Verdict: Side-by-side breakdown using the Bull Rankings model. CBZ scored 65.2, EFX scored 66.7 — EFX leads.
Compare another set
CBZ
CBIZ, Inc.
Specialty Business Services · Quality-Growth
65.2
$54.82 · $3.0B
fundamentals as of
Score gap
1.5
EFX leads
EFX
Equifax Inc.
Consulting Services · Quality-Growth
66.7
$145.78 · $17.1B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestEFX25.7x
Fastest growthCBZ+52.1%
Strongest balance sheetCBZ1.02
Highest qualityEFX70 / 100
Largest discount to fair valueCBZ-55%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
The model, pillar by pillar (0–100 each)
CBZ
stronger →← stronger
EFX
44
Qualityreturns · margins · balance sheet
70
87
Growthrevenue & earnings expansion
70
72
Valuevaluation vs sector peers
60
CBZ is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
CBZ
EFX
$274mC
FCF
$1.1bC+
+52.1%A
Rev
+6.9%C+
1.02C+
D/E
1.21C
26.4xB
P/E
25.7xB
1.22B
PEG
1.23B
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
CBZ
EFX
55% below
Price vs fair valuelower is cheaper
21% above
~-5%/yr
Growth the price impliesyr-1 FCF growth, fading to 4% · lower = less priced in
~11%/yr
+72%
1-yr DCF upside
-21%
+120%
5-yr DCF upside
-17%
+216%
10-yr DCF upside
-11%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
CBZ
No notable signals flagged.
EFX
Why this score
Buying back stock
Raising its dividend
The companies
CBZCBIZ, Inc.
Specialty Business Services · $54.82 · beta 0.92
Why now
Specialty Business Services · market cap $3.0b. Trading near 52-week high of $56.41 — momentum setup, limited technical margin of safety. Revenue growing +52% — in hypergrowth territory.
Moat
Free cash flow runs well ahead of reported net income, mostly because of depreciation and amortization ($96m) — non-cash charges that hold down reported earnings while cash generation stays strong.
Risk
Trading within 3% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. Net margin 4.4% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first. ROE 6% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
EFXEquifax Inc.
Consulting Services · $145.78 · beta 1.34
Why now
Consulting Services · market cap $17.1b. Down 39% from 52-week high of $238.94 — deep drawdown territory. 21 sell-side analysts rate this a Buy with a mean 1-yr target of $203.10 (implying +39% upside).
Moat
ROE 14% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. FCF converts 160% of net income — earnings translate cleanly into cash.
Risk
Down 39% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Where CBZ and EFX diverge
On the headline score the gap is 1.5 points in favor of EFX. They get there differently, though — each leads on a different pillar, so the better pick depends on which you weight.
QualityCBZ 44.5 · EFX 70.2EFX +25.7
GrowthCBZ 87.0 · EFX 70.1CBZ +16.9
ValueCBZ 71.7 · EFX 60.2CBZ +11.5
Pillars run 0–100. Value is judged against each company's own sector, so a Value score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.
Common questions
Is EFX or CBZ the better stock?
EFX scores higher: EFX 66.7, CBZ 65.2 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
Where do EFX and CBZ differ most?
The widest gap is quality, where EFX leads by 26 points on the 0–100 pillar scale. Neither name sweeps: they trade the lead across the three pillars, so the comparison is a trade-off rather than one being better on every measure.
How are EFX and CBZ scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.