Cbiz, Inc.

Consumer Discretionary
Business Services
www.cbiz.com

Earnings Score
Moat Score
Safety Score

Market Cap $4.53B
PE 52
Debt $1.53B
Cash $149.31M
EV $5.91B
FCF $86.18M

Earnings

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Sales & Net Margins

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Earnings	$86.93M
EBIT	$169.73M
ROE	5%
ROA	4%
FCF	$86.18M
Equity	$1.91B
Growth Stability	41%
PE	52.13
PEG	10.22
PB	2.37
P/FCF	52.59
P/S	2.1
Price/Cash	0.03
Debt/Equity	0.8
Debt/FCF	17.74
Net Margins	15%
Gross Margins	14%
Op. Margins	8%
Earnings CAGR	12%
Sales Growth YoY	70%
Sales Growth QoQ	82%
Sales CAGR	11%
FCF CAGR	9%
Equity CAGR	10%
Earnings Stability	0.64
Earnings Growth YoY	60%
Earnings Growth QoQ	-235%

Earnings CAGR 5Y	5%
Sales CAGR 5Y	18%
FCF CAGR 5Y	-3%
Equity CAGR 5Y	15%
Earnings CAGR 3Y	16%
Sales CAGR 3Y	16%
FCF CAGR 3Y	5%
Equity CAGR 3Y	33%
Market Cap	$4.53B
Revenue	$2.16B
Assets	$4.59B
Total Debt	$1.53B
Cash	$149.31M
Shares Outstanding	63.84M
EV	5.91B
Earnings Score	86%
Moat Score	61%
Safety Score	46%
Final Score	64%
Working Capital	342.77M
Current Ratio	1.52
Gross Profit	$292.76M
Shares Growth 3y	3%
Equity Growth QoQ	8%
Equity Growth YoY	121%

Assets & ROA

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Stockholders Equity & ROE

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CBIZ Inc through its subsidiaries provides professional business services. Its business units have been aggregated into three practice groups: Financial Services, Benefits and Insurance Services, and National Practices. The company provides its services to various industries such as Agribusiness, Construction, Health Care, Oil and Gas, Real Estate, Retail, Financial Institutions, and Government among others. It derives the majority of its revenues from the Financial Services segment and geographically from the United States.

SEC Filings

Direct access to Cbiz, Inc. (CBZ) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2025
- 10-Q Mar 31
2024
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Cbiz, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Cbiz, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 12%

Stability 64%

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Cbiz, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Cbiz, Inc..

Years

Calculation mode

= $1.6B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$86M	$94M	$103M	$112M	$122M	$134M	$146M	$159M	$174M	$190M	$207M	$2.1B
DCF		$86M	$85M	$84M	$84M	$83M	$82M	$82M	$81M	$80M	$80M	$799M
Value	$1.6B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Net Margins	5%	5%	6%	7%	7%	8%	6%	7%	8%	2%	15%
ROA	-	7%	7%	8%	7%	7%	6%	9%	8%	2%	4%
ROE	-	8%	9%	10%	11%	11%	10%	15%	15%	2%	5%

Good Net Margins (14.65%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Debt over FCF	-	5.99	6.62	4.4	4.73	2.96	3.27	5.11	4.6	18.65	17.74
Debt over Equity	0.93	0.84	0.76	0.67	0.61	0.57	0.57	0.84	0.76	1.16	0.8
Growth Stability	-	-	-	100%	100%	100%	100%	100%	100%	41%	41%

Bad Debt/FCF ratio (17.74)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Good Debt/Equity ratio (0.8)

The company is not overleveraged and has a good balance between equity and debt.

Bad Graham’s Stability (41%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	CAGR 5Y
Revenue YoY growth	-	7%	7%	8%	3%	2%	15%	28%	13%	14%	18%
Earnings YoY growth	-	17%	26%	22%	15%	11%	-9%	49%	15%	-66%	5%
Equity YoY growth	-	12%	11%	12%	11%	7%	0%	1%	11%	125%	15%
FCF YoY growth	-	67%	-9%	50%	-7%	60%	-10%	-4%	11%	-15%	-3%