CBZ - CBIZ, Inc.

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	52.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+942%)	14.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+179%)	12.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+154%)	27.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+456%)	14.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+193%)	1.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-67%)	2.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-43%)	7.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+56%)	6.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+39%)	6.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+32%)	4.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-14%)	6.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+25%)	8.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+62%)	-14.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-392%)	0.5% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-91%)	-0.9% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-117%)	—	—
EPS Growth YoY (%)	135.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-67.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	18.0% Good → Good Stable Year-over-year change in earnings per share Optimal: > 10%	51.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-6.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	10.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	15.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	20.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	22.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	11.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	11.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-65.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	181.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	10.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	35.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-17.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	181.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-66.1% Weak ↓ Weak Declining Year-over-year change in net income	14.8% Fair ↓ Fair Declining Year-over-year change in net income	48.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-9.5% Weak ↓ Weak Declining Year-over-year change in net income	10.7% Fair ↓ Fair Declining Year-over-year change in net income	14.9% Fair ↓ Fair Declining Year-over-year change in net income	22.2% Good ↑ Good Improving Year-over-year change in net income	25.7% Excellent ↑ Excellent Improving Year-over-year change in net income	17.5% Good ↓ Good Declining Year-over-year change in net income	14.6% Fair ↓ Fair Declining Year-over-year change in net income	-65.3% Weak ↓ Weak Declining Year-over-year change in net income	175.7% Excellent ↑ Excellent Improving Year-over-year change in net income	11.2% Fair ↑ Fair Improving Year-over-year change in net income	14.2% Fair Fair Year-over-year change in net income	-21.9% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	31.9% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-19.0% Weak ↓ Weak Declining Year-over-year change in free cash flow	14.4% Fair ↓ Fair Declining Year-over-year change in free cash flow	-1.7% Weak ↓ Weak Declining Year-over-year change in free cash flow	-6.9% Weak ↓ Weak Declining Year-over-year change in free cash flow	60.5% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-6.5% Weak ↓ Weak Declining Year-over-year change in free cash flow	37.3% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-5.4% Weak ↓ Weak Declining Year-over-year change in free cash flow	60.7% Excellent Excellent Year-over-year change in free cash flow	-1.6% Weak Weak Year-over-year change in free cash flow	N/M	N/M	-3.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	24.5% Good Good Year-over-year change in free cash flow	17.5% Good Good Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	25.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	18.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	18.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	14.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	6.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-0.7% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-2.5% Weak Weak Compound annual revenue growth over 3 years	-5.3% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	23.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.5% Good ↑ Good Improving Compound annual revenue growth over 5 years	10.5% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.7% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	0.5% Weak Weak Compound annual revenue growth over 5 years	-0.5% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-3.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-16.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	18.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.1% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	15.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	19.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	17.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	14.9% Good ↑ Good Improving Compound annual EPS growth over 3 years	-24.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	3.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	2.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	61.5% Excellent Excellent Compound annual EPS growth over 3 years	7.3% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	8.5% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	4.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	10.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	11.9% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	6.6% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	9.6% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	8.5% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	10.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	7.8% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	8.2% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	8.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	7.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	7.3% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	6.5% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	7.9% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	7.7% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	7.8% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	—
Effective Tax Rate (%) (%)	28.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.0% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.3% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.3% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.5% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—
Profit Margin (%) (%)	4.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	2.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	7.6% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	7.5% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	6.4% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	8.1% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	7.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	6.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	5.9% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	5.0% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	4.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	4.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	12.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	5.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	3.8% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	3.4% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	4.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	—
FCF Margin (%) (%)	6.4% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	6.1% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	8.2% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	8.3% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	11.1% Fair → Fair Stable Free cash flow as a percentage of revenue Optimal: > 10%	14.0% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	8.9% Caution → Caution Stable Free cash flow as a percentage of revenue Optimal: > 10%	9.8% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	7.6% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	8.4% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	5.3% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	5.4% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	-1.1% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	8.2% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	7.3% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	6.9% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	6.2% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	1.52x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	2.70x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.08x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.12x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.72x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.73x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.19x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.47x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.29x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.67x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.17x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	1.31x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	-0.09x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.66x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	1.93x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.07x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	1.46x Good Good Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%)	5.3% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	1.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	10.9% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	12.8% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	6.4% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	8.6% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	8.1% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	9.8% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	6.4% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	5.9% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	6.3% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	11.0% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	10.4% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	10.9% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	17.6% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	19.4% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	16.8% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	5.3% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	8.1% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	9.0% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	4.5% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	6.1% Caution → Caution Stable Operating profit relative to total assets Optimal: > 10%	5.7% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	7.8% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	5.7% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	5.9% Caution → Caution Stable Operating profit relative to total assets Optimal: > 10%	6.6% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	5.6% Caution → Caution Stable Operating profit relative to total assets Optimal: > 10%	5.5% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	4.2% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	7.1% Fair Fair Operating profit relative to total assets Optimal: > 10%	7.5% Fair Fair Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	15.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	14.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.1% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	10.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	10.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	9.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	8.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	8.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	22.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+53%)	10.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	10.8% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	10.7% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	11.6% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.79x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+13%)	0.75x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+7%)	0.39x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-44%)	0.37x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-47%)	0.22x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.15x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	0.16x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-68%)	0.33x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-52%)	0.40x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-43%)	0.48x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-32%)	—	—	—	—	—	—	—
Interest Coverage (x)	2.18x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	2.14x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	8.21x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	20.94x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	18.79x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	18.56x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	13.97x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	13.93x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	9.96x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	9.98x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	7.36x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	4.23x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	3.22x Fair → Fair Stable Operating income divided by interest expense Optimal: > 5x	2.72x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	3.34x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	3.69x Fair Fair Operating income divided by interest expense Optimal: > 5x	4.31x Fair Fair Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$1.37B	$1.32B	$302.74M	$258.96M	$152.85M	$102.54M	$103.77M	$133.33M	$177.25M	$186.56M	$203.83M	$-979.00K	$-771.00K	$-899.00K	$-1.61M	$-724.00K	$-7.18M	$-7.42M
Debt / EBITDA (x)	4.18x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	10.95x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.54x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.31x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.55x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.93x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.01x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.15x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.98x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.16x Fair Fair Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.38x Fair Fair Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$43.84	$34.62	$31.83	$27.42	$20.99	$17.76	$17.47	$16.90	$15.88	$15.29	$14.92	$14.88	$13.92	$12.79	$14.88	$12.66	$12.04	—
Basic EPS, GAAP (USD)	$1.84	$0.78	$2.42	$2.05	$1.35	$1.44	$1.30	$1.13	$0.94	$0.77	$0.69	$0.62	$1.77	$0.63	$0.57	$0.42	$0.51	—
Free Cash Flow per Share (USD)	$2.79	$2.12	$2.61	$2.28	$2.32	$2.49	$1.55	$1.66	$1.21	$1.28	$0.80	$0.81	$-0.16	$1.05	$1.09	$0.88	$0.75	—
Book Value per Share (USD)	$32.40	$35.46	$15.89	$14.22	$13.54	$12.99	$11.90	$10.78	$9.72	$8.88	$8.08	$8.08	$7.65	$5.86	$5.20	$4.59	$4.42	—
Tangible Book Value per Share (USD)	$-10.44	$-10.99	$-1.48	$-2.12	$-0.70	$0.36	$1.28	$0.53	$0.04	$-0.14	$-0.37	$-0.72	$-0.21	$-1.59	$-2.34	$4.59	$4.42	—
Basic Weighted Avg Shares (shares)	62.91M	52.38M	49.99M	51.50M	52.64M	54.29M	54.30M	54.56M	53.86M	52.32M	50.28M	48.34M	48.63M	49.00M	49.33M	57.69M	61.20M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD)	$163.66M	$129.92M	$100.76M	$56.02M	$28.39M	$58.16M	$90.09M	$102.22M	$113.93M	$102.14M	$101.43M	$84.16M	$84.21M	$160.78M	$66.15M	$24.15M	—	—
LT Debt (USD)	$1.39B	$1.33B	$310.83M	$263.65M	$154.85M	$107.19M	$104.33M	$133.97M	$177.67M	$190.05M	$204.68M	—	—	—	—	—	—	—
Total Equity (USD)	$1.76B	$1.78B	$791.62M	$713.45M	$704.55M	$702.62M	$659.24M	$593.66M	$530.88M	$480.02M	$427.95M	$399.85M	$374.45M	$295.23M	$260.16M	$229.67M	$270.62M	$241.60M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$2.76B	$1.81B	$1.59B	$1.41B	$1.10B	$963.90M	$948.42M	$922.00M	$855.34M	$799.83M	$750.42M	$719.48M	$677.17M	$626.54M	$733.80M	$730.40M	$736.79M	—
Depreciation Expense (USD)	$98.27M	$48.06M	$36.27M	$32.90M	$27.08M	$23.14M	$22.34M	$23.68M	$23.06M	$22.10M	$20.39M	$19.83M	$18.29M	$16.73M	$20.34M	$20.33M	$20.50M	—
Net Income, GAAP (USD)	$115.44M	$41.04M	$120.97M	$105.35M	$70.89M	$78.30M	$70.71M	$61.57M	$50.38M	$40.06M	$34.11M	$29.76M	$85.86M	$31.15M	$28.01M	$24.51M	$31.40M	—
Operating Cash Flow (USD)	$192.49M	$123.69M	$153.51M	$126.13M	$131.15M	$146.84M	$98.19M	$105.25M	$77.04M	$71.04M	$47.39M	$43.92M	$-1.52M	$54.05M	$58.17M	$53.33M	$49.77M	—

CBIZ, Inc.

Analytical Summary

18-Year Financial Trajectory

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