CBIZ INC (CBZ) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:CBZ • US1248051021
38.27 USD
+0.06 (+0.16%)
At close: Feb 6, 2026
38.27 USD
0 (0%)
After Hours: 2/6/2026, 8:21:47 PM
Overall CBZ gets a fundamental rating of 5 out of 10. We evaluated CBZ against 89 industry peers in the Professional Services industry. There are concerns on the financial health of CBZ while its profitability can be described as average. An interesting combination arises when we look at growth and value: CBZ is growing strongly while it also seems undervalued.
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.
1.2 Ratios
- Looking at the Return On Assets, with a value of 2.29%, CBZ is in line with its industry, outperforming 51.69% of the companies in the same industry.
- CBZ has a Return On Equity (5.56%) which is in line with its industry peers.
- With a Return On Invested Capital value of 4.91%, CBZ perfoms like the industry average, outperforming 49.44% 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 12.01%.
| 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
- CBZ's Profit Margin of 3.89% is in line compared to the rest of the industry. CBZ outperforms 57.30% of its industry peers.
- In the last couple of years the Profit Margin of CBZ has declined.
- With a decent Operating Margin value of 9.96%, CBZ is doing good in the industry, outperforming 70.79% of the companies in the same industry.
- CBZ's Operating Margin has declined in the last couple of years.
- The Gross Margin of CBZ (13.02%) is worse than 79.78% 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
- 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.
- 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
- Based on the Altman-Z score of 1.68, we must say that CBZ is in the distress zone and has some risk of bankruptcy.
- CBZ has a Altman-Z score of 1.68. This is in the lower half of the industry: CBZ underperforms 60.67% of its industry peers.
- The Debt to FCF ratio of CBZ is 18.23, which is on the high side as it means it would take CBZ, 18.23 years of fcf income to pay off all of its debts.
- CBZ has a Debt to FCF ratio of 18.23. This is comparable to the rest of the industry: CBZ outperforms 42.70% of its industry peers.
- A Debt/Equity ratio of 0.80 indicates that CBZ is somewhat dependend on debt financing.
- CBZ has a Debt to Equity ratio of 0.80. This is in the lower half of the industry: CBZ underperforms 61.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 18.23 | ||
| Altman-Z | 1.68 |
ROIC/WACC0.71
WACC6.94%
2.3 Liquidity
- CBZ has a Current Ratio of 1.57. 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 of 1.57. This is comparable to the rest of the industry: CBZ outperforms 55.06% of its industry peers.
- A Quick Ratio of 1.57 indicates that CBZ should not have too much problems paying its short term obligations.
- With a Quick ratio value of 1.57, CBZ perfoms like the industry average, outperforming 56.18% of the companies in the same industry.
| 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.
- The Revenue has grown by 59.19% 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)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 quite strong growth in Earnings Per Share. The EPS will grow by 17.55% on average per year.
- The Revenue is expected to grow by 19.81% on average over the next years. This is quite good.
EPS Next Y36.05%
EPS Next 2Y20.4%
EPS Next 3Y17.55%
EPS Next 5YN/A
Revenue Next Year58.75%
Revenue Next 2Y28.43%
Revenue Next 3Y19.81%
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 stable.
- 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
- CBZ is valuated reasonably with a Price/Earnings ratio of 9.45.
- 87.64% of the companies in the same industry are more expensive than CBZ, based on the Price/Earnings ratio.
- CBZ's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.93.
- CBZ is valuated reasonably with a Price/Forward Earnings ratio of 9.85.
- 85.39% of the companies in the same industry are more expensive than CBZ, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.77, CBZ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.45 | ||
| Fwd PE | 9.85 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CBZ is valued a bit cheaper than the industry average as 77.53% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, CBZ is valued a bit cheaper than the industry average as 60.67% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.19 | ||
| EV/EBITDA | 10.09 |
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 17.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.26
PEG (5Y)0.59
EPS Next 2Y20.4%
EPS Next 3Y17.55%
5. Dividend
5.1 Amount
- No dividends for CBZ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
38.27
+0.06 (+0.16%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)02-12 2026-02-12/bmo
Inst Owners94.18%
Inst Owner Change-0.15%
Ins Owners3.46%
Ins Owner Change0.1%
Market Cap2.08B
Revenue(TTM)2.68B
Net Income(TTM)104.14M
Analysts85.71
Price Target68.85 (79.91%)
Short Float %9.97%
Short Ratio6.77
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)-26.23%
PT rev (3m)-28.95%
EPS NQ rev (1m)-10%
EPS NQ rev (3m)-10%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)-0.11%
Revenue NQ rev (3m)-0.11%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)-0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.45 | ||
| Fwd PE | 9.85 | ||
| P/S | 0.78 | ||
| P/FCF | 24.19 | ||
| P/OCF | 19.95 | ||
| P/B | 1.11 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.09 |
EPS(TTM)4.05
EY10.58%
EPS(NY)3.89
Fwd EY10.15%
FCF(TTM)1.58
FCFY4.13%
OCF(TTM)1.92
OCFY5.01%
SpS49.18
BVpS34.41
TBVpS-18.64
PEG (NY)0.26
PEG (5Y)0.59
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 | 1.68 |
F-Score5
WACC6.94%
ROIC/WACC0.71
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 Y36.05%
EPS Next 2Y20.4%
EPS Next 3Y17.55%
EPS Next 5YN/A
Revenue 1Y (TTM)59.19%
Revenue growth 3Y17.96%
Revenue growth 5Y13.84%
Sales Q2Q%58.09%
Revenue Next Year58.75%
Revenue Next 2Y28.43%
Revenue Next 3Y19.81%
Revenue Next 5YN/A
EBIT growth 1Y63.25%
EBIT growth 3Y5.86%
EBIT growth 5Y8.74%
EBIT Next Year155.85%
EBIT Next 3Y40.58%
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 7 / 10 to CBIZ INC (CBZ). This can be considered as Undervalued.
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 9.45 and the Price/Book (PB) ratio is 1.11.
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 36.05% in the next year.