CBIZ INC (CBZ) Stock Fundamental Analysis
USA - NYSE:CBZ - US1248051021 - Common Stock
56.79 USD
-0.01 (-0.02%)
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 showing excellent growth while it is valued at reasonable prices. 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
With a Return On Assets value of 2.40%, CBZ perfoms like the industry average, outperforming 48.78% of the companies in the same industry.
Looking at the Return On Equity, with a value of 5.77%, CBZ is in line with its industry, outperforming 50.00% of the companies in the same industry.
CBZ has a Return On Invested Capital (4.75%) which is in line with its industry peers.
CBZ had an Average Return On Invested Capital over the past 3 years of 6.53%. This is significantly below the industry average of 12.76%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 5.77% | ||
| ROIC | 4.75% |
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 (4.51%) which is in line with its industry peers.
CBZ's Profit Margin has declined in the last couple of years.
The Operating Margin of CBZ (10.75%) is better than 73.17% of its industry peers.
CBZ's Operating Margin has declined in the last couple of years.
CBZ has a worse Gross Margin (13.70%) than 81.71% of its industry peers.
In the last couple of years the Gross Margin of CBZ has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.75% | ||
| PM (TTM) | 4.51% | ||
| GM | 13.7% |
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.
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 1.84. 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 67.07% of its industry peers.
The Debt to FCF ratio of CBZ is 14.94, which is on the high side as it means it would take CBZ, 14.94 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of CBZ (14.94) is worse than 64.63% of its industry peers.
CBZ has a Debt/Equity ratio of 0.79. This is a neutral value indicating CBZ is somewhat dependend on debt financing.
The Debt to Equity ratio of CBZ (0.79) is worse than 62.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 14.94 | ||
| Altman-Z | 1.84 |
ROIC/WACC0.66
WACC7.24%
2.3 Liquidity
A Current Ratio of 1.60 indicates that CBZ should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.60, CBZ is in the better half of the industry, outperforming 60.98% of the companies in the same industry.
CBZ has a Quick Ratio of 1.60. 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 1.60 is fine compared to the rest of the industry. CBZ outperforms 63.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.6 | ||
| Quick Ratio | 1.6 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 59.02% over the past year.
Measured over the past years, CBZ shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.02% on average per year.
The Revenue has grown by 46.49% 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)59.02%
EPS 3Y17.64%
EPS 5Y16.02%
EPS Q2Q%90%
Revenue 1Y (TTM)46.49%
Revenue growth 3Y17.96%
Revenue growth 5Y13.84%
Sales Q2Q%62.73%
3.2 Future
CBZ is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.23% yearly.
Based on estimates for the next years, CBZ will show a very strong growth in Revenue. The Revenue will grow by 20.36% on average per year.
EPS Next Y36.68%
EPS Next 2Y24.23%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year60.21%
Revenue Next 2Y30.02%
Revenue Next 3Y20.36%
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
Based on the Price/Earnings ratio of 14.64, the valuation of CBZ can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of CBZ indicates a somewhat cheap valuation: CBZ is cheaper than 75.61% of the companies listed in the same industry.
CBZ is valuated rather cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 13.78, which indicates a correct valuation of CBZ.
Based on the Price/Forward Earnings ratio, CBZ is valued a bit cheaper than the industry average as 73.17% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of CBZ to the average of the S&P500 Index (22.70), we can say CBZ is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.64 | ||
| Fwd PE | 13.78 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CBZ indicates a somewhat cheap valuation: CBZ is cheaper than 65.85% of the companies listed in the same industry.
CBZ's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.18 | ||
| EV/EBITDA | 13.55 |
4.3 Compensation for Growth
The 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 24.23% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)0.91
EPS Next 2Y24.23%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CBZ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:CBZ (9/18/2025, 1:37:55 PM)
56.79
-0.01 (-0.02%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)
Earnings (Next)
Inst Owners85.12%
Inst Owner Change6.66%
Ins Owners3.47%
Ins Owner Change2.75%
Market Cap3.07B
Analysts85.71
Price Target96.9 (70.63%)
Short Float %7.35%
Short Ratio5.66
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)9.58%
Min EPS beat(2)7.63%
Max EPS beat(2)11.53%
EPS beat(4)4
Avg EPS beat(4)11.64%
Min EPS beat(4)7.63%
Max EPS beat(4)17.49%
EPS beat(8)7
Avg EPS beat(8)4.49%
EPS beat(12)9
Avg EPS beat(12)3.06%
EPS beat(16)12
Avg EPS beat(16)0.6%
Revenue beat(2)0
Avg Revenue beat(2)-3.54%
Min Revenue beat(2)-3.55%
Max Revenue beat(2)-3.52%
Revenue beat(4)1
Avg Revenue beat(4)0.85%
Min Revenue beat(4)-3.55%
Max Revenue beat(4)12.08%
Revenue beat(8)3
Avg Revenue beat(8)1.14%
Revenue beat(12)7
Avg Revenue beat(12)2.19%
Revenue beat(16)11
Avg Revenue beat(16)3.24%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-1.82%
EPS NQ rev (3m)0%
EPS NY rev (1m)1.02%
EPS NY rev (3m)1.02%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)-1.28%
Revenue NY rev (1m)-1.04%
Revenue NY rev (3m)-1.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.64 | ||
| Fwd PE | 13.78 | ||
| P/S | 1.27 | ||
| P/FCF | 29.18 | ||
| P/OCF | 24.7 | ||
| P/B | 1.62 | ||
| P/tB | N/A | ||
| EV/EBITDA | 13.55 |
EPS(TTM)3.88
EY6.83%
EPS(NY)4.12
Fwd EY7.26%
FCF(TTM)1.95
FCFY3.43%
OCF(TTM)2.3
OCFY4.05%
SpS44.84
BVpS35.05
TBVpS-18.68
PEG (NY)0.4
PEG (5Y)0.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 5.77% | ||
| ROCE | 6.61% | ||
| ROIC | 4.75% | ||
| ROICexc | 4.8% | ||
| ROICexgc | 18.78% | ||
| OM | 10.75% | ||
| PM (TTM) | 4.51% | ||
| GM | 13.7% | ||
| FCFM | 4.34% |
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-Score5
Asset Turnover0.53
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 14.94 | ||
| Debt/EBITDA | 4.43 | ||
| Cap/Depr | 24.16% | ||
| Cap/Sales | 0.79% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 36.6% | ||
| Profit Quality | 96.32% | ||
| Current Ratio | 1.6 | ||
| Quick Ratio | 1.6 | ||
| Altman-Z | 1.84 |
F-Score5
WACC7.24%
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)59.02%
EPS 3Y17.64%
EPS 5Y16.02%
EPS Q2Q%90%
EPS Next Y36.68%
EPS Next 2Y24.23%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)46.49%
Revenue growth 3Y17.96%
Revenue growth 5Y13.84%
Sales Q2Q%62.73%
Revenue Next Year60.21%
Revenue Next 2Y30.02%
Revenue Next 3Y20.36%
Revenue Next 5YN/A
EBIT growth 1Y61.52%
EBIT growth 3Y5.86%
EBIT growth 5Y8.74%
EBIT Next Year155.93%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-5.03%
FCF growth 3Y-3.22%
FCF growth 5Y5.61%
OCF growth 1Y-2.53%
OCF growth 3Y-1.95%
OCF growth 5Y4.72%