CBIZ INC (CBZ) Fundamental Analysis & Valuation
NYSE:CBZ • US1248051021
26.31 USD
+0.27 (+1.04%)
Last: Mar 11, 2026, 02:25 PM
This CBZ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
CBZ gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 87 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. 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.
- Each year in the past 5 years CBZ has been profitable.
- CBZ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- CBZ's Return On Assets of 2.62% is in line compared to the rest of the industry. CBZ outperforms 47.13% of its industry peers.
- The Return On Equity of CBZ (6.55%) is comparable to the rest of the industry.
- With a Return On Invested Capital value of 5.82%, CBZ perfoms like the industry average, 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 12.78%.
- 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
- Looking at the Profit Margin, with a value of 4.19%, CBZ is in line with its industry, 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.
- CBZ has a worse Gross Margin (12.89%) than 81.61% of its industry peers.
- CBZ's Gross Margin has declined in the last couple of years.
| 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.
- Compared to 5 years ago, CBZ has more shares outstanding
- Compared to 1 year ago, CBZ has a worse debt to assets ratio.
2.2 Solvency
- CBZ has an Altman-Z score of 1.51. This is a bad value and indicates that CBZ is not financially healthy and even has some risk of bankruptcy.
- CBZ's Altman-Z score of 1.51 is on the low side compared to the rest of the industry. CBZ is outperformed by 64.37% of its industry peers.
- 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 comparable to the rest of the industry.
- CBZ has a Debt/Equity ratio of 0.80. This is a neutral value indicating CBZ is somewhat dependend on debt financing.
- With a Debt to Equity ratio value of 0.80, CBZ is not doing good in the industry: 64.37% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 8.37 | ||
| Altman-Z | 1.51 |
ROIC/WACC0.74
WACC7.85%
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: 62.07% of the companies in the same industry are doing better.
- A Quick Ratio of 1.22 indicates that CBZ should not have too much problems paying its short term obligations.
- CBZ has a Quick ratio of 1.22. This is in the lower half of the industry: CBZ underperforms 62.07% 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.
- The Revenue has grown by 52.08% in the past year. This is a very strong growth!
- Measured over the past years, CBZ shows a very strong growth in Revenue. The Revenue has been growing by 23.40% on average per year.
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.
- The Revenue is expected to grow by 2.46% on average over the next years.
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 3YN/A
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
- Based on the Price/Earnings ratio of 7.41, the valuation of CBZ can be described as very cheap.
- Based on the Price/Earnings ratio, CBZ is valued cheaply inside the industry as 89.66% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of CBZ to the average of the S&P500 Index (26.25), we can say CBZ is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 6.91, 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 94.25% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.39. CBZ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.41 | ||
| Fwd PE | 6.91 |
4.2 Price Multiples
- CBZ's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CBZ is cheaper than 79.31% of the companies in the same industry.
- CBZ's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CBZ is cheaper than 86.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.51 | ||
| EV/EBITDA | 6.93 |
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)1.02
PEG (5Y)0.37
EPS Next 2Y8.49%
EPS Next 3YN/A
5. CBZ Dividend Analysis
5.1 Amount
- No dividends for CBZ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
CBZ Fundamentals: All Metrics, Ratios and Statistics
NYSE:CBZ (3/11/2026, 2:25:13 PM)
26.31
+0.27 (+1.04%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-25 2026-02-25/amc
Earnings (Next)04-22 2026-04-22
Inst Owners108.72%
Inst Owner Change14.23%
Ins Owners3.8%
Ins Owner Change1.11%
Market Cap1.32B
Revenue(TTM)2.76B
Net Income(TTM)115.44M
Analysts80
Price Target68.85 (161.69%)
Short Float %10.03%
Short Ratio4.39
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)0%
PT rev (3m)-26.23%
EPS NQ rev (1m)-2.84%
EPS NQ rev (3m)-2.42%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.41 | ||
| Fwd PE | 6.91 | ||
| P/S | 0.48 | ||
| P/FCF | 7.51 | ||
| P/OCF | 6.84 | ||
| P/B | 0.75 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.93 |
EPS(TTM)3.55
EY13.49%
EPS(NY)3.81
Fwd EY14.47%
FCF(TTM)3.51
FCFY13.32%
OCF(TTM)3.84
OCFY14.61%
SpS55.08
BVpS35.19
TBVpS-22.12
PEG (NY)1.02
PEG (5Y)0.37
Graham Number53.02
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 | 1.51 |
F-Score8
WACC7.85%
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)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 3YN/A
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 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 7.41 and the Price/Book (PB) ratio is 0.75.
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.