कंपनी का अवलोकन
CBIZ, Inc. operates as a prominent provider of financial, insurance, and advisory services across the United States and Canada, serving clients through its specialized segments in Financial Services, Benefits and Insurance Services, and National Practices. The company functions within the Industrials sector, specifically targeting the Specialty Business Services industry, a classification that denotes its focus on niche professional services rather than heavy manufacturing or mass production. This enterprise employs a workforce of 9,500 individuals and maintains a total market capitalization of $1.52 billion, while generating annual recurring revenue of $2.76 billion. These valuation and revenue metrics collectively indicate a mid-to-large-cap organization that has established a significant operational footprint, suggesting a substantial scale in delivering specialized business support solutions to corporate and individual clients.
वित्तीय स्वास्थ्य
The company reported a trailing twelve-month revenue of $2.76 billion, with a corresponding net income of $115.44 million and an EBITDA of $421.38 million. The substantial disparity between the revenue figure and the net income highlights a distinct cost structure where operating expenses consume a significant portion of total earnings before interest and taxes. Free cash flow stands at $214.00 million, a figure that demonstrates the company's ability to generate cash exceeding its capital expenditures, thereby ensuring a degree of financial flexibility for operational needs. The company's profitability is characterized by a gross margin of 15.2%, an operating margin of -7.4%, and a profit margin of 4.2%, revealing that while the core service delivery retains value, operational costs currently exceed operating revenues before the impact of non-operating items. On the balance sheet, the company holds $18.92 million in cash against $1.83 billion in total debt, resulting in a debt-to-equity ratio of 104.03, which points to a highly leveraged financial position. The current ratio of 1.22 suggests that the firm possesses sufficient current assets to cover its short-term liabilities, though the margin is relatively tight. Return on equity is measured at 6.5% and return on assets at 4.5%, metrics that indicate the efficiency of management in generating returns on shareholder capital and total assets, respectively, despite the high leverage present in the capital structure.
मूल्यांकन आकलन
The stock trades with a trailing twelve-month P/E ratio of 15.08 and a forward P/E of 6.35, implying that the market expects a significant expansion in future earnings relative to current reported profits. The price-to-book ratio is recorded at 0.84, indicating that the market values the company at less than its tangible book value, which often suggests a deep valuation or specific concerns regarding asset quality. Alternative valuation multiples, including a price-to-sales ratio of 0.55 and an EV/EBITDA of 7.53, provide a broader perspective that accounts for enterprise value and sales efficiency, suggesting the stock is priced attractively relative to its revenue generation and earnings power. Regarding trading range, the 52-week high is $80.65 and the 52-week low is $24.29, placing the current market price significantly below the recent peak and reflecting a correction from previous highs. The beta value of 0.93 indicates that the stock's price volatility moves in tandem with the broader market, exhibiting slightly less sensitivity to market swings than a beta of 1.0 would suggest.
Growth & Income
Revenue growth year-over-year is recorded at 17.9%, while earnings growth data is unavailable (N/A), making it impossible to directly compare the rate of earnings expansion against revenue expansion within the provided facts. In the absence of reported earnings growth figures, the analysis relies solely on the robust revenue trajectory to assess the top-line expansion of the business. The company does not currently distribute dividends, evidenced by a dividend yield of N/A and a payout ratio of 0.0%, which signifies that the company retains all its earnings for reinvestment into business operations, debt reduction, or share buybacks rather than distributing income to shareholders. Consequently, the overall growth and income profile of CBIZ, Inc. is defined entirely by its ability to expand revenue streams and leverage its free cash flow for internal growth, as it does not offer an income component through regular dividend payments to investors.