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Stock Ratings / Consumer Discretionary / CBZ / news
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Why CBZ Stock advanced +0.06% Today — RQD Quant Desk Flash

$54.98 +0.06% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $55.12

CBIZ Inc. (CBZ) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (12.9% gross margin, 6% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $2.98B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CBZ stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, CBIZ Inc. (NYSE: CBZ) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $54.98 (+0.06% 1D, market cap $2.98B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 14/20, FRED Macro Regime Fit 16/20, and Executive Insider Alignment 15/20. Across 1009 tracked Consumer Discretionary issuers, CBZ ranks #134 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CBZ compare to TNET and FOUR in the Consumer Discretionary sector?
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Within the Consumer Discretionary sector (Business Services), CBZ carries a Roarable B- (71/100 RQD), trailing P/E of 25.8x, gross margin of 12.9%, and ROIC of 5.9%. By comparison, TNET (TriNet Group Inc.) holds a C+ grade (66/100 RQD, P/E 18.9x, ROIC 85.0%, cap $2.94B) and FOUR (Shift4 Payments Inc. (Class A)) posts a D grade (44/100 RQD, P/E 21.1x, ROIC 5.5%, cap $3.16B). Among the 5-stock peer group, MMS leads on earnings multiple (10.3x) while TNET leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CBZ?
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Per CBZ's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000944148), CBIZ Inc. generated $2.76B in revenue (+52.1% YoY), $115.4M in net income, and $175.5M in free cash flow against $4.41B in total assets and $1.39B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $55.12 (+0.25%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 6.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B-
025507510071
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C+ · Rk B
Cash (10)Whales (16)SEC (14)Macro (16)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+5.9% Base Target
$69 Bull$58 Base$45 Bear
📬 FREE CBZ RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CBZ)Realized 20D OHLCV Swing Band: ±1.8%
Deterministic 5-Pillar Attribution (71/100 Composite)
🔍 WHY CBZ SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+16/20 pts (23% of score)

20D Institutional Volume Accumulation (±1.8% realized swing band)

▲ #2 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 97% of 52W Range • RSI-14 at 68.3 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 8.5% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
63
Grade C+$54.77+0.2% Next Q
Q2 (-2Q)
66
Grade B-$54.89-0.1% Next Q
Q3 (-1Q)
68
Grade B-$54.82+0.3% Next Q
Current
71
Grade B-$54.98+6.8% Hist 90D α
Trajectory: C+ (63) → B- (71)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CBZ Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 71/100 (B-) score, CBZ faces multiple-compression risk if 25.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($54.73) or 200D SMA ($40.16) invalidates the momentum regime and cuts Target Base ($58.20) toward Bear Floor ($45.08).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CBZ• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CBZ Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 71%NO 29%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why CBZ Stock advanced +0.06% Today — RQD Quant Desk Flash

CBIZ Inc. (CBZ) advanced +0.06% to $54.98, trading at 97% of its 52-week range ($24.29 – $55.85). High-quality cash engine (12.9% gross margin, 6% return on capital) with steady institutional support.

  • ▸Technical Tape: Trading at 97% of its 52-week range ($24.29 – $55.85) with RSI-14 at 68.3 (BULLISH MOMENTUM).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±1.8% around $54.98 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable B- (Buy) backed by 12.9% gross margin and $175.5M annual free cash flow.
Live CBZ Headlines & Catalysts
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CBZ Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
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CBZ // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +70.48%⚡ TESTING RESISTANCE
2026-11-02O $54.95H $54.98L $54.95C $54.98VOL 1.24M
RES: $54.99SMA50: $54.73SMA200: $40.16
$57.50$49.46$41.43$33.39$25.36RES $54.99$54.982026-05-042026-06-172026-08-042026-09-182026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CBZ Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CBZ Butterfly Map → + Track CBZ →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
19.5%/yr Implied 5Y Growth

vs. +52.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CBZ today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CBZ. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CBZ today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CBZ)

Consumer Discretionary Rank #134 of 1009 ⚔️ TNET vs CBZ Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (CBZ vs. TNET, FOUR, MMS, PAYO)

Industry: Business Services (88 Tracked Issuers)

Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, CBIZ Inc. (CBZ) ranks #134 by composite RQD confidence (71/100, grade B-) and #358 by equity capitalization ($2.98B). Within this direct 5-issuer industry benchmark cohort, MMS leads on earnings valuation at 10.3x trailing P/E, while TNET leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. CBZ currently leads its immediate peer cohort in composite quantitative strength at 71/100 (B-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CBZ ACTIVE
CBIZ Inc.
B- 71/100 25.8x 12.9% 5.9% +0.06% $2.98B Benchmark Subject
TNET
TriNet Group Inc.
C+ 66/100 18.9x — 85.0% +5.09% $2.94B /tnet-vs-cbz →
FOUR
Shift4 Payments Inc. (Class A)
D 44/100 21.1x — 5.5% +5.10% $3.16B /four-vs-cbz →
MMS
Maximus Inc.
C+ 68/100 10.3x 24.6% 13.5% +4.44% $3.34B /mms-vs-cbz →
PAYO
Payoneer Global Inc.
C+ 67/100 33.0x — 34.1% +0.14% $2.42B /payo-vs-cbz →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000944148 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), CBIZ Inc. (CBZ) reported GAAP revenue of $2.76B (+52.1% vs. FY2024 revenue of $1.81B , and +73.3% cumulative change since FY2023) , GAAP net income of $115.4M, operating cash flow of $192.5M, and free cash flow of $175.5M (+58.4% YoY). On the balance sheet, CBZ closed FY2025 with $4.41B in total assets against $1.39B in total debt (Altman Z-Score: 1.84, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.76B $115.4M $192.5M $175.5M $4.41B $1.39B
FY2024 (FY) 2024-12-31 $1.81B $41.0M $123.7M $110.8M $4.47B $1.33B
FY2023 (FY) 2023-12-31 $1.59B $121.0M $153.5M $81.9M $1.91B $446.8M

3. CBZ Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CBZ stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, CBIZ Inc. (NYSE: CBZ) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $54.98 (+0.06% 1D, market cap $2.98B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 14/20, FRED Macro Regime Fit 16/20, and Executive Insider Alignment 15/20. Across 1009 tracked Consumer Discretionary issuers, CBZ ranks #134 in composite RQD confidence.

How does CBZ compare to TNET and FOUR in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), CBZ carries a Roarable B- (71/100 RQD), trailing P/E of 25.8x, gross margin of 12.9%, and ROIC of 5.9%. By comparison, TNET (TriNet Group Inc.) holds a C+ grade (66/100 RQD, P/E 18.9x, ROIC 85.0%, cap $2.94B) and FOUR (Shift4 Payments Inc. (Class A)) posts a D grade (44/100 RQD, P/E 21.1x, ROIC 5.5%, cap $3.16B). Among the 5-stock peer group, MMS leads on earnings multiple (10.3x) while TNET leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CBZ?

Per CBZ's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000944148), CBIZ Inc. generated $2.76B in revenue (+52.1% YoY), $115.4M in net income, and $175.5M in free cash flow against $4.41B in total assets and $1.39B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CBZ trading relative to its 50-day, 200-day, and 52-week technical levels?

CBZ last traded at $54.98 (+0.06% on volume of 1,243,722 shares), positioning the stock +0.46% above its 50-day simple moving average ($54.73) and +36.90% above its 200-day simple moving average ($40.16). Across its 52-week range of $24.29 to $55.85, CBZ sits at the 97.2% percentile with a 14-day RSI of 68.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±1.8% ($53.99 to $55.97).

Direct Sub-Reports: CBZ RQD Cockpit CBZ 12M Forecast CBZ Earnings & Move CBZ Dividends & DRIP CBZ Insiders & 13F CBZ Whale Options CBZ Profit Sankey CBZ News & Why
ROARABLE RATING BRIEF • RQD 71/100 (B-) ✓ SEC XBRL & RQD VERIFIED

CBZ — CBIZ Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

CBIZ Inc. (CBZ) earns a live Roarable RQD composite score of 71/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $54.98 (+0.06% 1D, market capitalization $2.98B).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 5.9%, gross margin of 12.9%, operating margin of 8.5%, and free cash flow yield of 5.88%.
  • Whale 13F & Options Flow (16/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (16/20) + Forensic Balance Sheet (14/20): Incorporates a 0.89x equity beta, Altman Z-Score of 1.84, Piotroski F-Score of 8/9, and Debt/Equity of 0.79x.

2. Business Model, Unit Margins & SEC Financial Trajectory

CBIZ Inc. (CBZ) is a NYSE-listed operating company in the Business Services industry (Consumer Discretionary sector) with an equity market capitalization of $2.98B. The business operates with a gross margin of 12.9%, an operating margin of 8.5%, and a return on invested capital (ROIC) of 5.9% (free cash flow yield of 5.88%). Within the Business Services peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), CBIZ Inc. (CBZ) reported $2.76B in annual revenue (up from $1.81B in FY2024, +52.1% YoY) and $115.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.59B revenue, $121.0M net income) through FY2025, CBZ scaled operating cash flow to $192.5M and free cash flow to $175.5M, backed by $4.41B in total assets against $1.39B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B- • RQD 71/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $24.29 – $55.85 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 25.8x trailing P/E and 17.5x EV/EBITDA against 8.5% operating margins and a 0.89x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream dependencies are mapped in the source data.

  • Key Question #1: Can CBZ sustain or expand its 8.5% operating margin and 5.9% ROIC against Business Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.76B and free cash flow of $175.5M, how will capital allocation balance growth reinvestment against $1.39B in total debt?
  • Key Question #3: How sensitive is CBZ's 21.7x forward P/E multiple to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 0.89x)?

CBZ Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for CBIZ Inc. (CBZ) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CBZ Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CBZ Bull vs. Bear Conversation Board — What's Your Call at $54.98?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CBZ 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CBZ:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $69.82 (+27.0%)
📌 Pinned Debate

Institutional and insider flow support the rating, and the stock carries a low beta of 0.89 while trading at a Forward P/E of 21.7.

Institutional and insider flow support the rating, and the stock carries a low beta of 0.89 while trading at a Forward P/E of 21.7.. When you look under the hood at CBZ, Fundamental Cash Engine is 10/20 with 12.9% gross margins and 5.9% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (16/20) has been quietly accumulating below $55.85. My 12M target is $69.82.

SectorRotator 🐂 BULL

@CreditSpread_Watch Fair point on 25.8x trailing P/E, but you're ignoring the forward operating leverage in Business Services. If gross margin (12.9%) holds, EPS grows into the multiple faster than bears think.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $44.53 (-19.0%)
Spot @ $54.98

ROIC of 5.9% and FCF yield of 5.88% are modest for a stock at a TTM P/E of 25.8, and debt rose to $1.39B from $446.8M across FY 2023

Careful chasing CBZ at $54.98. ROIC of 5.9% and FCF yield of 5.88% are modest for a stock at a TTM P/E of 25.8, and debt rose to $1.39B from $446.8M across FY 2023 to FY 2025.. Gross margin is 12.9%, but operating margin is 8.5%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $44.53 on multiple compression.

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