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

EPS (Earnings per Share)

EPS Growth (3y CAGR): 15.27%
EPS Trend (3y Corr): 0.0%

Last SUE: 0.53σ
Qual. Beats: 0

Revenue

Revenue Growth (3y CAGR): 7.60%
Revenue Trend (3y Corr): 1.6%

Last SUE: 0.18σ
Qual. Beats: 0

Risk via 10d forecast
Volatility	26.6%
Value at Risk 5%th	42.5%
Relative Tail Risk	-2.86%

Reward TTM
Sharpe Ratio	-0.88
Alpha	-32.01

Character TTM
Hurst Exponent	0.450
Beta	0.204
Beta Downside	0.112

Drawdowns 3y
Max DD	32.96%
Mean DD	11.81%
Median DD	10.47%

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	5,670m
Sub-Industry	Specialized Consumer Services
IPO / Inception	1986-11-12
Return 12m vs S&P 500	-29.5%
Analyst Rating	3.0 of 5

HRB Dividends

Metric	Value
Dividend Yield	4.53%
Yield on Cost 5y	12.72%
Yield CAGR 5y	7.52%
Payout Consistency	94.0%
Payout Ratio	33.7%

HRB Growth Ratios

Metric	Value
CAGR 3y	3.13%
CAGR/Max DD Calmar Ratio	0.09
CAGR/Mean DD Pain Ratio	0.27
Current Volume	1345.2k
Average Volume	1332.2k

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) 67.49

1. Piotroski 7.0pt

2. FCF Yield 7.64%

3. FCF Margin 15.28%

4. Debt/Equity -4.08

5. Debt/Ebitda 1.88

6. ROIC - WACC (= 43.96)%

7. RoE -204.5%

8. Rev. Trend 1.59%

9. EPS Trend -0.01%

What is the price of HRB shares?

As of November 21, 2025, the stock is trading at USD 43.33 with a total of 1,345,152 shares traded.
Over the past week, the price has changed by -3.39%, over one month by -15.65%, over three months by -15.07% and over the past year by -21.19%.

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	26.9%
Analysts Target Price	55	26.9%
ValueRay Target Price	45.7	5.4%

HRB Fundamental Data Overview November 16, 2025

Market Cap USD = 5.67b (5.67b USD * 1.0 USD.USD)
P/E Trailing = 10.224
P/E Forward = 9.4429
P/S = 1.5037
P/B = 73.5597
P/EG = 0.7554
Beta = 0.291
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 = 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 = 7.54b USD (5.67b + Debt 2.25b - CCE 376.4m)
Interest Coverage Ratio = 11.01 (Ebit TTM 877.0m / Interest Expense TTM 79.7m)
FCF Yield = 7.64% (FCF TTM 576.1m / Enterprise Value 7.54b)
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 = 2.88 (Enterprise Value 7.54b / Total Assets 2.62b)
Interest Expense / Debt = 0.77% (Interest Expense 17.4m / Debt 2.25b)
Taxrate = 23.56% (-51.0m / -216.3m)
NOPAT = 670.4m (EBIT 877.0m * (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 = 1.88 (Net Debt 1.87b / EBITDA 993.9m)
Debt / FCF = 3.25 (Net Debt 1.87b / FCF TTM 576.1m)
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 = 61.10% (EBIT 877.0m / Capital Employed (Equity -299.5m + L.T.Debt 1.73b))
RoIC = 48.97% (NOPAT 670.4m / Invested Capital 1.37b)
WACC = 5.02% (E(5.67b)/V(7.92b) * Re(6.77%) + D(2.25b)/V(7.92b) * Rd(0.77%) * (1-Tc(0.24)))
Discount Rate = 6.77% (= 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 77.51% ; FCFE base≈608.8m ; Y1≈578.2m ; Y5≈553.4m
Fair Price DCF = 78.21 (DCF Value 9.89b / Shares Outstanding 126.4m; 5y FCF grow -6.55% → 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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