CBIZ, Inc. — Earnings Quality Grade F
CBZ · Industrials
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 62 days, change -22 days YoY
AR growth 12.7% vs revenue growth 52.1%
Revenue 52.1%, CFFO 55.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 31.3% vs revenue 52.1%. Normal
SG&A/Gross Profit = 34.2%. Normal
Gross margin 12.9%, change +2.8pp. Stable
Cash Flow Quality
CFFO/NI = 1.67. Profits backed by cash
FCF $0.2B, FCF/NI = 1.52
Accruals ratio = -1.7%. Low accruals
Cash $0.0B covers only 1% of debt $1.8B
Balance Sheet Health
Goodwill+Intangibles $2.9B = 163% of equity. Over 50%
Debt/EBITDA = 5.0x (>4x). Financial stress
Other assets -6.2% vs revenue 52.1%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -3% YoY. Normal
Manipulation Score
M-Score = -2.49 (< -2.22). Unlikely manipulator
Portfolio monitoring
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Beneish M-Score
Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25