Overview Dividends

(HRB) H&R Block - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US0936711052

Tax Preparation, Refund Transfer, Prepaid Cards, Small Business Services

HRB EPS (Earnings per Share)

EPS Growth (3Y CAGR): 15.27%
EPS Trend (3Y Correlation): 0.0%

HRB Revenue

Revenue Growth (3Y CAGR): 7.60%
Revenue Trend (3Y Correlation): 1.6%

Risk via 10d forecast
Volatility	27.5%
Value at Risk 5%th	44.1%
Relative Tail Risk	-2.45%

Reward TTM
Sharpe Ratio	-1.00
Alpha	-30.70

Character TTM
Hurst Exponent	0.384
Beta	0.193
Beta Downside	0.086

Drawdowns 3y
Max DD	32.96%
Mean DD	11.60%
Median DD	10.25%

Description: HRB H&R Block November 04, 2025

H&R Block, Inc. (NYSE:HRB) delivers assisted and do-it-yourself tax-return services across the United States, Canada, and Australia, supplementing its core offering with ancillary products such as Refund Transfers, audit-protection plans, prepaid debit cards (Emerald Mastercard and Spruce), short-term “Emerald Advance” loans, Tax Identity Shield, and instant-refund advances. The firm also provides small-business financial solutions-including payment processing, payroll, and bookkeeping-through a hybrid distribution network of company-run and franchised retail offices, as well as online, mobile, virtual, and desktop platforms. Founded in 1955 and headquartered in Kansas City, Missouri, HRB operates within the Specialized Consumer Services sub-industry.

Key quantitative touchpoints (FY 2023): revenue of $3.7 billion, a 5 % YoY increase driven largely by higher digital-service adoption and a 12 % rise in average refund-advance loan balances; operating margin of 13 % reflecting cost efficiencies from franchise expansion. Sector-level drivers include seasonal demand spikes during tax-season, sensitivity to changes in tax legislation (e.g., stimulus-related credits), and macro-economic factors such as disposable-income trends and consumer credit health, which influence uptake of refund-advance products.

For a deeper quantitative dive, the ValueRay platform offers granular metrics and scenario analysis on HRB’s valuation.

HRB Stock Overview

Market Cap in USD	6,276m
Sub-Industry	Specialized Consumer Services
IPO / Inception	1986-11-12
Return 12m vs S&P 500	-31.8%
Analyst Rating	3.0 of 5

HRB Dividends

Dividend Yield	3.44%
Yield on Cost 5y	10.40%
Yield CAGR 5y	7.52%
Payout Consistency	94.1%
Payout Ratio	33.7%

HRB Growth Ratios

CAGR 3y	5.33%
CAGR/Max DD Calmar Ratio	0.16
CAGR/Mean DD Pain Ratio	0.46
Current Volume	1264.5k
Average Volume	1175k

Piotroski VR‑10 (Strict, 0-10) 7.0

Net Income (612.5m TTM) > 0 and > 6% of Revenue (6% = 226.2m TTM)

FCFTA 0.36 (>2.0%) and ΔFCFTA 10.30pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -4.65% (prev -5.09%; Δ 0.44pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.01 (>3.0%) and CFO -28.3m <= Net Income 612.5m (YES >=105%, WARN >=100%)

Net Debt (1.87b) to EBITDA (985.8m) ratio: 1.90 <= 3.0 (WARN <= 3.5)

Current Ratio 0.76 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (131.6m) change vs 12m ago -5.43% (target <= -2.0% for YES)

Gross Margin 46.90% (prev 44.71%; Δ 2.19pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 145.8% (prev 142.0%; Δ 3.86pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 10.91 (EBITDA TTM 985.8m / Interest Expense TTM 79.7m) >= 6 (WARN >= 3)

Altman Z'' 0.84

(A) -0.07 = (Total Current Assets 564.2m - Total Current Liabilities 739.6m) / Total Assets 2.62b

(B) -0.23 = Retained Earnings (Balance) -609.3m / Total Assets 2.62b

(D) -0.21 = Book Value of Equity -664.8m / Total Liabilities 3.17b

Total Rating: 0.84 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 71.10

1. Piotroski 7.0pt = 2.0

2. FCF Yield 11.62% = 5.0

3. FCF Margin 25.09% = 6.27

4. Debt/Equity -4.08 = -2.50

5. Debt/Ebitda 1.90 = 0.20

6. ROIC - WACC (= 41.05)% = 12.50

7. RoE -204.5% = -2.50

8. Rev. Trend 1.59% = 0.12

9. EPS Trend -0.01% = -0.00

What is the price of HRB shares?

As of November 14, 2025, the stock is trading at USD 44.85 with a total of 1,264,481 shares traded.
Over the past week, the price has changed by -12.83%, over one month by -11.57%, over three months by -9.41% and over the past year by -22.29%.

Is H&R Block a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, H&R Block (NYSE:HRB) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 71.10 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HRB is around 43.78 USD . This means that HRB is currently overvalued and has a potential downside of -2.39%.

Is HRB a buy, sell or hold?

H&R Block has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold HRB.

Strong Buy: 0
Buy: 1
Hold: 2
Sell: 1
Strong Sell: 0

What are the forecasts/targets for the HRB price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	55	22.6%
Analysts Target Price	55	22.6%
ValueRay Target Price	47.5	5.8%

HRB Fundamental Data Overview November 11, 2025

Market Cap USD = 6.28b (6.28b USD * 1.0 USD.USD)
P/E Trailing = 11.3075
P/E Forward = 10.2459
P/S = 1.6643
P/B = 73.5597
P/EG = 0.8199
Beta = 0.291
Revenue TTM = 3.77b USD
EBIT TTM = 868.9m USD
EBITDA TTM = 985.8m USD
Long Term Debt = 1.14b USD (from longTermDebt, last fiscal year)
Short Term Debt = 205.2m USD (from shortTermDebt, last quarter)
Debt = 2.25b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.87b USD (from netDebt column, last quarter)
Enterprise Value = 8.15b USD (6.28b + Debt 2.25b - CCE 376.4m)
Interest Coverage Ratio = 10.91 (Ebit TTM 868.9m / Interest Expense TTM 79.7m)
FCF Yield = 11.62% (FCF TTM 946.2m / Enterprise Value 8.15b)
FCF Margin = 25.09% (FCF TTM 946.2m / Revenue TTM 3.77b)
Net Margin = 16.24% (Net Income TTM 612.5m / Revenue TTM 3.77b)
Gross Margin = 46.90% ((Revenue TTM 3.77b - Cost of Revenue TTM 2.00b) / Revenue TTM)
Gross Margin QoQ = 8.79% (prev 52.03%)
Tobins Q-Ratio = 3.11 (Enterprise Value 8.15b / Total Assets 2.62b)
Interest Expense / Debt = 0.77% (Interest Expense 17.4m / Debt 2.25b)
Taxrate = 23.56% (-51.0m / -216.3m)
NOPAT = 664.2m (EBIT 868.9m * (1 - 23.56%))
Current Ratio = 0.76 (Total Current Assets 564.2m / Total Current Liabilities 739.6m)
Debt / Equity = -4.08 (negative equity) (Debt 2.25b / totalStockholderEquity, last quarter -550.9m)
Debt / EBITDA = 1.90 (Net Debt 1.87b / EBITDA 985.8m)
Debt / FCF = 1.98 (Net Debt 1.87b / FCF TTM 946.2m)
Total Stockholder Equity = -299.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 23.37% (Net Income 612.5m / Total Assets 2.62b)
RoE = -204.5% (negative equity) (Net Income TTM 612.5m / Total Stockholder Equity -299.5m)
RoCE = 103.0% (EBIT 868.9m / Capital Employed (Equity -299.5m + L.T.Debt 1.14b))
RoIC = 46.43% (NOPAT 664.2m / Invested Capital 1.43b)
WACC = 5.38% (E(6.28b)/V(8.52b) * Re(7.09%) + D(2.25b)/V(8.52b) * Rd(0.77%) * (1-Tc(0.24)))
Discount Rate = 7.09% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -3.85%
[DCF Debug] Terminal Value 78.14% ; FCFE base≈830.8m ; Y1≈822.6m ; Y5≈855.5m
Fair Price DCF = 119.9 (DCF Value 15.16b / Shares Outstanding 126.4m; 5y FCF grow -1.77% → 3.0% )
EPS Correlation: -0.01 | EPS CAGR: 15.27% | SUE: 0.53 | # QB: 0
Revenue Correlation: 1.59 | Revenue CAGR: 7.60% | SUE: 0.18 | # QB: 0

Additional Sources for HRB Stock

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