CBIZ (CBZ) AI Stock Analysis

• Market Cap: $2.91B
• Dividend Yield: N/A
• Average Volume (3M): 609.62K
• Price to Earnings (P/E): 35.0
• Beta (1Y): 0.89
• Revenue Growth: 59.19%
• EPS Growth: -35.47%
• Country: US
• Employees: 10,000
• Sector: Industrials
• Sector Strength: 72
• Industry: Specialty Business Services
• EPS (TTM): 1.01
• Shares Outstanding: 54,401,424
• 10 Day Avg. Volume: 780,741
• 30 Day Avg. Volume: 609,623
• PEG Ratio: -1.54
• Price to Book (P/B): 2.41
• Price to Sales (P/S): 2.36
• P/FCF Ratio: 38.69
• Enterprise Value/Market Cap: 1.79
• Enterprise Value/Revenue: 1.95
• Enterprise Value/Gross Profit: 15.15
• Enterprise Value/Ebitda: 50.14
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 3.61
• Revenue Forecast (FY): $2.80B

• Rating: 68 Neutral
• Price Target: $60.00 ▲(11.54% Upside)

CBIZ's strong earnings call performance and financial growth are the primary drivers of its score. However, technical indicators suggest bearish momentum, and the high P/E ratio indicates potential overvaluation. The absence of a dividend yield and challenges in profitability margins also weigh on the overall score.

Positive Factors

Revenue Growth

Strong revenue growth indicates expanding market presence and effective business strategies, supporting long-term financial stability and potential for future expansion.

Successful Acquisition Integration

Successful integration of acquisitions enhances operational capabilities and market reach, providing a platform for accelerated growth and competitive advantage.

Improved Leverage

Improved leverage indicates stronger financial health, reducing risk and increasing financial flexibility for strategic investments and growth initiatives.

Negative Factors

Increased Interest Expense

Rising interest expenses can strain cash flow and profitability, potentially limiting future investment capacity and impacting long-term financial health.

Softness in Benefits and Insurance Segment

Slow growth in key segments may indicate market saturation or competitive pressures, potentially hindering overall revenue diversification and growth prospects.

Decline in Free Cash Flow

A decline in free cash flow can limit the company's ability to fund new projects, pay down debt, or return capital to shareholders, affecting long-term financial flexibility.

CBIZ Business Overview & Revenue Model

Company Description

CBIZ, Inc. (CBZ) is a leading provider of financial, insurance, and advisory services in the United States. The company operates in various sectors, including accounting, tax, payroll, employee benefits, and risk management. CBIZ serves a diverse clientele ranging from small businesses to large corporations, offering tailored solutions that help organizations improve their operational efficiency and financial performance.

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 solid revenue growth and improved leverage, indicating a positive financial trajectory. However, profitability margins and cash flow generation present areas for improvement. The company shows potential for enhanced shareholder returns with better operational efficiency and cost management.

Income Statement

CBIZ shows strong revenue growth with a TTM growth rate of 10.53%, indicating a positive trajectory. The gross profit margin has improved to 12.87% in TTM from 10.06% in 2024, reflecting better cost management. However, the net profit margin remains relatively low at 3.89%, suggesting room for improvement in profitability. The EBIT margin has increased to 6.63%, indicating better operational efficiency, but the EBITDA margin has decreased to 3.89%, which could be a concern.

Balance Sheet

The debt-to-equity ratio has significantly improved to 0.24 in TTM from 1.03 in 2024, indicating reduced leverage and a stronger balance sheet. Return on equity (ROE) has increased to 5.59%, showing improved profitability for shareholders. However, the equity ratio is not explicitly provided, which limits the analysis of asset financing.

Cash Flow

Operating cash flow to net income ratio is 0.23, indicating moderate cash generation relative to net income. Free cash flow has slightly declined by 3.77% in TTM, which could be a concern for future investments. The free cash flow to net income ratio is strong at 0.97, suggesting effective cash conversion from profits.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.68B	1.81B	1.59B	1.41B	1.10B	963.90M
Gross Profit	344.24M	182.47M	225.10M	223.37M	159.29M	138.55M
EBITDA	104.00M	144.76M	226.99M	211.14M	122.83M	115.62M
Net Income	104.14M	41.04M	120.97M	105.35M	70.89M	78.30M
Balance Sheet
Total Assets	4.55B	4.47B	2.04B	1.88B	1.63B	1.51B
Cash, Cash Equivalents and Short-Term Investments	16.97M	13.83M	8.09M	4.70M	2.00M	4.65M
Total Debt	447.85M	1.83B	551.01M	474.47M	331.25M	279.69M
Total Liabilities	2.67B	2.69B	1.25B	1.17B	923.39M	811.13M
Stockholders Equity	1.87B	1.78B	791.62M	713.45M	704.55M	595.30M
Cash Flow
Free Cash Flow	101.11M	110.78M	130.46M	117.49M	122.17M	135.27M
Operating Cash Flow	104.37M	123.69M	153.51M	126.13M	131.15M	146.84M
Investing Cash Flow	-1.12B	-1.13B	-79.39M	-99.12M	-82.01M	-46.41M
Financing Cash Flow	1.05B	1.04B	-77.11M	-17.34M	-69.00M	-76.61M

CBIZ Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 53.79
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 53.79 is above the 20-day moving average (MA) of 53.38, below the 50-day MA of 55.00, and below the 200-day MA of 68.94, indicating a bearish trend. The MACD of -0.32 indicates Negative momentum. The RSI at 45.32 is Neutral, neither overbought nor oversold. The STOCH value of 58.16 is Neutral, 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
LZ	76 Outperform	$1.94B	81.19	16.96%	―	7.17%	-5.86%
MMS	69 Neutral	$4.68B	15.30	17.61%	1.43%	3.40%	13.75%
CBZ	68 Neutral	$2.91B	34.96	7.44%	―	59.19%	-35.47%
UNF	68 Neutral	$2.61B	18.80	6.93%	0.90%	0.20%	2.72%
ABM	66 Neutral	$2.68B	23.74	6.32%	2.53%	4.27%	-24.06%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
FA	49 Neutral	$2.24B	-14.05	-12.48%	―	93.41%	-2515.85%

CBIZ Corporate Events

CBIZ Inc. Earnings Call: Growth Amid Challenges

The recent earnings call for CBIZ Inc. painted a picture of cautious optimism, with the company demonstrating strong revenue growth and successful integration of the Marcum acquisition. Despite these positive developments, challenges such as increased interest expenses and a sluggish performance in the Benefits and Insurance segment have tempered the overall enthusiasm.

CBIZ Inc. Reports Strong Revenue Growth in Q3 2025

CBIZ, Inc., a prominent national professional services advisor, specializes in providing accounting, tax, advisory, benefits, insurance, and technology services to middle-market businesses across the United States. With over 10,000 team members in more than 160 locations, CBIZ is known for its expertise and actionable insights that help clients accelerate growth.

CBIZ Inc. Earnings Call: Growth Amid Challenges

During the recent earnings call, CBIZ Inc. showcased a robust performance with strong revenue and EBITDA growth, primarily fueled by the strategic Marcum acquisition. Despite facing challenges such as nonrecurring revenue dips and pricing pressures, the company remains buoyed by successful integrations and strategic decisions. However, market uncertainties continue to pose challenges for the company.