CBIZ Inc (CBZ)vsGlobal Payments Inc (GPN)
CBZ
CBIZ Inc
$54.54
-0.16%
INDUSTRIALS · Cap: $2.97B
GPN
Global Payments Inc
$88.29
-0.29%
INDUSTRIALS · Cap: $24.54B
Smart Verdict
WallStSmart Research — data-driven comparison
Global Payments Inc generates 269% more annual revenue ($10.21B vs $2.77B). CBZ leads profitability with a 4.4% profit margin vs -9.2%. GPN appears more attractively valued with a PEG of 0.27. GPN earns a higher WallStSmart Score of 59/100 (C).
CBZ
Hold47
out of 100
Grade: D+
GPN
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+11.8%
Fair Value
$34.56
Current Price
$54.54
$19.98 discount
Margin of Safety
+49.5%
Fair Value
$142.91
Current Price
$88.29
$54.62 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 68.6% year-over-year
Areas to Watch
Moderate valuation
Distress zone — elevated risk
4.4% margin — thin
Operating margin of 5.0%
Premium valuation, high expectations priced in
ROE of -4.1% — below average capital efficiency
Earnings declined 95.2%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CBZ
The strongest argument for CBZ centers on Price/Book. PEG of 1.22 suggests the stock is reasonably priced for its growth.
Bull Case : GPN
The strongest argument for GPN centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 68.6% demonstrates continued momentum. PEG of 0.27 suggests the stock is reasonably priced for its growth.
Bear Case : CBZ
The primary concerns for CBZ are P/E Ratio, Altman Z-Score, Profit Margin. Thin 4.4% margins leave little buffer for downturns.
Bear Case : GPN
The primary concerns for GPN are P/E Ratio, Return on Equity, EPS Growth. A P/E of 44.0x leaves little room for execution misses.
Key Dynamics to Monitor
CBZ profiles as a value stock while GPN is a hypergrowth play — different risk/reward profiles.
CBZ carries more volatility with a beta of 0.92 — expect wider price swings.
GPN is growing revenue faster at 68.6% — sustainability is the question.
GPN generates stronger free cash flow (427M), providing more financial flexibility.
Bottom Line
GPN scores higher overall (59/100 vs 47/100) and 68.6% revenue growth. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
CBIZ Inc
INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA
CBIZ, Inc. provides financial, insurance and advisory services in the United States and Canada. The company is headquartered in Cleveland, Ohio.
Global Payments Inc
INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA
Global Payments Inc. is an American company providing financial technology services globally headquartered in Atlanta, Georgia.
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