WallStSmart

CBIZ Inc (CBZ)vsPACCAR Inc (PCAR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PACCAR Inc generates 905% more annual revenue ($27.82B vs $2.77B). PCAR leads profitability with a 9.0% profit margin vs 4.4%. PCAR appears more attractively valued with a PEG of 1.00. PCAR earns a higher WallStSmart Score of 54/100 (C-).

CBZ

Hold

47

out of 100

Grade: D+

Growth: 4.7Profit: 5.0Value: 6.0Quality: 5.0
Piotroski: 5/9Altman Z: 1.59

PCAR

Buy

54

out of 100

Grade: C-

Growth: 3.3Profit: 6.0Value: 5.3Quality: 7.0
Piotroski: 2/9Altman Z: 2.57
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CBZUndervalued (+11.8%)

Margin of Safety

+11.8%

Fair Value

$34.56

Current Price

$54.54

$19.98 discount

UndervaluedFair: $34.56Overvalued
PCARSignificantly Overvalued (-43.2%)

Margin of Safety

-43.2%

Fair Value

$85.69

Current Price

$122.73

$37.04 premium

UndervaluedFair: $85.69Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CBZ1 strengths · Avg: 8.0/10
Price/BookValuation
1.6x8/10

Reasonable price relative to book value

PCAR2 strengths · Avg: 8.5/10
Market CapQuality
$64.60B9/10

Large-cap with strong market position

PEG RatioValuation
1.008/10

Growing faster than its price suggests

Areas to Watch

CBZ4 concerns · Avg: 3.5/10
P/E RatioValuation
26.3x4/10

Moderate valuation

Altman Z-ScoreHealth
1.594/10

Distress zone — elevated risk

Profit MarginProfitability
4.4%3/10

4.4% margin — thin

Operating MarginProfitability
5.0%3/10

Operating margin of 5.0%

PCAR4 concerns · Avg: 3.8/10
P/E RatioValuation
25.8x4/10

Moderate valuation

Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

EPS GrowthGrowth
4.2%4/10

4.2% earnings growth

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull 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 : PCAR

The strongest argument for PCAR centers on Market Cap, PEG Ratio. PEG of 1.00 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 : PCAR

The primary concerns for PCAR are P/E Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

PCAR carries more volatility with a beta of 0.97 — expect wider price swings.

PCAR is growing revenue faster at 0.5% — sustainability is the question.

PCAR generates stronger free cash flow (309M), providing more financial flexibility.

Monitor SPECIALTY BUSINESS SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PCAR scores higher overall (54/100 vs 47/100). 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.

PACCAR Inc

INDUSTRIALS · FARM & HEAVY CONSTRUCTION MACHINERY · USA

PACCAR Inc is an American Fortune 500 company and counts among the largest manufacturers of medium- and heavy-duty trucks in the world. PACCAR is engaged in the design, manufacture and customer support of light-, medium- and heavy-duty trucks under the Kenworth, Peterbilt, Leyland Trucks, and DAF nameplates. PACCAR also designs and manufactures powertrains, provides financial services and information technology, and distributes truck parts related to its principal business.

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