CBIZ INC (CBZ) Stock Fundamental Analysis
NYSE:CBZ • US1248051021
30.06 USD
+2.04 (+7.28%)
Last: Feb 18, 2026, 03:53 PM
Overall CBZ gets a fundamental rating of 5 out of 10. We evaluated CBZ against 88 industry peers in the Professional Services industry. While CBZ is still in line with the averages on profitability rating, there are concerns on its financial health. CBZ has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
- CBZ had positive earnings in the past year.
- In the past year CBZ had a positive cash flow from operations.
- CBZ had positive earnings in each of the past 5 years.
- Each year in the past 5 years CBZ had a positive operating cash flow.
1.2 Ratios
- CBZ has a Return On Assets (2.29%) which is in line with its industry peers.
- CBZ has a Return On Equity (5.56%) which is in line with its industry peers.
- CBZ has a Return On Invested Capital (4.91%) which is comparable to the rest of the industry.
- Measured over the past 3 years, the Average Return On Invested Capital for CBZ is significantly below the industry average of 12.55%.
| 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
- CBZ's Profit Margin of 3.89% is in line compared to the rest of the industry. CBZ outperforms 55.68% of its industry peers.
- CBZ's Profit Margin has declined in the last couple of years.
- CBZ has a better Operating Margin (9.96%) than 68.18% of its industry peers.
- CBZ's Operating Margin has declined in the last couple of years.
- CBZ has a worse Gross Margin (13.02%) than 80.68% of its industry peers.
- In the last couple of years the Gross Margin of CBZ has declined.
| 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.
- The number of shares outstanding for CBZ has been increased compared to 1 year ago.
- CBZ has less shares outstanding than it did 5 years ago.
- CBZ has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.56, we must say that CBZ is in the distress zone and has some risk of bankruptcy.
- CBZ has a Altman-Z score of 1.56. This is in the lower half of the industry: CBZ underperforms 64.77% 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 42.05% of its industry peers.
- A Debt/Equity ratio of 0.80 indicates that 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 63.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 18.23 | ||
| Altman-Z | 1.56 |
ROIC/WACC0.72
WACC6.79%
2.3 Liquidity
- A Current Ratio of 1.57 indicates that CBZ should not have too much problems paying its short term obligations.
- The Current ratio of CBZ (1.57) is comparable to the rest of the industry.
- 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.
- Looking at the Quick ratio, with a value of 1.57, CBZ is in line with its industry, outperforming 53.41% 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.
- Measured over the past years, CBZ shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.11% on average per year.
- 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 13.81% yearly.
- Based on estimates for the next years, CBZ will show a quite strong growth in Revenue. The Revenue will grow by 12.93% on average per year.
EPS Next Y36.05%
EPS Next 2Y20.4%
EPS Next 3Y17.55%
EPS Next 5Y13.81%
Revenue Next Year58.75%
Revenue Next 2Y28.43%
Revenue Next 3Y19.81%
Revenue Next 5Y12.93%
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 stable.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- CBZ is valuated cheaply with a Price/Earnings ratio of 7.42.
- Compared to the rest of the industry, the Price/Earnings ratio of CBZ indicates a rather cheap valuation: CBZ is cheaper than 90.91% of the companies listed in the same industry.
- CBZ's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.16.
- CBZ is valuated cheaply with a Price/Forward Earnings ratio of 7.74.
- 89.77% of the companies in the same industry are more expensive than CBZ, based on the Price/Forward Earnings ratio.
- CBZ is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.42 | ||
| Fwd PE | 7.74 |
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 77.27% of the companies listed in the same industry.
- CBZ's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CBZ is cheaper than 65.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19 | ||
| EV/EBITDA | 8.54 |
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 17.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.21
PEG (5Y)0.46
EPS Next 2Y20.4%
EPS Next 3Y17.55%
5. Dividend
5.1 Amount
- CBZ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:CBZ (2/18/2026, 3:53:03 PM)
30.06
+2.04 (+7.28%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)02-25 2026-02-25/bmo
Inst Owners94.18%
Inst Owner Change3.59%
Ins Owners3.46%
Ins Owner Change1.38%
Market Cap1.64B
Revenue(TTM)2.68B
Net Income(TTM)104.14M
Analysts80
Price Target68.85 (129.04%)
Short Float %9.74%
Short Ratio5.85
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)-26.23%
PT rev (3m)-28.95%
EPS NQ rev (1m)-5.88%
EPS NQ rev (3m)-10%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)-0.11%
Revenue NQ rev (3m)-0.11%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.42 | ||
| Fwd PE | 7.74 | ||
| P/S | 0.61 | ||
| P/FCF | 19 | ||
| P/OCF | 15.67 | ||
| P/B | 0.87 | ||
| P/tB | N/A | ||
| EV/EBITDA | 8.54 |
EPS(TTM)4.05
EY13.47%
EPS(NY)3.89
Fwd EY12.92%
FCF(TTM)1.58
FCFY5.26%
OCF(TTM)1.92
OCFY6.38%
SpS49.18
BVpS34.41
TBVpS-18.64
PEG (NY)0.21
PEG (5Y)0.46
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 | 1.56 |
F-Score5
WACC6.79%
ROIC/WACC0.72
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 Y36.05%
EPS Next 2Y20.4%
EPS Next 3Y17.55%
EPS Next 5Y13.81%
Revenue 1Y (TTM)59.19%
Revenue growth 3Y17.96%
Revenue growth 5Y13.84%
Sales Q2Q%58.09%
Revenue Next Year58.75%
Revenue Next 2Y28.43%
Revenue Next 3Y19.81%
Revenue Next 5Y12.93%
EBIT growth 1Y63.25%
EBIT growth 3Y5.86%
EBIT growth 5Y8.74%
EBIT Next Year155.85%
EBIT Next 3Y40.58%
EBIT Next 5Y24.05%
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 8 / 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 7.42 and the Price/Book (PB) ratio is 0.87.
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 36.05% in the next year.