차입 증가 → 이자부담 → 수익성 악화
Critical부채가 +114.9% 늘며 이자보상배율이 8.2x에서 2.3x로 하락했다. ROE도 20.9%에서 4.4%로 낮아져 차입 부담이 수익성을 누르고 있다.
Evidence
부채 YoY +114.9%이자보상배율 8.2x→2.3xROE 20.9%→4.4%
CBIZ
CBZ-US · New York Stock Exchange$55.08-0.31%
2026-07-31 closeCBIZ — pricey right now, or cheap? And what signals are flashing today?
Open the exact grade & valuation bands with Pro →Loading chart…
CloseMA20MA60MA120
AI Insight
Why these signals fired — only backtest-proven edge, told honestly
Why this signalSignal guide
Moving-average alignment
Yes · score 0.97
Strong-buy signal — the real recordrecord · not a prediction
Not this one stock, but every strong-buy pick we actually published (US market). When this stock flashes the signal, it is treated by the same rule.(as of 2026-08-03)
Last 30 sessions
759 picks
Next-day win rate
58.8%
Avg next-day
+0.55%
vs market
+0.45%p
Beat the market on 57.6% of picks (each pick vs its own day’s market average).
Recent publish days (next-day win rate)
07-30 27.3%07-29 30.8%07-28 11.1%07-27 50%07-24 28.6%07-23 44.4%07-22 50%07-21 60%07-20 33.3%07-17 37.5%07-16 16.7%07-15 50%
This stock has not flashed this signal recently — the record above is the signal’s own, not this stock’s.
Entry is the latest close at publish time; next-day is the following close. “Market” is the equal-weighted average of every stock in the same market that day; delisted names are excluded from both. Fees, taxes and slippage are not included. An observed record over a short window, not a pre-registered backtest. Not investment advice.
Valuation Grades
Relative to 201 상사,자본재 peers · not investment advice
Valuation in its own history
PER 73.02 · PBR 1.68 — own history (2000-01~) percentiles 18/100 · 50/100
PER18/100
PBR50/100
Higher indicates lower valuation relative to its history (based on earnings and book yields).
Earnings percentiles can fluctuate for cyclical companies (including loss periods), so the book basis is shown alongside. Companies with large share buybacks can have structurally high PBR. Factual information, not investment advice.
Financial safety
Reference indicatorAs of 2024Grey zoneFinancial-metric reference signal
Altman Z'' zoneZ'' 1.66
Distress
Grey
Safe
- Altman Z''
- 1.66
- Beneish M-Score
- -1.88
- Sloan accrual
- -1.85%
No statistical flag
부실·조작 위험을 나타내는 사실 지표입니다. 투자 조언이 아니며, 검증 전이라 참고용입니다.
Factual information, not investment advice.
Why has this company moved this way?
Auditable observations with the original numeric evidence.
Factual information, not investment advice.
Earnings quality · Piotroski F-Score
5/9Moderate
Piotroski measures year-over-year financial improvement, not absolute quality.
Financial improvement score5/9
Profitability
- Positive ROAPass
- Positive OCFPass
- Improving ΔROANot passed
- Accruals (OCF > net income)Pass
Leverage & liquidity
- Lower debtPass
- Higher current ratioNot passed
- No new sharesPass
Efficiency
- Higher gross marginNot passed
- Higher asset turnoverNot passed
Calculation note: F7(신주)은 equity/asset 유지로 근사
Already-stable companies may score lower when year-over-year improvement is limited.
Factual information, not investment advice.
Forensic signals
Anomaly and structural signals observed in the financial statements.
Cash conversion cycleWarning
현금전환주기(CCC) 4기 연속 확대 — 운전자본 경색·현금 회수 지연 주의. 통계적 정황 신호이며 회계부정 단정이 아닙니다.
Balance sheetWarning
부채총계 급증 (+115%). 통계적 정황 신호이며 회계부정 단정이 아닙니다.
Margin trendWarning
영업이익률 악화 (10.4% → 4.3%, -6.1%p). 통계적 정황 신호이며 회계부정 단정이 아닙니다.
Factual information, not investment advice.
Industry structure
USAs of 2026-08-03상사,자본재
This stock is in 상사,자본재: revenue rank 79 of 190, share 0.2%.
79 / 1900.2%revenue share
Who dominates this industry?
- 1Raytheon Technologies9.2%
- 2Lockheed Martin8.1%
- 3Boeing7.6%
- 4General Dynamics5.4%
- 5Northrop Grumman4.7%
- 6CBIZ0.2%
Concentration
DistributedCR3 24.9%HHI and CR3 are separate industrial-organization facts; they are not the polarization verdict.
Polarization
MixedConsistentPolarization measures industry gaps and structure, not valuation, forecast, or investment advice.
Margin lens
- IQR%p
- 11.85
- Direction
- 확대
- Level
- 보통
- Years
- 10
Value lens
- P90/P10
- 22.7
- Median P/B
- 3.39
- Level
- 넓음
- n
- 175
Survivorship note: 현재 산업 멤버십을 과거 연도에 소급 적용 — 과거 진입·퇴출 기업 미반영(복원 불가)
Factual information, not investment advice.
Risk sensitivity — adverse assumptions
Metric changes under stated assumptions; not a forecast or investment advice.
Base metrics
- Operating margin
- 4.3%
- Interest coverage
- 2.3x
- Return on equity (ROE)
- 2.3%
Operating margin −5pp
Operating lossInterest coverageBase 2.3x adverse case -0.3x
Return on equity (ROE)Base 2.3% adverse case -2.6%
Revenue −15%
TolerableInterest coverageBase 2.3x adverse case 1.9x
Return on equity (ROE)Base 2.3% adverse case 1.8%
Interest rate +2pp
Interest coverage riskInterest coverageBase 2.3x adverse case 0.9x
Return on equity (ROE)Base 2.3% adverse case -0.5%
Interest coverage limit
Current margin 2.4ppInterest coverage limit at an operating margin of 1.9%
Interest expense coverage threshold
Financials at a glance
CBIZ's latest results and balance sheet. The bars track the last three periods.
Connections
AI-extracted related companies · for reference
Competitors
ADPPrice comovement r=0.41 (1 year)PaychexPrice comovement r=0.37 (1 year)InsperityPrice comovement r=0.23 (1 year)TriNetPrice comovement r=0.33 (1 year)PaycorPaycomPrice comovement r=0.34 (1 year)WorkdayPrice comovement r=0.24 (1 year)DeloittePwCKPMGEYAonPrice comovement r=0.34 (1 year)Marsh McLennanArthur J. GallagherPrice comovement r=0.23 (1 year)
Recent filings
Filings for overseas stocks are on the way. For now we cover Korean stocks only.
Signal history (last ~2 years)
Every occurrence on this stock, with the return 20 trading days later. Small sample — a record, not a prediction.
New MA alignment×2
26-07-24·26-07-09·
“·” = fewer than 20 trading days since the event. Cup-and-handle entries are days our board actually showed the badge (archive grows daily since 2026-05-12); others are recomputed from price data.
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