CBZ Stock Analysis: CBIZ | NYSE
Specialty Business Services | NYSE, USA | Market Cap: 2.027m USD | 12M Return: -44.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 26.1M
EPS Trend: 91.2%
Qual. Beats: 1
Rev. Trend: 95.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
CBIZ, Inc. is a U.S.-based professional services firm that delivers financial, insurance, and advisory solutions across three operating segments: Financial Services, Benefits and Insurance Services, and National Practices. Its Financial Services segment covers accounting and tax, financial advisory, technology, and government healthcare consulting, while the Benefits and Insurance Services segment offers employee benefits consulting, payroll and human capital management, property and casualty insurance, and retirement and investment services. The National Practices segment provides IT managed networking and hardware services, rounding out a diversified service portfolio.
The company primarily serves small and medium-sized businesses, along with individuals, governmental entities, and not-for-profit enterprises. CBIZ was incorporated in 1987 and is headquartered in Independence, Ohio, and trades on the NYSE under the ticker CBZ.
As a member of the Research & Consulting Services sub-industry within the broader Industrials sector, CBIZ operates in a fragmented professional services market where firms compete alongside accounting giants, boutique consultancies, and benefits brokers. Its multi-segment structure allows cross-selling between traditional accounting work and higher-margin advisory offerings such as benefits consulting and healthcare consulting for government clients.
- Acquisition pipeline drives mid-single-digit organic and inorganic revenue growth
- Interest rate moves pressure Benefits and Insurance segment margin
- Small business hiring trends boost payroll and benefits consulting demand
| Net Income: 154.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 3.31 > 1.0 |
| NWC/Revenue: 5.14% < 20% (prev 15.89%; Δ -10.75% < -1%) |
| CFO/TA 0.06 > 3% & CFO 255.2m > Net Income 154.3m |
| Net Debt (2.42b) to EBITDA (523.6m): 4.61 < 3 |
| Current Ratio: 1.22 > 1.5 & < 3 |
| Outstanding Shares: last quarter (61.5m) vs 12m ago -4.06% < -2% |
| Gross Margin: 12.76% > 18% (prev 13.57%; Δ -0.81% > 0.5%) |
| Asset Turnover: 60.09% > 50% (prev 47.04%; Δ 13.04% > 0%) |
| Interest Coverage Ratio: 2.01 > 6 (EBIT TTM 426.4m / Interest Expense TTM 212.0m) |
| A: 0.03 (Total Current Assets 798.2m - Total Current Liabilities 655.9m) / Total Assets 4.63b |
| B: 0.25 (Retained Earnings 1.17b / Total Assets 4.63b) |
| C: 0.09 (EBIT TTM 426.4m / Avg Total Assets 4.61b) |
| D: 0.69 (Book Value of Equity 1.89b / Total Liabilities 2.74b) |
| Altman-Z'' = 2.38 = BBB |
| DSRI: 0.82 (Receivables 769.4m/735.4m, Revenue 2.77b/2.16b) |
| GMI: 1.06 (GM 13.57% / 12.76%) |
| AQI: 1.07 (AQ_t 0.72 / AQ_t-1 0.68) |
| SGI: 1.28 (Revenue 2.77b / 2.16b) |
| TATA: -0.02 (NI 154.3m - CFO 255.2m) / TA 4.63b) |
| Beneish M = -2.88 (Cap -4..+1) = A |
As of July 14, 2026, the stock is trading at USD 40.47 with a total of 670,524 shares traded. Over the past week, the price has changed by +14.45%, over one month by +19.38%, over three months by +40.42% and over the past year by -44.42%.
Current recommended Stop Loss: 38.20 (which is 5.6% or 1.3 ATR below the current price).
CBIZ has received a consensus analysts rating of 4.67. Therefore, it is recommended to buy CBZ.
- StrongBuy: 2
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 42.6 | 5.3% |
P/E Trailing = 14.8196
P/E Forward = 9.0253
P/S = 0.7323
P/B = 1.0431
P/EG = 0.9027
Revenue TTM = 2.77b USD
EBIT TTM = 426.4m USD
EBITDA TTM = 523.6m USD
Long Term Debt = 1.46b USD (from longTermDebt, last quarter)
Short Term Debt = 133.8m USD (from shortTermDebt, last quarter)
Debt = 2.44b USD (from shortLongTermDebtTotal, last quarter) + Leases 454.0m
Net Debt = 2.42b USD (calculated: Debt 2.44b - CCE 28.7m)
Enterprise Value = 4.44b USD (2.03b + Debt 2.44b - CCE 28.7m)
Interest Coverage Ratio = 2.01 (Ebit TTM 426.4m / Interest Expense TTM 212.0m)
EV/FCF = 18.48x (Enterprise Value 4.44b / FCF TTM 240.5m)
FCF Yield = 5.41% (FCF TTM 240.5m / Enterprise Value 4.44b)
FCF Margin = 8.69% (FCF TTM 240.5m / Revenue TTM 2.77b)
Net Margin = 5.57% (Net Income TTM 154.3m / Revenue TTM 2.77b)
Gross Margin = 12.76% ((Revenue TTM 2.77b - Cost of Revenue TTM 2.42b) / Revenue TTM)
Gross Margin QoQ = 26.63% (prev -9.35%)
Tobins Q-Ratio = 0.96 (Enterprise Value 4.44b / Total Assets 4.63b)
Interest Expense / Debt = 8.67% (Interest Expense 212.0m / Debt 2.44b)
Taxrate = 28.04% (60.1m / 214.4m)
NOPAT = 306.9m (EBIT 426.4m * (1 - 28.04%))
Current Ratio = 1.22 (Total Current Assets 798.2m / Total Current Liabilities 655.9m)
Debt / Equity = 1.29 (Debt 2.44b / totalStockholderEquity, last quarter 1.89b)
Debt / EBITDA = 4.61 (Net Debt 2.42b / EBITDA 523.6m)
Debt / FCF = 10.05 (Net Debt 2.42b / FCF TTM 240.5m)
Total Stockholder Equity = 1.85b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.35% (Net Income 154.3m / Total Assets 4.63b)
RoE = 8.32% (Net Income TTM 154.3m / Total Stockholder Equity 1.85b)
RoCE = 12.86% (EBIT 426.4m / Capital Employed (Equity 1.85b + L.T.Debt 1.46b))
RoIC = 7.52% (NOPAT 306.9m / Invested Capital 4.08b)
WACC = 6.48% (E(2.03b)/V(4.47b) * Re(6.77%) + D(2.44b)/V(4.47b) * Rd(8.67%) * (1-Tc(0.28)))
Discount Rate = 6.77% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 55.56 | Cagr: 9.87%
[DCF] Terminal Value 77.97% ; FCFF base≈178.7m ; Y1≈204.9m ; Y5≈301.6m
[DCF] Fair Price = 39.56 (EV 4.54b - Net Debt 2.42b = Equity 2.12b / Shares 53.6m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 91.15 | EPS CAGR: 24.60% | SUE: 1.97 | # QB: 1
Revenue Correlation: 95.36 | Revenue CAGR: 29.14% | SUE: -0.25 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.71 | Chg30d=-11.27% | Revisions=-17% | Analysts=6
EPS next Quarter (2026-09-30): EPS=1.26 | Chg30d=+2.66% | Revisions=+25% | Analysts=6
EPS current Year (2026-12-31): EPS=4.07 | Chg30d=+0.05% | Revisions=+50% | GrowthEPS=+12.7% | GrowthRev=+2.9%
EPS next Year (2027-12-31): EPS=4.49 | Chg30d=-0.02% | Revisions=+29% | GrowthEPS=+10.4% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: +36% (up=8, down=3)