CBIZ INC (CBZ) Stock Fundamental Analysis
NYSE:CBZ - New York Stock Exchange, Inc. - US1248051021 - Common Stock - Currency: USD
We assign a fundamental rating of 5 out of 10 to CBZ. CBZ was compared to 82 industry peers in the Professional Services industry. CBZ has only an average score on both its financial health and profitability. CBZ is valued quite expensive, but it does show an excellent growth. With these ratings, CBZ could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
In the past year CBZ was profitable.
In the past year CBZ had a positive cash flow from operations.
In the past 5 years CBZ has always been profitable.
CBZ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of CBZ (5.58%) is better than 60.76% of its industry peers.
CBZ has a Return On Equity (12.83%) which is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 7.15%, CBZ is in line with its industry, outperforming 51.90% of the companies in the same industry.
CBZ had an Average Return On Invested Capital over the past 3 years of 7.99%. This is significantly below the industry average of 13.46%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.58% | ||
| ROE | 12.83% | ||
| ROIC | 7.15% |
ROA(3y)5.29%
ROA(5y)5.22%
ROE(3y)13.37%
ROE(5y)12.4%
ROIC(3y)7.99%
ROIC(5y)7.14%
1.3 Margins
CBZ's Profit Margin of 7.08% is fine compared to the rest of the industry. CBZ outperforms 74.68% of its industry peers.
CBZ's Profit Margin has improved in the last couple of years.
The Operating Margin of CBZ (9.71%) is better than 72.15% of its industry peers.
CBZ's Operating Margin has been stable in the last couple of years.
CBZ has a Gross Margin of 13.83%. This is amonst the worse of the industry: CBZ underperforms 89.87% of its industry peers.
CBZ's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 9.71% | ||
| PM (TTM) | 7.08% | ||
| GM | 13.83% |
OM growth 3Y3.37%
OM growth 5Y1.08%
PM growth 3Y-2.18%
PM growth 5Y2.62%
GM growth 3Y-0.52%
GM growth 5Y-0.19%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CBZ is destroying value.
CBZ has less shares outstanding than it did 1 year ago.
The number of shares outstanding for CBZ has been reduced compared to 5 years ago.
Compared to 1 year ago, CBZ has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 3.98 indicates that CBZ is not in any danger for bankruptcy at the moment.
With a decent Altman-Z score value of 3.98, CBZ is doing good in the industry, outperforming 73.42% of the companies in the same industry.
The Debt to FCF ratio of CBZ is 2.24, which is a good value as it means it would take CBZ, 2.24 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.24, CBZ is in the better half of the industry, outperforming 70.89% of the companies in the same industry.
CBZ has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
CBZ has a Debt to Equity ratio (0.36) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 2.24 | ||
| Altman-Z | 3.98 |
ROIC/WACC0.77
WACC9.32%
2.3 Liquidity
CBZ has a Current Ratio of 1.49. This is a normal value and indicates that CBZ is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of CBZ (1.49) is comparable to the rest of the industry.
CBZ has a Quick Ratio of 1.49. 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 1.49, CBZ perfoms like the industry average, outperforming 51.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.49 | ||
| Quick Ratio | 1.49 |
3. Growth
3.1 Past
CBZ shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.73%.
CBZ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.90% yearly.
CBZ shows a small growth in Revenue. In the last year, the Revenue has grown by 7.83%.
The Revenue has been growing by 11.53% on average over the past years. This is quite good.
EPS 1Y (TTM)3.73%
EPS 3Y19.07%
EPS 5Y16.9%
EPS Q2Q%25.37%
Revenue 1Y (TTM)7.83%
Revenue growth 3Y18.19%
Revenue growth 5Y11.53%
Sales Q2Q%6.9%
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 13.11% on average per year.
The Revenue is expected to grow by 20.61% on average over the next years. This is a very strong growth
EPS Next Y13.09%
EPS Next 2Y14.23%
EPS Next 3Y13.11%
EPS Next 5YN/A
Revenue Next Year11.9%
Revenue Next 2Y18.53%
Revenue Next 3Y20.61%
Revenue Next 5YN/A
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.
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
The Price/Earnings ratio is 34.39, which means the current valuation is very expensive for CBZ.
64.56% of the companies in the same industry are cheaper than CBZ, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.51, CBZ is valued a bit more expensive.
CBZ is valuated quite expensively with a Price/Forward Earnings ratio of 27.68.
60.76% of the companies in the same industry are cheaper than CBZ, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 93.88. CBZ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.39 | ||
| Fwd PE | 27.68 |
4.2 Price Multiples
64.56% of the companies in the same industry are cheaper 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 is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.62 | ||
| EV/EBITDA | 23.27 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CBZ does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as CBZ's earnings are expected to grow with 13.11% in the coming years.
PEG (NY)2.63
PEG (5Y)2.03
EPS Next 2Y14.23%
EPS Next 3Y13.11%
5. Dividend
5.1 Amount
No dividends for CBZ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CBIZ INC
NYSE:CBZ (1/31/2025, 9:30:01 AM)
85.97
-0.58 (-0.67%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)
Earnings (Next)
Inst Owners93.04%
Inst Owner Change0.12%
Ins Owners4.57%
Ins Owner Change-8.62%
Market Cap4.31B
Analysts85.71
Price Target98.94 (15.09%)
Short Float %2.87%
Short Ratio4.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-16.79%
Min EPS beat(2)-43.49%
Max EPS beat(2)9.91%
EPS beat(4)3
Avg EPS beat(4)-7.04%
Min EPS beat(4)-43.49%
Max EPS beat(4)9.91%
EPS beat(8)5
Avg EPS beat(8)-3.62%
EPS beat(12)8
Avg EPS beat(12)-7.05%
EPS beat(16)12
Avg EPS beat(16)7.45%
Revenue beat(2)0
Avg Revenue beat(2)-1.66%
Min Revenue beat(2)-1.71%
Max Revenue beat(2)-1.62%
Revenue beat(4)1
Avg Revenue beat(4)0.33%
Min Revenue beat(4)-1.71%
Max Revenue beat(4)4.95%
Revenue beat(8)5
Avg Revenue beat(8)1.55%
Revenue beat(12)9
Avg Revenue beat(12)3.24%
Revenue beat(16)13
Avg Revenue beat(16)3.8%
PT rev (1m)0%
PT rev (3m)16.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.52%
EPS NY rev (1m)0%
EPS NY rev (3m)0.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)15.35%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-17.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.39 | ||
| Fwd PE | 27.68 | ||
| P/S | 2.57 | ||
| P/FCF | 28.62 | ||
| P/OCF | 26.24 | ||
| P/B | 4.65 | ||
| P/tB | N/A | ||
| EV/EBITDA | 23.27 |
EPS(TTM)2.5
EY2.91%
EPS(NY)3.11
Fwd EY3.61%
FCF(TTM)3
FCFY3.49%
OCF(TTM)3.28
OCFY3.81%
SpS33.49
BVpS18.49
TBVpS-2.04
PEG (NY)2.63
PEG (5Y)2.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.58% | ||
| ROE | 12.83% | ||
| ROCE | 9.71% | ||
| ROIC | 7.15% | ||
| ROICexc | 7.16% | ||
| ROICexgc | 18.51% | ||
| OM | 9.71% | ||
| PM (TTM) | 7.08% | ||
| GM | 13.83% | ||
| FCFM | 8.97% |
ROA(3y)5.29%
ROA(5y)5.22%
ROE(3y)13.37%
ROE(5y)12.4%
ROIC(3y)7.99%
ROIC(5y)7.14%
ROICexc(3y)8.02%
ROICexc(5y)7.16%
ROICexgc(3y)25.65%
ROICexgc(5y)22.16%
ROCE(3y)10.86%
ROCE(5y)9.7%
ROICexcg growth 3Y9.81%
ROICexcg growth 5Y-4.54%
ROICexc growth 3Y10.61%
ROICexc growth 5Y0.58%
OM growth 3Y3.37%
OM growth 5Y1.08%
PM growth 3Y-2.18%
PM growth 5Y2.62%
GM growth 3Y-0.52%
GM growth 5Y-0.19%
F-Score7
Asset Turnover0.79
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 2.24 | ||
| Debt/EBITDA | 1.68 | ||
| Cap/Depr | 36.06% | ||
| Cap/Sales | 0.81% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 81.74% | ||
| Profit Quality | 126.66% | ||
| Current Ratio | 1.49 | ||
| Quick Ratio | 1.49 | ||
| Altman-Z | 3.98 |
F-Score7
WACC9.32%
ROIC/WACC0.77
Cap/Depr(3y)40.97%
Cap/Depr(5y)47.09%
Cap/Sales(3y)0.96%
Cap/Sales(5y)1.11%
Profit Quality(3y)130.56%
Profit Quality(5y)136.72%
High Growth Momentum
Growth
EPS 1Y (TTM)3.73%
EPS 3Y19.07%
EPS 5Y16.9%
EPS Q2Q%25.37%
EPS Next Y13.09%
EPS Next 2Y14.23%
EPS Next 3Y13.11%
EPS Next 5YN/A
Revenue 1Y (TTM)7.83%
Revenue growth 3Y18.19%
Revenue growth 5Y11.53%
Sales Q2Q%6.9%
Revenue Next Year11.9%
Revenue Next 2Y18.53%
Revenue Next 3Y20.61%
Revenue Next 5YN/A
EBIT growth 1Y-7.69%
EBIT growth 3Y22.16%
EBIT growth 5Y12.74%
EBIT Next Year27.2%
EBIT Next 3Y30.62%
EBIT Next 5YN/A
FCF growth 1Y48.23%
FCF growth 3Y-1.18%
FCF growth 5Y7.56%
OCF growth 1Y49.11%
OCF growth 3Y1.5%
OCF growth 5Y7.85%