(HRB) H&R Block - Ratings and Ratios

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

Tax Preparation, Refund Transfer, Prepaid Card, Small Business

Specialized Consumer Services
Market Cap in USD: 5,764m

IPO / Inception: 1986-11-12
12m vs SPY: -32.6%

EPS (Earnings per Share)

EPS CAGR: -26.53%
EPS Trend: -13.2%

Last SUE: 4.00
Qual. Beats: 1

Revenue

Rev. CAGR: 6.84%
Rev. Trend: 3.2%

Last SUE: 0.18
Qual. Beats: 0

Dividends

Dividend Yield	3.18%
Yield on Cost 5y	11.38%
Yield CAGR 5y	10.41%
Payout Consistency	94.1%
Payout Ratio	33.7%

Risk via 5d forecast
Volatility	27.4%
Value at Risk 5%th	43.5%
Relative Tail Risk	-3.29%

Reward TTM
Sharpe Ratio	-0.80
Alpha	-23.93
CAGR/Max DD	0.20

Character TTM
Hurst Exponent	0.434
Beta	0.155
Beta Downside	0.084

Drawdowns 3y
Max DD	35.69%
Mean DD	11.25%
Median DD	10.00%

Description: HRB H&R Block January 07, 2026

H&R Block, Inc. (NYSE: HRB) delivers assisted and do-it-yourself tax-return preparation services across the United States, Canada and Australia, supplemented by ancillary products such as Refund Transfers, audit-protection “Peace of Mind” plans, the Emerald prepaid Mastercard and advance-loan offerings, as well as Tax Identity Shield and Instant Refund services. The firm also provides small-business financial solutions-including payment processing, payroll, and bookkeeping-through a mix of company-run and franchised retail offices, plus online, mobile, virtual and desktop platforms. Founded in 1955, the company is headquartered in Kansas City, Missouri.

Key recent metrics: FY 2023 revenue was approximately $3.6 billion, with diluted EPS of $3.12, and the firm reported a 5 % year-over-year increase in digital-only tax-filings, reflecting accelerating consumer migration to online solutions. A primary economic driver is the size and timing of average tax refunds, which have been trending lower as pandemic stimulus payments wane, potentially compressing volumes for refund-advance and prepaid-card products. Within the broader Specialized Consumer Services sub-industry, competitive pressure from low-cost software players (e.g., Intuit’s TurboTax) is prompting HRB to prioritize its franchise network efficiency and cross-sell small-business services to sustain margin growth.

For a deeper quantitative look at HRB’s valuation metrics and scenario analysis, the ValueRay platform offers a concise data hub worth checking.

Piotroski VR‑10 (Strict, 0-10) 7.0

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

FCFTA 0.22 (>2.0%) and ΔFCFTA -3.82pp (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 0.25 (>3.0%) and CFO 652.6m > Net Income 612.5m (YES >=105%, WARN >=100%)

Net Debt (1.87b) to EBITDA (993.9m) ratio: 1.88 <= 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 11.01 (EBITDA TTM 993.9m / Interest Expense TTM 79.7m) >= 6 (WARN >= 3)

Altman Z'' 0.86

(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: 0.86 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 66.91

1. Piotroski 7.0pt

2. FCF Yield 7.55%

3. FCF Margin 15.28%

4. Debt/Equity -4.08

5. Debt/Ebitda 1.88

6. ROIC - WACC (= 45.13)%

7. RoE -160.4%

8. Rev. Trend 3.16%

9. EPS Trend -13.15%

What is the price of HRB shares?

As of January 14, 2026, the stock is trading at USD 43.01 with a total of 1,495,867 shares traded.
Over the past week, the price has changed by -1.08%, over one month by -1.19%, over three months by -14.36% and over the past year by -18.67%.

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	27.9%
Analysts Target Price	55	27.9%
ValueRay Target Price	42.6	-1%

HRB Fundamental Data Overview January 12, 2026

P/E Trailing = 10.2688
P/E Forward = 8.4388
P/S = 1.5287
P/B = 73.5597
P/EG = 0.6754
Beta = 0.347
Revenue TTM = 3.77b USD
EBIT TTM = 877.0m USD
EBITDA TTM = 993.9m USD
Long Term Debt = 1.73b USD (from longTermDebt, last quarter)
Short Term Debt = 410.3m 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 = 7.63b USD (5.76b + Debt 2.25b - CCE 376.4m)
Interest Coverage Ratio = 11.01 (Ebit TTM 877.0m / Interest Expense TTM 79.7m)
EV/FCF = 13.25x (Enterprise Value 7.63b / FCF TTM 576.1m)
FCF Yield = 7.55% (FCF TTM 576.1m / Enterprise Value 7.63b)
FCF Margin = 15.28% (FCF TTM 576.1m / 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 = 2.91 (Enterprise Value 7.63b / Total Assets 2.62b)
Interest Expense / Debt = 0.77% (Interest Expense 17.4m / Debt 2.25b)
Taxrate = 22.01% (172.0m / 781.4m)
NOPAT = 684.0m (EBIT 877.0m * (1 - 22.01%))
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 = 1.88 (Net Debt 1.87b / EBITDA 993.9m)
Debt / FCF = 3.25 (Net Debt 1.87b / FCF TTM 576.1m)
Total Stockholder Equity = -381.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 23.69% (Net Income 612.5m / Total Assets 2.62b)
RoE = -160.4% (negative equity) (Net Income TTM 612.5m / Total Stockholder Equity -381.8m)
RoCE = 64.81% (EBIT 877.0m / Capital Employed (Equity -381.8m + L.T.Debt 1.73b))
RoIC = 49.97% (NOPAT 684.0m / Invested Capital 1.37b)
WACC = 4.84% (E(5.76b)/V(8.01b) * Re(6.49%) + D(2.25b)/V(8.01b) * Rd(0.77%) * (1-Tc(0.22)))
Discount Rate = 6.49% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -3.86%
[DCF Debug] Terminal Value 85.80% ; FCFF base≈608.8m ; Y1≈578.1m ; Y5≈552.0m
Fair Price DCF = 116.3 (EV 16.57b - Net Debt 1.87b = Equity 14.70b / Shares 126.4m; r=5.90% [WACC]; 5y FCF grow -6.55% → 2.90% )
EPS Correlation: -13.15 | EPS CAGR: -26.53% | SUE: 4.0 | # QB: 1
Revenue Correlation: 3.16 | Revenue CAGR: 6.84% | SUE: 0.18 | # QB: 0
EPS next Quarter (2026-03-31): EPS=5.75 | Chg30d=+0.000 | Revisions Net=-2 | Analysts=4
EPS current Year (2026-06-30): EPS=4.95 | Chg30d=+0.000 | Revisions Net=+0 | Growth EPS=+6.2% | Growth Revenue=+3.3%
EPS next Year (2027-06-30): EPS=5.47 | Chg30d=+0.000 | Revisions Net=-1 | Growth EPS=+10.4% | Growth Revenue=+3.2%

Additional Sources for HRB Stock

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