CBIZ INC (CBZ) Fundamental Analysis & Valuation
NYSE:CBZ • US1248051021
Current stock price
29.09 USD
+0.27 (+0.94%)
At close:
29.09 USD
0 (0%)
After Hours:
This CBZ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. CBZ Profitability Analysis
1.1 Basic Checks
- In the past year CBZ was profitable.
- In the past year CBZ had a positive cash flow from operations.
- Each year in the past 5 years CBZ has been profitable.
- CBZ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- CBZ's Return On Assets of 2.62% is in line compared to the rest of the industry. CBZ outperforms 48.84% of its industry peers.
- CBZ's Return On Equity of 6.55% is in line compared to the rest of the industry. CBZ outperforms 50.00% of its industry peers.
- CBZ has a Return On Invested Capital (5.82%) which is in line with its industry peers.
- CBZ had an Average Return On Invested Capital over the past 3 years of 5.33%. This is significantly below the industry average of 13.03%.
- The last Return On Invested Capital (5.82%) for CBZ is above the 3 year average (5.33%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.62% | ||
| ROE | 6.55% | ||
| ROIC | 5.82% |
ROA(3y)3.15%
ROA(5y)3.88%
ROE(3y)8.05%
ROE(5y)9.79%
ROIC(3y)5.33%
ROIC(5y)6.27%
1.3 Margins
- Looking at the Profit Margin, with a value of 4.19%, CBZ is in line with its industry, outperforming 56.98% of the companies in the same industry.
- In the last couple of years the Profit Margin of CBZ has declined.
- Looking at the Operating Margin, with a value of 10.85%, CBZ is in the better half of the industry, outperforming 69.77% of the companies in the same industry.
- CBZ's Operating Margin has improved in the last couple of years.
- With a Gross Margin value of 12.89%, 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 | 10.85% | ||
| PM (TTM) | 4.19% | ||
| GM | 12.89% |
OM growth 3Y-4.91%
OM growth 5Y2.42%
PM growth 3Y-17.54%
PM growth 5Y-12.42%
GM growth 3Y-7.86%
GM growth 5Y-2.15%
2. CBZ Health Analysis
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.
- The number of shares outstanding for CBZ has been increased compared to 1 year ago.
- The number of shares outstanding for CBZ has been increased compared to 5 years ago.
- CBZ has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.58, we must say that CBZ is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 1.58, CBZ is doing worse than 61.63% of the companies in the same industry.
- The Debt to FCF ratio of CBZ is 8.37, which is on the high side as it means it would take CBZ, 8.37 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 8.37, CBZ is in line with its industry, outperforming 41.86% of the companies in the same industry.
- CBZ has a Debt/Equity ratio of 0.80. This is a neutral value indicating CBZ is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.80, CBZ is doing worse than 68.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 8.37 | ||
| Altman-Z | 1.58 |
ROIC/WACC0.75
WACC7.72%
2.3 Liquidity
- CBZ has a Current Ratio of 1.22. 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 Current ratio value of 1.22, CBZ is not doing good in the industry: 62.79% of the companies in the same industry are doing better.
- CBZ has a Quick Ratio of 1.22. 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 1.22. This is in the lower half of the industry: CBZ underperforms 62.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.22 | ||
| Quick Ratio | 1.22 |
3. CBZ Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 32.46% over the past year.
- CBZ shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.28% yearly.
- The Revenue has grown by 52.08% in the past year. This is a very strong growth!
- Measured over the past years, CBZ shows a very strong growth in Revenue. The Revenue has been growing by 23.40% on average per year.
EPS 1Y (TTM)32.46%
EPS 3Y21.08%
EPS 5Y20.28%
EPS Q2Q%-250%
Revenue 1Y (TTM)52.08%
Revenue growth 3Y25%
Revenue growth 5Y23.4%
Sales Q2Q%17.9%
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 14.74% yearly.
- The Revenue is expected to grow by 2.46% on average over the next years.
EPS Next Y7.33%
EPS Next 2Y11.22%
EPS Next 3Y13.17%
EPS Next 5Y14.74%
Revenue Next Year1.6%
Revenue Next 2Y2.85%
Revenue Next 3Y2.86%
Revenue Next 5Y2.46%
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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 decreasing.
4. CBZ Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 8.19, the valuation of CBZ can be described as reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of CBZ indicates a rather cheap valuation: CBZ is cheaper than 89.53% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.33. CBZ is valued rather cheaply when compared to this.
- CBZ is valuated cheaply with a Price/Forward Earnings ratio of 7.63.
- Based on the Price/Forward Earnings ratio, CBZ is valued cheaper than 91.86% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 38.16, CBZ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.19 | ||
| Fwd PE | 7.63 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CBZ is valued cheaply inside the industry as 82.56% of the companies are valued more expensively.
- 81.40% of the companies in the same industry are more expensive than CBZ, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.08 | ||
| EV/EBITDA | 7.66 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- CBZ's earnings are expected to grow with 13.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.12
PEG (5Y)0.4
EPS Next 2Y11.22%
EPS Next 3Y13.17%
5. CBZ Dividend Analysis
5.1 Amount
- CBZ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
CBZ Fundamentals: All Metrics, Ratios and Statistics
29.09
+0.27 (+0.94%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-25 2026-02-25/amc
Earnings (Next)04-23 2026-04-23
Inst Owners99.12%
Inst Owner Change0.02%
Ins Owners3.83%
Ins Owner Change10.64%
Market Cap1.59B
Revenue(TTM)2.76B
Net Income(TTM)115.44M
Analysts80
Price Target45.22 (55.45%)
Short Float %8.79%
Short Ratio3.3
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)1
Avg EPS beat(2)3.26%
Min EPS beat(2)-5.01%
Max EPS beat(2)11.52%
EPS beat(4)3
Avg EPS beat(4)6.42%
Min EPS beat(4)-5.01%
Max EPS beat(4)11.53%
EPS beat(8)6
Avg EPS beat(8)3.37%
EPS beat(12)9
Avg EPS beat(12)3.8%
EPS beat(16)12
Avg EPS beat(16)5.35%
Revenue beat(2)0
Avg Revenue beat(2)-5.09%
Min Revenue beat(2)-7.05%
Max Revenue beat(2)-3.14%
Revenue beat(4)0
Avg Revenue beat(4)-4.31%
Min Revenue beat(4)-7.05%
Max Revenue beat(4)-3.14%
Revenue beat(8)1
Avg Revenue beat(8)-1.1%
Revenue beat(12)5
Avg Revenue beat(12)0.29%
Revenue beat(16)9
Avg Revenue beat(16)1.9%
PT rev (1m)-34.32%
PT rev (3m)-51.55%
EPS NQ rev (1m)-1.43%
EPS NQ rev (3m)-3.95%
EPS NY rev (1m)0.07%
EPS NY rev (3m)-6%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-0.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.19 | ||
| Fwd PE | 7.63 | ||
| P/S | 0.58 | ||
| P/FCF | 9.08 | ||
| P/OCF | 8.28 | ||
| P/B | 0.9 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.66 |
EPS(TTM)3.55
EY12.2%
EPS(NY)3.81
Fwd EY13.1%
FCF(TTM)3.2
FCFY11.01%
OCF(TTM)3.51
OCFY12.07%
SpS50.32
BVpS32.15
TBVpS-20.21
PEG (NY)1.12
PEG (5Y)0.4
Graham Number50.6742 (74.2%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.62% | ||
| ROE | 6.55% | ||
| ROCE | 8.15% | ||
| ROIC | 5.82% | ||
| ROICexc | 5.84% | ||
| ROICexgc | 27.19% | ||
| OM | 10.85% | ||
| PM (TTM) | 4.19% | ||
| GM | 12.89% | ||
| FCFM | 6.36% |
ROA(3y)3.15%
ROA(5y)3.88%
ROE(3y)8.05%
ROE(5y)9.79%
ROIC(3y)5.33%
ROIC(5y)6.27%
ROICexc(3y)5.35%
ROICexc(5y)6.3%
ROICexgc(3y)20.44%
ROICexgc(5y)22.51%
ROCE(3y)7.46%
ROCE(5y)8.79%
ROICexgc growth 3Y-4.28%
ROICexgc growth 5Y8.95%
ROICexc growth 3Y-14.46%
ROICexc growth 5Y-0.05%
OM growth 3Y-4.91%
OM growth 5Y2.42%
PM growth 3Y-17.54%
PM growth 5Y-12.42%
GM growth 3Y-7.86%
GM growth 5Y-2.15%
F-Score8
Asset Turnover0.63
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 8.37 | ||
| Debt/EBITDA | 3.53 | ||
| Cap/Depr | 17.26% | ||
| Cap/Sales | 0.61% | ||
| Interest Coverage | 2.84 | ||
| Cash Conversion | 48.41% | ||
| Profit Quality | 152.04% | ||
| Current Ratio | 1.22 | ||
| Quick Ratio | 1.22 | ||
| Altman-Z | 1.58 |
F-Score8
WACC7.72%
ROIC/WACC0.75
Cap/Depr(3y)35.9%
Cap/Depr(5y)33.41%
Cap/Sales(3y)0.93%
Cap/Sales(5y)0.84%
Profit Quality(3y)176.61%
Profit Quality(5y)162.73%
High Growth Momentum
Growth
EPS 1Y (TTM)32.46%
EPS 3Y21.08%
EPS 5Y20.28%
EPS Q2Q%-250%
EPS Next Y7.33%
EPS Next 2Y11.22%
EPS Next 3Y13.17%
EPS Next 5Y14.74%
Revenue 1Y (TTM)52.08%
Revenue growth 3Y25%
Revenue growth 5Y23.4%
Sales Q2Q%17.9%
Revenue Next Year1.6%
Revenue Next 2Y2.85%
Revenue Next 3Y2.86%
Revenue Next 5Y2.46%
EBIT growth 1Y158.66%
EBIT growth 3Y18.87%
EBIT growth 5Y26.39%
EBIT Next Year47.16%
EBIT Next 3Y17.4%
EBIT Next 5Y11.09%
FCF growth 1Y58.45%
FCF growth 3Y14.31%
FCF growth 5Y5.36%
OCF growth 1Y55.62%
OCF growth 3Y15.14%
OCF growth 5Y5.57%
CBIZ INC / CBZ Fundamental Analysis 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 8 / 10 to CBIZ INC (CBZ). This can be considered as Undervalued.
How profitable is CBIZ INC (CBZ) stock?
CBIZ INC (CBZ) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for CBZ stock?
The Price/Earnings (PE) ratio for CBIZ INC (CBZ) is 8.19 and the Price/Book (PB) ratio is 0.9.