📊 CBZ Key Takeaways
Is CBIZ, Inc. (CBZ) a Good Investment?
CBIZ demonstrates strong fundamental momentum with exceptional revenue growth of 52.1% YoY and net income surging 181.3%, indicating effective operational leverage and profitability expansion. The company generates healthy free cash flow of $175.5M with a 6.4% FCF margin, supporting financial sustainability despite moderate leverage. However, relatively thin net margins of 4.2% and modest ROE/ROA returns suggest the business operates in a competitive service sector requiring close operational monitoring.
CBIZ shows strong top-line and bottom-line momentum, with revenue up 52.1% year over year and net income up 181.3%, while still producing solid free cash flow. However, the quality of that growth is tempered by thin margins, modest returns on equity and assets, and weak interest coverage relative to its debt load. Fundamentally, the business looks improved but not yet strong enough to offset balance sheet and profitability risks.
Why Buy CBIZ, Inc. Stock? CBZ Key Strengths
- Exceptional revenue growth of 52.1% YoY with 181.3% net income growth demonstrating strong operational leverage
- Solid free cash flow generation of $175.5M with 6.4% FCF margin provides financial flexibility
- Reasonable leverage profile with 0.79x debt-to-equity ratio and adequate 2.2x interest coverage ratio
- Significant insider activity with 21 Form 4 filings in last 90 days suggesting management confidence
- Very strong year-over-year revenue, EPS, and net income growth
- Positive operating cash flow and healthy free cash flow generation with low capital intensity
- Manageable near-term liquidity with current and quick ratios both at 1.22x
CBZ Stock Risks: CBIZ, Inc. Investment Risks
- Thin net profit margin of 4.2% indicates vulnerability to cost pressures in competitive business services sector
- Low cash position of $18.3M relative to $1.4B long-term debt creates refinancing dependency
- Modest liquidity with 1.22x current ratio provides limited operational cushion for unexpected disruptions
- Weak return metrics (ROE 6.6%, ROA 2.6%) suggest capital inefficiency despite revenue growth
- Gross margin of 12.9% and operating margin of 8.5% indicate limited pricing power and high operating costs
- Interest coverage of 2.2x suggests limited cushion against financing pressure
- Net margin of 4.2% and ROE of 6.6% indicate only moderate underlying profitability
- Low cash balance relative to total debt reduces financial flexibility
Key Metrics to Watch
- Net margin expansion trends - monitor if operational leverage gains are sustainable
- Cash position and debt reduction - critical given low absolute cash levels despite strong FCF generation
- Current ratio and working capital trends - assess liquidity adequacy as business scales
- Return on equity trajectory - determine if earnings growth translates to shareholder value creation
- Operating margin stability - key indicator of competitive positioning and cost management
- Interest coverage and debt reduction progress
- Operating margin and free cash flow margin sustainability
CBIZ, Inc. (CBZ) Financial Metrics & Key Ratios
💡 AI Analyst Insight
CBIZ, Inc. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
CBZ Profit Margin, ROE & Profitability Analysis
CBZ vs Services Sector: How CBIZ, Inc. Compares
How CBIZ, Inc. compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is CBIZ, Inc. Stock Overvalued? CBZ Valuation Analysis 2026
Based on fundamental analysis, CBIZ, Inc. shows some fundamental concerns relative to the Services sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
CBIZ, Inc. Balance Sheet: CBZ Debt, Cash & Liquidity
CBZ Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: CBIZ, Inc.'s revenue has grown significantly by 150% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.39 reflects profitable operations.
CBZ Revenue Growth, EPS Growth & YoY Performance
CBZ Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $438.9M | $30.1M | $0.48 |
| Q2 2025 | $420.0M | $19.8M | $0.39 |
| Q1 2025 | $494.3M | $76.9M | $1.53 |
| Q3 2024 | $410.5M | $33.7M | $0.67 |
| Q2 2024 | $398.5M | $19.8M | $0.39 |
| Q1 2024 | $454.6M | $73.2M | $1.44 |
| Q3 2023 | $363.3M | $27.5M | $0.53 |
| Q2 2023 | $362.0M | $26.9M | $0.53 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CBIZ, Inc. Dividends, Buybacks & Capital Allocation
CBZ SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for CBIZ, Inc. (CIK: 0000944148)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CBZ
What is the AI rating for CBZ?
CBIZ, Inc. (CBZ) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (HOLD) with 74% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CBZ's key strengths?
Claude: Exceptional revenue growth of 52.1% YoY with 181.3% net income growth demonstrating strong operational leverage. Solid free cash flow generation of $175.5M with 6.4% FCF margin provides financial flexibility. ChatGPT: Very strong year-over-year revenue, EPS, and net income growth. Positive operating cash flow and healthy free cash flow generation with low capital intensity.
What are the risks of investing in CBZ?
Claude: Thin net profit margin of 4.2% indicates vulnerability to cost pressures in competitive business services sector. Low cash position of $18.3M relative to $1.4B long-term debt creates refinancing dependency. ChatGPT: Interest coverage of 2.2x suggests limited cushion against financing pressure. Net margin of 4.2% and ROE of 6.6% indicate only moderate underlying profitability.
What is CBZ's revenue and growth?
CBIZ, Inc. reported revenue of $2.8B.
Does CBZ pay dividends?
CBIZ, Inc. does not currently pay dividends.
Where can I find CBZ SEC filings?
Official SEC filings for CBIZ, Inc. (CIK: 0000944148) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CBZ's EPS?
CBIZ, Inc. has a diluted EPS of $1.83.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CBZ a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, CBIZ, Inc. has a BUY rating with 74% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is CBZ stock overvalued or undervalued?
Valuation metrics for CBZ: ROE of 6.6% (sector avg: 16%), net margin of 4.2% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
Should I buy CBZ stock in 2026?
Our dual AI analysis gives CBIZ, Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CBZ's free cash flow?
CBIZ, Inc.'s operating cash flow is $192.5M, with capital expenditures of $17.0M. FCF margin is 6.4%.
How does CBZ compare to other Services stocks?
Vs Services sector averages: Net margin 4.2% (avg: 10%), ROE 6.6% (avg: 16%), current ratio 1.22 (avg: 1.5).