CBIZ INC (CBZ) Fundamental Analysis & Valuation

NYSE:CBZ • US1248051021

Current stock price

30.5 USD
-2.67 (-8.05%)
At close:
30.526 USD
+0.03 (+0.09%)
After Hours:

This CBZ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. CBZ Profitability Analysis

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.
  • CBZ had a positive operating cash flow in each of the past 5 years.
CBZ Yearly Net Income VS EBIT VS OCF VS FCFCBZ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • CBZ's Return On Assets of 2.62% is in line compared to the rest of the industry. CBZ outperforms 48.24% of its industry peers.
  • CBZ's Return On Equity of 6.55% is in line compared to the rest of the industry. CBZ outperforms 49.41% of its industry peers.
  • CBZ's Return On Invested Capital of 5.82% is in line compared to the rest of the industry. CBZ outperforms 49.41% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for CBZ is significantly below the industry average of 12.34%.
  • The 3 year average ROIC (5.33%) for CBZ is below the current ROIC(5.82%), indicating increased profibility in the last year.
Industry RankSector 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%
CBZ Yearly ROA, ROE, ROICCBZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • CBZ has a Profit Margin of 4.19%. This is comparable to the rest of the industry: CBZ outperforms 56.47% of its industry peers.
  • CBZ's Profit Margin has declined in the last couple of years.
  • The Operating Margin of CBZ (10.85%) is better than 69.41% of its industry peers.
  • In the last couple of years the Operating Margin of CBZ has grown nicely.
  • CBZ's Gross Margin of 12.89% is on the low side compared to the rest of the industry. CBZ is outperformed by 83.53% of its industry peers.
  • In the last couple of years the Gross Margin of CBZ has declined.
Industry RankSector 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%
CBZ Yearly Profit, Operating, Gross MarginsCBZ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

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2

2. CBZ Health Analysis

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
  • The number of shares outstanding for CBZ has been increased compared to 5 years ago.
  • The debt/assets ratio for CBZ is higher compared to a year ago.
CBZ Yearly Shares OutstandingCBZ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
CBZ Yearly Total Debt VS Total AssetsCBZ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • Based on the Altman-Z score of 1.63, we must say that CBZ is in the distress zone and has some risk of bankruptcy.
  • CBZ has a Altman-Z score (1.63) which is comparable to the rest of the industry.
  • The Debt to FCF ratio of CBZ is 8.37, which is on the high side as it means it would take CBZ, 8.37 years of fcf income to pay off all of its debts.
  • CBZ has a Debt to FCF ratio (8.37) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.80 indicates that CBZ is somewhat dependend on debt financing.
  • CBZ has a worse Debt to Equity ratio (0.80) than 68.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 8.37
Altman-Z 1.63
ROIC/WACC0.74
WACC7.81%
CBZ Yearly LT Debt VS Equity VS FCFCBZ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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: 63.53% of the companies in the same industry are doing better.
  • CBZ has a Quick 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 Quick ratio value of 1.22, CBZ is not doing good in the industry: 63.53% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 1.22
Quick Ratio 1.22
CBZ Yearly Current Assets VS Current LiabilitesCBZ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. CBZ Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 9.62% over the past year.
  • Measured over the past years, CBZ shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.28% on average per year.
  • CBZ shows a strong growth in Revenue. In the last year, 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)9.62%
EPS 3Y21.08%
EPS 5Y20.28%
EPS Q2Q%9.17%
Revenue 1Y (TTM)52.08%
Revenue growth 3Y25%
Revenue growth 5Y23.4%
Sales Q2Q%1.26%

3.2 Future

  • Based on estimates for the next years, CBZ will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.74% on average per year.
  • CBZ is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.46% yearly.
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.
CBZ Yearly Revenue VS EstimatesCBZ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 1B 2B 3B
CBZ Yearly EPS VS EstimatesCBZ Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6

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7

4. CBZ Valuation Analysis

4.1 Price/Earnings Ratio

  • CBZ is valuated reasonably with a Price/Earnings ratio of 8.11.
  • 90.59% of the companies in the same industry are more expensive than CBZ, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, CBZ is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 6.95, the valuation of CBZ can be described as very cheap.
  • CBZ's Price/Forward Earnings ratio is rather cheap when compared to the industry. CBZ is cheaper than 91.76% of the companies in the same industry.
  • CBZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.75.
Industry RankSector Rank
PE 8.11
Fwd PE 6.95
CBZ Price Earnings VS Forward Price EarningsCBZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 78.82% 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 78.82% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.52
EV/EBITDA 8.22
CBZ Per share dataCBZ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

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)1.11
PEG (5Y)0.4
EPS Next 2Y11.22%
EPS Next 3Y13.17%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CBZ Dividend Analysis

5.1 Amount

  • CBZ does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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CBZ Fundamentals: All Metrics, Ratios and Statistics

CBIZ INC

NYSE:CBZ (4/30/2026, 8:04:00 PM)

After market: 30.526 +0.03 (+0.09%)

30.5

-2.67 (-8.05%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Industry Strength34.78
Industry Growth47.83
Earnings (Last)04-29
Earnings (Next)N/A
Inst Owners99.12%
Inst Owner Change-1.1%
Ins Owners3.83%
Ins Owner Change10.64%
Market Cap1.67B
Revenue(TTM)2.76B
Net Income(TTM)115.44M
Analysts80
Price Target41.82 (37.11%)
Short Float %8.55%
Short Ratio3.43
Dividend
Industry RankSector 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)-6.3%
EPS NY rev (1m)0.07%
EPS NY rev (3m)-4.37%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-1.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.21%
Valuation
Industry RankSector Rank
PE 8.11
Fwd PE 6.95
P/S 0.61
P/FCF 9.52
P/OCF 8.68
P/B 0.95
P/tB N/A
EV/EBITDA 8.22
EPS(TTM)3.76
EY12.33%
EPS(NY)4.39
Fwd EY14.4%
FCF(TTM)3.2
FCFY10.5%
OCF(TTM)3.51
OCFY11.51%
SpS50.32
BVpS32.15
TBVpS-20.21
PEG (NY)1.11
PEG (5Y)0.4
Graham Number52.1515 (70.99%)
Profitability
Industry RankSector 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 RankSector 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 1.63
F-Score8
WACC7.81%
ROIC/WACC0.74
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)9.62%
EPS 3Y21.08%
EPS 5Y20.28%
EPS Q2Q%9.17%
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%1.26%
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 7 / 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 8.11 and the Price/Book (PB) ratio is 0.95.