CBIZ Inc
CBZ
54.75
+0.01
+0.02%
CBIZ Inc
US · CBZ
#2491 by market cap
Listed 1970
54.75
+0.01
+0.02%
Live - 5344 symbols - heartbeat 467s ago
· 2026-10-07 19:54
After-hours
54.75
0.00%
- Market cap
- 3.01B
- P/E (TTM)i
- 26.32
- P/Bi
- 1.61
- EPSi
- 1.83
- Div yieldi
- 0.00%
- 52W posi
- 95%
Reader sentiment
Are you bullish or bearish on CBZ?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Fair
- Altman Z-Score is 1.85, in the 1.8-3.0 "grey zone".
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +52.08% YoY
Margins
- Gross margin
- 12.89%
- Operating margin
- 8.48%
- Net margin
- 4.19%
Key ratios & quality
- Enterprise valuei
- 4.51B
- PEG ratioi
- 8.50
- Altman Z-Scorei
- 1.85
PEG uses trailing P/E against the 3-year net income growth rate (3.10%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 922.00M | 948.42M | 963.90M | 1.10B | 1.41B | 1.59B | 1.81B | 2.76B |
| Gross profit | 131.72M | 124.93M | 138.55M | 159.29M | 223.37M | 223.20M | 182.47M | 355.39M |
| Selling & admin expenses | 39.17M | 44.41M | 46.07M | 56.15M | 55.02M | 57.97M | 108.75M | 121.38M |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 92.55M | 80.52M | 92.48M | 103.14M | 168.34M | 165.24M | 73.72M | 234.01M |
| Pretax profit | 79.84M | 92.89M | 103.49M | 93.02M | 141.48M | 166.30M | 57.81M | 160.84M |
| Tax | 18.27M | 21.84M | 25.14M | 22.13M | 36.12M | 45.34M | 16.77M | 45.39M |
| Net profit | 61.57M | 70.71M | 78.30M | 70.89M | 105.35M | 120.97M | 41.04M | 115.44M |
| Basic EPS | 1 | 1 | 1 | 1 | 2 | 2 | 1 | 2 |
| Diluted EPS | 1.09 | 1.26 | 1.41 | 1.32 | 2.01 | 2.39 | 0.78 | 1.83 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 838.01M | 683.50M | 693.82M | 542.66M | 848.58M | 682.21M |
| Gross profit | 228.10M | 87.91M | 90.13M | -50.75M | 226.02M | 72.44M |
| Selling & admin expenses | 28.07M | 27.64M | 31.27M | 34.41M | 29.57M | 38.37M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 200.03M | 60.27M | 58.86M | -85.16M | 196.45M | 34.07M |
| Pretax profit | 172.91M | 57.78M | 40.41M | -110.26M | 226.47M | 23.69M |
| Tax | 50.14M | 15.84M | 10.26M | -30.84M | 64.86M | 5.08M |
| Net profit | 122.77M | 41.94M | 30.15M | -79.42M | 161.61M | 18.60M |
| Basic EPS | 2 | 1 | 0 | -1 | 3 | 0 |
| Diluted EPS | 1.91 | 0.66 | 0.48 | -1.46 | 2.63 | 0.31 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 423.54M | 456.02M | 436.43M | 451.67M | 568.43M | 612.69M | 835.73M | 899.25M |
| Cash & ST investments | 640.00K | 567.00K | 4.65M | 2.00M | 4.70M | 8.09M | 13.83M | 18.29M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 1.18B | 1.40B | 1.51B | 1.63B | 1.88B | 2.04B | 4.47B | 4.41B |
| Total current liabilities | 321.31M | 365.93M | 378.27M | 423.29M | 512.41M | 511.92M | 705.80M | 735.59M |
| Short-term debt | -- | 29.03M | 30.48M | 30.59M | 36.36M | 36.28M | 126.73M | 131.05M |
| Long-term debt | 133.97M | 104.33M | 107.19M | 154.85M | 263.65M | 310.83M | 1.33B | 1.39B |
| Total liabilities | 589,368,000.00 | 741,536,000.00 | 811,134,000.00 | 923,386,000.00 | 1,165,672,000.00 | 1,251,974,000.00 | 2,690,900,000.00 | 2,647,461,000.00 |
| Total equity | 593.66M | 659.24M | 702.62M | 704.55M | 713.45M | 791.62M | 1.78B | 1.76B |
| Retained earnings | 408.96M | 479.58M | 557.88M | 628.76M | 734.12M | 855.08M | 896.12M | 1.01B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 1.00B | 966.04M | 1.01B | 899.25M | 1.07B | 1.00B |
| Cash & ST investments | 8.85M | 39.82M | 16.97M | 18.29M | 28.72M | 20.90M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 4.59B | 4.54B | 4.55B | 4.41B | 4.63B | 4.57B |
| Total current liabilities | 660.06M | 602.32M | 641.76M | 735.59M | 655.90M | 683.85M |
| Short-term debt | 127.90M | 128.46M | 130.51M | 131.05M | 133.77M | 143.11M |
| Long-term debt | 1.46B | 1.49B | 1.50B | 1.39B | 1.46B | 1.38B |
| Total liabilities | 2,670,797,000.00 | 2,646,130,000.00 | 2,673,345,000.00 | 2,647,461,000.00 | 2,735,784,000.00 | 2,705,974,000.00 |
| Total equity | 1.91B | 1.89B | 1.87B | 1.76B | 1.89B | 1.87B |
| Retained earnings | 1.02B | 1.06B | 1.09B | 1.01B | 1.17B | 1.18B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 105.25M | 98.19M | 146.85M | 131.15M | 126.13M | 153.51M | 123.69M | 192.49M |
| Depreciation & amortization | 23.68M | 22.35M | 23.14M | 27.08M | 32.90M | 36.27M | 48.06M | 98.27M |
| Free cash flow | 90.62M | 84.31M | 135.27M | 122.17M | 117.49M | 130.46M | 110.78M | 175.53M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -17.48M | -27.16M | -58.54M | -100.49M | -129.83M | -73.83M | -11.51M | -167.92M |
| Ending cash balance | 130.55M | 146.51M | 170.34M | 150.47M | 160.15M | 157.15M | 187.17M | 218.09M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | -88.27M | 113.15M | 23.97M | 143.64M | -25.52M | 147.74M |
| Depreciation & amortization | 24.79M | 25.07M | 24.46M | 23.96M | 23.75M | 23.38M |
| Free cash flow | -93.44M | 105.20M | 22.06M | 141.72M | -28.52M | 139.00M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -7.56M | -71.52M | -56.47M | -32.37M | -31.59M | -38.52M |
| Ending cash balance | 149.31M | 166.50M | 143.87M | 218.09M | 177.08M | 160.54M |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 10.95 | 11.29 | 11.50 | 10.08 | 14.86 | 16.07 | 3.19 | 6.52 |
| ROA %i | 5.22 | 5.47 | 5.37 | 4.51 | 6.01 | 6.17 | 1.26 | 2.60 |
| ROIC %i | 9.27 | 8.94 | 8.61 | 7.32 | 10.01 | 10.72 | 2.64 | 5.34 |
| 5-year avg ROE %i | 9.13 | 9.85 | 10.51 | 10.76 | 11.73 | 12.76 | 11.14 | 10.14 |
| EBIT margin %i | 9.38 | 10.40 | 11.25 | 8.77 | 10.59 | 11.72 | 5.08 | 9.72 |
| FCF / sales %i | 9.83 | 8.89 | 14.03 | 11.06 | 8.32 | 8.20 | 6.11 | 6.36 |
| Current ratioi | 1.32 | 1.25 | 1.15 | 1.07 | 1.11 | 1.20 | 1.18 | 1.22 |
| Quick ratioi | 0.65 | 0.61 | 0.58 | 0.58 | 0.66 | 0.76 | 0.78 | 0.78 |
| Debt / assetsi | 11.32 | 18.95 | 18.48 | 20.35 | 25.25 | 26.96 | 41.00 | 41.47 |
| LT debt / equityi | 22.57 | 35.85 | 35.47 | 42.67 | 61.41 | 65.02 | 95.86 | 96.33 |
| Interest coveragei | 13.02 | 17.11 | 21.77 | 25.05 | 18.60 | 9.26 | 2.68 | 2.50 |
| Revenue CAGR (3Y) %i | 7.10 | 5.84 | 4.06 | 6.22 | 14.18 | 18.19 | 17.96 | 25.00 |
| Net income CAGR (3Y) %i | 21.76 | 20.85 | 15.84 | 4.81 | 14.21 | 15.60 | -16.66 | 3.10 |
| FCF CAGR (3Y) %i | 31.34 | 6.44 | 27.58 | 10.47 | 11.70 | -1.20 | -3.21 | 14.32 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 6.25 | 7.84 | 7.44 | 6.52 | 8.10 | 6.50 |
| ROA %i | 2.56 | 3.26 | 3.12 | 2.60 | 3.35 | 2.68 |
| ROIC %i | 4.61 | 6.08 | 6.60 | 5.34 | 5.95 | 5.15 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 8.42 | 9.64 | 9.18 | 9.72 | 11.57 | 9.79 |
| FCF / sales %i | 3.99 | 4.34 | 3.22 | 6.36 | 8.69 | 9.91 |
| Current ratioi | 1.52 | 1.60 | 1.57 | 1.22 | 1.63 | 1.47 |
| Quick ratioi | 1.13 | 1.19 | 1.15 | 0.78 | 1.22 | 1.07 |
| Debt / assetsi | 42.54 | 43.24 | 43.02 | 41.47 | 42.99 | 41.68 |
| LT debt / equityi | 95.19 | 96.93 | 97.49 | 96.33 | 98.01 | 94.40 |
| Interest coveragei | 3.30 | 3.03 | 2.46 | 2.50 | 3.02 | 2.64 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Single-engine
- Financial services is the largest reported line at 85.07% of revenue, across 2 reported segments.
- The next-largest line, Benefits and Insurance Services, is a distant second at 14.93% - a sharp slowdown here would have little to offset it.
Revenue breakdown most recent period
Business
Financial services85.07%
Benefits and Insurance Services14.93%
Quote time 2026-10-07 19:54:59 · For reference only, not investment advice and not tailored to your situation.