📊 CBZ Key Takeaways
Investment Thesis
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.
CBZ 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
CBZ 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
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
CBZ Financial Metrics
💡 AI Analyst Insight
CBIZ, Inc. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
CBZ Profitability Ratios
CBZ vs Default Sector
How CBIZ, Inc. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CBZ Balance Sheet & Liquidity
CBZ 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 Growth Metrics (YoY)
CBZ Quarterly 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.
CBZ Capital Allocation
CBZ SEC Filings
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 an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CBZ's 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.
What are the risks of investing in CBZ?
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.
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?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.