CBIZ INC (CBZ) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:CBZ • US1248051021
36.99 USD
-3.6 (-8.87%)
At close: Feb 3, 2026
36.99 USD
0 (0%)
After Hours: 2/3/2026, 8:04:00 PM
Overall CBZ gets a fundamental rating of 5 out of 10. We evaluated CBZ against 89 industry peers in the Professional Services industry. CBZ has a medium profitability rating, but doesn't score so well on its financial health evaluation. CBZ is growing strongly while it also seems undervalued. This is an interesting combination
1. Profitability
1.1 Basic Checks
- In the past year CBZ was profitable.
- 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.
1.2 Ratios
- With a Return On Assets value of 2.29%, CBZ perfoms like the industry average, outperforming 51.69% of the companies in the same industry.
- CBZ has a Return On Equity of 5.56%. This is comparable to the rest of the industry: CBZ outperforms 49.44% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 4.91%, CBZ is in line with its industry, outperforming 49.44% of the companies in the same industry.
- CBZ had an Average Return On Invested Capital over the past 3 years of 6.53%. This is significantly below the industry average of 12.00%.
| 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
- Looking at the Profit Margin, with a value of 3.89%, CBZ is in line with its industry, outperforming 57.30% of the companies in the same industry.
- CBZ's Profit Margin has declined in the last couple of years.
- CBZ has a better Operating Margin (9.96%) than 70.79% of its industry peers.
- CBZ's Operating Margin has declined in the last couple of years.
- With a Gross Margin value of 13.02%, CBZ is not doing good in the industry: 79.78% 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 | 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.
- Compared to 1 year ago, CBZ has more shares outstanding
- The number of shares outstanding for CBZ has been reduced compared to 5 years ago.
- CBZ has a worse debt/assets ratio than last year.
2.2 Solvency
- CBZ has an Altman-Z score of 1.71. This is a bad value and indicates that CBZ is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of CBZ (1.71) is comparable to the rest of the industry.
- 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 has a Debt to FCF ratio (18.23) 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's Debt to Equity ratio of 0.80 is on the low side compared to the rest of the industry. CBZ is outperformed by 61.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 18.23 | ||
| Altman-Z | 1.71 |
ROIC/WACC0.7
WACC6.96%
2.3 Liquidity
- A Current Ratio of 1.57 indicates that CBZ should not have too much problems paying its short term obligations.
- CBZ's Current ratio of 1.57 is in line compared to the rest of the industry. CBZ outperforms 55.06% of its industry peers.
- 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.
- CBZ's Quick ratio of 1.57 is in line compared to the rest of the industry. CBZ outperforms 56.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.57 | ||
| Quick Ratio | 1.57 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 54.58% over the past year.
- CBZ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.11% yearly.
- 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 18.81% yearly.
- Based on estimates for the next years, CBZ will show a very strong growth in Revenue. The Revenue will grow by 20.45% on average per year.
EPS Next Y36.17%
EPS Next 2Y21.93%
EPS Next 3Y18.81%
EPS Next 5YN/A
Revenue Next Year58.86%
Revenue Next 2Y29.08%
Revenue Next 3Y20.45%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- CBZ is valuated reasonably with a Price/Earnings ratio of 9.13.
- CBZ's Price/Earnings ratio is rather cheap when compared to the industry. CBZ is cheaper than 86.52% of the companies in the same industry.
- When comparing the Price/Earnings ratio of CBZ to the average of the S&P500 Index (28.18), we can say CBZ is valued rather cheaply.
- The Price/Forward Earnings ratio is 9.28, which indicates a very decent valuation of CBZ.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CBZ indicates a rather cheap valuation: CBZ is cheaper than 86.52% of the companies listed in the same industry.
- CBZ is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.51, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.13 | ||
| Fwd PE | 9.28 |
4.2 Price Multiples
- 77.53% of the companies in the same industry are more expensive than CBZ, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CBZ indicates a somewhat cheap valuation: CBZ is cheaper than 62.92% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.38 | ||
| EV/EBITDA | 10.44 |
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.
- A more expensive valuation may be justified as CBZ's earnings are expected to grow with 18.81% in the coming years.
PEG (NY)0.25
PEG (5Y)0.57
EPS Next 2Y21.93%
EPS Next 3Y18.81%
5. Dividend
5.1 Amount
- CBZ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
36.99
-3.6 (-8.87%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)02-12 2026-02-12/bmo
Inst Owners94.18%
Inst Owner Change0.78%
Ins Owners3.46%
Ins Owner Change0.18%
Market Cap2.01B
Revenue(TTM)2.68B
Net Income(TTM)104.14M
Analysts85.71
Price Target93.33 (152.31%)
Short Float %9.97%
Short Ratio6.77
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)0%
PT rev (3m)-3.68%
EPS NQ rev (1m)-10%
EPS NQ rev (3m)-27.74%
EPS NY rev (1m)0%
EPS NY rev (3m)0.09%
Revenue NQ rev (1m)-0.11%
Revenue NQ rev (3m)1.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.13 | ||
| Fwd PE | 9.28 | ||
| P/S | 0.75 | ||
| P/FCF | 23.38 | ||
| P/OCF | 19.28 | ||
| P/B | 1.08 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.44 |
EPS(TTM)4.05
EY10.95%
EPS(NY)3.98
Fwd EY10.77%
FCF(TTM)1.58
FCFY4.28%
OCF(TTM)1.92
OCFY5.19%
SpS49.18
BVpS34.41
TBVpS-18.64
PEG (NY)0.25
PEG (5Y)0.57
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 | 1.71 |
F-Score5
WACC6.96%
ROIC/WACC0.7
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 Y36.17%
EPS Next 2Y21.93%
EPS Next 3Y18.81%
EPS Next 5YN/A
Revenue 1Y (TTM)59.19%
Revenue growth 3Y17.96%
Revenue growth 5Y13.84%
Sales Q2Q%58.09%
Revenue Next Year58.86%
Revenue Next 2Y29.08%
Revenue Next 3Y20.45%
Revenue Next 5YN/A
EBIT growth 1Y63.25%
EBIT growth 3Y5.86%
EBIT growth 5Y8.74%
EBIT Next Year155.85%
EBIT Next 3Y40.58%
EBIT Next 5YN/A
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 7 / 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 9.13 and the Price/Book (PB) ratio is 1.08.
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 36.17% in the next year.