CBIZ INC (CBZ) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CBZ - US1248051021 - Common Stock
50.45 USD
-0.84 (-1.64%)
50.45 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to CBZ. CBZ was compared to 86 industry peers in the Professional Services industry. While CBZ is still in line with the averages on profitability rating, there are concerns on its financial health. CBZ is growing strongly while it is still valued neutral. This is a good combination!
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.
Each year in the past 5 years CBZ has been profitable.
In the past 5 years CBZ always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.29%, CBZ is in line with its industry, outperforming 50.00% of the companies in the same industry.
With a Return On Equity value of 5.56%, CBZ perfoms like the industry average, outperforming 47.67% of the companies in the same industry.
CBZ has a Return On Invested Capital (4.91%) which is comparable to the rest of the 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 12.04%.
| 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
CBZ has a Profit Margin of 3.89%. This is comparable to the rest of the industry: CBZ outperforms 55.81% of its industry peers.
CBZ's Profit Margin has declined in the last couple of years.
CBZ has a better Operating Margin (9.96%) than 69.77% of its industry peers.
In the last couple of years the Operating Margin of CBZ has declined.
Looking at the Gross Margin, with a value of 13.02%, CBZ is doing worse than 81.40% of the companies in the same industry.
CBZ's Gross Margin has declined in the last couple of years.
| 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
Compared to 5 years ago, CBZ has less shares outstanding
CBZ has a worse debt/assets ratio than last year.
2.2 Solvency
CBZ has an Altman-Z score of 1.83. This is not the best score and indicates that CBZ is in the grey zone with still only limited risk for bankruptcy at the moment.
CBZ's Altman-Z score of 1.83 is on the low side compared to the rest of the industry. CBZ is outperformed by 60.47% of its industry peers.
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.
With a Debt to FCF ratio value of 18.23, CBZ perfoms like the industry average, outperforming 40.70% of the companies in the same industry.
A Debt/Equity ratio of 0.80 indicates that CBZ is somewhat dependend on debt financing.
CBZ has a worse Debt to Equity ratio (0.80) than 61.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 18.23 | ||
| Altman-Z | 1.83 |
ROIC/WACC0.68
WACC7.22%
2.3 Liquidity
CBZ has a Current 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 has a Current ratio (1.57) which is in line with 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 has a Quick ratio of 1.57. This is comparable to the rest of the industry: CBZ outperforms 55.81% 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.
CBZ shows a strong growth in Revenue. In the last year, 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 a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.42% yearly.
Based on estimates for the next years, CBZ will show a very strong growth in Revenue. The Revenue will grow by 20.37% on average per year.
EPS Next Y36.17%
EPS Next 2Y22.98%
EPS Next 3Y21.42%
EPS Next 5YN/A
Revenue Next Year58.86%
Revenue Next 2Y29.85%
Revenue Next 3Y20.37%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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 correctly with a Price/Earnings ratio of 12.46.
Compared to the rest of the industry, the Price/Earnings ratio of CBZ indicates a rather cheap valuation: CBZ is cheaper than 81.40% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of CBZ to the average of the S&P500 Index (26.51), we can say CBZ is valued rather cheaply.
With a Price/Forward Earnings ratio of 12.45, CBZ is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CBZ indicates a somewhat cheap valuation: CBZ is cheaper than 76.74% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, CBZ is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.46 | ||
| Fwd PE | 12.45 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CBZ is valued a bit cheaper than 69.77% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as CBZ.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.89 | ||
| EV/EBITDA | 11.93 |
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.
CBZ's earnings are expected to grow with 21.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.34
PEG (5Y)0.77
EPS Next 2Y22.98%
EPS Next 3Y21.42%
5. Dividend
5.1 Amount
CBZ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
50.45
-0.84 (-1.64%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)
Earnings (Next)
Inst Owners94.14%
Inst Owner Change3.55%
Ins Owners3.46%
Ins Owner Change0.18%
Market Cap2.74B
Revenue(TTM)2.68B
Net Income(TTM)104.14M
Analysts85.71
Price Target93.33 (85%)
Short Float %10.02%
Short Ratio7.76
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)0%
EPS NQ rev (3m)-15.38%
EPS NY rev (1m)0%
EPS NY rev (3m)0.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.46 | ||
| Fwd PE | 12.45 | ||
| P/S | 1.03 | ||
| P/FCF | 31.89 | ||
| P/OCF | 26.3 | ||
| P/B | 1.47 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.93 |
EPS(TTM)4.05
EY8.03%
EPS(NY)4.05
Fwd EY8.03%
FCF(TTM)1.58
FCFY3.14%
OCF(TTM)1.92
OCFY3.8%
SpS49.18
BVpS34.41
TBVpS-18.64
PEG (NY)0.34
PEG (5Y)0.77
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 | 1.83 |
F-Score5
WACC7.22%
ROIC/WACC0.68
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 2Y22.98%
EPS Next 3Y21.42%
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 2Y29.85%
Revenue Next 3Y20.37%
Revenue Next 5YN/A
EBIT growth 1Y63.25%
EBIT growth 3Y5.86%
EBIT growth 5Y8.74%
EBIT Next Year155.68%
EBIT Next 3Y41.71%
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 6 / 10 to CBIZ INC (CBZ). This can be considered as Fairly Valued.
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 12.46 and the Price/Book (PB) ratio is 1.47.
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.