates that CBZ should not have too much problems paying its short term obligations.
CBZ has a Quick ratio (1.52) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.52 | ||
| Quick Ratio | 1.52 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 34.41% over the past year.
The Earnings Per Share has been growing by 15.05% on average over the past years. This is quite good.
CBZ shows a strong growth in Revenue. In the last year, the Revenue has grown by 32.27%.
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)34.41%
EPS 3Y16%
EPS 5Y15.05%
EPS Q2Q%49.67%
Revenue 1Y (TTM)32.27%
Revenue growth 3Y17.96%
Revenue growth 5Y13.84%
Sales Q2Q%69.54%
3.2 Future
The Earnings Per Share is expected to grow by 26.87% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 30.84% on average over the next years. This is a very strong growth
EPS Next Y41.11%
EPS Next 2Y26.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year61.9%
Revenue Next 2Y30.84%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 20.53, the valuation of CBZ can be described as rather expensive.
The rest of the industry has a similar Price/Earnings ratio as CBZ.
When comparing the Price/Earnings ratio of CBZ to the average of the S&P500 Index (26.55), we can say CBZ is valued slightly cheaper.
The Price/Forward Earnings ratio is 16.54, which indicates a correct valuation of CBZ.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CBZ is on the same level as its industry peers.
CBZ is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.40, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.53 | ||
| Fwd PE | 16.54 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CBZ is on the same level as its industry peers.
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 | 43.02 | ||
| EV/EBITDA | 18.32 |
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)0.5
PEG (5Y)1.36
EPS Next 2Y26.87%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CBZ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:CBZ (6/12/2025, 11:13:46 AM)
68.15
-0.62 (-0.9%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)
Earnings (Next)
Inst Owners91.53%
Inst Owner Change-1.43%
Ins Owners4.04%
Ins Owner Change-0.97%
Market Cap3.71B
Analysts85.71
Price Target96.9 (42.19%)
Short Float %4.15%
Short Ratio4.62
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)12.56%
Min EPS beat(2)7.63%
Max EPS beat(2)17.49%
EPS beat(4)3
Avg EPS beat(4)-2.12%
Min EPS beat(4)-43.49%
Max EPS beat(4)17.49%
EPS beat(8)6
Avg EPS beat(8)-1.43%
EPS beat(12)9
Avg EPS beat(12)2.47%
EPS beat(16)12
Avg EPS beat(16)1.07%
Revenue beat(2)1
Avg Revenue beat(2)4.27%
Min Revenue beat(2)-3.55%
Max Revenue beat(2)12.08%
Revenue beat(4)1
Avg Revenue beat(4)1.3%
Min Revenue beat(4)-3.55%
Max Revenue beat(4)12.08%
Revenue beat(8)4
Avg Revenue beat(8)1.65%
Revenue beat(12)8
Avg Revenue beat(12)3.22%
Revenue beat(16)12
Avg Revenue beat(16)3.91%
PT rev (1m)-3.55%
PT rev (3m)-3.55%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.12%
EPS NY rev (1m)-1.11%
EPS NY rev (3m)16.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)56.96%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.53 | ||
| Fwd PE | 16.54 | ||
| P/S | 1.72 | ||
| P/FCF | 43.02 | ||
| P/OCF | 37.39 | ||
| P/B | 1.94 | ||
| P/tB | N/A | ||
| EV/EBITDA | 18.32 |
EPS(TTM)3.32
EY4.87%
EPS(NY)4.12
Fwd EY6.05%
FCF(TTM)1.58
FCFY2.32%
OCF(TTM)1.82
OCFY2.67%
SpS39.65
BVpS35.2
TBVpS-18.23
PEG (NY)0.5
PEG (5Y)1.36
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.9% | ||
| ROE | 4.54% | ||
| ROCE | 5.7% | ||
| ROIC | 4.1% | ||
| ROICexc | 4.11% | ||
| ROICexgc | 15.92% | ||
| OM | 10.37% | ||
| PM (TTM) | 4.03% | ||
| GM | 13.8% | ||
| FCFM | 3.99% |
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-Score3
Asset Turnover0.47
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 17.74 | ||
| Debt/EBITDA | 5.09 | ||
| Cap/Depr | 20.46% | ||
| Cap/Sales | 0.6% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 34.53% | ||
| Profit Quality | 99.14% | ||
| Current Ratio | 1.52 | ||
| Quick Ratio | 1.52 | ||
| Altman-Z | 1.87 |
F-Score3
WACC7.94%
ROIC/WACC0.52
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)34.41%
EPS 3Y16%
EPS 5Y15.05%
EPS Q2Q%49.67%
EPS Next Y41.11%
EPS Next 2Y26.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)32.27%
Revenue growth 3Y17.96%
Revenue growth 5Y13.84%
Sales Q2Q%69.54%
Revenue Next Year61.9%
Revenue Next 2Y30.84%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y32.52%
EBIT growth 3Y5.86%
EBIT growth 5Y8.74%
EBIT Next Year153.94%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-28.84%
FCF growth 3Y-3.22%
FCF growth 5Y5.61%
OCF growth 1Y-25.18%
OCF growth 3Y-1.95%
OCF growth 5Y4.72%