Cbiz Inc Financials
This page shows Cbiz Inc (CBZ) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Cbiz Inc has an operating margin of 8.5%, meaning the company retains $8 of operating profit per $100 of revenue. This results in a moderate score of 41/100, indicating healthy but not exceptional operating efficiency. This is up from 4.1% the prior year.
Cbiz Inc's revenue surged 52.1% year-over-year to $2.8B, reflecting rapid business expansion. This strong growth earns a score of 100/100.
Cbiz Inc carries a low D/E ratio of 0.79, meaning only $0.79 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 86/100, indicating a strong balance sheet with room for future borrowing.
Cbiz Inc's current ratio of 1.22 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 20/100, which could limit financial flexibility.
Cbiz Inc has a free cash flow margin of 6.4%, earning a moderate score of 41/100. The company generates positive cash flow after capital investments, but with room for improvement.
Cbiz Inc generates a 6.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 26/100. This is up from 2.3% the prior year.
Cbiz Inc scores 1.50, below the 1.81 distress threshold. This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Cbiz Inc passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Cbiz Inc generates $1.67 in operating cash flow ($192.5M OCF vs $115.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Cbiz Inc earns $2.2 in operating income for every $1 of interest expense ($234.0M vs $107.2M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
Key Financial Metrics
Earnings & Revenue
Cbiz Inc generated $2.8B in revenue in fiscal year 2025. This represents an increase of 52.1% from the prior year.
Cbiz Inc's EBITDA was $332.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 172.9% from the prior year.
Cbiz Inc reported $115.4M in net income in fiscal year 2025. This represents an increase of 181.3% from the prior year.
Cbiz Inc earned $1.83 per diluted share (EPS) in fiscal year 2025. This represents an increase of 134.6% from the prior year.
Cash & Balance Sheet
Cbiz Inc generated $175.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 58.4% from the prior year.
Cbiz Inc held $18.3M in cash against $1.4B in long-term debt as of fiscal year 2025.
Cbiz Inc had 54M shares outstanding in fiscal year 2025. This represents an increase of 8.3% from the prior year.
Margins & Returns
Cbiz Inc's gross margin was 12.9% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 2.8 percentage points from the prior year.
Cbiz Inc's operating margin was 8.5% in fiscal year 2025, reflecting core business profitability. This is up 4.4 percentage points from the prior year.
Cbiz Inc's net profit margin was 4.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.9 percentage points from the prior year.
Cbiz Inc's ROE was 6.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 4.2 percentage points from the prior year.
Capital Allocation
Cbiz Inc spent $160.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
Cbiz Inc invested $17.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 31.3% from the prior year.
CBZ Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $542.7M-21.8% | $693.8M+1.5% | $683.5M-18.4% | $838.0M+82.1% | $460.3M+4.9% | $438.9M+4.5% | $420.0M-15.0% | $494.3M |
| Cost of Revenue | $593.4M-1.7% | $603.7M+1.4% | $595.6M-2.3% | $609.9M+16.8% | $522.2M+42.7% | $366.0M-0.1% | $366.4M-2.7% | $376.5M |
| Gross Profit | -$50.7M-156.3% | $90.1M+2.5% | $87.9M-61.5% | $228.1M+468.5% | -$61.9M-184.9% | $72.9M+35.9% | $53.6M-54.5% | $117.8M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $34.4M+10.1% | $31.3M+13.1% | $27.6M-1.5% | $28.1M-37.3% | $44.8M+92.7% | $23.2M+5.3% | $22.1M+17.8% | $18.7M |
| Operating Income | -$85.2M-244.7% | $58.9M-2.3% | $60.3M-69.9% | $200.0M+287.5% | -$106.7M-314.7% | $49.7M+57.3% | $31.6M-68.1% | $99.1M |
| Interest Expense | $26.2M-6.2% | $28.0M+0.3% | $27.9M+10.8% | $25.2M+32.3% | $19.0M+282.8% | $5.0M-15.6% | $5.9M+30.4% | $4.5M |
| Income Tax | -$30.8M-400.6% | $10.3M-35.2% | $15.8M-68.4% | $50.1M+244.7% | -$34.6M-318.1% | $15.9M+89.1% | $8.4M-69.0% | $27.1M |
| Net Income | -$79.4M-363.4% | $30.1M-28.1% | $41.9M-65.8% | $122.8M+235.3% | -$90.7M-358.6% | $35.1M+77.3% | $19.8M-74.3% | $76.9M |
| EPS (Diluted) | N/A | $0.48-27.3% | $0.66-65.4% | $1.91 | N/A | $0.70+79.5% | $0.39-74.5% | $1.53 |
CBZ Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.4B-3.0% | $4.5B+0.2% | $4.5B-1.0% | $4.6B+2.6% | $4.5B+109.6% | $2.1B-1.3% | $2.2B-1.6% | $2.2B |
| Current Assets | $899.2M-10.6% | $1.0B+4.1% | $966.0M-3.7% | $1.0B+20.0% | $835.7M+23.7% | $675.8M-2.6% | $693.9M-3.9% | $722.2M |
| Cash & Equivalents | $18.3M+7.8% | $17.0M-57.4% | $39.8M+349.9% | $8.8M-36.0% | $13.8M+1184.9% | $1.1M-4.6% | $1.1M-19.5% | $1.4M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $556.0M-22.7% | $719.6M+6.4% | $676.1M-8.1% | $735.4M+37.5% | $534.9M+12.2% | $476.6M-0.3% | $477.8M-5.2% | $504.1M |
| Goodwill | $2.3B | N/A | N/A | N/A | $2.3B | N/A | N/A | N/A |
| Total Liabilities | $2.6B-1.0% | $2.7B+1.0% | $2.6B-0.9% | $2.7B-0.7% | $2.7B+123.2% | $1.2B-5.0% | $1.3B-4.6% | $1.3B |
| Current Liabilities | $735.6M+14.6% | $641.8M+6.5% | $602.3M-8.7% | $660.1M-6.5% | $705.8M+55.8% | $452.9M-3.2% | $467.8M-0.5% | $470.1M |
| Long-Term Debt | $1.4B-7.5% | $1.5B+1.0% | $1.5B+1.8% | $1.5B+9.7% | $1.3B+297.1% | $335.8M-11.5% | $379.7M-13.0% | $436.3M |
| Total Equity | $1.8B-5.9% | $1.9B-1.1% | $1.9B-1.2% | $1.9B+7.6% | $1.8B+91.8% | $927.9M+4.1% | $891.4M+2.8% | $867.1M |
| Retained Earnings | $1.0B-7.3% | $1.1B+2.8% | $1.1B+4.1% | $1.0B+13.7% | $896.1M-9.2% | $986.8M+3.7% | $951.8M+2.1% | $932.0M |
CBZ Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $143.6M+499.3% | $24.0M-78.8% | $113.1M+228.2% | -$88.3M-259.0% | $55.5M+27.0% | $43.7M-50.4% | $88.2M+238.4% | -$63.7M |
| Capital Expenditures | $1.9M+0.7% | $1.9M-76.0% | $7.9M+53.5% | $5.2M+58.6% | $3.3M+21.9% | $2.7M+44.5% | $1.9M-63.8% | $5.1M |
| Free Cash Flow | $141.7M+542.5% | $22.1M-79.0% | $105.2M+212.6% | -$93.4M-278.8% | $52.3M+27.3% | $41.1M-52.4% | $86.3M+225.4% | -$68.8M |
| Investing Cash Flow | $1.1M+123.0% | -$4.6M+37.1% | -$7.3M-47.9% | -$5.0M+99.6% | -$1.1B-13348.2% | $8.3M+283.4% | -$4.5M+84.2% | -$28.7M |
| Financing Cash Flow | -$70.5M-67.9% | -$42.0M+52.6% | -$88.6M-260.1% | $55.4M-95.1% | $1.1B+1629.1% | -$73.3M+11.8% | -$83.1M-216.7% | $71.2M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $32.3M-42.7% | $56.4M | N/A | N/A | $0 | $0 | $0 | $0 |
CBZ Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | -9.3%-22.3pp | 13.0%+0.1pp | 12.9%-14.4pp | 27.2%+40.7pp | -13.5%-30.1pp | 16.6%+3.8pp | 12.8%-11.1pp | 23.8% |
| Operating Margin | -15.7%-24.2pp | 8.5%-0.3pp | 8.8%-15.0pp | 23.9%+47.0pp | -23.2%-34.5pp | 11.3%+3.8pp | 7.5%-12.5pp | 20.1% |
| Net Margin | -14.6%-19.0pp | 4.3%-1.8pp | 6.1%-8.5pp | 14.6%+34.4pp | -19.7%-27.7pp | 8.0%+3.3pp | 4.7%-10.8pp | 15.6% |
| Return on Equity | -4.5%-6.1pp | 1.6%-0.6pp | 2.2%-4.2pp | 6.4%+11.5pp | -5.1%-8.9pp | 3.8%+1.6pp | 2.2%-6.7pp | 8.9% |
| Return on Assets | -1.8%-2.5pp | 0.7%-0.3pp | 0.9%-1.8pp | 2.7%+4.7pp | -2.0%-3.7pp | 1.6%+0.7pp | 0.9%-2.6pp | 3.5% |
| Current Ratio | 1.22-0.3 | 1.57-0.0 | 1.60+0.1 | 1.52+0.3 | 1.18-0.3 | 1.490.0 | 1.48-0.1 | 1.54 |
| Debt-to-Equity | 0.79-0.0 | 0.80+0.0 | 0.79+0.0 | 0.76+0.0 | 0.75+0.4 | 0.36-0.1 | 0.43-0.1 | 0.50 |
| FCF Margin | 26.1%+22.9pp | 3.2%-12.2pp | 15.4%+26.5pp | -11.2%-22.5pp | 11.3%+2.0pp | 9.3%-11.2pp | 20.5%+34.5pp | -13.9% |
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Frequently Asked Questions
What is Cbiz Inc's annual revenue?
Cbiz Inc (CBZ) reported $2.8B in total revenue for fiscal year 2025. This represents a 52.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Cbiz Inc's revenue growing?
Cbiz Inc (CBZ) revenue grew by 52.1% year-over-year, from $1.8B to $2.8B in fiscal year 2025.
Is Cbiz Inc profitable?
Yes, Cbiz Inc (CBZ) reported a net income of $115.4M in fiscal year 2025, with a net profit margin of 4.2%.
What is Cbiz Inc's EBITDA?
Cbiz Inc (CBZ) had EBITDA of $332.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Cbiz Inc have?
As of fiscal year 2025, Cbiz Inc (CBZ) had $18.3M in cash and equivalents against $1.4B in long-term debt.
What is Cbiz Inc's gross margin?
Cbiz Inc (CBZ) had a gross margin of 12.9% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Cbiz Inc's operating margin?
Cbiz Inc (CBZ) had an operating margin of 8.5% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Cbiz Inc's net profit margin?
Cbiz Inc (CBZ) had a net profit margin of 4.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Cbiz Inc's return on equity (ROE)?
Cbiz Inc (CBZ) has a return on equity of 6.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Cbiz Inc's free cash flow?
Cbiz Inc (CBZ) generated $175.5M in free cash flow during fiscal year 2025. This represents a 58.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Cbiz Inc's operating cash flow?
Cbiz Inc (CBZ) generated $192.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Cbiz Inc's total assets?
Cbiz Inc (CBZ) had $4.4B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Cbiz Inc's capital expenditures?
Cbiz Inc (CBZ) invested $17.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Cbiz Inc's current ratio?
Cbiz Inc (CBZ) had a current ratio of 1.22 as of fiscal year 2025, which is considered adequate.
What is Cbiz Inc's debt-to-equity ratio?
Cbiz Inc (CBZ) had a debt-to-equity ratio of 0.79 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Cbiz Inc's return on assets (ROA)?
Cbiz Inc (CBZ) had a return on assets of 2.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Cbiz Inc's Altman Z-Score?
Cbiz Inc (CBZ) has an Altman Z-Score of 1.50, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Cbiz Inc's Piotroski F-Score?
Cbiz Inc (CBZ) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Cbiz Inc's earnings high quality?
Cbiz Inc (CBZ) has an earnings quality ratio of 1.67x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Cbiz Inc cover its interest payments?
Cbiz Inc (CBZ) has an interest coverage ratio of 2.2x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Cbiz Inc?
Cbiz Inc (CBZ) scores 52 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.