CBIZ INC (CBZ) Fundamental Analysis & Valuation
NYSE:CBZ • US1248051021
Current stock price
29.71 USD
-0.84 (-2.75%)
At close:
29.71 USD
0 (0%)
After Hours:
This CBZ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. CBZ Profitability Analysis
1.1 Basic Checks
- CBZ had positive earnings in the past year.
- In the past year CBZ had a positive cash flow from operations.
- In the past 5 years CBZ has always been profitable.
- In the past 5 years CBZ always reported a positive cash flow from operatings.
1.2 Ratios
- CBZ's Return On Assets of 2.62% is in line compared to the rest of the industry. CBZ outperforms 48.84% of its industry peers.
- With a Return On Equity value of 6.55%, CBZ perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
- CBZ has a Return On Invested Capital of 5.82%. This is comparable to the rest of the industry: CBZ outperforms 50.00% of its industry peers.
- CBZ had an Average Return On Invested Capital over the past 3 years of 5.33%. This is significantly below the industry average of 12.84%.
- The last Return On Invested Capital (5.82%) for CBZ is above the 3 year average (5.33%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.62% | ||
| ROE | 6.55% | ||
| ROIC | 5.82% |
ROA(3y)3.15%
ROA(5y)3.88%
ROE(3y)8.05%
ROE(5y)9.79%
ROIC(3y)5.33%
ROIC(5y)6.27%
1.3 Margins
- CBZ's Profit Margin of 4.19% is in line compared to the rest of the industry. CBZ outperforms 56.98% of its industry peers.
- In the last couple of years the Profit Margin of CBZ has declined.
- CBZ's Operating Margin of 10.85% is fine compared to the rest of the industry. CBZ outperforms 69.77% of its industry peers.
- In the last couple of years the Operating Margin of CBZ has grown nicely.
- CBZ has a worse Gross Margin (12.89%) than 82.56% of its industry peers.
- In the last couple of years the Gross Margin of CBZ has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.85% | ||
| PM (TTM) | 4.19% | ||
| GM | 12.89% |
OM growth 3Y-4.91%
OM growth 5Y2.42%
PM growth 3Y-17.54%
PM growth 5Y-12.42%
GM growth 3Y-7.86%
GM growth 5Y-2.15%
2. CBZ Health Analysis
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.
- Compared to 5 years ago, CBZ has more shares outstanding
- Compared to 1 year ago, CBZ has a worse debt to assets ratio.
2.2 Solvency
- CBZ has an Altman-Z score of 1.58. This is a bad value and indicates that CBZ is not financially healthy and even has some risk of bankruptcy.
- CBZ has a Altman-Z score of 1.58. This is in the lower half of the industry: CBZ underperforms 61.63% of its industry peers.
- CBZ has a debt to FCF ratio of 8.37. This is a slightly negative value and a sign of low solvency as CBZ would need 8.37 years to pay back of all of its debts.
- CBZ's Debt to FCF ratio of 8.37 is in line compared to the rest of the industry. CBZ outperforms 41.86% 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.
- Looking at the Debt to Equity ratio, with a value of 0.80, CBZ is doing worse than 68.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 8.37 | ||
| Altman-Z | 1.58 |
ROIC/WACC0.75
WACC7.71%
2.3 Liquidity
- CBZ has a Current Ratio of 1.22. This is a normal value and indicates that CBZ is financially healthy and should not expect problems in meeting its short term obligations.
- With a Current ratio value of 1.22, CBZ is not doing good in the industry: 62.79% of the companies in the same industry are doing better.
- A Quick Ratio of 1.22 indicates that CBZ should not have too much problems paying its short term obligations.
- With a Quick ratio value of 1.22, CBZ is not doing good in the industry: 62.79% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.22 | ||
| Quick Ratio | 1.22 |
3. CBZ Growth Analysis
3.1 Past
- CBZ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.46%, which is quite impressive.
- CBZ shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.28% yearly.
- Looking at the last year, CBZ shows a very strong growth in Revenue. The Revenue has grown by 52.08%.
- The Revenue has been growing by 23.40% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)32.46%
EPS 3Y21.08%
EPS 5Y20.28%
EPS Q2Q%-250%
Revenue 1Y (TTM)52.08%
Revenue growth 3Y25%
Revenue growth 5Y23.4%
Sales Q2Q%17.9%
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 14.74% yearly.
- Based on estimates for the next years, CBZ will show a small growth in Revenue. The Revenue will grow by 2.46% on average per year.
EPS Next Y7.33%
EPS Next 2Y11.22%
EPS Next 3Y13.17%
EPS Next 5Y14.74%
Revenue Next Year1.6%
Revenue Next 2Y2.85%
Revenue Next 3Y2.86%
Revenue Next 5Y2.46%
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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 decreasing.
4. CBZ Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 8.37, which indicates a very decent valuation of CBZ.
- Based on the Price/Earnings ratio, CBZ is valued cheaper than 89.53% of the companies in the same industry.
- CBZ is valuated cheaply when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 7.80, which indicates a rather cheap valuation of CBZ.
- Based on the Price/Forward Earnings ratio, CBZ is valued cheaper than 90.70% of the companies in the same industry.
- CBZ is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.62, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.37 | ||
| Fwd PE | 7.8 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CBZ is valued cheaper than 81.40% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, CBZ is valued cheaper than 80.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.28 | ||
| EV/EBITDA | 7.74 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- CBZ's earnings are expected to grow with 13.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.14
PEG (5Y)0.41
EPS Next 2Y11.22%
EPS Next 3Y13.17%
5. CBZ Dividend Analysis
5.1 Amount
- No dividends for CBZ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
CBZ Fundamentals: All Metrics, Ratios and Statistics
29.71
-0.84 (-2.75%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-25 2026-02-25/amc
Earnings (Next)04-29 2026-04-29
Inst Owners99.12%
Inst Owner Change-1.05%
Ins Owners3.83%
Ins Owner Change10.64%
Market Cap1.63B
Revenue(TTM)2.76B
Net Income(TTM)115.44M
Analysts80
Price Target45.22 (52.2%)
Short Float %8.79%
Short Ratio3.3
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)1
Avg EPS beat(2)3.26%
Min EPS beat(2)-5.01%
Max EPS beat(2)11.52%
EPS beat(4)3
Avg EPS beat(4)6.42%
Min EPS beat(4)-5.01%
Max EPS beat(4)11.53%
EPS beat(8)6
Avg EPS beat(8)3.37%
EPS beat(12)9
Avg EPS beat(12)3.8%
EPS beat(16)12
Avg EPS beat(16)5.35%
Revenue beat(2)0
Avg Revenue beat(2)-5.09%
Min Revenue beat(2)-7.05%
Max Revenue beat(2)-3.14%
Revenue beat(4)0
Avg Revenue beat(4)-4.31%
Min Revenue beat(4)-7.05%
Max Revenue beat(4)-3.14%
Revenue beat(8)1
Avg Revenue beat(8)-1.1%
Revenue beat(12)5
Avg Revenue beat(12)0.29%
Revenue beat(16)9
Avg Revenue beat(16)1.9%
PT rev (1m)-34.32%
PT rev (3m)-51.55%
EPS NQ rev (1m)-3.42%
EPS NQ rev (3m)-5.9%
EPS NY rev (1m)0.07%
EPS NY rev (3m)-6%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-0.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.37 | ||
| Fwd PE | 7.8 | ||
| P/S | 0.59 | ||
| P/FCF | 9.28 | ||
| P/OCF | 8.46 | ||
| P/B | 0.92 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.74 |
EPS(TTM)3.55
EY11.95%
EPS(NY)3.81
Fwd EY12.82%
FCF(TTM)3.2
FCFY10.78%
OCF(TTM)3.51
OCFY11.82%
SpS50.32
BVpS32.15
TBVpS-20.21
PEG (NY)1.14
PEG (5Y)0.41
Graham Number50.6742 (70.56%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.62% | ||
| ROE | 6.55% | ||
| ROCE | 8.15% | ||
| ROIC | 5.82% | ||
| ROICexc | 5.84% | ||
| ROICexgc | 27.19% | ||
| OM | 10.85% | ||
| PM (TTM) | 4.19% | ||
| GM | 12.89% | ||
| FCFM | 6.36% |
ROA(3y)3.15%
ROA(5y)3.88%
ROE(3y)8.05%
ROE(5y)9.79%
ROIC(3y)5.33%
ROIC(5y)6.27%
ROICexc(3y)5.35%
ROICexc(5y)6.3%
ROICexgc(3y)20.44%
ROICexgc(5y)22.51%
ROCE(3y)7.46%
ROCE(5y)8.79%
ROICexgc growth 3Y-4.28%
ROICexgc growth 5Y8.95%
ROICexc growth 3Y-14.46%
ROICexc growth 5Y-0.05%
OM growth 3Y-4.91%
OM growth 5Y2.42%
PM growth 3Y-17.54%
PM growth 5Y-12.42%
GM growth 3Y-7.86%
GM growth 5Y-2.15%
F-Score8
Asset Turnover0.63
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 8.37 | ||
| Debt/EBITDA | 3.53 | ||
| Cap/Depr | 17.26% | ||
| Cap/Sales | 0.61% | ||
| Interest Coverage | 2.84 | ||
| Cash Conversion | 48.41% | ||
| Profit Quality | 152.04% | ||
| Current Ratio | 1.22 | ||
| Quick Ratio | 1.22 | ||
| Altman-Z | 1.58 |
F-Score8
WACC7.71%
ROIC/WACC0.75
Cap/Depr(3y)35.9%
Cap/Depr(5y)33.41%
Cap/Sales(3y)0.93%
Cap/Sales(5y)0.84%
Profit Quality(3y)176.61%
Profit Quality(5y)162.73%
High Growth Momentum
Growth
EPS 1Y (TTM)32.46%
EPS 3Y21.08%
EPS 5Y20.28%
EPS Q2Q%-250%
EPS Next Y7.33%
EPS Next 2Y11.22%
EPS Next 3Y13.17%
EPS Next 5Y14.74%
Revenue 1Y (TTM)52.08%
Revenue growth 3Y25%
Revenue growth 5Y23.4%
Sales Q2Q%17.9%
Revenue Next Year1.6%
Revenue Next 2Y2.85%
Revenue Next 3Y2.86%
Revenue Next 5Y2.46%
EBIT growth 1Y158.66%
EBIT growth 3Y18.87%
EBIT growth 5Y26.39%
EBIT Next Year47.16%
EBIT Next 3Y17.4%
EBIT Next 5Y11.09%
FCF growth 1Y58.45%
FCF growth 3Y14.31%
FCF growth 5Y5.36%
OCF growth 1Y55.62%
OCF growth 3Y15.14%
OCF growth 5Y5.57%
CBIZ INC / CBZ Fundamental Analysis 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 8 / 10 to CBIZ INC (CBZ). This can be considered as Undervalued.
How profitable is CBIZ INC (CBZ) stock?
CBIZ INC (CBZ) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for CBZ stock?
The Price/Earnings (PE) ratio for CBIZ INC (CBZ) is 8.37 and the Price/Book (PB) ratio is 0.92.