(HRB) H&R Block - Ratings and Ratios
Tax Prep, Refund Transfer, Audit Help, Prepaid Card, Business Services
HRB EPS (Earnings per Share)
HRB Revenue
Description: HRB H&R Block
H&R Block Inc. is a leading provider of tax return preparation services, operating in the US, Canada, and Australia through a mix of retail offices, online, and mobile applications. The companys services include assisted and DIY tax preparation, Refund Transfers, and various financial products such as debit cards, term loans, and refund advance loans. Additionally, H&R Block offers small business financial solutions, including payment processing, payroll, and bookkeeping services.
From a financial perspective, H&R Blocks revenue is heavily seasonal, with the majority generated during the tax filing season (January to April). Key performance indicators (KPIs) to monitor include revenue growth, client retention rates, and the adoption rate of its digital services. The companys ability to manage its cost structure, particularly in its retail network, is also crucial. Other relevant KPIs include the average refund amount, the number of clients served, and the penetration rate of its financial products. With a market capitalization of approximately $7.6 billion, H&R Blocks financial health and operational efficiency are critical to its stock performance.
Analyzing H&R Blocks competitive position, it operates in a market with relatively low barriers to entry, but its brand recognition and extensive retail network provide a competitive edge. The companys strategic focus on digital transformation, including the development of online and mobile tax preparation services, is expected to drive long-term growth. Key metrics to watch include the growth rate of its digital client base and the revenue contribution from its digital channels. Furthermore, H&R Blocks ability to innovate and expand its financial services offerings will be crucial in maintaining its market share and driving future growth.
HRB Stock Overview
| Market Cap in USD | 6,888m |
| Sub-Industry | Specialized Consumer Services |
| IPO / Inception | 1986-11-12 |
HRB Stock Ratings
| Growth Rating | 13.6% |
| Fundamental | 72.9% |
| Dividend Rating | 77.9% |
| Return 12m vs S&P 500 | -29.8% |
| Analyst Rating | 3.0 of 5 |
HRB Dividends
| Dividend Yield 12m | 2.91% |
| Yield on Cost 5y | 12.93% |
| Annual Growth 5y | 5.97% |
| Payout Consistency | 94.1% |
| Payout Ratio | 32.5% |
HRB Growth Ratios
| Growth Correlation 3m | -71.1% |
| Growth Correlation 12m | -44.7% |
| Growth Correlation 5y | 94.6% |
| CAGR 5y | 7.79% |
| CAGR/Max DD 3y | 0.22 |
| CAGR/Mean DD 3y | 0.78 |
| Sharpe Ratio 12m | -0.52 |
| Alpha | 0.00 |
| Beta | 0.893 |
| Volatility | 27.61% |
| Current Volume | 1383.7k |
| Average Volume 20d | 1928.8k |
| Stop Loss | 49.7 (-3.2%) |
| Signal | 0.97 |
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income (605.8m TTM) > 0 and > 6% of Revenue (6% = 225.7m TTM) |
| FCFTA 0.18 (>2.0%) and ΔFCFTA -2.07pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -3.62% (prev 7.26%; Δ -10.88pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.21 (>3.0%) and CFO 680.9m > Net Income 605.8m (YES >=105%, WARN >=100%) |
| Net Debt (1.04b) to EBITDA (976.3m) ratio: 1.07 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.90 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (135.3m) change vs 12m ago -4.54% (target <= -2.0% for YES) |
| Gross Margin 44.53% (prev 44.84%; Δ -0.30pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 116.0% (prev 112.2%; Δ 3.87pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 11.00 (EBITDA TTM 976.3m / Interest Expense TTM 78.1m) >= 6 (WARN >= 3) |
Altman Z'' 1.51
| (A) -0.04 = (Total Current Assets 1.16b - Total Current Liabilities 1.30b) / Total Assets 3.26b |
| (B) 0.00 = Retained Earnings (Balance) 12.1m / Total Assets 3.26b |
| (C) 0.27 = EBIT TTM 859.5m / Avg Total Assets 3.24b |
| (D) -0.01 = Book Value of Equity -34.0m / Total Liabilities 3.18b |
| Total Rating: 1.51 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 72.89
| 1. Piotroski 7.0pt = 2.0 |
| 2. FCF Yield 7.87% = 3.94 |
| 3. FCF Margin 15.92% = 3.98 |
| 4. Debt/Equity 19.15 = -2.50 |
| 5. Debt/Ebitda 1.74 = 0.50 |
| 6. ROIC - WACC (= 41.91)% = 12.50 |
| 7. RoE data missing |
| 8. Rev. Trend 15.49% = 1.16 |
| 9. EPS Trend 26.13% = 1.31 |
What is the price of HRB shares?
Over the past week, the price has changed by +2.23%, over one month by +2.67%, over three months by -6.05% and over the past year by -16.85%.
Is H&R Block a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HRB is around 47.51 USD . This means that HRB is currently overvalued and has a potential downside of -7.46%.
Is HRB a buy, sell or hold?
- 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 | 7.1% |
| Analysts Target Price | 55 | 7.1% |
| ValueRay Target Price | 52.6 | 2.4% |
Last update: 2025-09-10 04:39
HRB Fundamental Data Overview
CCE Cash And Equivalents = 983.3m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 11.6335
P/E Forward = 10.4275
P/S = 1.8313
P/B = 78.4133
P/EG = 0.8343
Beta = 0.267
Revenue TTM = 3.76b USD
EBIT TTM = 859.5m USD
EBITDA TTM = 976.3m USD
Long Term Debt = 1.14b USD (from longTermDebt, last quarter)
Short Term Debt = 559.1m USD (from shortTermDebt, last quarter)
Debt = 1.70b USD (Calculated: Short Term 559.1m + Long Term 1.14b)
Net Debt = 1.04b USD (from netDebt column, last quarter)
Enterprise Value = 7.61b USD (6.89b + Debt 1.70b - CCE 983.3m)
Interest Coverage Ratio = 11.00 (Ebit TTM 859.5m / Interest Expense TTM 78.1m)
FCF Yield = 7.87% (FCF TTM 598.8m / Enterprise Value 7.61b)
FCF Margin = 15.92% (FCF TTM 598.8m / Revenue TTM 3.76b)
Net Margin = 16.11% (Net Income TTM 605.8m / Revenue TTM 3.76b)
Gross Margin = 44.53% ((Revenue TTM 3.76b - Cost of Revenue TTM 2.09b) / Revenue TTM)
Tobins Q-Ratio = -223.4 (set to none) (Enterprise Value 7.61b / Book Value Of Equity -34.0m)
Interest Expense / Debt = 0.93% (Interest Expense 15.8m / Debt 1.70b)
Taxrate = 22.01% (172.0m / 781.4m)
NOPAT = 670.4m (EBIT 859.5m * (1 - 22.01%))
Current Ratio = 0.90 (Total Current Assets 1.16b / Total Current Liabilities 1.30b)
Debt / Equity = 19.15 (Debt 1.70b / last Quarter total Stockholder Equity 88.9m)
Debt / EBITDA = 1.74 (Net Debt 1.04b / EBITDA 976.3m)
Debt / FCF = 2.84 (Debt 1.70b / FCF TTM 598.8m)
Total Stockholder Equity = -336.1m (last 4 quarters mean)
RoA = 18.56% (Net Income 605.8m, Total Assets 3.26b )
RoE = unknown (Net Income TTM 605.8m / Total Stockholder Equity -336.1m)
RoCE = 106.5% (Ebit 859.5m / (Equity -336.1m + L.T.Debt 1.14b))
RoIC = 49.52% (NOPAT 670.4m / Invested Capital 1.35b)
WACC = 7.61% (E(6.89b)/V(8.59b) * Re(9.31%)) + (D(1.70b)/V(8.59b) * Rd(0.93%) * (1-Tc(0.22)))
Shares Correlation 3-Years: -93.13 | Cagr: -1.47%
Discount Rate = 9.31% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 72.30% ; FCFE base≈622.2m ; Y1≈572.1m ; Y5≈513.1m
Fair Price DCF = 55.41 (DCF Value 7.42b / Shares Outstanding 133.9m; 5y FCF grow -10.12% → 3.0% )
EPS Correlation: 26.13 | EPS CAGR: 73.35% | SUE: -3.91 | # QB: 0
Revenue Correlation: 15.49 | Revenue CAGR: 113.7% | SUE: N/A | # QB: None
Additional Sources for HRB Stock
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Fund Manager Positions: Dataroma | Stockcircle