CBIZ INC (CBZ) Fundamental Analysis & Valuation

NYSE:CBZ • US1248051021

Current stock price

26.13 USD
-0.75 (-2.79%)
At close:
26.1 USD
-0.03 (-0.11%)
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.
  • In the past year CBZ had a positive cash flow from operations.
  • In the past 5 years CBZ has always been profitable.
  • Each year in the past 5 years CBZ had a positive operating cash flow.
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 has a Return On Assets (2.62%) which is comparable to the rest of the industry.
  • CBZ's Return On Equity of 6.55% is in line compared to the rest of the industry. CBZ outperforms 49.43% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 5.82%, CBZ is in line with its industry, outperforming 49.43% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for CBZ is significantly below the industry average of 12.57%.
  • 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 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

  • With a Profit Margin value of 4.19%, CBZ perfoms like the industry average, outperforming 55.17% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CBZ has declined.
  • CBZ has a Operating Margin of 10.85%. This is in the better half of the industry: CBZ outperforms 68.97% of its industry peers.
  • CBZ's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 12.89%, 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 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

  • CBZ has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, CBZ has more shares outstanding
  • CBZ has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, CBZ has a worse debt to assets ratio.
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

  • CBZ has an Altman-Z score of 1.55. This is a bad value and indicates that CBZ is not financially healthy and even has some risk of bankruptcy.
  • CBZ has a worse Altman-Z score (1.55) than 62.07% 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 has a Debt to FCF ratio (8.37) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.80 indicates that CBZ is somewhat dependend on debt financing.
  • CBZ has a Debt to Equity ratio of 0.80. This is in the lower half of the industry: CBZ underperforms 65.52% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 8.37
Altman-Z 1.55
ROIC/WACC0.8
WACC7.23%
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

  • A Current Ratio of 1.22 indicates that CBZ should not have too much problems paying its short term obligations.
  • CBZ has a Current ratio of 1.22. This is in the lower half of the industry: CBZ underperforms 62.07% 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 62.07% of its industry peers.
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 impressive 32.46% over the past year.
  • The Earnings Per Share has been growing by 20.28% on average over the past years. This is a very strong growth
  • CBZ shows a strong growth in Revenue. In the last year, 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

  • 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 Y7.26%
EPS Next 2Y8.49%
EPS Next 3YN/A
EPS Next 5Y14.74%
Revenue Next Year1.6%
Revenue Next 2Y2.85%
Revenue Next 3Y2.41%
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.
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 2029 2030 2 4 6

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8

4. CBZ Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 7.36, which indicates a rather cheap valuation of CBZ.
  • Compared to the rest of the industry, the Price/Earnings ratio of CBZ indicates a rather cheap valuation: CBZ is cheaper than 89.66% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, CBZ is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 6.86, 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 93.10% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.51, CBZ is valued rather cheaply.
Industry RankSector Rank
PE 7.36
Fwd PE 6.86
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 78.16% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CBZ indicates a rather cheap valuation: CBZ is cheaper than 83.91% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.2
EV/EBITDA 7.37
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.
PEG (NY)1.01
PEG (5Y)0.36
EPS Next 2Y8.49%
EPS Next 3YN/A

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

0

5. CBZ Dividend Analysis

5.1 Amount

  • No dividends for CBZ!.
Industry RankSector Rank
Dividend Yield 0%

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CBZ Fundamentals: All Metrics, Ratios and Statistics

CBIZ INC

NYSE:CBZ (3/27/2026, 6:06:54 PM)

After market: 26.1 -0.03 (-0.11%)

26.13

-0.75 (-2.79%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-25
Earnings (Next)04-22
Inst Owners108.72%
Inst Owner Change14.23%
Ins Owners3.8%
Ins Owner Change10.64%
Market Cap1.44B
Revenue(TTM)2.76B
Net Income(TTM)115.44M
Analysts80
Price Target68.85 (163.49%)
Short Float %10.66%
Short Ratio4.01
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)0%
PT rev (3m)-26.23%
EPS NQ rev (1m)-2.98%
EPS NQ rev (3m)-2.56%
EPS NY rev (1m)-1.99%
EPS NY rev (3m)-6.06%
Revenue NQ rev (1m)-1.55%
Revenue NQ rev (3m)-0.87%
Revenue NY rev (1m)-2.22%
Revenue NY rev (3m)-4.34%
Valuation
Industry RankSector Rank
PE 7.36
Fwd PE 6.86
P/S 0.52
P/FCF 8.2
P/OCF 7.48
P/B 0.82
P/tB N/A
EV/EBITDA 7.37
EPS(TTM)3.55
EY13.59%
EPS(NY)3.81
Fwd EY14.57%
FCF(TTM)3.19
FCFY12.2%
OCF(TTM)3.5
OCFY13.38%
SpS50.08
BVpS32
TBVpS-20.11
PEG (NY)1.01
PEG (5Y)0.36
Graham Number50.55
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 1.55
F-Score8
WACC7.23%
ROIC/WACC0.8
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 Y7.26%
EPS Next 2Y8.49%
EPS Next 3YN/A
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 3Y2.41%
Revenue Next 5Y2.46%
EBIT growth 1Y158.66%
EBIT growth 3Y18.87%
EBIT growth 5Y26.39%
EBIT Next Year47.15%
EBIT Next 3YN/A
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.


What is the profitability of CBZ stock?

CBIZ INC (CBZ) has a profitability rating of 5 / 10.


What are the PE and PB ratios of CBIZ INC (CBZ) stock?

The Price/Earnings (PE) ratio for CBIZ INC (CBZ) is 7.36 and the Price/Book (PB) ratio is 0.82.


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 7.26% in the next year.