CBIZ (CBZ) AI Stock Analysis

• Market Cap: $2.81B
• Dividend Yield: N/A
• Average Volume (3M): 632.19K
• Price to Earnings (P/E): 29.5
• Beta (1Y): 0.92
• Revenue Growth: 46.49%
• EPS Growth: -25.62%
• Country: US
• Employees: 10,000
• Sector: Industrials
• Sector Strength: 72
• Industry: Specialty Business Services
• EPS (TTM): 0.95
• Shares Outstanding: 53,975,243
• 10 Day Avg. Volume: 857,513
• 30 Day Avg. Volume: 632,190
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 2.30
• Enterprise Value/Revenue: 2.66
• Enterprise Value/Gross Profit: 19.72
• Enterprise Value/Ebitda: 20.60
• 1Y Price Target: $67.00
• Price Target Upside: 27.40% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 65 Neutral
• Price Target: $67.00 ▲(27.40% Upside)

CBIZ's overall stock score is driven primarily by its strong financial performance and positive earnings call, which highlight robust revenue and EBITDA growth. However, the stock's technical indicators suggest bearish momentum, and its high P/E ratio raises valuation concerns. These factors collectively result in a moderate overall score.

Positive Factors

Revenue Growth

Strong revenue growth indicates robust demand for CBIZ's services, enhancing its market position and supporting long-term financial stability.

Successful Acquisition

The Marcum acquisition strengthens CBIZ's market presence and service capabilities, providing opportunities for cross-serving and margin improvements.

Management Quality

Appointing a seasoned CIO enhances CBIZ's leadership team, potentially improving investment strategies and long-term business growth.

Negative Factors

Pressure on Rate Increases

Lower-than-expected rate increases could impact revenue growth and profitability, posing challenges to maintaining margin improvements.

Nonrecurring Revenue Decline

Declining nonrecurring revenue reflects client caution and economic uncertainty, potentially affecting CBIZ's revenue diversification.

Increased Interest and Tax Expenses

Rising interest and tax expenses could strain CBIZ's profitability, impacting cash flows and financial flexibility over the long term.

CBIZ Business Overview & Revenue Model

Company Description

CBIZ, Inc. provides financial, insurance, and advisory services in the United States and Canada. The company operates through three segments: Financial Services, Benefits and Insurance Services, and National Practices. The Financial Services segment offers accounting and tax, financial advisory, valuation, risk and advisory, and government healthcare consulting services. The Benefits and Insurance Services provides employee benefits consulting, payroll/human capital management, property and casualty insurance, and retirement and investment services. The National Practices segment offers information technology managed networking and hardware, and health care consulting services. It primarily serves small and medium-sized businesses, as well as individuals, governmental entities, and not-for-profit enterprises. The company was incorporated in 1987 and is headquartered in Cleveland, Ohio.

How the Company Makes Money

CBIZ generates revenue primarily through its service offerings, which include accounting services, tax preparation, employee benefits consulting, and risk management solutions. The company's revenue model is built on a fee-for-service basis, where clients pay for the specific services rendered. Key revenue streams include consulting fees from advisory services, commissions from insurance products, and recurring revenue from ongoing client relationships in payroll and employee benefits. Additionally, CBIZ has established strategic partnerships with various organizations to enhance its service offerings, which further contributes to its earnings through expanded market reach and client acquisition.

CBIZ Financial Statement Overview

Summary

CBIZ demonstrates strong financial health with solid revenue growth and efficient operational margins. The company has improved its leverage position while maintaining a strong balance sheet. Cash flows are positive, but the company should monitor cash outflows from investing activities. While there are some fluctuations in net income and free cash flow growth, CBIZ is positioned well within its industry.

Income Statement

CBIZ has shown a strong revenue growth trajectory with the TTM revenue increasing significantly from the previous annual period. The gross profit margin is healthy, and the net profit margin has improved over the periods, indicating efficient cost management. The EBIT and EBITDA margins are also robust, showing good operational efficiency. However, the net income fluctuates, which could be a potential risk.

Balance Sheet

The company's debt-to-equity ratio has improved in the TTM, indicating better leverage management. The return on equity is strong, reflecting efficient use of shareholder capital. The equity ratio indicates a healthy balance between equity and total assets. However, the high total liabilities could pose risks if not managed properly.

Cash Flow

CBIZ's operating cash flow is consistently positive and covers net income effectively. There is a positive free cash flow, which is crucial for future investments. However, the free cash flow growth rate shows some volatility, and investing activities have seen significant cash outflows, which might be a concern if it continues.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.42B	1.81B	1.59B	1.41B	1.10B	963.90M
Gross Profit	327.02M	182.47M	225.10M	223.37M	159.29M	138.55M
EBITDA	312.99M	144.76M	226.99M	211.14M	122.83M	115.62M
Net Income	109.08M	41.04M	120.97M	105.35M	70.89M	78.30M
Balance Sheet
Total Assets	4.54B	4.47B	2.04B	1.88B	1.63B	1.51B
Cash, Cash Equivalents and Short-Term Investments	39.82M	13.83M	8.09M	4.70M	2.00M	4.65M
Total Debt	1.96B	1.83B	551.01M	474.47M	331.25M	279.69M
Total Liabilities	2.65B	2.69B	1.25B	1.17B	923.39M	811.13M
Stockholders Equity	1.89B	1.78B	791.62M	713.45M	704.55M	595.30M
Cash Flow
Free Cash Flow	105.07M	110.78M	130.46M	117.49M	122.17M	135.27M
Operating Cash Flow	124.13M	123.69M	153.51M	126.13M	131.15M	146.84M
Investing Cash Flow	-1.11B	-1.13B	-79.39M	-99.12M	-82.01M	-46.41M
Financing Cash Flow	1.01B	1.04B	-77.11M	-17.34M	-69.00M	-76.61M

CBIZ Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 52.59
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBZ, the sentiment is Negative. The current price of 52.59 is below the 20-day moving average (MA) of 56.57, below the 50-day MA of 62.86, and below the 200-day MA of 73.11, indicating a bearish trend. The MACD of -3.14 indicates Positive momentum. The RSI at 33.52 is Neutral, neither overbought nor oversold. The STOCH value of 13.93 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CBZ.

CBIZ Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MMS	76 Outperform	4.97B	16.17	17.84%	1.36%	3.40%	13.75%
LZ	76 Outperform	1.96B	66.85	14.82%	―	4.19%	48.69%
UNF	74 Outperform	3.01B	20.30	6.98%	0.83%	4.18%	18.93%
ABM	70 Outperform	2.80B	24.48	6.33%	2.23%	4.27%	-24.06%
CBZ	65 Neutral	$2.81B	29.52	7.84%	―	46.49%	-25.62%
FA	52 Neutral	2.67B	-16.80	-11.55%	―	65.34%	-633.72%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%

CBIZ Corporate Events

CBIZ Holds Annual Stockholders Meeting, Key Decisions Made

On May 15, 2025, CBIZ, Inc. held its annual stockholders meeting where key decisions were made, including the election of directors and the ratification of KPMG LLP as the independent accounting firm for the year ending December 31, 2025. Additionally, stockholders approved the compensation of the company’s Named Executive Officers, reflecting continued support for the current leadership and strategic direction.

The most recent analyst rating on (CBZ) stock is a Buy with a $86.00 price target. To see the full list of analyst forecasts on CBIZ stock, see the CBZ Stock Forecast page.