WallStSmart

CBIZ Inc (CBZ)vsPACCAR Inc (PCAR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PACCAR Inc generates 907% more annual revenue ($27.78B vs $2.76B). PCAR leads profitability with a 8.9% profit margin vs 4.2%. PCAR appears more attractively valued with a PEG of 1.18. CBZ earns a higher WallStSmart Score of 53/100 (C-).

CBZ

Buy

53

out of 100

Grade: C-

Growth: 6.7Profit: 4.0Value: 7.3Quality: 5.3
Piotroski: 3/9Altman Z: 1.53

PCAR

Buy

52

out of 100

Grade: C-

Growth: 4.0Profit: 6.0Value: 4.7Quality: 4.5
Piotroski: 1/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CBZUndervalued (+42.2%)

Margin of Safety

+42.2%

Fair Value

$52.69

Current Price

$30.50

$22.19 discount

UndervaluedFair: $52.69Overvalued
PCARSignificantly Overvalued (-24.7%)

Margin of Safety

-24.7%

Fair Value

$103.83

Current Price

$118.80

$14.97 premium

UndervaluedFair: $103.83Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CBZ2 strengths · Avg: 9.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
17.9%8/10

17.9% revenue growth

PCAR1 strengths · Avg: 9.0/10
Market CapQuality
$62.52B9/10

Large-cap with strong market position

Areas to Watch

CBZ4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.534/10

Distress zone — elevated risk

Market CapQuality
$1.82B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.5%3/10

ROE of 6.5% — below average capital efficiency

Profit MarginProfitability
4.2%3/10

4.2% margin — thin

PCAR3 concerns · Avg: 3.0/10
P/E RatioValuation
25.3x4/10

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 Price/Book, Revenue Growth. Revenue growth of 17.9% demonstrates continued momentum. PEG of 1.46 suggests the stock is reasonably priced for its growth.

Bull Case : PCAR

The strongest argument for PCAR centers on Market Cap. PEG of 1.18 suggests the stock is reasonably priced for its growth.

Bear Case : CBZ

The primary concerns for CBZ are Altman Z-Score, Market Cap, Return on Equity. Thin 4.2% margins leave little buffer for downturns.

Bear Case : PCAR

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

Key Dynamics to Monitor

CBZ profiles as a growth stock while PCAR is a value play — different risk/reward profiles.

PCAR carries more volatility with a beta of 1.06 — expect wider price swings.

CBZ is growing revenue faster at 17.9% — sustainability is the question.

PCAR generates stronger free cash flow (778M), providing more financial flexibility.

Bottom Line

CBZ scores higher overall (53/100 vs 52/100) and 17.9% revenue growth. Both earn "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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