StockData
CBIZ, Inc. logo

CBIZ, Inc. (CBZ) stock analysis

CBZNYSEServices-Business Services, NECFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 30, 2026Score 8/30
$54.98+0.03 (+0.05%)

Close on Oct 29, 2026Market cap $3.30BP/E 25.8Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth4Performance2Health2Dividend0

Weak8 of 30 checks passed

CBIZ passes 8 of the 30 checks behind our score; 12 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
4/6
Past performance
2/6
Financial health
2/6
Dividend
0/6

What stands out

  • Earnings grew over 5 years

    Net income grew 8.1% a year on average over the last five fiscal years.

  • Revenue growing 10%+ a year

    Revenue grew 25.0% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 23.6% over the last twelve months, against a 5-year average of 8.1% a year.

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 20.2% of total debt.

What to watch

  • Return on equity under 15%

    Return on equity was 6.8% over the last twelve months and averaged 10.1% over five years; we look for 15% on both.

  • Return on capital under 10%

    Return on invested capital was 4.7%, below the 10% that usually covers the cost of capital.

  • High debt

    Debt is 75.8% of shareholders' equity, above the 40% we consider low.

  • EPS growing under 10% a year

    Diluted EPS grew -3.1% a year over the last three fiscal years.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • EV/EBITDA against its history

    Needs positive EBITDA and price history.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth4/6

  • Revenue growing 10%+ a year

    Revenue grew 25.0% a year over the last three fiscal years.

  • EPS growing under 10% a year

    Diluted EPS grew -3.1% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 23.6% over the last twelve months, against a 5-year average of 8.1% a year.

  • Growing slower than the industry

    Revenue grew 3.7% over the last twelve months; the Miscellaneous Business Services median is 9.9%.

  • Guidance raised

    CBIZ raised its 2026 Adjusted Diluted EPS outlook on Apr 29, 2026.

  • Gross margin improving

    Gross margin was 13.0% over the last twelve months, against 12.9% a year earlier.

Past performance2/6

  • Return on equity under 15%

    Return on equity was 6.8% over the last twelve months and averaged 10.1% over five years; we look for 15% on both.

  • Return on capital under 10%

    Return on invested capital was 4.7%, below the 10% that usually covers the cost of capital.

  • Return on equity below the industry

    CBIZ's return on equity of 6.8% is below the Miscellaneous Business Services median of 6.8%.

  • Earnings grew over 5 years

    Net income grew 8.1% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 4.6% over the last twelve months, against a 5-year average of 5.6%.

  • Net margin above the industry

    CBIZ's net margin of 4.6% is above the Miscellaneous Business Services median of 3.8%.

Financial health2/6

  • High debt

    Debt is 75.8% of shareholders' equity, above the 40% we consider low.

  • Debt rising against equity

    Debt to equity rose from 15.3% five years ago to 75.8%.

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 20.2% of total debt.

  • Interest not well covered

    Operating income covers interest expense 2.2 times; we look for at least 5.

  • Short-term assets cover short-term debts

    Current assets are 1.50 times current liabilities.

  • Bankruptcy risk (Altman Z)

    Needs market value, working capital and retained earnings.

Dividend0/6

  • No dividend

    CBIZ has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for CBIZ. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 25.9
  • Miscellaneous Business Services median 25.8

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Margins

Share of revenue, fiscal years 2011 to 2025

Gross margin

12.9%−1.5 pts over 5 years

Operating margin

8.5%−1.1 pts over 5 years

Net margin

4.2%−3.9 pts over 5 years

See a number that looks wrong?