CBIZ INC (CBZ) Stock Fundamental Analysis
USA - NYSE:CBZ - US1248051021 - Common Stock
52.18 USD
+0.43 (+0.83%)
Overall CBZ gets a fundamental rating of 5 out of 10. We evaluated CBZ against 86 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 not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year CBZ was profitable.
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 2.29% is in line compared to the rest of the industry. CBZ outperforms 48.84% of its industry peers.
CBZ has a Return On Equity (5.56%) which is in line with its industry peers.
CBZ has a Return On Invested Capital of 4.91%. This is comparable to the rest of the industry: CBZ outperforms 47.67% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CBZ is significantly below the industry average of 22.50%.
| 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 55.81% of the companies in the same industry.
CBZ's Profit Margin has declined in the last couple of years.
With a decent Operating Margin value of 9.96%, CBZ is doing good in the industry, outperforming 72.09% of the companies in the same industry.
CBZ's Operating Margin has declined in the last couple of years.
CBZ has a Gross Margin of 13.02%. This is amonst the worse of the industry: CBZ underperforms 81.40% of its industry peers.
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
CBZ has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
CBZ has more shares outstanding than it did 1 year ago.
CBZ has less shares outstanding than it did 5 years ago.
CBZ has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 1.84 indicates that CBZ is not a great score, but indicates only limited risk for bankruptcy at the moment.
CBZ has a Altman-Z score of 1.84. This is in the lower half of the industry: CBZ underperforms 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.
CBZ has a worse Debt to FCF ratio (18.23) than 61.63% of its industry peers.
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 62.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 18.23 | ||
| Altman-Z | 1.84 |
ROIC/WACC0.68
WACC7.19%
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 comparable to the rest of the industry.
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 (1.57) which is in line with 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 55.17% 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 16.02% yearly.
Looking at the last year, CBZ shows a very strong growth in Revenue. The Revenue has grown by 59.19%.
The Revenue has been growing by 13.84% on average over the past years. This is quite good.
EPS 1Y (TTM)55.17%
EPS 3Y17.64%
EPS 5Y16.02%
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 21.57% yearly.
CBZ is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.37% yearly.
EPS Next Y36.68%
EPS Next 2Y23.21%
EPS Next 3Y21.57%
EPS Next 5YN/A
Revenue Next Year58.86%
Revenue Next 2Y29.85%
Revenue Next 3Y20.37%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
Based on the Price/Earnings ratio of 12.88, the valuation of CBZ can be described as correct.
Based on the Price/Earnings ratio, CBZ is valued cheaply inside the industry as 80.23% of the companies are valued more expensively.
CBZ's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.28.
A Price/Forward Earnings ratio of 12.87 indicates a correct valuation of CBZ.
73.26% of the companies in the same industry are more expensive than CBZ, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 33.61. CBZ is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.88 | ||
| Fwd PE | 12.87 |
4.2 Price Multiples
CBZ's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CBZ is cheaper than 72.09% of the companies in the same industry.
CBZ's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 32.72 | ||
| EV/EBITDA | 12.06 |
4.3 Compensation for Growth
CBZ's 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 21.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)0.8
EPS Next 2Y23.21%
EPS Next 3Y21.57%
5. Dividend
5.1 Amount
No dividends for CBZ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:CBZ (11/11/2025, 2:17:55 PM)
52.18
+0.43 (+0.83%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)
Earnings (Next)
Inst Owners95.18%
Inst Owner Change-2.02%
Ins Owners3.48%
Ins Owner Change0.98%
Market Cap2.82B
Revenue(TTM)2.68B
Net Income(TTM)104.14M
Analysts85.71
Price Target96.9 (85.7%)
Short Float %9.09%
Short Ratio7.46
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)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)4.49%
EPS beat(12)9
Avg EPS beat(12)2.93%
EPS beat(16)12
Avg EPS beat(16)-1.28%
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)0%
EPS NQ rev (1m)-16.13%
EPS NQ rev (3m)-20%
EPS NY rev (1m)0.09%
EPS NY rev (3m)1.02%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)-0.84%
Revenue NY rev (3m)-1.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.88 | ||
| Fwd PE | 12.87 | ||
| P/S | 1.05 | ||
| P/FCF | 32.72 | ||
| P/OCF | 26.99 | ||
| P/B | 1.5 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.06 |
EPS(TTM)4.05
EY7.76%
EPS(NY)4.05
Fwd EY7.77%
FCF(TTM)1.59
FCFY3.06%
OCF(TTM)1.93
OCFY3.71%
SpS49.57
BVpS34.68
TBVpS-18.78
PEG (NY)0.35
PEG (5Y)0.8
Graham Number56.21
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 | 1.84 |
F-Score5
WACC7.19%
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)55.17%
EPS 3Y17.64%
EPS 5Y16.02%
EPS Q2Q%20.24%
EPS Next Y36.68%
EPS Next 2Y23.21%
EPS Next 3Y21.57%
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 Year156.31%
EBIT Next 3Y41.05%
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 for 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.
Can you provide the PE and PB ratios for CBZ stock?
The Price/Earnings (PE) ratio for CBIZ INC (CBZ) is 12.88 and the Price/Book (PB) ratio is 1.5.