Cbiz Inc Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Cbiz Inc has an operating margin of 4.1%, meaning the company retains $4 of operating profit per $100 of revenue. This below-average margin results in a low score of 20/100, suggesting thin profitability after operating expenses. This is down from 10.4% the prior year.
Cbiz Inc's revenue grew 14.0% year-over-year to $1.8B, a solid pace of expansion. This earns a growth score of 68/100.
Cbiz Inc carries a low D/E ratio of 0.75, meaning only $0.75 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 83/100, indicating a strong balance sheet with room for future borrowing.
Cbiz Inc's current ratio of 1.18 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 27/100, which could limit financial flexibility.
Cbiz Inc has a free cash flow margin of 6.1%, earning a moderate score of 31/100. The company generates positive cash flow after capital investments, but with room for improvement.
Cbiz Inc generates a 2.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 9/100. This is down from 15.3% the prior year.
Cbiz Inc scores 1.11, below the 1.81 distress threshold. This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Cbiz Inc passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Cbiz Inc generates $3.01 in operating cash flow ($123.7M OCF vs $41.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Cbiz Inc earns $2.1 in operating income for every $1 of interest expense ($73.7M vs $34.4M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
This page shows Cbiz Inc (CBZ) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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).
Key Financial Metrics
Cbiz Inc generated $1.8B in revenue in fiscal year 2024. This represents an increase of 14.0% from the prior year.
Cbiz Inc's EBITDA was $121.8M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 39.6% from the prior year.
Cbiz Inc generated $110.8M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 15.1% from the prior year.
Cbiz Inc reported $41.0M in net income in fiscal year 2024. This represents a decrease of 66.1% from the prior year.
Cbiz Inc earned $0.78 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 67.4% from the prior year.
Cbiz Inc held $13.8M in cash against $1.3B in long-term debt as of fiscal year 2024.
Cbiz Inc had 50M shares outstanding in fiscal year 2024. This represents an increase of 0.8% from the prior year.
Cbiz Inc's gross margin was 10.1% in fiscal year 2024, indicating the percentage of revenue retained after direct costs. This is down 4.0 percentage points from the prior year.
Cbiz Inc's operating margin was 4.1% in fiscal year 2024, reflecting core business profitability. This is down 6.3 percentage points from the prior year.
Cbiz Inc's net profit margin was 2.3% in fiscal year 2024, showing the share of revenue converted to profit. This is down 5.3 percentage points from the prior year.
Cbiz Inc's ROE was 2.3% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 13.0 percentage points from the prior year.
Cbiz Inc spent $0 on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.
Cbiz Inc invested $12.9M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 44.0% from the prior year.
CBZ Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $693.8M+1.5% | $683.5M-18.4% | $838.0M+82.1% | $460.3M+9.6% | $420.0M-15.0% | $494.3M+50.9% | $327.5M-20.2% | $410.5M |
| Cost of Revenue | $603.7M+1.4% | $595.6M-2.3% | $609.9M+16.8% | $522.2M+42.5% | $366.4M-2.7% | $376.5M+10.5% | $340.8M-0.4% | $342.1M |
| Gross Profit | $90.1M+2.5% | $87.9M-61.5% | $228.1M+468.5% | -$61.9M-215.4% | $53.6M-54.5% | $117.8M+986.0% | -$13.3M-119.4% | $68.4M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $31.3M+13.1% | $27.6M-1.5% | $28.1M-37.3% | $44.8M+103.0% | $22.1M+17.8% | $18.7M+39.2% | $13.4M+2.3% | $13.1M |
| Operating Income | $58.9M-2.3% | $60.3M-69.9% | $200.0M+287.5% | -$106.7M-437.6% | $31.6M-68.1% | $99.1M+470.7% | -$26.7M-148.4% | $55.3M |
| Interest Expense | $28.0M+0.3% | $27.9M+10.8% | $25.2M+32.3% | $19.0M+223.2% | $5.9M+30.4% | $4.5M-11.7% | $5.1M-12.7% | $5.8M |
| Income Tax | $10.3M-35.2% | $15.8M-68.4% | $50.1M+244.7% | -$34.6M-512.5% | $8.4M-69.0% | $27.1M+528.5% | -$6.3M-146.9% | $13.5M |
| Net Income | $30.1M-28.1% | $41.9M-65.8% | $122.8M+235.3% | -$90.7M-558.4% | $19.8M-74.3% | $76.9M+703.6% | -$12.7M-137.8% | $33.7M |
| EPS (Diluted) | $0.48-27.3% | $0.66-65.4% | $1.91+203.8% | $-1.84-571.8% | $0.39-74.5% | $1.53+712.0% | $-0.25-137.3% | $0.67 |
CBZ Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.5B+0.2% | $4.5B-1.0% | $4.6B+2.6% | $4.5B+106.9% | $2.2B-1.6% | $2.2B+7.5% | $2.0B-1.5% | $2.1B |
| Current Assets | $1.0B+4.1% | $966.0M-3.7% | $1.0B+20.0% | $835.7M+20.4% | $693.9M-3.9% | $722.2M+17.9% | $612.7M-8.0% | $665.9M |
| Cash & Equivalents | $17.0M-57.4% | $39.8M+349.9% | $8.8M-36.0% | $13.8M+1125.7% | $1.1M-19.5% | $1.4M-82.7% | $8.1M+471.7% | $1.4M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $719.6M+6.4% | $676.1M-8.1% | $735.4M+37.5% | $534.9M+11.9% | $477.8M-5.2% | $504.1M+32.6% | $380.2M-18.4% | $465.8M |
| Goodwill | N/A | N/A | N/A | $2.3B | N/A | N/A | $865.2M | N/A |
| Total Liabilities | $2.7B+1.0% | $2.6B-0.9% | $2.7B-0.7% | $2.7B+112.0% | $1.3B-4.6% | $1.3B+6.2% | $1.3B-0.9% | $1.3B |
| Current Liabilities | $641.8M+6.5% | $602.3M-8.7% | $660.1M-6.5% | $705.8M+50.9% | $467.8M-0.5% | $470.1M-8.2% | $511.9M+7.9% | $474.4M |
| Long-Term Debt | $1.5B+1.0% | $1.5B+1.8% | $1.5B+9.7% | $1.3B+251.3% | $379.7M-13.0% | $436.3M+40.4% | $310.8M-20.9% | $393.0M |
| Total Equity | $1.9B-1.1% | $1.9B-1.2% | $1.9B+7.6% | $1.8B+99.7% | $891.4M+2.8% | $867.1M+9.5% | $791.6M-2.3% | $810.6M |
| Retained Earnings | $1.1B+2.8% | $1.1B+4.1% | $1.0B+13.7% | $896.1M-5.8% | $951.8M+2.1% | $932.0M+9.0% | $855.1M-1.5% | $867.8M |
CBZ Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $24.0M-78.8% | $113.1M+228.2% | -$88.3M-259.0% | $55.5M-37.0% | $88.2M+238.4% | -$63.7M-166.2% | $96.3M+249.7% | $27.5M |
| Capital Expenditures | $1.9M-76.0% | $7.9M+53.5% | $5.2M+58.6% | $3.3M+76.2% | $1.9M-63.8% | $5.1M+27.5% | $4.0M-45.0% | $7.3M |
| Free Cash Flow | $22.1M-79.0% | $105.2M+212.6% | -$93.4M-278.8% | $52.3M-39.4% | $86.3M+225.4% | -$68.8M-174.6% | $92.2M+356.3% | $20.2M |
| Investing Cash Flow | -$4.6M+37.1% | -$7.3M-47.9% | -$5.0M+99.6% | -$1.1B-24198.6% | -$4.5M+84.2% | -$28.7M-938.8% | -$2.8M+74.9% | -$11.0M |
| Financing Cash Flow | -$42.0M+52.6% | -$88.6M-260.1% | $55.4M-95.1% | $1.1B+1448.6% | -$83.1M-216.7% | $71.2M+221.3% | -$58.7M-45.8% | -$40.2M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $56.4M | N/A | N/A | $0 | $0 | $0-100.0% | $7.6M-14.8% | $9.0M |
CBZ Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 13.0%+0.1pp | 12.9%-14.4pp | 27.2%+40.7pp | -13.5%-26.2pp | 12.8%-11.1pp | 23.8%+27.9pp | -4.1%-20.7pp | 16.7% |
| Operating Margin | 8.5%-0.3pp | 8.8%-15.0pp | 23.9%+47.0pp | -23.2%-30.7pp | 7.5%-12.5pp | 20.1%+28.2pp | -8.2%-21.6pp | 13.5% |
| Net Margin | 4.3%-1.8pp | 6.1%-8.5pp | 14.6%+34.4pp | -19.7%-24.4pp | 4.7%-10.8pp | 15.6%+19.4pp | -3.9%-12.1pp | 8.2% |
| Return on Equity | 1.6%-0.6pp | 2.2%-4.2pp | 6.4%+2.6pp | 3.8%+1.6pp | 2.2%-6.7pp | 8.9% | N/A | 4.2% |
| Return on Assets | 0.7%-0.3pp | 0.9%-1.8pp | 2.7%+4.7pp | -2.0%-2.9pp | 0.9%-2.6pp | 3.5%+4.1pp | -0.6%-2.2pp | 1.6% |
| Current Ratio | 1.57-0.0 | 1.60+0.1 | 1.52+0.3 | 1.18-0.3 | 1.48-0.1 | 1.54+0.3 | 1.20-0.2 | 1.40 |
| Debt-to-Equity | 0.80+0.0 | 0.79+0.0 | 0.76+0.0 | 0.75+0.3 | 0.43-0.1 | 0.50+0.1 | 0.39-0.1 | 0.48 |
| FCF Margin | 3.2%-12.2pp | 15.4%+26.5pp | -11.2%-22.5pp | 11.3%-9.2pp | 20.5%+34.5pp | -13.9%-42.1pp | 28.2%+23.2pp | 4.9% |
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Frequently Asked Questions
What is Cbiz Inc's annual revenue?
Cbiz Inc (CBZ) reported $1.8B in total revenue for fiscal year 2024. This represents a 14.0% 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 14% year-over-year, from $1.6B to $1.8B in fiscal year 2024.
Is Cbiz Inc profitable?
Yes, Cbiz Inc (CBZ) reported a net income of $41.0M in fiscal year 2024, with a net profit margin of 2.3%.
What is Cbiz Inc's earnings per share (EPS)?
Cbiz Inc (CBZ) reported diluted earnings per share of $0.78 for fiscal year 2024. This represents a -67.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Cbiz Inc's EBITDA?
Cbiz Inc (CBZ) had EBITDA of $121.8M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Cbiz Inc have?
As of fiscal year 2024, Cbiz Inc (CBZ) had $13.8M in cash and equivalents against $1.3B in long-term debt.
What is Cbiz Inc's gross margin?
Cbiz Inc (CBZ) had a gross margin of 10.1% in fiscal year 2024, 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 4.1% in fiscal year 2024, 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 2.3% in fiscal year 2024, 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 2.3% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Cbiz Inc's free cash flow?
Cbiz Inc (CBZ) generated $110.8M in free cash flow during fiscal year 2024. This represents a -15.1% 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 $123.7M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Cbiz Inc's total assets?
Cbiz Inc (CBZ) had $4.5B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Cbiz Inc's capital expenditures?
Cbiz Inc (CBZ) invested $12.9M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Cbiz Inc have outstanding?
Cbiz Inc (CBZ) had 50M shares outstanding as of fiscal year 2024.
What is Cbiz Inc's current ratio?
Cbiz Inc (CBZ) had a current ratio of 1.18 as of fiscal year 2024, which is considered adequate.
What is Cbiz Inc's debt-to-equity ratio?
Cbiz Inc (CBZ) had a debt-to-equity ratio of 0.75 as of fiscal year 2024, 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 0.9% for fiscal year 2024, 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 1.11, 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 3 out of 9, indicating weak 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 3.01x, 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 2.1x, 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 40 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.