CBIZ INC (CBZ) Stock Fundamental Analysis
USA - NYSE:CBZ - US1248051021 - Common Stock
51.37 USD
-0.88 (-1.68%)
Taking everything into account, CBZ scores 5 out of 10 in our fundamental rating. CBZ was compared to 86 industry peers in the Professional Services industry. There are concerns on the financial health of CBZ while its profitability can be described as average. CBZ is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
CBZ had positive earnings in the past year.
In the past year CBZ had a positive cash flow from operations.
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
CBZ's Return On Assets of 2.40% is in line compared to the rest of the industry. CBZ outperforms 51.16% of its industry peers.
With a Return On Equity value of 5.77%, CBZ perfoms like the industry average, outperforming 51.16% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 4.75%, CBZ is in line with its industry, outperforming 45.35% 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 13.22%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 5.77% | ||
| ROIC | 4.75% |
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
With a Profit Margin value of 4.51%, CBZ perfoms like the industry average, outperforming 59.30% 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 10.75%. This is in the better half of the industry: CBZ outperforms 73.26% of its industry peers.
In the last couple of years the Operating Margin of CBZ has declined.
CBZ has a worse Gross Margin (13.70%) than 82.56% of its industry peers.
CBZ's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.75% | ||
| PM (TTM) | 4.51% | ||
| GM | 13.7% |
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.
The number of shares outstanding for CBZ has been increased compared to 1 year ago.
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 1.79. This is a bad value and indicates that CBZ is not financially healthy and even has some risk of bankruptcy.
CBZ has a worse Altman-Z score (1.79) than 62.79% of its industry peers.
CBZ has a debt to FCF ratio of 14.94. This is a negative value and a sign of low solvency as CBZ would need 14.94 years to pay back of all of its debts.
CBZ has a worse Debt to FCF ratio (14.94) than 61.63% of its industry peers.
CBZ has a Debt/Equity ratio of 0.79. This is a neutral value indicating CBZ is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.79, CBZ is not doing good in the industry: 62.79% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 14.94 | ||
| Altman-Z | 1.79 |
ROIC/WACC0.67
WACC7.12%
2.3 Liquidity
CBZ has a Current Ratio of 1.60. 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 Current ratio of 1.60 is in line compared to the rest of the industry. CBZ outperforms 59.30% of its industry peers.
A Quick Ratio of 1.60 indicates that CBZ should not have too much problems paying its short term obligations.
CBZ has a Quick ratio of 1.60. This is in the better half of the industry: CBZ outperforms 61.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.6 | ||
| Quick Ratio | 1.6 |
3. Growth
3.1 Past
CBZ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 59.02%, which is quite impressive.
CBZ shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.02% yearly.
The Revenue has grown by 46.49% in the past year. This is a very strong growth!
Measured over the past years, CBZ shows a quite strong growth in Revenue. The Revenue has been growing by 13.84% on average per year.
EPS 1Y (TTM)59.02%
EPS 3Y17.64%
EPS 5Y16.02%
EPS Q2Q%90%
Revenue 1Y (TTM)46.49%
Revenue growth 3Y17.96%
Revenue growth 5Y13.84%
Sales Q2Q%62.73%
3.2 Future
The Earnings Per Share is expected to grow by 19.84% on average over the next years. This is quite good.
Based on estimates for the next years, CBZ will show a very strong growth in Revenue. The Revenue will grow by 20.36% on average per year.
EPS Next Y36.56%
EPS Next 2Y23.47%
EPS Next 3Y19.84%
EPS Next 5YN/A
Revenue Next Year59.31%
Revenue Next 2Y30.02%
Revenue Next 3Y20.36%
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
A Price/Earnings ratio of 13.24 indicates a correct valuation of CBZ.
Compared to the rest of the industry, the Price/Earnings ratio of CBZ indicates a rather cheap valuation: CBZ is cheaper than 80.23% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.00, CBZ is valued rather cheaply.
The Price/Forward Earnings ratio is 12.62, which indicates a correct valuation of CBZ.
Based on the Price/Forward Earnings ratio, CBZ is valued a bit cheaper than the industry average as 70.93% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.87. CBZ is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.24 | ||
| Fwd PE | 12.62 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CBZ is valued a bit cheaper than the industry average as 68.60% of the companies are valued more expensively.
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 | 26.39 | ||
| EV/EBITDA | 12.83 |
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.
A more expensive valuation may be justified as CBZ's earnings are expected to grow with 19.84% in the coming years.
PEG (NY)0.36
PEG (5Y)0.83
EPS Next 2Y23.47%
EPS Next 3Y19.84%
5. Dividend
5.1 Amount
No dividends for CBZ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:CBZ (10/29/2025, 2:52:04 PM)
51.37
-0.88 (-1.68%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)
Earnings (Next)
Inst Owners95.18%
Inst Owner Change-0.21%
Ins Owners3.48%
Ins Owner Change0.98%
Market Cap2.77B
Revenue(TTM)2.42B
Net Income(TTM)109.08M
Analysts85.71
Price Target96.9 (88.63%)
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)9.58%
Min EPS beat(2)7.63%
Max EPS beat(2)11.53%
EPS beat(4)4
Avg EPS beat(4)11.64%
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)3.06%
EPS beat(16)12
Avg EPS beat(16)0.6%
Revenue beat(2)0
Avg Revenue beat(2)-3.54%
Min Revenue beat(2)-3.55%
Max Revenue beat(2)-3.52%
Revenue beat(4)1
Avg Revenue beat(4)0.85%
Min Revenue beat(4)-3.55%
Max Revenue beat(4)12.08%
Revenue beat(8)3
Avg Revenue beat(8)1.14%
Revenue beat(12)7
Avg Revenue beat(12)2.19%
Revenue beat(16)11
Avg Revenue beat(16)3.24%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0.93%
Revenue NQ rev (1m)-1.16%
Revenue NQ rev (3m)-2.43%
Revenue NY rev (1m)-0.56%
Revenue NY rev (3m)-1.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.24 | ||
| Fwd PE | 12.62 | ||
| P/S | 1.15 | ||
| P/FCF | 26.39 | ||
| P/OCF | 22.34 | ||
| P/B | 1.47 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.83 |
EPS(TTM)3.88
EY7.55%
EPS(NY)4.07
Fwd EY7.92%
FCF(TTM)1.95
FCFY3.79%
OCF(TTM)2.3
OCFY4.48%
SpS44.84
BVpS35.05
TBVpS-18.68
PEG (NY)0.36
PEG (5Y)0.83
Graham Number55.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.4% | ||
| ROE | 5.77% | ||
| ROCE | 6.61% | ||
| ROIC | 4.75% | ||
| ROICexc | 4.8% | ||
| ROICexgc | 18.78% | ||
| OM | 10.75% | ||
| PM (TTM) | 4.51% | ||
| GM | 13.7% | ||
| FCFM | 4.34% |
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 Turnover0.53
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 14.94 | ||
| Debt/EBITDA | 4.43 | ||
| Cap/Depr | 24.16% | ||
| Cap/Sales | 0.79% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 36.6% | ||
| Profit Quality | 96.32% | ||
| Current Ratio | 1.6 | ||
| Quick Ratio | 1.6 | ||
| Altman-Z | 1.79 |
F-Score5
WACC7.12%
ROIC/WACC0.67
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)59.02%
EPS 3Y17.64%
EPS 5Y16.02%
EPS Q2Q%90%
EPS Next Y36.56%
EPS Next 2Y23.47%
EPS Next 3Y19.84%
EPS Next 5YN/A
Revenue 1Y (TTM)46.49%
Revenue growth 3Y17.96%
Revenue growth 5Y13.84%
Sales Q2Q%62.73%
Revenue Next Year59.31%
Revenue Next 2Y30.02%
Revenue Next 3Y20.36%
Revenue Next 5YN/A
EBIT growth 1Y61.52%
EBIT growth 3Y5.86%
EBIT growth 5Y8.74%
EBIT Next Year156.31%
EBIT Next 3Y41.05%
EBIT Next 5YN/A
FCF growth 1Y-5.03%
FCF growth 3Y-3.22%
FCF growth 5Y5.61%
OCF growth 1Y-2.53%
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 4 / 10 to CBZ.
What is the valuation status for CBZ stock?
ChartMill assigns a valuation rating of 5 / 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 13.24 and the Price/Book (PB) ratio is 1.47.