CBIZ Inc (CBZ) fair value: what the stock is really worth
As of Oct 30, 2026: fair value (intrinsic value) of CBIZ Inc stock $40.16, price $54.98, that is 27.0% below the price, quality 51 out of 100. Rating: overvalued. Calculated from audited financials with 22 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $25.14 – $88.65 · fair‑value band $25.74 – $55.16 · the $54.98 price screens above the $40.16 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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CBIZ, Inc. provides financial, insurance, and advisory services in the United States and Canada. It operates through Financial Services, Benefits and Insurance Services, and National Practices segments.
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The Financial Services segment offers accounting and tax, financial advisory, national technology, and government healthcare consulting services.
The Benefits and Insurance Services segment provides employee benefits consulting, payroll/human capital management, property and casualty insurance, and retirement and investment services. The National Practices segment offers information technology managed networking and hardware services.
The company primarily serves small and medium-sized businesses, as well as individuals, governmental entities, and not-for-profit enterprises. CBIZ, Inc. was incorporated in 1987 and is headquartered in Independence, Ohio.
Stock analysis
CBIZ Inc (CBZ) currently trades at $54.98, while our model-based Fair Value estimate is $40.16, 27% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $57.47 per share, and 5 of the 22 models we run sit above the $54.98 price.
Bear case: the Economic Profit group reads lowest at $18.98, and 17 of the 22 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $25.74 (bear) to $55.16 (bull), the price of $54.98 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Industrials sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
CBIZ Inc reported revenue of $2.8B in FY2025 versus $1.1B in FY2021, a compound +25.7%/yr. Reported net income was $115M in FY2025, compounding +13.0%/yr from FY2021.
Key figures
Market cap $3.3B Mid · P/E ratio 23.1 · P/S ratio 1.19 · EPS (TTM) $2.38 · Net margin 5.0% · Return on equity 7.4% · Return on assets (EBIT) 5.6% (5-year average) · Operating margin 13.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 40 out of 100 (low confidence).
What moves the price
The share trades about 1% below its 52-week high and 119% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −15% fair-value upside, at −27%, CBZ screens richer than that median.
Fair Value models
Bear$25.74Fair Value $40.16Bull$55.16
Price $54.98 · Downside -27.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.03 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, no officer or director bought or sold shares on the open market.
BuyRodney A YoungDirector1,000 shares at $26.06$26,060Mar 13, 2026
BuyBrad S. LakhiaSenior Vice President & CFO2× since Nov 26, 2025: 14,835 shares, avg. $29.10$431,697Mar 13, 2026
SaleBenaree Pratt WileyDirector2× since Dec 2, 2025: 26,244 shares, avg. $33.70$884,446Mar 10, 2026
Plus 21 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.85/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+52.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+25.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.4%
Start year 2020 (pandemic). Over 10 years: +13.9% a year
Revenue growth 31 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.1%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+5.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+5.0%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.6.7% vs 10.9%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 9%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+14.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+3.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +11.8% a year for the price and +0.8% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (92 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
AI conclusion: Scaling AI through the Microsoft partnership strengthens client advisory capabilities, yet persistently low profitability metrics highlight the absence of a durable competitive moat.
Main risk: The pending acquisition agreement creates a risk that the AI rollout will complicate integration for the acquirer and disrupt the shift toward higher-value advisory work.
CBIZ is expanding its Microsoft partnership to deploy Copilot tools and AI agents enterprise-wide, training over 9,500 team members to shift focus toward higher-value advisory work. This move aims to strengthen client insights in the middle market while the company operates under a pending acquisition agreement. Will the AI rollout accelerate value creation before the transaction closes or complicate the integration for the acquirer?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Specialty Business Services · 230 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score51 · Below median
Fair Value upside−27.0% · Below median
Profitability
Return on equity (12 months)7.4% · Below median
Return on assets2.5% · Below median
Net margin (12 months)5.0% · Above median
Operating margin (12 months)13.3% · Above median
Growth and dividend
Revenue growth (quarter YoY)1.2% · Below median
Balance sheet
Debt / equity0.79× · Highest 25%
Valuation Multiplesvs Specialty Business Services median · lower = cheaper
P/E (12 months)23.1× · Pricier than median
P/B1.87× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (12 months)1.19× · Pricier than median
Price / free cash flow (fiscal year)18.8× · Pricier than median
EV/EBITDA11.3× · Pricier than median
PEG1.22× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 44
FUTURE (revenue growth)6· sector 33
PAST (return on equity)29· sector 38
HEALTH (low debt)61· sector 94
DIVIDEND (yield)0· sector 57
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "CBIZ Inc Fair Value". https://www.fairvalue-calculator.com/stock/CBZ
Frequently asked questions
Is CBIZ Inc (CBZ) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $40.16 versus the last price from Oct 30, 2026 of $54.98, about 27% lower (overvalued).
What is the fair value of CBZ?
Our model-based fair value for CBIZ Inc is $40.16 (as of Nov 4, 2026), built from audited fundamentals. Last price (from Oct 30, 2026): $54.98.
What is the quality score of CBZ?
CBIZ Inc has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for CBIZ Inc (CBZ)?
Our model-based price target is the fair value of $40.16 (as of Nov 4, 2026) from 22 valuation models. Cautious scenario $25.74, optimistic scenario $55.16. It is a calculation from audited fundamentals, not an analyst target.
What is the CBIZ Inc stock forecast for 2026?
Our models put fair value at $40.16, about 27% lower versus the last price from Oct 30, 2026 of $54.98 (overvalued). Cautious scenario $25.74, optimistic scenario $55.16. The calculation is refreshed regularly with new filings.
What is the revenue of CBIZ Inc (CBZ)?
CBIZ Inc reported trailing-twelve-month revenue of about $2.8B (latest available figure, as of Nov 4, 2026).
What growth is priced into CBIZ Inc (CBZ)?
For today's price to be fair in a discounted-cash-flow model, CBIZ Inc would have to grow free cash flow by +14.4 % per year for five years (discount rate 9.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +23.4 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of CBZ use?
Our models discount CBIZ Inc at 9.5 %: a base by market capitalisation (mid), damped by beta 0.92, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For CBIZ Inc that is +14.4 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.5 %) and the same formula as our fair value.
How much growth has CBIZ Inc (CBZ) delivered so far?
Over the past 5 years revenue at CBIZ Inc grew +23.4 % a year. The price currently implies free-cash-flow growth of +14.4 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of CBIZ Inc (CBZ) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into CBIZ Inc (+14.4 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of CBIZ Inc (CBZ)?
The free-cash-flow yield on the price is 5.32 %: that much free cash flow CBIZ Inc produces per unit of market value. When it exceeds the discount rate of our models (9.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of CBIZ Inc (CBZ)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CBIZ Inc it is $40.16 per share (as of Nov 4, 2026), against a price of $54.98. It is the blended result of 22 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Growth DCF, Economic Profit, Growth Earnings).
Is CBIZ Inc stock overvalued or undervalued in 2026?
As of Nov 4, 2026, CBZ trades above its calculated fair value: price $54.98, fair value $40.16, a gap of about −27% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CBZ?
No. The price is what the market pays today ($54.98); the fair value is what the company's own numbers justify ($40.16). For CBIZ Inc the two are $14.82 per share apart. That gap is exactly why we show both numbers side by side.
How much is CBIZ Inc worth?
The market values CBIZ Inc at about $3.3B (market capitalisation, as of Nov 4, 2026). Per share that is $54.98; our models calculate a fair value of $40.16 per share.
What do the bullish and bearish scenarios say about CBZ?
Our models span a range for CBIZ Inc: cautious scenario $25.74, base $40.16, optimistic $55.16 per share (as of Nov 4, 2026, price $54.98). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CBZ?
CBIZ Inc trades at a price-to-earnings ratio of 23.1 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $40.16 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 4 of the years ex one-offs: 21.6. Other multiples: PEG 1.2, P/B 1.9, P/S 1.2, EV/EBITDA 11.3.
What is the PEG ratio of CBZ?
The PEG ratio of CBIZ Inc is 1.22 (P/E divided by earnings growth, as of Nov 4, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of CBIZ Inc (CBZ)?
Balance-sheet figures for CBIZ Inc (as of Nov 4, 2026): return on equity 7.4%, debt of 0.79 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is CBZ from its 52-week high?
CBIZ Inc trades at $54.98, about 1% below its 52-week high of $55.50 and 119% above the low of $25.14 (as of Oct 30, 2026). Distance from the high says nothing about value: that is what the fair value of $40.16 is for.
Which stocks are comparable to CBIZ Inc?
From the same area (Industrials) we also value Cintas Corporation, Thomson Reuters Corporation, Copart, Inc, Global Payments Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is CBIZ Inc stock attractive at the current price?
The data as of Nov 4, 2026: price $54.98, calculated fair value $40.16 (−27%), Quality Score 51/100, from 22 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CBZ calculated?
We run CBIZ Inc through 22 models from 6 families: DCF Models, Earnings-Based, Multiples, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of $40.16 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. CBIZ Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of CBIZ Inc (CBZ)?
The latest price we hold is from Oct 30, 2026 and stands at $54.98. Our model-based fair value is $40.16, about 27% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CBIZ Inc right now?
Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($25.74 to $55.16) leaves room in how you read the outcome.
Where does the earnings growth of CBIZ Inc (CBZ) come from?
Earnings per share at CBIZ Inc grew +10.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +11.1 %, EBIT margin −0.7 %, tax rate +2.1 %, residual (interest, one-offs) −1.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of CBIZ Inc
How large is the market capitalisation of CBIZ Inc (CBZ)?
The market capitalisation of CBIZ Inc is $3.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of CBIZ Inc (CBZ)?
The price-to-sales ratio of CBIZ Inc is 1.19 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of CBIZ Inc (CBZ)?
Earnings per share at CBIZ Inc are $2.38 (price ÷ EPS = P/E 23.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of CBIZ Inc (CBZ)?
The net margin of CBIZ Inc is 5.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of CBIZ Inc (CBZ)?
The return on equity (ROE) of CBIZ Inc is 7.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of CBIZ Inc (CBZ)?
On an EBIT basis the return on assets of CBIZ Inc is 5.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of CBIZ Inc (CBZ)?
The operating margin of CBIZ Inc is 13.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CBIZ Inc (CBZ)?
Revenue at CBIZ Inc is growing +1.2% versus a year earlier (3y avg +25.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at CBIZ Inc (CBZ)?
Earnings per share at CBIZ Inc are growing +64.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does CBIZ Inc (CBZ) carry?
The net debt of CBIZ Inc is $1.8B (fiscal year 2025, ≈ 10.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 4, 2026