CBIZ INC (CBZ) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:CBZ • US1248051021
38.73 USD
+0.16 (+0.41%)
Last: Jan 30, 2026, 09:39 AM
We assign a fundamental rating of 5 out of 10 to CBZ. CBZ was compared to 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. 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.
- CBZ had a positive operating cash flow in the past year.
- 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
- The Return On Assets of CBZ (2.29%) is comparable to the rest of the industry.
- CBZ has a Return On Equity (5.56%) which is in line with its industry peers.
- CBZ's Return On Invested Capital of 4.91% is in line compared to the rest of the industry. CBZ outperforms 48.28% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for CBZ is significantly below the industry average of 11.83%.
| 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.
- CBZ has a better Operating Margin (9.96%) than 70.11% of its industry peers.
- In the last couple of years the Operating Margin of CBZ has declined.
- The Gross Margin of CBZ (13.02%) is worse than 79.31% 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
- 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
- Compared to 5 years ago, CBZ has less shares outstanding
- The debt/assets ratio for CBZ is higher compared to a year ago.
2.2 Solvency
- CBZ has an Altman-Z score of 1.69. This is a bad value and indicates that CBZ is not financially healthy and even has some risk of bankruptcy.
- CBZ has a worse Altman-Z score (1.69) than 63.22% of its industry peers.
- CBZ has a debt to FCF ratio of 18.23. This is a negative value and a sign of low solvency as CBZ would need 18.23 years to pay back of all of its debts.
- CBZ's Debt to FCF ratio of 18.23 is in line compared to the rest of the industry. CBZ outperforms 41.38% of its industry peers.
- CBZ has a Debt/Equity ratio of 0.80. This is a neutral value indicating CBZ is somewhat dependend on debt financing.
- CBZ's Debt to Equity ratio of 0.80 is on the low side compared to the rest of the industry. CBZ is outperformed by 60.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 18.23 | ||
| Altman-Z | 1.69 |
ROIC/WACC0.7
WACC6.96%
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.
- Looking at the Current ratio, with a value of 1.57, CBZ is in line with its industry, outperforming 55.17% of the companies in the same industry.
- 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 56.32% of the companies in the same industry.
| 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.
- CBZ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.11% yearly.
- 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
- CBZ is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.81% yearly.
- The Revenue is expected to grow by 20.45% on average over the next years. This is a very strong growth
EPS Next Y36.17%
EPS Next 2Y21.93%
EPS Next 3Y18.81%
EPS Next 5YN/A
Revenue Next Year58.86%
Revenue Next 2Y29.08%
Revenue Next 3Y20.45%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same 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 9.56, the valuation of CBZ can be described as reasonable.
- 86.21% of the companies in the same industry are more expensive than CBZ, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 28.39. CBZ is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 9.72, the valuation of CBZ can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CBZ indicates a rather cheap valuation: CBZ is cheaper than 87.36% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.72. CBZ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.56 | ||
| Fwd PE | 9.72 |
4.2 Price Multiples
- 79.31% of the companies in the same industry are more expensive than CBZ, based on the Enterprise Value to EBITDA ratio.
- 63.22% 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 | 24.48 | ||
| EV/EBITDA | 10.13 |
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.
- A more expensive valuation may be justified as CBZ's earnings are expected to grow with 18.81% in the coming years.
PEG (NY)0.26
PEG (5Y)0.59
EPS Next 2Y21.93%
EPS Next 3Y18.81%
5. Dividend
5.1 Amount
- No dividends for CBZ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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 9.56 and the Price/Book (PB) ratio is 1.13.
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.