CBIZ INC (CBZ) Fundamental Analysis & Valuation
NYSE:CBZ • US1248051021
Current stock price
30.33 USD
-0.02 (-0.07%)
At close:
30.33 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
- 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.
- Each year in the past 5 years CBZ had a positive operating cash flow.
1.2 Ratios
- CBZ has a Return On Assets (2.62%) which is comparable to the rest of the industry.
- CBZ has a Return On Equity (6.55%) which is comparable to the rest of the industry.
- CBZ has a Return On Invested Capital (5.82%) which is comparable to the rest of the industry.
- The Average Return On Invested Capital over the past 3 years for CBZ is significantly below the industry average of 13.03%.
- The 3 year average ROIC (5.33%) for CBZ is below the current ROIC(5.82%), indicating increased profibility in the last year.
| 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
- With a Profit Margin value of 4.19%, CBZ perfoms like the industry average, outperforming 56.98% of the companies in the same industry.
- In the last couple of years the Profit Margin of CBZ has declined.
- CBZ has a better Operating Margin (10.85%) than 69.77% of its industry peers.
- In the last couple of years the Operating Margin of CBZ has grown nicely.
- With a Gross Margin value of 12.89%, CBZ is not doing good in the industry: 82.56% of the companies in the same industry are doing better.
- 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.
- 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.
2.2 Solvency
- CBZ has an Altman-Z score of 1.59. 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 1.59. This is in the lower half of the industry: CBZ underperforms 60.47% 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.
- Looking at the Debt to FCF ratio, with a value of 8.37, CBZ is in line with its industry, outperforming 41.86% of the companies in the same industry.
- 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 | 1.59 |
ROIC/WACC0.75
WACC7.8%
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.
- CBZ has a worse Current ratio (1.22) than 62.79% of its industry peers.
- 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.
- CBZ's Quick ratio of 1.22 is on the low side compared to the rest of the industry. CBZ is outperformed by 62.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.22 | ||
| Quick Ratio | 1.22 |
3. CBZ Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 32.46% 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.
- Looking at the last year, CBZ shows a very strong growth in Revenue. The Revenue has grown by 52.08%.
- CBZ shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 23.40% yearly.
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
- The Earnings Per Share is expected to grow by 14.74% on average over the next years. This is quite good.
- 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
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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 8.54, 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.
- When comparing the Price/Earnings ratio of CBZ to the average of the S&P500 Index (27.53), we can say CBZ is valued rather cheaply.
- With a Price/Forward Earnings ratio of 7.96, the valuation of CBZ can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CBZ indicates a rather cheap valuation: CBZ is cheaper than 90.70% of the companies listed 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 37.95.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.54 | ||
| Fwd PE | 7.96 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CBZ is valued cheaply inside the industry as 82.56% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, CBZ is valued cheaply inside the industry as 81.40% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.47 | ||
| EV/EBITDA | 7.83 |
4.3 Compensation for Growth
- CBZ's 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)1.17
PEG (5Y)0.42
EPS Next 2Y11.22%
EPS Next 3Y13.17%
5. CBZ Dividend Analysis
5.1 Amount
- CBZ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
CBZ Fundamentals: All Metrics, Ratios and Statistics
30.33
-0.02 (-0.07%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-25 2026-02-25/amc
Earnings (Next)04-23 2026-04-23
Inst Owners99.12%
Inst Owner Change0.02%
Ins Owners3.83%
Ins Owner Change10.64%
Market Cap1.66B
Revenue(TTM)2.76B
Net Income(TTM)115.44M
Analysts80
Price Target45.22 (49.09%)
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)-1.43%
EPS NQ rev (3m)-3.95%
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 | 8.54 | ||
| Fwd PE | 7.96 | ||
| P/S | 0.6 | ||
| P/FCF | 9.47 | ||
| P/OCF | 8.64 | ||
| P/B | 0.94 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.83 |
EPS(TTM)3.55
EY11.7%
EPS(NY)3.81
Fwd EY12.56%
FCF(TTM)3.2
FCFY10.56%
OCF(TTM)3.51
OCFY11.58%
SpS50.32
BVpS32.15
TBVpS-20.21
PEG (NY)1.17
PEG (5Y)0.42
Graham Number50.6742 (67.08%)
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 | 1.59 |
F-Score8
WACC7.8%
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 8.54 and the Price/Book (PB) ratio is 0.94.