CBIZ Inc. Common Stock (CBZ)

FairStock Score: 63/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look first for a business that earns good returns and sells at a sensible price. CBIZ, with 9,500 employees, provides financial, insurance, and advisory services—recurring, relationship-based work. Its moat is likely modest, since professional services depend on people and competition. The best evidence of quality is cash: trailing free cash flow is $274.3M and the FCF yield is 9.2%. But returns on capital are only fair: FairStock shows ROE of 6.50% and ROCE of 3.94%, with debt-to-equity at 1.02 and an Altman Z-score of 1.28. Profitability is lumpy. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $682.2M, net income $18.6M, and diluted EPS $0.31, versus fiscal Q2 2025, the quarter ended 2025-06-30, when net income was $41.9M and diluted EPS $0.66. For fiscal year 2025, the period ended 2025-12-31, revenue was $2.8B, net income $115.4M, and diluted EPS $1.83, while fiscal year 2024, the period ended 2024-12-31, had net income of $41.0M and diluted EPS $0.78, and fiscal year 2023, the period ended 2023-12-31, had net income of $121.0M and diluted EPS $2.39. At the 2026-10-13 close of $54.77, FairStock's P/E is 26.33 and P/B is 1.58. FairStock's PEG is 0.83 and its EV/EBITDA is 12.84, but FairStock's Graham Number is $40.25, leaving a negative 36.07% margin of safety. FairStock calls it a STALWART, with 8.1% profit growth a year over five years and 23.4% revenue growth. My conclusion: a decent cash-generating service business, but not a bargain.

In plain English: CBIZ helps other businesses with accounting, insurance, and advisory work. It produces a lot of cash, but profits have been uneven and the returns it earns on money invested look modest. At the recent price, the stock looks expensive compared with a conservative estimate of value, and it does not pay a dividend.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K/A (period ended 2025-12-31) · FY2024 10-K/A (period ended 2024-12-31) · FY2023 10-K/A (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer