CBIZ INC (CBZ) Stock Fundamental Analysis
USA - NYSE:CBZ - US1248051021 - Common Stock
50.1 USD
+0.3 (+0.6%)
50.1 USD
0 (0%)
CBZ gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals 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 overvalued while it is showing excellent growth. This is an interesting combination.
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
CBZ has a Return On Assets of 2.29%. This is comparable to the rest of the industry: CBZ outperforms 48.28% of its industry peers.
CBZ has a Return On Equity of 5.56%. This is comparable to the rest of the industry: CBZ outperforms 47.13% of its industry peers.
CBZ has a Return On Invested Capital of 4.91%. This is comparable 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 22.56%.
| 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 55.17% 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 71.26% of its industry peers.
In the last couple of years the Operating Margin of CBZ has declined.
Looking at the Gross Margin, with a value of 13.02%, CBZ is doing worse than 82.76% of the companies in the same industry.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CBZ is destroying value.
Compared to 1 year ago, CBZ has more shares outstanding
CBZ has less shares outstanding than it did 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 1.82. 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.
CBZ has a Altman-Z score (1.82) which is in line with 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 has a Debt to FCF ratio of 18.23. This is in the lower half of the industry: CBZ underperforms 62.07% of its industry peers.
A Debt/Equity ratio of 0.80 indicates that 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 64.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 18.23 | ||
| Altman-Z | 1.82 |
ROIC/WACC0.69
WACC7.16%
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 57.47% of its industry peers.
A Quick Ratio of 1.57 indicates that CBZ should not have too much problems paying its short term obligations.
CBZ has a Quick ratio (1.57) which is comparable to the rest of the 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 55.17%, which is quite impressive.
The Earnings Per Share has been growing by 16.02% 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%.
Measured over the past years, CBZ shows a quite strong growth in Revenue. The Revenue has been growing by 13.84% on average per year.
EPS 1Y (TTM)55.17%
EPS 3Y17.64%
EPS 5Y16.02%
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 very strong growth in Earnings Per Share. The EPS will grow by 21.57% on average per year.
Based on estimates for the next years, CBZ will show a very strong growth in Revenue. The Revenue will grow by 20.37% on average per year.
EPS Next Y36.68%
EPS Next 2Y23.21%
EPS Next 3Y21.57%
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
Based on the Price/Earnings ratio of 12.37, the valuation of CBZ can be described as correct.
Based on the Price/Earnings ratio, CBZ is valued a bit cheaper than 79.31% of the companies in the same industry.
CBZ's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.51.
With a Price/Forward Earnings ratio of 12.36, CBZ is valued correctly.
73.56% 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 34.98, CBZ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.37 | ||
| Fwd PE | 12.36 |
4.2 Price Multiples
CBZ's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CBZ is cheaper than 71.26% 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 | 31.42 | ||
| EV/EBITDA | 11.81 |
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.
A more expensive valuation may be justified as CBZ's earnings are expected to grow with 21.57% in the coming years.
PEG (NY)0.34
PEG (5Y)0.77
EPS Next 2Y23.21%
EPS Next 3Y21.57%
5. Dividend
5.1 Amount
No dividends for CBZ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
50.1
+0.3 (+0.6%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)
Earnings (Next)
Inst Owners95.18%
Inst Owner Change3.55%
Ins Owners3.48%
Ins Owner Change0.12%
Market Cap2.70B
Revenue(TTM)2.68B
Net Income(TTM)104.14M
Analysts85.71
Price Target96.9 (93.41%)
Short Float %9.5%
Short Ratio7.04
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)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)4.49%
EPS beat(12)9
Avg EPS beat(12)2.93%
EPS beat(16)12
Avg EPS beat(16)-1.28%
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)0%
EPS NQ rev (1m)-16.13%
EPS NQ rev (3m)-20%
EPS NY rev (1m)0.09%
EPS NY rev (3m)1.02%
Revenue NQ rev (1m)1.16%
Revenue NQ rev (3m)-1.51%
Revenue NY rev (1m)-0.84%
Revenue NY rev (3m)-1.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.37 | ||
| Fwd PE | 12.36 | ||
| P/S | 1.01 | ||
| P/FCF | 31.42 | ||
| P/OCF | 25.91 | ||
| P/B | 1.44 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.81 |
EPS(TTM)4.05
EY8.08%
EPS(NY)4.05
Fwd EY8.09%
FCF(TTM)1.59
FCFY3.18%
OCF(TTM)1.93
OCFY3.86%
SpS49.57
BVpS34.68
TBVpS-18.78
PEG (NY)0.34
PEG (5Y)0.77
Graham Number56.21
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 | 1.82 |
F-Score5
WACC7.16%
ROIC/WACC0.69
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)55.17%
EPS 3Y17.64%
EPS 5Y16.02%
EPS Q2Q%20.24%
EPS Next Y36.68%
EPS Next 2Y23.21%
EPS Next 3Y21.57%
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 Year156.31%
EBIT Next 3Y41.05%
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 for 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.
Can you provide the PE and PB ratios for CBZ stock?
The Price/Earnings (PE) ratio for CBIZ INC (CBZ) is 12.37 and the Price/Book (PB) ratio is 1.44.