CBIZ INC (CBZ) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CBZ - US1248051021 - Common Stock
51.51 USD
+0.36 (+0.7%)
51.51 USD
0 (0%)
Overall CBZ gets a fundamental rating of 5 out of 10. We evaluated CBZ against 87 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 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.
- 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 50.57% of the companies in the same industry.
- CBZ has a Return On Equity (5.56%) which is comparable to the rest of the industry.
- With a Return On Invested Capital value of 4.91%, CBZ perfoms like the industry average, outperforming 48.28% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years 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
- With a Profit Margin value of 3.89%, CBZ perfoms like the industry average, outperforming 56.32% of the companies in the same industry.
- CBZ's Profit Margin has declined in the last couple of years.
- The Operating Margin of CBZ (9.96%) is better than 70.11% of its industry peers.
- CBZ's Operating Margin has declined in the last couple of years.
- With a Gross Margin value of 13.02%, CBZ is not doing good in the industry: 80.46% of the companies in the same industry are doing better.
- 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.
- Compared to 1 year ago, CBZ has more shares outstanding
- CBZ has less shares outstanding than it did 5 years ago.
- CBZ has a worse debt/assets ratio than last year.
2.2 Solvency
- CBZ has an Altman-Z score of 1.84. 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.
- The Altman-Z score of CBZ (1.84) is worse than 60.92% 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.
- Looking at the Debt to FCF ratio, with a value of 18.23, CBZ is in line with its industry, outperforming 41.38% 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.
- With a Debt to Equity ratio value of 0.80, CBZ is not doing good in the industry: 60.92% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 18.23 | ||
| Altman-Z | 1.84 |
ROIC/WACC0.66
WACC7.43%
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 (1.57) which is in line with its industry peers.
- CBZ has a Quick 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's Quick ratio of 1.57 is in line compared to the rest of the industry. CBZ outperforms 56.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.57 | ||
| Quick Ratio | 1.57 |
3. Growth
3.1 Past
- CBZ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 54.58%, which is quite impressive.
- The Earnings Per Share has been growing by 16.11% on average over the past years. This is quite good.
- Looking at the last year, CBZ shows a very strong growth in Revenue. 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
- The Earnings Per Share is expected to grow by 21.42% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 20.37% 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 Year58.86%
Revenue Next 2Y29.85%
Revenue Next 3Y20.37%
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
- CBZ is valuated correctly with a Price/Earnings ratio of 12.72.
- Compared to the rest of the industry, the Price/Earnings ratio of CBZ indicates a rather cheap valuation: CBZ is cheaper than 82.76% of the companies listed in the same industry.
- CBZ is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
- CBZ is valuated correctly with a Price/Forward Earnings ratio of 12.71.
- CBZ's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CBZ is cheaper than 79.31% of the companies in the same industry.
- CBZ's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.72 | ||
| Fwd PE | 12.71 |
4.2 Price Multiples
- CBZ's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CBZ is cheaper than 70.11% of the companies in the same industry.
- The rest of the industry has a similar Price/Free Cash Flow ratio as CBZ.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 32.56 | ||
| EV/EBITDA | 12.03 |
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 21.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)0.79
EPS Next 2Y22.98%
EPS Next 3Y21.42%
5. Dividend
5.1 Amount
- CBZ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
51.51
+0.36 (+0.7%)
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 Cap2.80B
Revenue(TTM)2.68B
Net Income(TTM)104.14M
Analysts85.71
Price Target93.33 (81.19%)
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)0%
EPS NQ rev (3m)-16.13%
EPS NY rev (1m)0%
EPS NY rev (3m)0.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.72 | ||
| Fwd PE | 12.71 | ||
| P/S | 1.05 | ||
| P/FCF | 32.56 | ||
| P/OCF | 26.85 | ||
| P/B | 1.5 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.03 |
EPS(TTM)4.05
EY7.86%
EPS(NY)4.05
Fwd EY7.87%
FCF(TTM)1.58
FCFY3.07%
OCF(TTM)1.92
OCFY3.72%
SpS49.18
BVpS34.41
TBVpS-18.64
PEG (NY)0.35
PEG (5Y)0.79
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 | 1.84 |
F-Score5
WACC7.43%
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)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 Year58.86%
Revenue Next 2Y29.85%
Revenue Next 3Y20.37%
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 12.72 and the Price/Book (PB) ratio is 1.5.
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.