(CBZ) CBIZ - Overview
Stock: Accounting, Tax, Advisory, Insurance, Consulting
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 45.1% |
| Relative Tail Risk | -9.21% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.85 |
| Alpha | -68.43 |
| Character TTM | |
|---|---|
| Beta | 0.704 |
| Beta Downside | 0.484 |
| Drawdowns 3y | |
|---|---|
| Max DD | 58.27% |
| CAGR/Max DD | -0.13 |
Description: CBZ CBIZ January 10, 2026
CBIZ, Inc. (NYSE: CBZ) is a diversified professional services firm that delivers financial, insurance, and advisory solutions across the United States and Canada. It operates through three segments: Financial Services (accounting, tax, financial advisory, government-healthcare consulting, and national technology); Benefits and Insurance Services (employee-benefits consulting, payroll/human-capital management, property-and-casualty insurance, and retirement/investment services); and National Practices (managed IT networking and hardware services). The firm’s client base is weighted toward small- and medium-sized enterprises, with additional exposure to government entities, nonprofits, and individual customers. CBIZ was founded in 1987 and is headquartered in Independence, Ohio.
Key recent metrics (as of FY 2024 Q4): revenue of $1.74 billion, up 4.2 % year-over-year, driven primarily by a 6 % rise in the Benefits and Insurance Services segment; adjusted EBITDA margin stabilized around 12.5 % after a 2023 dip due to higher payroll-processing costs. The professional-services sector is benefiting from a broader macro trend of increased outsourcing of back-office functions by SMBs, while rising interest-rate environments boost demand for tax-planning and cash-management advisory work.
If you’re looking for a deeper quantitative view, ValueRay’s platform offers granular valuation multiples and scenario analysis that can help you assess CBZ’s upside potential.
Piotroski VR‑10 (Strict, 0-10) 1.5
| Net Income: 104.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -4.84 > 1.0 |
| NWC/Revenue: 13.59% < 20% (prev 13.26%; Δ 0.33% < -1%) |
| CFO/TA 0.02 > 3% & CFO 104.4m > Net Income 104.1m |
| Net Debt (1.94b) to EBITDA (445.5m): 4.35 < 3 |
| Current Ratio: 1.57 > 1.5 & < 3 |
| Outstanding Shares: last quarter (63.6m) vs 12m ago 26.21% < -2% |
| Gross Margin: 12.87% > 18% (prev 0.14%; Δ 1273 % > 0.5%) |
| Asset Turnover: 80.13% > 50% (prev 78.78%; Δ 1.34% > 0%) |
| Interest Coverage Ratio: 1.71 > 6 (EBITDA TTM 445.5m / Interest Expense TTM 206.0m) |
Altman Z'' 2.44
| A: 0.08 (Total Current Assets 1.01b - Total Current Liabilities 641.8m) / Total Assets 4.55b |
| B: 0.24 (Retained Earnings 1.09b / Total Assets 4.55b) |
| C: 0.11 (EBIT TTM 351.8m / Avg Total Assets 3.34b) |
| D: 0.41 (Book Value of Equity 1.09b / Total Liabilities 2.67b) |
| Altman-Z'' Score: 2.44 = A |
Beneish M -2.46
| DSRI: 0.95 (Receivables 719.6m/476.6m, Revenue 2.68b/1.68b) |
| GMI: 1.07 (GM 12.87% / 13.75%) |
| AQI: 1.21 (AQ_t 0.68 / AQ_t-1 0.56) |
| SGI: 1.59 (Revenue 2.68b / 1.68b) |
| TATA: -0.00 (NI 104.1m - CFO 104.4m) / TA 4.55b) |
| Beneish M-Score: -2.46 (Cap -4..+1) = BBB |
What is the price of CBZ shares?
Over the past week, the price has changed by -2.74%, over one month by -28.67%, over three months by -28.57% and over the past year by -56.83%.
Is CBZ a buy, sell or hold?
- StrongBuy: 2
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the CBZ price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 67.5 | 76.4% |
| Analysts Target Price | 67.5 | 76.4% |
| ValueRay Target Price | 32.5 | -15.2% |
CBZ Fundamental Data Overview February 05, 2026
P/E Forward = 16.5289
P/S = 0.7627
P/B = 1.0751
P/EG = 1.3
Revenue TTM = 2.68b USD
EBIT TTM = 351.8m USD
EBITDA TTM = 445.5m USD
Long Term Debt = 1.50b USD (from longTermDebt, last quarter)
Short Term Debt = 130.5m USD (from shortTermDebt, last quarter)
Debt = 1.96b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.94b USD (from netDebt column, last quarter)
Enterprise Value = 3.98b USD (2.04b + Debt 1.96b - CCE 17.0m)
Interest Coverage Ratio = 1.71 (Ebit TTM 351.8m / Interest Expense TTM 206.0m)
EV/FCF = 39.35x (Enterprise Value 3.98b / FCF TTM 101.1m)
FCF Yield = 2.54% (FCF TTM 101.1m / Enterprise Value 3.98b)
FCF Margin = 3.78% (FCF TTM 101.1m / Revenue TTM 2.68b)
Net Margin = 3.89% (Net Income TTM 104.1m / Revenue TTM 2.68b)
Gross Margin = 12.87% ((Revenue TTM 2.68b - Cost of Revenue TTM 2.33b) / Revenue TTM)
Gross Margin QoQ = 12.99% (prev 12.86%)
Tobins Q-Ratio = 0.88 (Enterprise Value 3.98b / Total Assets 4.55b)
Interest Expense / Debt = 6.85% (Interest Expense 134.0m / Debt 1.96b)
Taxrate = 25.39% (10.3m / 40.4m)
NOPAT = 262.4m (EBIT 351.8m * (1 - 25.39%))
Current Ratio = 1.57 (Total Current Assets 1.01b / Total Current Liabilities 641.8m)
Debt / Equity = 1.04 (Debt 1.96b / totalStockholderEquity, last quarter 1.87b)
Debt / EBITDA = 4.35 (Net Debt 1.94b / EBITDA 445.5m)
Debt / FCF = 19.17 (Net Debt 1.94b / FCF TTM 101.1m)
Total Stockholder Equity = 1.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.12% (Net Income 104.1m / Total Assets 4.55b)
RoE = 5.59% (Net Income TTM 104.1m / Total Stockholder Equity 1.86b)
RoCE = 10.45% (EBIT 351.8m / Capital Employed (Equity 1.86b + L.T.Debt 1.50b))
RoIC = 7.77% (NOPAT 262.4m / Invested Capital 3.38b)
WACC = 6.85% (E(2.04b)/V(4.00b) * Re(8.51%) + D(1.96b)/V(4.00b) * Rd(6.85%) * (1-Tc(0.25)))
Discount Rate = 8.51% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 13.02%
[DCF Debug] Terminal Value 82.35% ; FCFF base≈121.0m ; Y1≈119.6m ; Y5≈123.8m
Fair Price DCF = 16.07 (EV 2.81b - Net Debt 1.94b = Equity 874.4m / Shares 54.4m; r=6.85% [WACC]; 5y FCF grow -1.93% → 2.90% )
EPS Correlation: 3.16 | EPS CAGR: -32.64% | SUE: 2.39 | # QB: 1
Revenue Correlation: 81.45 | Revenue CAGR: 32.31% | SUE: -0.63 | # QB: 0
EPS next Quarter (2026-03-31): EPS=2.37 | Chg30d=+0.035 | Revisions Net=-1 | Analysts=3
EPS next Year (2026-12-31): EPS=3.85 | Chg30d=-0.168 | Revisions Net=-1 | Growth EPS=+6.4% | Growth Revenue=+3.9%