WallStSmart

CBIZ Inc (CBZ)vsPACCAR Inc (PCAR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PACCAR Inc generates 903% more annual revenue ($27.78B vs $2.77B). PCAR leads profitability with a 8.9% profit margin vs 5.6%. CBZ appears more attractively valued with a PEG of 1.04. CBZ earns a higher WallStSmart Score of 70/100 (B).

CBZ

Strong Buy

70

out of 100

Grade: B

Growth: 8.0Profit: 6.5Value: 6.7Quality: 5.0
Piotroski: 5/9Altman Z: 1.52

PCAR

Buy

54

out of 100

Grade: C-

Growth: 4.0Profit: 6.0Value: 4.7Quality: 6.5
Piotroski: 1/9Altman Z: 2.09
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CBZUndervalued (+12.4%)

Margin of Safety

+12.4%

Fair Value

$34.79

Current Price

$54.90

$20.11 discount

UndervaluedFair: $34.79Overvalued
PCARSignificantly Overvalued (-62.2%)

Margin of Safety

-62.2%

Fair Value

$85.20

Current Price

$133.76

$48.56 premium

UndervaluedFair: $85.20Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CBZ4 strengths · Avg: 8.0/10
P/E RatioValuation
16.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Operating MarginProfitability
25.6%8/10

Strong operational efficiency at 25.6%

EPS GrowthGrowth
37.7%8/10

Earnings expanding 37.7% YoY

PCAR1 strengths · Avg: 9.0/10
Market CapQuality
$69.00B9/10

Large-cap with strong market position

Areas to Watch

CBZ4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
1.3%4/10

1.3% revenue growth

Altman Z-ScoreHealth
1.524/10

Distress zone — elevated risk

Profit MarginProfitability
5.6%3/10

5.6% margin — thin

Debt/EquityHealth
1.053/10

Elevated debt levels

PCAR3 concerns · Avg: 3.0/10
P/E RatioValuation
26.9x4/10

Moderate valuation

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Revenue GrowthGrowth
-8.9%2/10

Revenue declined 8.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : CBZ

The strongest argument for CBZ centers on P/E Ratio, Price/Book, Operating Margin. PEG of 1.04 suggests the stock is reasonably priced for its growth.

Bull Case : PCAR

The strongest argument for PCAR centers on Market Cap. PEG of 1.27 suggests the stock is reasonably priced for its growth.

Bear Case : CBZ

The primary concerns for CBZ are Revenue Growth, Altman Z-Score, Profit Margin.

Bear Case : PCAR

The primary concerns for PCAR are P/E Ratio, Piotroski F-Score, Revenue Growth.

Key Dynamics to Monitor

CBZ carries more volatility with a beta of 0.99 — expect wider price swings.

CBZ is growing revenue faster at 1.3% — sustainability is the question.

PCAR generates stronger free cash flow (825M), providing more financial flexibility.

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

Bottom Line

CBZ scores higher overall (70/100 vs 54/100). Both earn "Strong Buy" and "Buy" 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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