(HRB) H&R Block - Overview
Stock: Tax Preparation, Refund Transfer, Prepaid Card, Small Business
| Risk 5d forecast | |
|---|---|
| Volatility | 44.0% |
| Relative Tail Risk | -3.12% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.89 |
| Alpha | -50.62 |
| Character TTM | |
|---|---|
| Beta | 0.236 |
| Beta Downside | 0.100 |
| Drawdowns 3y | |
|---|---|
| Max DD | 55.54% |
| CAGR/Max DD | -0.14 |
EPS (Earnings per Share)
Revenue
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) 6.0
| Net Income: 613.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.18 > 0.02 and ΔFCF/TA -7.45 > 1.0 |
| NWC/Revenue: 4.93% < 20% (prev -7.79%; Δ 12.72% < -1%) |
| CFO/TA 0.21 > 3% & CFO 605.7m > Net Income 613.8m |
| Net Debt (2.87b) to EBITDA (989.4m): 2.90 < 3 |
| Current Ratio: 1.29 > 1.5 & < 3 |
| Outstanding Shares: last quarter (126.6m) vs 12m ago -6.64% < -2% |
| Gross Margin: 54.68% > 18% (prev 0.44%; Δ 5423 % > 0.5%) |
| Asset Turnover: 134.4% > 50% (prev 133.5%; Δ 0.88% > 0%) |
| Interest Coverage Ratio: 10.72 > 6 (EBITDA TTM 989.4m / Interest Expense TTM 81.3m) |
Altman Z'' 1.22
| A: 0.06 (Total Current Assets 841.8m - Total Current Liabilities 654.8m) / Total Assets 2.93b |
| B: -0.31 (Retained Earnings -904.8m / Total Assets 2.93b) |
| C: 0.31 (EBIT TTM 871.7m / Avg Total Assets 2.82b) |
| D: -0.25 (Book Value of Equity -954.6m / Total Liabilities 3.75b) |
| Altman-Z'' Score: 1.22 = BB |
Beneish M 1.00
| DSRI: 6.11 (Receivables 352.5m/55.1m, Revenue 3.79b/3.62b) |
| GMI: 0.81 (GM 54.68% / 44.31%) |
| AQI: 1.41 (AQ_t 0.71 / AQ_t-1 0.51) |
| SGI: 1.05 (Revenue 3.79b / 3.62b) |
| TATA: 0.00 (NI 613.8m - CFO 605.7m) / TA 2.93b) |
| Beneish M-Score: 1.29 (Cap -4..+1) = D |
What is the price of HRB shares?
Over the past week, the price has changed by -15.93%, over one month by -35.47%, over three months by -37.74% and over the past year by -43.20%.
Is HRB a buy, sell or hold?
- StrongBuy: 0
- Buy: 1
- Hold: 2
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the HRB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 41 | 44.7% |
| Analysts Target Price | 41 | 44.7% |
| ValueRay Target Price | 24.2 | -14.6% |
HRB Fundamental Data Overview February 12, 2026
P/E Forward = 6.0827
P/S = 0.9975
P/B = 73.5597
P/EG = 0.4866
Revenue TTM = 3.79b USD
EBIT TTM = 871.7m USD
EBITDA TTM = 989.4m USD
Long Term Debt = 2.44b USD (from longTermDebt, last quarter)
Short Term Debt = 200.7m USD (from shortTermDebt, last quarter)
Debt = 3.23b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.87b USD (from netDebt column, last quarter)
Enterprise Value = 6.67b USD (3.78b + Debt 3.23b - CCE 349.2m)
Interest Coverage Ratio = 10.72 (Ebit TTM 871.7m / Interest Expense TTM 81.3m)
EV/FCF = 12.72x (Enterprise Value 6.67b / FCF TTM 524.1m)
FCF Yield = 7.86% (FCF TTM 524.1m / Enterprise Value 6.67b)
FCF Margin = 13.83% (FCF TTM 524.1m / Revenue TTM 3.79b)
Net Margin = 16.19% (Net Income TTM 613.8m / Revenue TTM 3.79b)
Gross Margin = 54.68% ((Revenue TTM 3.79b - Cost of Revenue TTM 1.72b) / Revenue TTM)
Gross Margin QoQ = 84.91% (prev 8.79%)
Tobins Q-Ratio = 2.28 (Enterprise Value 6.67b / Total Assets 2.93b)
Interest Expense / Debt = 0.72% (Interest Expense 23.4m / Debt 3.23b)
Taxrate = 22.01% (172.0m / 781.4m)
NOPAT = 679.9m (EBIT 871.7m * (1 - 22.01%))
Current Ratio = 1.29 (Total Current Assets 841.8m / Total Current Liabilities 654.8m)
Debt / Equity = -3.93 (negative equity) (Debt 3.23b / totalStockholderEquity, last quarter -823.1m)
Debt / EBITDA = 2.90 (Net Debt 2.87b / EBITDA 989.4m)
Debt / FCF = 5.47 (Net Debt 2.87b / FCF TTM 524.1m)
Total Stockholder Equity = -369.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 21.76% (Net Income 613.8m / Total Assets 2.93b)
RoE = -166.1% (negative equity) (Net Income TTM 613.8m / Total Stockholder Equity -369.5m)
RoCE = 42.19% (EBIT 871.7m / Capital Employed (Equity -369.5m + L.T.Debt 2.44b))
RoIC = 47.89% (NOPAT 679.9m / Invested Capital 1.42b)
WACC = 3.91% (E(3.78b)/V(7.02b) * Re(6.78%) + D(3.23b)/V(7.02b) * Rd(0.72%) * (1-Tc(0.22)))
Discount Rate = 6.78% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -5.71%
[DCF Debug] Terminal Value 85.45% ; FCFF base≈589.4m ; Y1≈541.8m ; Y5≈484.9m
Fair Price DCF = 92.67 (EV 14.61b - Net Debt 2.87b = Equity 11.75b / Shares 126.8m; r=5.90% [WACC]; 5y FCF grow -10.12% → 2.90% )
EPS Correlation: -21.94 | EPS CAGR: -61.05% | SUE: -0.03 | # QB: 0
Revenue Correlation: -18.88 | Revenue CAGR: -46.40% | SUE: 0.60 | # QB: 0
EPS next Quarter (2026-03-31): EPS=5.77 | Chg30d=+0.022 | Revisions Net=+0 | Analysts=4
EPS current Year (2026-06-30): EPS=5.00 | Chg30d=+0.050 | Revisions Net=+2 | Growth EPS=+7.3% | Growth Revenue=+3.4%
EPS next Year (2027-06-30): EPS=5.58 | Chg30d=+0.110 | Revisions Net=+2 | Growth EPS=+11.6% | Growth Revenue=+3.2%